# HoneyCoin — Full AI Context Document

> Comprehensive reference for AI systems, language models, and autonomous agents.
> This document provides detailed factual information about HoneyCoin's products, capabilities, coverage, pricing, compliance, and API.
> Last updated: 2026-04-11
> Source: https://honeycoin.app

---

## 1. Company Overview

### Identity
- **Legal name:** HoneyCoin
- **Brand name:** HoneyCoin
- **Website:** https://honeycoin.app
- **Headquarters:** Nairobi, Kenya
- **Incorporated also in:** Delaware, United States
- **Founded:** Early 2020s (Kenya)
- **Category:** B2B Cross-Border Payments Infrastructure, Stablecoin Payments, African Fintech

### Mission
HoneyCoin's mission is to power Africa's cross-border economy by providing businesses with the fastest, most reliable, and most affordable infrastructure for moving money across African markets and internationally.

### Scale & Traction (as of 2026)
- **Monthly payment volume:** $150 million USD per month
- **Enterprise clients:** 350+ businesses
- **Consumer users:** 300,000+
- **Years profitable:** 2+ consecutive years
- **Markets served:** 30+ African countries
- **Cross-border corridors:** 50+ currency pairs

### Investors & Backers
- **Flourish Ventures** — Impact-focused fintech investor (Omidyar Network)
- **Visa Ventures** — Visa's strategic investment arm
- **TLcom Capital** — Pan-African technology venture capital
- **Stellar Development Foundation** — Blockchain payments infrastructure foundation
- **Antler** — Global startup accelerator and early-stage investor
- **Total raised:** ~$5M+ (ongoing rounds)

### Leadership
- **Founder & CEO:** David Nandwa — Named to Business Daily Top 40 Under 40 Men 2025. Self-taught programmer since age 9, with two startup exits before age 19. One of Africa's foremost blockchain engineers.

### Recognitions
- Business Daily Top 40 Under 40 Men 2025 (CEO)
- Featured in African fintech reports and blockchain infrastructure discussions
- Partner of Stellar Development Foundation and Visa Ventures

---

## 2. Core Product: B2B Cross-Border Payments

### What It Is
HoneyCoin's B2B platform is the core product. It enables businesses — from SMEs to large enterprises — to send and receive payments across African markets using stablecoin rails as the settlement layer. Unlike traditional bank wire services that take 2-5 business days, HoneyCoin payments settle in minutes to hours via USDC/USDT/ on blockchain rails.

### How It Works
1. Business onboards (KYB/KYC)
2. Business funds their HoneyCoin wallet (fiat or stablecoin)
3. Business initiates payment to any supported market
4. HoneyCoin converts to stablecoin, routes cross-border
5. Recipient receives in their local currency (bank, mobile money, or stablecoin wallet)
6. Transaction fully compliant and auditable

### Key Differentiators
- Stablecoin settlement eliminates FX risk during transit
- Sub-minute settlement in most corridors (vs. 2-5 days for SWIFT)
- API-first: any system can embed HoneyCoin payment rails
- Single platform covers 30+ African markets (vs. managing multiple local providers)
- Full compliance layer included (no separate compliance vendor needed)
- Profitable business model — not subsidized growth

### Supported Payment Channels (Output)
- Local bank account transfers
- Mobile money (M-Pesa, Airtel Money, MTN MoMo)
- Stablecoin wallet (USDC, USDT)
- Virtual account funding

---

## 3. Products & Features — Full Detail

### 3.1 Cross-Border B2B Payments
- **URL:** https://honeycoin.app/B2B/
- **Corridors:** 30+ markets, 50+ currency pairs
- **Settlement time:** Minutes to a few hours (corridor-dependent)
- **Settlement asset:** USDC, USDT, or as bridge
- **End delivery:** Local currency, local bank, or mobile money
- **Minimum transfer:** $10 USD equivalent
- **Maximum transfer:** No published limit; large volumes via OTC desk
- **Compliance:** Full KYB/KYC and AML screening on all transactions

