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Bridge is Banking-as-a-Service. You ship financial features; a partner bank/FSP holds custody and owns compliance. You get one set of developer-first APIs for customers, wallets, lending, and payment collections.
Everything below is built around the flows already running in production. Pick a recipe, copy the code, get a real result.

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Start in your AI editor

The fastest way in: let Claude Code or Cursor build the integration for you. Connect the docs once: 
claude mcp add --transport http x-bridge https://docs.xbridge.co.tz/mcp
Then paste this into your agent (swap the use case for KYC, wallets, lending, BNPL, or payment collections): 
I'm integrating x-bridge (Banking-as-a-Service) into my app. Use the x-bridge MCP
(docs.xbridge.co.tz/mcp), or read https://docs.xbridge.co.tz if it isn't connected.

Help me add wallets to my app:
1. Read the matching recipe and the conventions.
2. Scaffold an x-bridge token client (POST /generate-token -> Bearer, cache ~1h, retry once on 401).
3. Implement the flow in my codebase, matching my conventions and wiring in my own data.
4. Show me where to set XBRIDGE_KEY_ID / XBRIDGE_SECRET from env, and how to test with a sandbox key.
No keys needed to start — the agent writes the code; you add your key when you’re ready to call the API (Getting started). More on the agent setup: Connect your AI agent.

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Start with a recipe

Customer onboarding (KYC)

Create a customer, submit KYC, activate. Every other flow starts here.

Wallets

Open a wallet, fund it, place and capture escrow holds.

Lending

Create a loan, preview the schedule, disburse, and record repayments.

BNPL

Down-payment hold + loan + auto-sweep repayments, end to end.

Payment collections

Trigger a USSD push, poll status, record the verified payment.

First call in 5 minutes

Token to first real API response, no detours.

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How it fits together

  • KYC is the authoritative customer store. A customer must be active before holding wallets or loans.
  • Wallets hold stored value; deposits are gateway-verified; escrow supports hold-and-capture.
  • Lending originates loans, optionally linked to a wallet with an auto-sweep standing instruction for repayments.
  • Collections trigger mobile (USSD) payments; verified payments post to loans or wallets.

Onboarding

How businesses join Bridge, what credentials you get, and sandbox vs production.

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Before you send money

Tokens expire hourly

Tokens last about an hour. On a 401, re-generate the token and retry once — built into every recipe.