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  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/authentication/generate-key</loc>
    <lastmod>2026-03-02T07:08:03.080Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/authentication/human-verify</loc>
    <lastmod>2026-03-02T07:08:03.081Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/authentication/login</loc>
    <lastmod>2026-03-02T07:08:03.083Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/authentication/refresh-token</loc>
    <lastmod>2026-03-02T07:08:03.082Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/create-batches</loc>
    <lastmod>2026-03-05T17:39:57.580Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/get-batch</loc>
    <lastmod>2026-03-05T17:39:57.579Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/get-batch-payments</loc>
    <lastmod>2026-03-05T17:39:57.581Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/get-statistics</loc>
    <lastmod>2026-03-05T17:39:57.578Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/get-transaction</loc>
    <lastmod>2026-03-05T17:39:57.578Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/get-wallets</loc>
    <lastmod>2026-03-05T17:39:57.581Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/list-batches</loc>
    <lastmod>2026-03-05T17:39:57.599Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/list-transactions</loc>
    <lastmod>2026-03-05T17:39:57.598Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/preview-batches</loc>
    <lastmod>2026-03-05T17:39:57.600Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/process-batch</loc>
    <lastmod>2026-03-05T17:39:57.598Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/bulk-payments/validate-csv</loc>
    <lastmod>2026-03-05T17:39:57.600Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/country-support/banks</loc>
    <lastmod>2026-03-02T07:08:05.497Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/country-support/countries</loc>
    <lastmod>2026-03-02T07:08:05.497Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/country-support/country-details</loc>
    <lastmod>2026-03-02T07:08:05.496Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/country-support/deposit-services</loc>
    <lastmod>2026-03-02T07:08:05.498Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/country-support/networks</loc>
    <lastmod>2026-03-02T07:08:05.495Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/country-support/withdraw-services</loc>
    <lastmod>2026-03-02T07:08:08.149Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/cross-border/generate-invoice</loc>
    <lastmod>2026-03-02T07:08:08.147Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/cross-border/get-invoice</loc>
    <lastmod>2026-03-02T07:08:08.146Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/cross-border/pay-invoice</loc>
    <lastmod>2026-03-02T07:08:08.149Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/cross-border/pay-invoice-status</loc>
    <lastmod>2026-03-02T07:08:08.152Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/customers/mobile-money/create</loc>
    <lastmod>2026-03-02T07:08:08.148Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/customers/mobile-money/get</loc>
    <lastmod>2026-03-02T07:08:08.150Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/customers/mobile-money/get-by-phone</loc>
    <lastmod>2026-03-02T07:08:08.153Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/customers/mobile-money/list</loc>
    <lastmod>2026-03-02T07:08:08.152Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/customers/mobile-money/update</loc>
    <lastmod>2026-03-02T07:08:08.151Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/customers/validate-bank</loc>
    <lastmod>2026-03-02T07:08:08.500Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/customers/validate-mobile-money</loc>
    <lastmod>2026-03-02T07:08:08.501Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/bank-checkout</loc>
    <lastmod>2026-03-02T07:08:08.503Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/bank-checkout-status</loc>
    <lastmod>2026-03-02T07:08:08.504Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/card</loc>
    <lastmod>2026-03-02T07:08:08.509Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/card-status</loc>
    <lastmod>2026-03-02T07:08:08.506Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/crypto-bridge</loc>
    <lastmod>2026-03-02T07:08:08.506Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/crypto-bridge-status</loc>
    <lastmod>2026-03-02T07:08:08.505Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/crypto-bridge-webhook-provider-settlement</loc>
    <lastmod>2026-03-02T07:08:08.507Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/deposit-on-chain</loc>
    <lastmod>2026-03-02T07:08:09.153Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/deposit-on-chain-status</loc>
    <lastmod>2026-03-02T07:08:08.508Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/deposit-on-chain-supported-chains</loc>
    <lastmod>2026-03-02T07:08:09.156Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/initiate</loc>
    <lastmod>2026-03-02T07:08:09.154Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/mobile-money</loc>
    <lastmod>2026-03-02T07:08:09.155Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/mobile-money-status</loc>
    <lastmod>2026-03-02T07:08:09.153Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/deposits/status</loc>
    <lastmod>2026-03-02T07:08:09.158Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/integrator/create</loc>
    <lastmod>2026-03-02T07:08:09.159Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/integrator/get</loc>
    <lastmod>2026-03-02T07:08:09.157Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/integrator/update-webhook</loc>
    <lastmod>2026-03-02T07:08:09.157Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/introduction</loc>
    <lastmod>2026-03-02T07:08:09.160Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/kyc/create-address</loc>
    <lastmod>2026-03-02T07:08:09.666Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/kyc/create-basic-details</loc>
    <lastmod>2026-03-02T07:08:09.665Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/kyc/create-document</loc>
    <lastmod>2026-03-02T07:08:09.670Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/kyc/get-status</loc>