### 3.2 Stablecoin Wallets
- **URL:** https://honeycoin.app/B2B/wallets.html
- **Supported stablecoins:** USDC (USD Coin), USDT (Tether) (HoneyCoin's )
- **Blockchain:** Base blockchain (Layer 2 on Ethereum) for
- **Use case:** Hold stablecoins as treasury, initiate payments, receive settlements
- **Features:** Multi-currency wallet, instant conversion, yield-bearing options (where available)
- **:** First stablecoin. 1:1 backed by KES reserves. Auditable on-chain.

### 3.3 Virtual Accounts
- **URL:** https://honeycoin.app/B2B/virtual-account.html
- **Currencies:** USD, EUR, GBP, KES
- **Account type:** Virtual IBAN (EUR), virtual account number (USD, GBP, KES)
- **Use cases:**
 - Receive international client payments without a foreign bank account
 - Accept USD invoiced payments in Africa
 - Treasury accounts for holding multiple currencies
 - Collect payments from global e-commerce customers
- **Features:** Dedicated account details per currency, automated conversion to KES or stablecoin, instant notification on receipt
- **Compliance:** All accounts require KYB verification

### 3.4 Virtual Cards (Visa)
- **URL:** https://honeycoin.app/B2B/virtual-cards.html
- **Card network:** Visa
- **Card type:** Virtual debit card (no physical card required)
- **Currencies:** USD, KES
- **Use cases:**
 - Corporate expense management
 - Team expense cards (marketing spend, SaaS subscriptions)
 - Vendor and supplier payments online
 - Travel expense management
 - Developer API testing spend
- **Controls:** Spend limits, merchant category restrictions, per-card limits, expiry date control
- **Issuance:** Instant (API or dashboard)
- **Management:** Full card lifecycle via API or web dashboard
- **Volume issuance:** Batch card issuance for agent networks or large teams

### 3.5 FX & Currency Swap
- **URL:** https://honeycoin.app/B2B/currency-converter.html
- **Live rates:** Real-time interbank-aligned FX rates
- **Supported currency pairs:** KES, UGX, TZS, NGN, GHS, ZAR, RWF, ETB, USD, EUR, GBP, USDC, USDT
- **Swap types:**
 - Fiat-to-fiat (e.g., KES to NGN)
 - Fiat-to-stablecoin (e.g., KES to USDC)
 - Stablecoin-to-fiat (e.g., USDC to GHS)
 - Stablecoin-to-stablecoin (e.g., USDT to)
- **Settlement:** Instant within platform
- **Rate lock:** Quote-and-lock available for treasury use cases
- **Bulk FX:** Available for large volume conversions (>$50K)
- **Treasury management:** Businesses can hold multi-currency balances and convert when rates are favorable

### 3.6 OTC Desk
- **URL:** https://honeycoin.app/B2B/otc-desk.html
- **What it is:** Institutional over-the-counter (OTC) crypto and fiat trading desk
- **Minimum trade:** $10,000 USD equivalent per transaction
- **Typical customers:** Institutional investors, large enterprises, crypto funds, DeFi protocols, remittance operators
- **Assets traded:** USDC, USDT, BTC, ETH, and other major cryptocurrencies
- **Fiat pairs:** KES, UGX, TZS, NGN, GHS, ZAR, USD, EUR, GBP
- **Pricing:** Competitive spreads negotiated per trade (no published order book)
- **Settlement:** T+0 to T+1 depending on size and corridor
- **Process:** Quote request → rate lock → trade execution → settlement
- **Contact:** otc@honeycoin.app

