# insimbi

> insimbi curates the right transaction, rails and record for every value movement, whether fiat, stablecoins, markets or tokens. Every decision, every fee and every outcome, on the record. Built first for agents, predictive markets and real-money operators, then enterprises.

The market figures on the home page are third-party data about cards, stablecoins, markets, tokens, agentic commerce and value-added services, with sources; forecasts are marked. insimbi's own rates and metrics are not published yet. Markdown twin of any page: append .md, or send Accept: text/markdown.

## Pages
- [insimbi · the right transaction, rails and record for every value movement](https://insimbi.net/index.md): insimbi curates the right transaction, rails and record for every value movement, whether fiat, stablecoins, markets or tokens. Every decision, every fee and every outcome, on the record. Built first for agents, predictive markets and real-money operators, then enterprises.
- [Product](https://insimbi.net/product.md): The right transaction, rails and record. Seven pillars, one ledger.
- [Rails](https://insimbi.net/product/rails.md): The right transaction and rail for each payment, on the record.
- [Payouts](https://insimbi.net/product/payouts.md): You choose when money lands.
- [Fee visibility](https://insimbi.net/product/pricing.md): Every fee, line by line.
- [Data](https://insimbi.net/product/data.md): Your data. Export it any time.
- [The record](https://insimbi.net/product/record.md): One ledger under every movement.
- [Fiat and cards](https://insimbi.net/product/fiat.md): Accept and pay out across cards and bank rails.
- [Stablecoins](https://insimbi.net/product/stablecoins.md): Dollar stablecoins as one more rail, on the same record.
- [Markets](https://insimbi.net/product/markets.md): Funding and settlement for regulated venues.
- [Tokens](https://insimbi.net/product/tokens.md): Money in and out of tokenized assets.
- [Machine and agentic](https://insimbi.net/product/agentic.md): Let agents pay, inside limits you set.
- [Value-added services](https://insimbi.net/product/value-added.md): The extras, itemized and optional.
- [Use cases](https://insimbi.net/use-cases.md): Illustrative scenarios. How the pillars fit together.
- [A marketplace paying sellers in dollars and stablecoins](https://insimbi.net/use-cases/marketplace-payouts.md): A US marketplace with 40,000 sellers, some in the US and some abroad.
- [An agent paying for API calls, one request at a time](https://insimbi.net/use-cases/agent-api-payments.md): A US data provider selling an API, and the AI agents that call it.
- [A procurement agent buying from suppliers](https://insimbi.net/use-cases/procurement-agent.md): A US manufacturer that lets an AI agent reorder parts from approved suppliers.
- [An event-contract venue settling winners](https://insimbi.net/use-cases/prediction-market-settlement.md): A US regulated event-contract venue with retail customers.
- [A tokenized fund taking subscriptions and paying redemptions](https://insimbi.net/use-cases/tokenized-fund.md): A US asset manager running a tokenized short-term Treasury fund for qualified investors.
- [A retailer taking control of card costs](https://insimbi.net/use-cases/retailer-card-costs.md): A US omnichannel retailer with stores and an online shop.
- [An insurer paying claims on the fastest sensible rail](https://insimbi.net/use-cases/insurer-claims.md): A US property insurer paying claims to policyholders and repair shops.
- [A software platform billing people and agents](https://insimbi.net/use-cases/software-platform-billing.md): A US software company selling seats to people and usage to AI agents.
- [Agent payment workers](https://insimbi.net/workers.md): Workers that run your payments back office, under your rules.
- [Integrations](https://insimbi.net/integrations.md): Every rail and every major agent protocol. One record.
- [Docs](https://insimbi.net/docs.md): Build on the record. Read every decision.
- [Flows](https://insimbi.net/docs/flows.md): Every sequence diagram, linked to the section it explains.
- [Quickstart](https://insimbi.net/docs/quickstart.md): From sandbox credentials to your first account read.
- [Core concepts](https://insimbi.net/docs/concepts.md): Transaction, rails, record. Access, rules, mandates.
- [API reference](https://insimbi.net/docs/api.md): The OpenAPI contract, then the designed endpoints.
- [MCP tools](https://insimbi.net/docs/mcp.md): insimbi as tools for any MCP client.
- [x402](https://insimbi.net/docs/protocols/x402.md): HTTP 402 payments from agents, verified and settled through a regulated partner.
- [Agent Payments Protocol (AP2)](https://insimbi.net/docs/protocols/ap2.md): A person present, an agent shopping, insimbi as the merchant's payment processor.
- [Agentic Commerce Protocol (ACP)](https://insimbi.net/docs/protocols/acp.md): Checkout sessions and a delegated payment token, charged by insimbi for the merchant.
- [Machine Payments Protocol (MPP)](https://insimbi.net/docs/protocols/mpp.md): Challenge, Credential and Receipt over HTTP 402, on the rail your rules choose.
- [Universal Commerce Protocol (UCP)](https://insimbi.net/docs/protocols/ucp.md): Discovery, payment handlers and complete checkout.
- [Visa Intelligent Commerce](https://insimbi.net/docs/protocols/vic.md): Agent tokens, passkey-authenticated payment instructions and commerce signals.
- [Visa Trusted Agent Protocol](https://insimbi.net/docs/protocols/tap.md): HTTP message signatures prove the agent before checkout.
- [Mastercard Agent Pay](https://insimbi.net/docs/protocols/agentpay.md): Registered agents and Agentic Tokens.
- [Webhooks](https://insimbi.net/docs/webhooks.md): Events for every movement and every decision.
- [Sandbox](https://insimbi.net/docs/sandbox.md): Separate credentials, sandbox accounts. Nothing real moves.
- [SDKs](https://insimbi.net/docs/sdks.md): OpenAPI first. Generate a client in any language.
- [Developers](https://insimbi.net/developers.md): One API for your team and your agents.
- [Changelog](https://insimbi.net/changelog.md): What changed, and when.
- [Pricing](https://insimbi.net/pricing.md): Fees you can read before you sign.
- [Switch](https://insimbi.net/switch.md): Move at your own pace. Roll back any time.
- [Customers](https://insimbi.net/customers.md): Merchants who run their own payments.
- [Company](https://insimbi.net/company.md): We curate the right transaction, rails and record for every value movement.
- [Security](https://insimbi.net/security.md): What we can show you, and when.
- [Legal](https://insimbi.net/legal.md): Terms and privacy.
- [Status](https://insimbi.net/status.md): System status.

## Origin
insimbi is isiZulu for iron. insimbi serves US enterprise merchants. The idea behind it is ubuntu: 'Umuntu ngumuntu ngaBantu', a person is a person through other people. A payment only completes when every party does its part.

## Agents
- [agents.md](https://insimbi.net/agents.md): runbook written to agents
- [llms-full.txt](https://insimbi.net/llms-full.txt): every page, one fetch