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

# API Reference

> Complete reference for the Yapily API

## Welcome to Yapily API Reference

The Yapily API enables connections between your application and users' banks. This reference provides detailed documentation for all available endpoints.

### Base URL

```
https://api.yapily.com
```

### Authentication

All API requests require Basic Authentication using your Application ID and Application Secret.

```bash theme={null}
curl -u APPLICATION_ID:APPLICATION_SECRET https://api.yapily.com/institutions
```

Learn more in the [Authentication Guide](/api-reference/authentication).

### API Version

Current version: **11.5.2**

### Key Features

<CardGroup cols={2}>
  <Card title="Financial Data" icon="database" href="/api-reference/financial-data">
    Access accounts, transactions, balances, and statements.
  </Card>

  <Card title="Payments" icon="credit-card" href="/api-reference/payments">
    Initiate domestic and international payments.
  </Card>

  <Card title="Variable Recurring Payments" icon="repeat" href="/api-reference/variable-recurring-payments">
    Set up and manage VRP consents and payments.
  </Card>

  <Card title="Institutions" icon="building-columns" href="/api-reference/institutions">
    Discover banks and their supported features.
  </Card>
</CardGroup>

### Response Format

All responses use JSON with this structure:

```json theme={null}
{
  "meta": {
    "tracingId": "unique-request-id"
  },
  "data": {
    // Response data
  }
}
```

### Error Handling

All API requests may return errors. For comprehensive error handling guidance including error codes, response formats, and troubleshooting:

**[View Error Documentation →](/resources/errors)**

Key points:

* Save the `tracingId` from error responses for support
* Different products use different error formats (see error docs for mapping)
* Include the `tracingId` when [contacting support](/resources/support)

### Need Help?

* [Getting Started Guide](/getting-started/get-started)
* [Sandbox Testing](/resources/sandbox/overview)
* [Support](https://support.yapily.com/hc/en-gb)