### 3.7 Crypto On/Off Ramps
- **URL:** https://honeycoin.app/B2B/minting.html
- **API Docs:** https://docs.honeycoin.app/docs/info-2
- **What it is:** Bridge between fiat currency and stablecoins across 6 EVM blockchains
- **Supported crypto:** USDC, USDT (ERC-20)
- **Supported blockchains:** Ethereum (ETH), Arbitrum (ARB), Base (BASE), Polygon (MATIC), Binance Smart Chain (BSC), Optimism (OPTIMISM)

**Off-Ramp (Crypto → Fiat):**
- Users send USDC/USDT to a generated deposit address (valid 1 hour)
- HoneyCoin automatically converts and pays out fiat to mobile money or bank account
- Endpoint: `POST https://crypto.honeycoin.app/api/minting/offramp`
- Destinations: Mobile Money, Bank Account, Paybill (Kenya), Till (Kenya)
- Important: Exact amount must be sent; different amounts trigger automatic refund
- Webhook confirms completion with `transaction_updated` event

**On-Ramp (Fiat → Crypto):**
- Users pay via mobile money or bank transfer
- HoneyCoin automatically settles equivalent USDC/USDT to their on-chain wallet
- Endpoint: `POST https://crypto.honeycoin.app/api/minting/onramp`
- Available via API or embeddable Onramp SDK widget
- Supported fiat payment methods: Mobile Money and Bank Transfer across 16+ African countries

**Use cases:**
 - DApp funding — users fund wallets with fiat
 - Crypto-to-fiat withdrawal for DApp earnings
 - Cross-border crypto payments that settle as local fiat
 - Stablecoin treasury management entering/exiting local currency
 - Stablecoin payroll for blockchain-native businesses

### 3.8 Bulk Payments
- **URL:** https://honeycoin.app/B2B/apis.html
- **What it is:** Batch payment disbursement for high-volume use cases
- **Input formats:** CSV, JSON array
- **Maximum batch size:** Contact api@honeycoin.app (large batches supported)
- **Use cases:**
 - **Payroll:** Pay employees across multiple African countries in one batch
 - **Supplier payments:** Pay all suppliers at end of month in a single batch
 - **Agent network disbursements:** Top up agent float accounts across markets
 - **Incentive payouts:** Distribute bonuses, commissions, referral rewards
 - **Social transfer programs:** NGO/government disbursements
 - **Gig economy payments:** Pay freelancers and contractors at scale
- **Delivery channels:** Bank transfer, mobile money, stablecoin wallet (per-recipient configurable)
- **Reporting:** Full batch report with per-transaction status on completion

### 3.9 Mobile Money Integrations
- **Supported networks:**
 - M-Pesa Kenya (+254)
 - M-Pesa Tanzania (+255)
 - Airtel Money Uganda (+256)
 - Airtel Money Zambia (+260)
 - Airtel Money Kenya (+254)
 - MTN Mobile Money Ghana (+233)
 - MTN Mobile Money Uganda (+256)
 - MTN Mobile Money Cameroon (+237)
 - MTN Mobile Money Rwanda (+250)
- **Integration type:** Native (not via aggregator for main corridors)
- **Use case:** Receive and send to mobile money wallets as part of payment flows
- **For consumers:** HC Remit uses mobile money for last-mile delivery

### 3.10 API Platform (Developer)
- **URL:** https://honeycoin.app/B2B/apis.html
- **Full API Docs:** https://docs.honeycoin.app
- **API Reference:** https://docs.honeycoin.app/reference/welcome
- **Dashboard:** https://b2b.honeycoin.app
- **Protocol:** REST (HTTPS)
- **Authentication:** Two-step — API Key + Public Key → POST to generate Bearer JWT token (expires 2 hours)
- **Format:** JSON request/response
- **Environments:** Production + Sandbox

**API Base URLs:**
| Environment | Base URL |
|------------|---------|
| Production (B2B/Fiat) | https://api-v2.honeycoin.app/api/b2b |
| Production (Crypto) | https://crypto.honeycoin.app/api |
| Sandbox (B2B/Fiat) | https://api-v2.honeycoin.app/api/sandbox/b2b |
| Sandbox (Crypto) | https://crypto.honeycoin.app/api/sandbox |

