> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zbdpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# ZBD Payments

> Global instant payments infrastructure for apps and games with Bitcoin, Lightning Network, and multi-currency support

Build global payment experiences that actually work. ZBD Payments provides instant, low-cost money movement across major Tier 1 markets (US, EU, etc) using Bitcoin, Lightning Network, and traditional currencies - all through a single API.

<CardGroup cols={2}>
  <Card title="Lightning Fast" icon="bolt">
    Sub-second global payments with Lightning Network. No waiting, no borders.
  </Card>

  <Card title="Multi-Currency" icon="coins">
    Accept and send USD, EUR, and BTC. One API, multiple currencies.
  </Card>

  <Card title="Gaming Scale" icon="gauge-high">
    Built for millions of microtransactions. Handle millions of transactions with ease.
  </Card>

  <Card title="Developer First" icon="code">
    Simple APIs, comprehensive SDKs, and documentation that doesn't suck.
  </Card>
</CardGroup>

## Why ZBD Payments?

### The Problem with Traditional Payments

<Tabs>
  <Tab title="Microtransaction Hell">
    **Card Networks:**

    * Minimum \~\$0.30 fee per transaction
    * Can't send 0.10c when fees are 0.30c
    * Chargebacks eat profits
    * High decline rates

    **ZBD Payments:**

    * Send amounts as low as \$0.001
    * Proportional fees (typically \< 1%)
    * No chargebacks
    * Near 100% success rate
  </Tab>

  <Tab title="Developer Friction">
    **Legacy Providers:**

    * Complex integration (weeks/months)
    * Different APIs per country
    * Compliance nightmares
    * Poor documentation

    **ZBD Payments:**

    * Single API globally
    * 5-minute quick start
    * Compliance built-in
    * Stripe-quality docs
  </Tab>

  <Tab title="Cross-Border Nightmare">
    **Traditional Systems:**

    * 3-5 day settlement times
    * \$25-45 fees per transaction
    * Limited to banking hours
    * Blocked in many countries

    **ZBD Payments:**

    * Instant settlement (\< 1 second)
    * Fees from \$0.0001
    * 24/7/365 availability
    * Works in globally
  </Tab>
</Tabs>

## How It Works

```mermaid theme={null}
graph LR
    A[Your App] -->|API Call| B[ZBD Platform]
    B --> C{Payment Type}
    C -->|Lightning| D[Instant Delivery]
    C -->|On-chain| E[Bitcoin Network]
    C -->|Fiat| F[Banking Rails]
    D --> G[Recipient]
    E --> G
    F --> G
```

### Core Concepts

<AccordionGroup>
  <Accordion title="Lightning Network" icon="bolt">
    Bitcoin's Layer 2 scaling solution enabling instant, low-cost payments. Think of it as the Visa network for Bitcoin - same security, 1000x faster.

    **Key Benefits:**

    * Instant settlement (\< 1 second)
    * Fees typically \< \$0.01
    * Millions of TPS capacity
    * Perfect for gaming microtransactions
  </Accordion>

  <Accordion title="Lightning Address" icon="at">
    Human-readable payment addresses like `user@zbd.gg`. No more copying long Bitcoin addresses. Works like email for money.

    **Why It Matters:**

    * Memorable usernames
    * No QR codes needed
    * Works across all Lightning wallets
    * Perfect for in-game identities
  </Accordion>
</AccordionGroup>

## Products & Features

### 🚀 ZBD Ramp

Let users buy Bitcoin directly in your app. First widget to support Lightning Address delivery.

<Card title="Learn About Ramp" icon="circle-dollar-to-slot" href="/payments/ramp">
  Embeddable widget • Built-in KYC • Multiple payment methods
</Card>

### ⚡ Payments API

Send and receive payments globally via our REST API.

<Card title="Explore Payments API" icon="server" href="/payments/api">
  Instant settlements • Global reach • Bitcoin Lightning Network
</Card>

### 🛠️ Developer SDKs

Production-ready SDKs for popular languages and frameworks. Get building in minutes, not weeks.

<Card title="View SDKs" icon="cube" href="/payments/sdk">
  TypeScript • Go • Rust • C# • More coming
</Card>

## Use Cases

### Gaming & Virtual Worlds

<CardGroup cols={2}>
  <Card title="In-Game Purchases">
    * Instant item purchases
    * No minimum transaction
    * Global player base
    * Zero chargebacks
  </Card>

  <Card title="Player Trading">
    * P2P marketplaces
    * Instant settlement
    * Cross-border trades
    * Low fees = more profit
  </Card>

  <Card title="Tournament Payouts">
    * Instant winner payouts
    * Any amount, any country
    * No banking details needed
    * Automated via API
  </Card>

  <Card title="Creator Economies">
    * Pay mod creators
    * Revenue sharing
    * Micropayments work
    * Global participation
  </Card>
</CardGroup>

### Apps & Platforms

<CardGroup cols={2}>
  <Card title="Content Monetization">
    Pay-per-article, pay-per-view, tips - amounts too small for cards
  </Card>

  <Card title="Gig Economy">
    Instant payouts to workers globally without bank accounts
  </Card>

  <Card title="Remittances">
    Send money home instantly with fees under \$0.01
  </Card>

  <Card title="SaaS Billing">
    Usage-based billing down to fractions of a cent
  </Card>
</CardGroup>

## Compliance & Security

### Built-in Compliance

* **KYC/AML**: Automated identity verification where required
* **Sanctions Screening**: Real-time OFAC and international lists
* **Transaction Monitoring**: AI-powered fraud detection
* **Regulatory Licenses**: Money transmission licenses in key markets

### Security First

* **End-to-end Encryption**: All data encrypted in transit and at rest
* **API Key Security**: Scoped permissions and IP allowlisting
* **Webhook Signatures**: Cryptographic verification of all events
* **SOC 2 Type II**: Annual security audits

## Pricing

<Card title="Talk to Sales" icon="comments-dollar" href="https://zbd.one/sales">
  **Custom Pricing** - We offer competitive rates based on your volume and use case. Schedule a call to discuss pricing that works for your business.
</Card>

### What Affects Pricing

* Transaction volume
* Average transaction size
* Geographic distribution
* Settlement preferences
* Support level needed

## Start Building

<Steps>
  <Step title="Get Your API Keys">
    [Schedule a call](https://zbd.one/sales) with our team to get access
  </Step>

  <Step title="Choose Your Product">
    Pick between Ramp, Payments API, or both
  </Step>

  <Step title="Follow the Guides">
    Use our quick start guides to integrate in minutes
  </Step>

  <Step title="Go Live">
    Start processing real payments with production keys
  </Step>
</Steps>

<CardGroup cols={3}>
  <Card title="Ramp" icon="circle-dollar-to-slot" href="/payments/ramp">
    Let users buy Bitcoin
  </Card>

  <Card title="SDKs" icon="cube" href="/payments/sdk">
    TypeScript, Go, Rust & more
  </Card>

  <Card title="API Reference" icon="code" href="/payments/api">
    Complete API documentation
  </Card>
</CardGroup>

***

## Need Help?

<CardGroup cols={2}>
  <Card title="Sales" icon="phone" href="https://zbd.one/sales">
    Get API keys and discuss your use case
  </Card>

  <Card title="Support" icon="headset" href="https://help.zbdpay.com">
    Technical help from our engineering team
  </Card>
</CardGroup>