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

# Introduction

> Cross-border B2B payments for Brazilian commodity exporters.

Caratuva is the payment infrastructure that lets Brazilian exporters collect from foreign buyers and settle in BRL — without operating their own treasury, FX desk, or compliance team.

You bring the customer relationship and the trade. Caratuva runs the payment, the cross-border transfer, the FX, the regulatory checks, and the BRL payout via PIX.

## Who Caratuva is for

* **Exporters** of coffee, sugar, soy, beef, citrus, ethanol, and other Brazilian commodities — selling to buyers in the US, EU, UK, Latin America, and beyond.
* **Importers and trading houses** paying Brazilian suppliers in their own currency (USD, EUR, GBP, MXN), without managing a Brazilian bank account.
* **Platforms and ERPs** that already issue invoices and want a single API to add cross-border collection on top.

## What you get

<CardGroup cols={2}>
  <Card title="Hosted payment links" icon="link">
    Send a buyer a link. They sign in by email, complete KYC once, and pay by bank transfer. No wallet, no app to install.
  </Card>

  <Card title="Settled in BRL" icon="building-columns">
    We transfer the funds across borders, run FX, and pay out to your registered PIX key in your Brazilian bank account.
  </Card>

  <Card title="Compliance built in" icon="shield-check">
    Buyer identity verification, sanctions and source-of-funds screening, FX-rule compliance, and an audit trail per transaction.
  </Card>

  <Card title="Real-time signals" icon="bell">
    In-product notifications on the dashboard, plus signed outbound webhooks so your ERP stays in lockstep with payment status.
  </Card>
</CardGroup>

## Three surfaces

<CardGroup cols={3}>
  <Card title="Dashboard" icon="building" href="https://dashboard.caratuva.com">
    `dashboard.caratuva.com` — your operating cockpit. Onboard your organization, create invoices, approve disbursements, manage payouts, watch settlement.
  </Card>

  <Card title="Payment link" icon="credit-card" href="https://pay.caratuva.com">
    `pay.caratuva.com` — the page your buyers see. Email sign-in, KYC, FX confirmation, and payment. No account creation, no wallet.
  </Card>

  <Card title="REST API" icon="code" href="/api-reference/introduction">
    `api.caratuva.com/v1` — one API surface for ERP and platform integrations. OpenAPI 3.0, idempotent writes, signed webhooks.
  </Card>
</CardGroup>

## Where to start

* **Don't have an account yet?** [Sign up](/signup) — it's self-service, and you'll land straight in test mode.
* **First time here?** Read the [Quickstart](/quickstart) — you'll have your first paid invoice in under ten minutes.
* **Operating from the dashboard?** Start with [Onboarding](/onboarding) and then [Invoicing](/invoicing).
* **Embedding Caratuva in your own product?** Jump to the [B2B integration quickstart](/api-reference/b2b-quickstart).

## Test & live modes

Every account ships with both **test** and **live** modes, fully isolated from each other, and new accounts start in test. Test mode runs the full happy path end to end — onboarding, KYC, invoice, payment, webhook delivery — against a sandbox payment instance: KYB and buyer KYC auto-approve and no real money moves. Use it for development, staging, CI, and demos. Test-mode credentials are recognizable by their `pk_test_` prefix.

Live mode runs on real rails. To go live, request Caratuva-approved production access, switch to Live mode, then complete live KYB on the Payout page. See [Test & live modes](/environments) for the full picture.