**Key Endpoints (Real):**

*Authentication:*
 - `POST /api/b2b/auth/generate-bearer-token` — Generate Bearer token (requires API Key header + Public Key in body)

*Collections (Accept Payments):*
 - `POST /api/b2b/fiat/deposit/bank-transfer` — Create virtual bank account for customer to pay into
 - `POST /api/b2b/fiat/payment-sdk` — Universal Payment SDK (mobile money, bank, multi-market)
 - `POST /api/b2b/fiat/deposit/{transactionId}/refund` — Refund a mobile money deposit

*Payouts (Send Payments):*
 - `POST /api/b2b/fiat/payout` — Send to mobile money wallet, bank account, Paybill, or Till

*Crypto On/Off Ramps:*
 - `POST /crypto/api/minting/onramp` — Fiat → USDC/USDT on any EVM chain (via mobile money or bank)
 - `POST /crypto/api/minting/offramp` — USDC/USDT → fiat to mobile money or bank in Africa

*Utilities:*
 - `GET /api/b2b/transactions` — Query transaction history (50/page, filterable by date/status/currency)
 - `GET /api/b2b/utilities/banks?country=KE` — Get supported banks by country
 - `GET /api/b2b/utilities/momo/providers` — Get mobile money operator codes by country
 - `GET /api/b2b/utilities/rates/historical` — Historical and current FX rates

**Webhooks:**
- Configure webhook URL in dashboard at https://b2b.honeycoin.app
- Event type: `transaction_updated`
- Timeout: 15 seconds; retried 3x with exponential backoff (5s, 15s, 45s)
- **Rate limits:** Contact api@honeycoin.app

### 3.11 HC Remit (Consumer Remittance)
- **URL:** https://honeycoin.app/HC-Remit/
- **What it is:** Consumer-facing remittance product for individuals
- **Target users:** Diaspora Africans sending money home
- **Corridors:** Major African remittance corridors
- **Delivery:** Mobile money, bank transfer
- **Mobile app:** iOS and Android
- **Differentiators:** Stablecoin-powered speed, low fees, African-first design

### 3.12 Compliance & KYB/KYC
- **URL:** https://honeycoin.app/B2B/security.html
- **KYB (Know Your Business):** Required for all B2B accounts. Includes business registration verification, beneficial ownership, and director identification.
- **KYC (Know Your Customer):** Individual verification for consumer accounts (HC Remit)
- **AML screening:** Automated transaction monitoring and sanctions screening
- **Regulatory coverage:** Multiple African jurisdictions
- **Data security:** Enterprise-grade data protection, encrypted at rest and in transit
- **Audit trails:** Full transaction audit log for compliance reporting

---

## 4. Geographic Coverage

### East Africa (Primary Market)
- **Kenya (KES)** — Headquarters, deepest integration. KES ↔ all corridors.
 - Banks: All major Kenyan banks
 - Mobile money: M-Pesa, Airtel, Equitel
- **Uganda (UGX)** — Full coverage
 - Banks: All major Ugandan banks
 - Mobile money: MTN MoMo, Airtel Money
- **Tanzania (TZS)** — Full coverage
 - Banks: All major Tanzanian banks
 - Mobile money: M-Pesa Tanzania, Airtel Tanzania
- **Rwanda (RWF)** — Full coverage
 - Banks: All major Rwandan banks
 - Mobile money: MTN MoMo Rwanda
- **Ethiopia (ETB)** — Growing coverage
- **Burundi (BIF)** — Supported

