# HeritagePay Developers

HeritagePay is a modular wallet platform for onboarding users, issuing secure wallet access, moving money, managing beneficiaries, creating savings pots, issuing virtual cards, storing contract evidence, and exposing operator controls through a separate Plane B.

This portal is the developer-facing surface for:

- Mobile app integration and API contracts.
- Sandbox and staging hostnames.
- Authentication and session rules.
- Money-flow idempotency.
- Webhook subscriptions and replay.
- Contract vault records and milestone tracking.
- Operator API keys and audit controls.

## Environments

| Environment | API | Portal | Backoffice |
| --- | --- | --- | --- |
| Sandbox | `https://sandbox-heritagepay-api.paypm.net/api/v1` | `https://sandbox-heritagepay.paypm.net` | `https://sandbox-heritagepay-backoffice.paypm.net` |
| Staging | `https://staging-heritagepay-api.paypm.net/api/v1` | `https://staging-heritagepay.paypm.net` | `https://staging-heritagepay-backoffice.paypm.net` |

The public developer documentation is served at `https://developer.paypm.net`.

Sandbox simulates money movement. Staging is wired for live money-flow validation and must be handled with production discipline.

## API Planes

| Plane | Used by | Credential | Examples |
| --- | --- | --- | --- |
| Plane A | Mobile end users | JWT bearer token | OTP, PIN login, wallets, transfers, cards, savings, KYC, notifications |
| Plane B | Operators and integrators | Institution API key, and HMAC where required | API keys, audit, webhooks, manifest, contract vault admin |

Start with the [Quickstart](/quickstart), then open the [API Reference](/api).