    <lastmod>2026-03-02T07:08:09.667Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/kyc/list-integrator-users</loc>
    <lastmod>2026-03-02T07:08:09.668Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/offramp/cancel</loc>
    <lastmod>2026-03-02T07:08:09.672Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/offramp/create</loc>
    <lastmod>2026-03-02T07:08:09.667Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/offramp/get-status</loc>
    <lastmod>2026-03-02T07:08:09.669Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/offramp/list-transactions</loc>
    <lastmod>2026-03-02T07:08:09.670Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/offramp/refund-status</loc>
    <lastmod>2026-03-02T07:08:09.671Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/offramp/retry-refund</loc>
    <lastmod>2026-03-02T07:08:09.958Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/offramp/status</loc>
    <lastmod>2026-03-02T07:08:09.957Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/onramp/create</loc>
    <lastmod>2026-03-02T07:08:09.957Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/onramp/crypto</loc>
    <lastmod>2026-03-02T07:08:09.955Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/onramp/crypto-status</loc>
    <lastmod>2026-03-02T07:08:09.959Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/onramp/get-crypto-status</loc>
    <lastmod>2026-03-02T07:08:09.954Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/onramp/get-status</loc>
    <lastmod>2026-03-02T07:08:09.956Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/onramp/status</loc>
    <lastmod>2026-03-02T07:08:09.959Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/payouts/initiate</loc>
    <lastmod>2026-03-02T07:08:09.961Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/payouts/status</loc>
    <lastmod>2026-03-02T07:08:09.960Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/rates/crypto-bridge-rate</loc>
    <lastmod>2026-03-02T07:08:10.201Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/rates/fiat-to-fiat</loc>
    <lastmod>2026-03-02T07:08:10.197Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/rates/get-all-rates</loc>
    <lastmod>2026-03-02T07:08:10.198Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/rates/get-rate</loc>
    <lastmod>2026-03-02T07:08:10.197Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/rates/offramp-rate</loc>
    <lastmod>2026-03-02T07:08:10.199Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/rates/onramp-rate</loc>
    <lastmod>2026-03-02T07:08:10.203Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/system/health</loc>
    <lastmod>2026-03-02T07:08:10.195Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/system/providers</loc>
    <lastmod>2026-03-02T07:08:10.200Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/crypto/create</loc>
    <lastmod>2026-03-02T07:08:10.202Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/crypto/get</loc>
    <lastmod>2026-03-02T07:08:10.201Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/crypto/list</loc>
    <lastmod>2026-03-02T07:08:10.522Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/fiat/create</loc>
    <lastmod>2026-03-02T07:08:10.519Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/fiat/get</loc>
    <lastmod>2026-03-02T07:08:10.518Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/fiat/get-by-currency</loc>
    <lastmod>2026-03-02T07:08:10.521Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/fiat/list</loc>
    <lastmod>2026-03-02T07:08:10.521Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/fiat/transfer-deposit-balance</loc>
    <lastmod>2026-03-02T07:08:10.517Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/wallets/fiat/update</loc>
    <lastmod>2026-03-02T07:08:10.523Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/bank</loc>
    <lastmod>2026-03-02T07:08:10.524Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/bank-status</loc>
    <lastmod>2026-03-02T07:08:10.524Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/bank-v2</loc>
    <lastmod>2026-03-02T07:08:10.516Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/lipa-na-mpesa</loc>
    <lastmod>2026-03-02T07:08:10.791Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/mobile-money</loc>
    <lastmod>2026-03-02T07:08:10.791Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/mobile-money-status</loc>
    <lastmod>2026-03-02T07:08:10.790Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/paybill</loc>
    <lastmod>2026-03-02T07:08:10.797Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/api-reference/withdrawals/supporting-banks</loc>
    <lastmod>2026-03-02T07:08:10.795Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/development</loc>
    <lastmod>2026-03-02T07:08:10.794Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/essentials/error-handling</loc>
    <lastmod>2026-03-02T07:08:10.793Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/essentials/rate-limits</loc>
    <lastmod>2026-03-02T07:08:10.796Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/essentials/transaction-statuses</loc>
    <lastmod>2026-03-02T07:08:10.792Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/essentials/webhooks</loc>
    <lastmod>2026-03-02T07:08:10.794Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/flows/bulk-payments-flow</loc>
    <lastmod>2026-03-02T07:08:11.650Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/flows/crypto-bridge-flow</loc>
    <lastmod>2026-03-02T07:08:11.648Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/flows/deposit-flow</loc>
    <lastmod>2026-03-02T07:08:11.654Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/flows/offramp-flow</loc>
    <lastmod>2026-03-02T07:08:11.648Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/flows/onramp-flow</loc>
    <lastmod>2026-03-02T07:08:11.652Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/flows/payment-links-flow</loc>
    <lastmod>2026-03-02T07:08:11.649Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/flows/withdrawal-flow</loc>
    <lastmod>2026-03-02T07:08:11.651Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/overview</loc>
    <lastmod>2026-03-02T07:08:11.655Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/quickstart</loc>
    <lastmod>2026-03-02T07:08:11.653Z</lastmod>
  </url>

  <url>
    <loc>https://manual.kotanipay.com/v3/run-in-postman</loc>
    <lastmod>2026-03-02T07:08:11.651Z</lastmod>
  </url>
</urlset>