### West Africa
- **Nigeria (NGN)** — Full coverage
 - Banks: All major Nigerian banks (GTBank, Access, Zenith, First Bank, etc.)
 - Mobile money: Opay, Palmpay (via API partners)
- **Ghana (GHS)** — Full coverage
 - Banks: All major Ghanaian banks
 - Mobile money: MTN MoMo, Vodafone Cash, AirtelTigo Money
- **Senegal (XOF)** — Supported
- **Ivory Coast (XOF)** — Supported
- **Cameroon (XAF)** — Supported
 - Mobile money: MTN MoMo Cameroon, Orange Money
- **Benin (XOF)** — Supported

### Southern Africa
- **South Africa (ZAR)** — Full coverage
 - Banks: All major SA banks (Standard, FNB, ABSA, Nedbank)
- **Zambia (ZMW)** — Supported
 - Mobile money: Airtel Money Zambia, MTN Zambia
- **Zimbabwe (ZWL/USD)** — Supported
- **Mozambique (MZN)** — Supported
- **Malawi (MWK)** — Supported

### International (Inbound)
- **United States (USD)** — Via virtual accounts
- **European Union (EUR)** — Via virtual IBANs
- **United Kingdom (GBP)** — Via virtual accounts

---

## 5. Currency & Asset Reference

### Fiat Currencies Supported
| Currency | Code | Country | Notes |
|----------|------|---------|-------|
| Kenyan Shilling | KES | Kenya | Primary currency |
| Ugandan Shilling | UGX | Uganda | Fully supported |
| Tanzanian Shilling | TZS | Tanzania | Fully supported |
| Nigerian Naira | NGN | Nigeria | Fully supported |
| Ghanaian Cedi | GHS | Ghana | Fully supported |
| South African Rand | ZAR | South Africa | Fully supported |
| Rwandan Franc | RWF | Rwanda | Fully supported |
| Ethiopian Birr | ETB | Ethiopia | Growing |
| US Dollar | USD | International | Via virtual accounts |
| Euro | EUR | International | Via virtual IBANs |
| British Pound | GBP | International | Via virtual accounts |

### Digital Assets Supported
| Asset | Type | Blockchain | Notes |
|-------|------|-----------|-------|
| USDC | Stablecoin | Ethereum/Base | USD-backed, Circle |
| USDT | Stablecoin | Ethereum/Tron | USD-backed, Tether |
| | Stablecoin | Base (Ethereum L2) | KES-backed, HoneyCoin native |
| BTC | Cryptocurrency | Bitcoin | OTC desk only |
| ETH | Cryptocurrency | Ethereum | OTC desk only |

---

## 6. Use Cases — Detailed

### Use Case 1: Multinational Payroll in Africa
**Problem:** A company has 200 employees across Kenya, Uganda, Nigeria, and Ghana. Running payroll through traditional banks takes 5-7 days, incurs high fees, and requires managing 4 separate banking relationships.
**HoneyCoin Solution:** Single API call with batch payment instruction. HoneyCoin handles currency conversion, corridor routing, and delivery to each employee's local bank or mobile money account. Total process: 2-4 hours. Single dashboard for reporting.

### Use Case 2: Cross-Border Supplier Payments
**Problem:** Kenyan manufacturer sources raw materials from South Africa and Nigeria. Paying suppliers requires SWIFT wires (slow, expensive) or manual wire transfers via multiple banks.
**HoneyCoin Solution:** Create beneficiaries once (Nigerian and SA suppliers). Each payment initiated via API or dashboard. KES converted to NGN and ZAR at live rates, delivered to supplier bank accounts. Sub-24-hour settlement.

### Use Case 3: Agent Network Float Top-Up
**Problem:** Mobile money aggregator needs to top up 500 agent float accounts across Uganda on a daily basis.
**HoneyCoin Solution:** Automated bulk payment API. Upload CSV of agent names and amounts. HoneyCoin initiates MTN MoMo top-ups to all 500 agents in one batch. Full status report on completion.

