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Either product can run KYC on either side. Both use the same sandbox and production environments at `https://api.banxa-sandbox.com` and `https://api.banxa.com`.\n\n## When to use Banxa\n\nReach for Banxa when a product needs to let people **buy crypto with fiat or sell crypto for fiat** without the partner holding money-transmitter or VASP licences. Banxa is the licensed counterparty: it takes the payment, runs compliance, and delivers the asset. Typical fits are wallets, exchanges, dApps, gaming platforms and fintech apps adding an on-ramp or off-ramp.\n\nPick the product by how much of the payment experience the partner wants to own. KYC is configurable on both and does not decide it.\n\n- **Banxa Native API** - the payment experience lives inside the partner's product. Bank transfers run completely headless through the API; card, Apple Pay and Google Pay run on a native payment sheet through a Banxa SDK, with no redirect or webview. Needs a backend. Days to weeks to integrate.\n- **Banxa Hosted Checkout** - Banxa runs the payment flow, reached by redirect, embedded iFrame, or SDK. Broadest payment method coverage. No backend required for the referral path. Hours to days to integrate.\n- **Alternative payment methods** (PayPal, iDEAL, Klarna, PIX, VietQR and local methods) are not supported headless. Native integrations offer them by creating those orders through Hosted Checkout, so most Native integrations use both products.\n- **Legacy API** - existing integrations only. Do not start here.\n\nBanxa is not the right tool for crypto-to-crypto swaps, custody or wallet infrastructure, or for any flow where the partner wants to settle funds itself.\n\n## Constraints\n\n- **Authentication**: HMAC credentials must be stored server-side only, never expose in frontend, mobile, or client-side code. HMAC is required for all Native API calls and for KYC sharing in Hosted Checkout; `x-api-key` is used for all other Hosted Checkout endpoints.\n- **`externalCustomerId`**: Required on every buy and sell order. Use a stable opaque identifier, never PII.\n- **`identityReference`**: Must remain constant for the same user across all requests. Must not contain PII. If you attempt to create an identity for an email that already exists, you will receive a 422 / code 81, so retrieve the existing record rather than retrying creation. Use `GET /eapi/v0/identities/{identityReference}?email=user@example.com` to look up the real `identityReference` linked to an email.\n- **`quoteId`**: Only supported by `POST /eapi/v0/ramps` (bank transfer). The React Native SDK and Embedded Payment Button do not accept a `quoteId`, so use indicative pricing (`GET /eapi/v0/price`) for SDK and Embedded Payment Button flows.\n- **Quotes**: Indicative prices are not rate-locked, so refresh close to order creation to minimise rate drift. Locked quotes (`GET /eapi/v0/quote`) expire after approximately 3 minutes and are only valid for bank transfer ramp creation.\n- **Eligibility gate**: Never create a ramp or invoke the SDK when `paymentReady` is `false`. Always check eligibility and satisfy all requirements before payment execution.\n- **Webhooks**: Verify all inbound webhook signatures with HMAC-SHA256 before processing. Return HTTP 200 immediately and process asynchronously.\n- **Product selection**: Choose by payment experience, not by KYC — both products support partner-run or Banxa-run KYC. Banxa Native is for payments rendered inside the partner's product; Banxa Hosted Checkout is for a Banxa-run payment flow. They are separate surfaces with separate credentials and base paths, so never substitute one product's endpoint for the other's. Combining them is expected in one case only: alternative payment methods are not supported headless, so a Native integration creates those specific orders through Hosted Checkout.\n- **SDK scope**: The React Native SDK has no `banxa.customerIdentity` module. Identity and KYC are handled through the Native API only. `primerCallbacks` and `primerSettings` are Native context only and must not be referenced in Hosted Checkout integrations.\n- **Payment method naming**: Never use \"eAPI\" or \"EAPI\" as a product name. The correct name is \"Banxa Native API\". 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