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

# Introduction

> A multi-tenant, double-entry ledger for fintech products.

PanoQore is a ledger API. It records accounts, balances, entries, holds, fees, FX conversions and reconciliation for a fintech product. Your product keeps its customers and its user experience, and calls PanoQore to record what happened to the money.

## What it keeps and what it does not

PanoQore keeps double-entry records. Every entry balances in each currency, and posted entries are never edited: a correction is a new entry.

It holds no personal data. An account's `ownerRef` is an opaque id from your product. Do not put names, phone numbers or BVNs in `ownerRef`, `metadata` or `loanRef`.

It does not move money at a bank. You tell it what your partner did, or, under full integration, it confirms credits with the partner. Payment execution is not available in v1.

## Two kinds of caller

| Caller | Credential | What it does |
| - | - | - |
| Your product | API key | Posts directly, within its scopes. Cannot propose or approve. |
| Your staff | Console sign-in | Reads, proposes and approves by role. Never posts directly: what they ask for waits for a second person. |

This reference covers what an API key can call. Work that needs a person, such as approving a request, happens in the console.

## How the API looks

* REST over HTTPS, JSON in `lowerCamelCase`.
* `Authorization: Bearer pk_...` on every call. The tenant comes from the key, never from the request.
* Amounts are strings of minor units: `"500000"` is ₦5,000.00.
* Every money-moving write takes an `Idempotency-Key` header.
* Refusals have one shape, with a stable `error.code`.

> [card] [Quickstart](https://docs.panoqore.com/quickstart.md)
>
> Open two accounts, post an entry and read the balance.

> [card] [API reference](https://docs.panoqore.com/api-reference/overview.md)
>
> Every operation, with a playground.

> [card] [Concepts](https://docs.panoqore.com/concepts/ledgers-and-accounts.md)
>
> Ledgers, accounts, entries and holds.

> [card] [Errors](https://docs.panoqore.com/errors.md)
>
> The envelope and every code.


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