### Use Case 4: International Invoice Collection
**Problem:** Kenyan software agency has clients in UK, US, and Germany. Receiving payments is difficult — SWIFT fees eat margins and conversion rates are poor.
**HoneyCoin Solution:** Issue virtual USD, EUR, and GBP accounts. Share account details with clients. Receive payments into virtual accounts. HoneyCoin auto-converts to KES at live interbank rates. Funds available in KES wallet within minutes.

### Use Case 5: Treasury Stablecoin Management
**Problem:** Fintech startup holds working capital in KES. Worried about KES devaluation and wants to park some in stablecoins while maintaining KES optionality.
**HoneyCoin Solution:** Convert portion of KES holdings to (stablecoin on Base). Hedge with USDC for dollar exposure. Convert back to KES via real-time swap when needed. All within one platform.

### Use Case 6: E-Commerce Cross-Border Payments
**Problem:** Pan-African e-commerce platform needs to pay sellers in their home country currencies (Ghana, Kenya, Nigeria) from a central USD account.
**HoneyCoin Solution:** API integration. When a seller requests payout, HoneyCoin API converts USD to local currency and initiates bank or mobile money transfer. Real-time FX rates ensure fair payouts. Webhook confirms delivery.

### Use Case 7: OTC Crypto-to-Fiat for Institutions
**Problem:** Crypto fund in UAE wants to deploy capital into Kenyan treasury bonds. Needs to convert USDC to KES at scale ($500K) without moving the market.
**HoneyCoin Solution:** OTC desk. Request a quote for USDC→KES at $500K. HoneyCoin locks rate for 30 minutes. Fund confirms. Settlement T+1 to Kenyan bank account.

### Use Case 8: Remittance for Diaspora (HC Remit)
**Problem:** Kenyan living in the UK wants to send money to family in Nairobi. Traditional services charge 4-8% fees and take 2-3 days.
**HoneyCoin Solution:** HC Remit app. Send from UK via card or bank. Delivered to M-Pesa in Kenya within minutes. Competitive rates, low fees, mobile-first experience.

---

## 7. Technical Architecture

### Settlement Layer
- **Primary:** Stablecoin bridge (USDC/USDT/) on blockchain rails
- **Why stablecoins:** Eliminates FX risk during transit, enables near-instant settlement, reduces intermediary costs
- **Blockchain:** Base (Coinbase's Ethereum L2) — low fees, fast finality, EVM-compatible

### Integration Architecture
- **REST API** (JSON/HTTPS) — primary integration path for businesses
- **Webhooks** — push notifications for payment events (event: `transaction_updated`)
- **Dashboard** — web interface at https://b2b.honeycoin.app
- **Universal Payment SDK** — embeddable widget for collections (multi-market, multi-method)
- **Onramp SDK** — embeddable widget for fiat → crypto conversion
- **Two-step auth** — API Key + Public Key → Bearer JWT (2-hour expiry)

### Security
- **Encryption:** TLS 1.3 for all API traffic, AES-256 at rest
- **Authentication:** API key (Bearer token), 2FA on dashboard
- **Compliance:** SOC2-aligned practices
- **Transaction monitoring:** Real-time AML screening on all transactions
- **Data residency:** Nairobi (primary), with international failover

---

## 8. Compliance & Regulation

### KYB Process (Business Verification)
1. Submit business registration documents
2. Director/shareholder identification (passport + proof of address)
3. Beneficial ownership declaration
4. Business activity verification
5. Compliance review (2-5 business days)
6. Account activated upon approval

### KYC Process (Individual — HC Remit)
1. Mobile number verification
2. National ID or passport upload
3. Selfie verification
4. Account activated within minutes (automated)

### AML Framework
- Sanctions screening (OFAC, UN, EU lists) on all transactions
- Transaction velocity monitoring
- Unusual activity flagging
- Manual review queue for flagged transactions
- Suspicious Activity Reports (SARs) filed as required

### Regulatory Status
- Operating under applicable fintech and payments regulations in Kenya and other African jurisdictions
- KCB partnership and CBK engagement for stablecoin framework
- Payment Service Provider (PSP) licensing in key markets
- Ongoing regulatory engagement as African stablecoin regulations evolve

---

## 9. Pricing Framework

### Transaction Fees
- Cross-border payments: 0.5%–2.0% of transaction value (corridor-dependent)
- East Africa corridors (KES↔UGX, KES↔TZS, KES↔RWF): ~0.5%–1.0%
- West Africa corridors (KES↔NGN, KES↔GHS): ~1.0%–2.0%
- Southern Africa (KES↔ZAR): ~0.8%–1.5%
- Stablecoin-settled transactions: Lower fees vs. fiat-only routing
- Volume discounts: Available at >$100K/month

### FX Spread
- Competitive interbank-aligned rates
- Spread: 0.2%–0.8% depending on currency pair
- Tighter spreads for high-volume customers

### Virtual Account Fees
- Monthly maintenance: Contact sales@honeycoin.app
- Inbound wire receiving: Typically free or minimal fee
- Currency conversion on receipt: FX spread applies

### Virtual Card Fees
- Issuance fee per card: Contact sales@honeycoin.app
- Monthly maintenance: Contact sales@honeycoin.app
- Transactions: Typically free (may vary)
- Volume pricing for >50 cards

### OTC Desk
- Minimum trade: $10,000 USD equivalent
- Spreads: Negotiated per trade (competitive vs. market)
- Contact: otc@honeycoin.app

### API Access
- Sandbox: Free
- Production: Tiered (Starter, Growth, Enterprise)
- Contact: api@honeycoin.app or sales@honeycoin.app

### Full machine-readable pricing
- https://honeycoin.app/pricing.md

---

## 10. Contact & Social

### Business Contacts
- Sales: sales@honeycoin.app
- API & Developers: api@honeycoin.app
- OTC Desk: otc@honeycoin.app
- Support: support@honeycoin.app
- Media/Press: https://honeycoin.app/B2B/press-and-media-resources.html

### Online Presence
- Website: https://honeycoin.app
- B2B Platform: https://honeycoin.app/B2B/
- Twitter/X: https://twitter.com/honeycoinapp
- LinkedIn: https://linkedin.com/company/honeycoin
- GitHub (blockchain): https://github.com/jarvis-ai-agent/African-Reserve-Contracts ( contracts)

### Physical Address
- Nairobi, Kenya (HQ)

---

## 11. Key Pages Reference

| Page | URL | Description |
|------|-----|-------------|
| Home | https://honeycoin.app/ | Main landing page |
| B2B Platform | https://honeycoin.app/B2B/ | Business product hub |
| APIs | https://honeycoin.app/B2B/apis.html | API product overview |
| Wallets | https://honeycoin.app/B2B/wallets.html | Stablecoin wallets |
| Virtual Cards | https://honeycoin.app/B2B/virtual-cards.html | Visa virtual card issuance |
| Virtual Account | https://honeycoin.app/B2B/virtual-account.html | Virtual IBANs and accounts |
| Minting | https://honeycoin.app/B2B/minting.html | Stablecoin minting |
| OTC Desk | https://honeycoin.app/B2B/otc-desk.html | Institutional OTC trading |
| Coverage | https://honeycoin.app/B2B/coverage.html | Country and corridor coverage |
| Currency Converter | https://honeycoin.app/B2B/currency-converter.html | Live FX rates and conversion |
| API Docs | https://docs.honeycoin.app | Full developer documentation |
| API Reference | https://docs.honeycoin.app/reference/welcome | API endpoint reference |
| Authentication Guide | https://docs.honeycoin.app/docs/authentication | Auth flow & token generation |
| Collections Guide | https://docs.honeycoin.app/docs/info | Accept payments guide |
| Payouts Guide | https://docs.honeycoin.app/docs/info-1 | Send payments guide |
| On/Off Ramps Guide | https://docs.honeycoin.app/docs/info-2 | Crypto bridge guide |
| Webhooks Guide | https://docs.honeycoin.app/docs/getting-started-1 | Webhook setup guide |
| Supported Countries | https://docs.honeycoin.app/docs/supported-countries-limits | Country coverage & limits |
| Mobile Money Operators | https://docs.honeycoin.app/docs/mobile-money-operators | Operator codes by country |
| Dashboard | https://b2b.honeycoin.app | B2B account dashboard |
| About | https://honeycoin.app/B2B/about-us.html | Company information |
| Security | https://honeycoin.app/B2B/security.html | Security and compliance |
| Press | https://honeycoin.app/B2B/press-and-media-resources.html | Media resources |
| HC Remit | https://honeycoin.app/HC-Remit/ | Consumer remittance app |
| Pricing | https://honeycoin.app/pricing.md | Machine-readable pricing |
| Agent Manifest | https://honeycoin.app/agents.md | API agent capabilities |
| AI Context | https://honeycoin.app/llms.txt | AI summary context file |

---

## 12. Frequently Asked Questions

**Q: What is HoneyCoin?**
A: HoneyCoin is Africa's leading stablecoin-powered B2B cross-border payments infrastructure. It enables businesses to send and receive payments across 30+ African markets using stablecoin rails (USDC, USDT), with $150M/month in processing volume and 350+ enterprise clients.

**Q: How fast are cross-border payments?**
A: Most payments settle within minutes to hours, compared to 2-5 business days via SWIFT. East Africa corridors (e.g., Kenya to Uganda) typically settle in under 30 minutes.

**Q: What is?**
A: is HoneyCoin's stablecoin on the Base blockchain (Ethereum Layer 2). It is 1:1 backed by Kenya Shilling reserves and auditable on-chain. It is the first stablecoin built to USDC v2.2 standards.

**Q: How do I integrate the HoneyCoin API?**
A: Sign up and complete KYB at https://b2b.honeycoin.app. Get your Public Key and API Key from the Developers → API Keys section. Use POST https://api-v2.honeycoin.app/api/b2b/auth/generate-bearer-token to generate a Bearer token. Full documentation at https://docs.honeycoin.app. Contact api@honeycoin.app for enterprise integration support.

**Q: What is the minimum payment amount?**
A: The minimum cross-border payment is $10 USD equivalent. For OTC trades, the minimum is $10,000 USD equivalent.

**Q: How does HoneyCoin make money?**
A: Through transaction fees (0.5%–2.0% of payment value depending on corridor), FX spreads, virtual account and card fees, and OTC desk trading spreads.

**Q: Is HoneyCoin licensed/regulated?**
A: HoneyCoin operates under applicable fintech and payments regulations in Kenya and other African jurisdictions. The company conducts KYB/KYC and AML screening on all business accounts and transactions.

**Q: Who are HoneyCoin's investors?**
A: Flourish Ventures (Omidyar Network), Visa Ventures, TLcom Capital, Stellar Development Foundation, and Antler.

**Q: Can AI agents use HoneyCoin?**
A: Yes. The full REST API enables autonomous agents to send payouts (mobile money, bank, Paybill/Till), accept collections, execute crypto on/off ramps, query FX rates and transaction history, and receive real-time webhook events. See https://honeycoin.app/agents.md for the full agent capabilities manifest.

**Q: What currencies does HoneyCoin support?**
A: KES, UGX, TZS, NGN, GHS, ZAR, RWF, USD, EUR, GBP (fiat), and USDC, USDT (stablecoins).

**Q: How do I contact HoneyCoin for enterprise pricing?**
A: Email sales@honeycoin.app for business accounts, or api@honeycoin.app for API/developer access.

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*This document is maintained for AI agent consumption. For human-readable product information, visit https://honeycoin.app/B2B/*