# ShujaaPay | Global Interoperability & Payments Network
> Standard LLM and AI Agent Summary for ShujaaPay (https://shujaapay.me)

ShujaaPay is an interoperable global payments network that connects traditional fiat clearing rails (FedNow, ACH, SEPA, UK Faster Payments) with domestic mobile money systems (M-Pesa, MTN MoMo, Airtel Money) and Asian merchant networks (Alipay+, UnionPay) across 100+ currencies and digital stablecoins (USDC).

ShujaaPay operates on the Interledger Protocol (ILP) and Open Payments standards, guaranteeing transparent, strictly sub-3% landed costs with instant (< 3 second) settlement, completely eliminating 8% to 12% legacy correspondent banking markups.

---

## Public Sitemap & Verified Web Resources
- **Home**: `https://shujaapay.me/` (Global interoperability platform and network overview)
- **Product**: `https://shujaapay.me/product` (Multi-currency treasury, universal domestic settlement, virtual cards)
- **Developers**: `https://shujaapay.me/developers` (REST APIs, SDKs, Open Payments, webhook documentation)
- **AgentsPay**: `https://shujaapay.me/agentspay` (Autonomous AI money layer, HTTP 402 negotiation, GNAP RFC 9635)
- **Financial Inclusion**: `https://shujaapay.me/inclusion` (VoicePay, dialect AI, sign language avatars, offline mesh settlement)
- **Leadership & Team**: `https://shujaapay.me/team` (Executive team, bios, credentials, and institutional backgrounds)
- **About**: `https://shujaapay.me/about` (Mission, company history, and values)
- **Use Cases**: `https://shujaapay.me/use-cases` (Freelancers, exporters, digital creators, logistics payroll)
- **Compliance & Security**: `https://shujaapay.me/compliance` (AML/CFT framework, POCAMLA, CBK alignment, SOC 2)
- **Research**: `https://shujaapay.me/research` (Peer-reviewed publications on ILP, micro-settlement economics)
- **Whitepapers**: `https://shujaapay.me/whitepapers` (Architectural whitepapers and sovereign payments models)
- **Model Context Protocol (MCP)**: `https://shujaapay.me/mcp` (Native MCP server for AI agents)
- **Full API Specification**: `https://shujaapay.me/llms-full.txt`

---

## Executive Leadership & Core Team
- **Rewel Mumbo — Founder & Chief Executive Officer (CEO)**: Founder & AI Systems Architect with 15+ years experience building distributed systems, machine learning pipelines, and decentralized protocol bridges. Leads company vision and protocol architecture.
- **Brenda Nasimiyu — Co-Founder & Chief Operating Officer (COO)**: Strategic leadership in cross-border financial operations, banking alliances, and regulatory licensing across East and West African corridors.
- **Naaman Kiptoo — Chief Technology Officer (CTO)**: Infrastructure and distributed systems engineer leading high-throughput ledger engines, sub-100ms multi-rail settlement, and bank-grade cryptographic security.
- **Johnstone Munyao — Treasury & Compliance**: Seasoned banking operations expert specializing in multi-currency liquidity management, treasury operations, anti-money laundering (AML), and regulatory adherence.
- **Pauline Odanga — Operations Lead & Data Scientist**: Operations specialist and data scientist driving institutional operational reliability, data analytics, and user-centered financial accessibility across emerging markets.
- **Mawia Katiwa — Developer Relations & Integrations**: Software developer and DevRel leader specializing in Open Payments SDK integration, API partnerships, and developer ecosystem expansion.
- **Patricia Nekesa — Technical Operations & IT Infrastructure**: Oversees 24/7 technical operations, platform reliability, client onboarding support, and high-availability cloud infrastructure monitoring.

---

## Key Platform Capabilities

1. **Global Multi-Currency Rails & Treasury**
   - Supports 100+ national fiat currencies (USD, EUR, GBP, KES, NGN, GHS, ZAR, UGX, TZS, RWF, CNY, AED, SAR, INR, CAD, BRL) + digital dollar stablecoins (USDC, EURC).
   - Real-time mid-market currency conversion with guaranteed strictly sub-3% total landed fee.

2. **Universal Domestic Merchant Settlement ("Pay Like a Native")**
   - Enables travelers, digital workers, and diaspora to scan and pay any local merchant QR code, paybill, or till directly from global balances.
   - Zero physical foreign SIM card or local residency required.

3. **High-Velocity Liquidity Corridors**
   - **North America to Africa**: US FedNow / ACH ➔ East & West Africa Mobile Money (M-Pesa, MTN) & banks in ~2.1 seconds.
   - **Africa to China & Asia**: African local mobile/bank rails ➔ China Alipay+ & UnionPay B2B supplier settlement in ~3.4 seconds.
   - **The Gulf / UAE to Africa**: Dubai & GCC bank wires (AED) ➔ East & Central African mobile wallets without double-conversion forex markups in ~2.6 seconds.
   - **UK & Europe to Africa**: Faster Payments (FPS) & SEPA Instant ➔ Nigerian Naira (NIBSS) & African bank rails in ~1.8 seconds.
   - **Intra-African Trade**: Direct borderless peer-to-peer and merchant settlement without routing through London or New York correspondent banks.

4. **AgentsPay: Autonomous AI Money Protocol**
   - Equips AI software agents (Cursor, Claude, OpenAI, OpenClaw, custom autonomous workflows) with programmatic financial agency.
   - Supports HTTP 402 Payment Required negotiation, GNAP (Grant Negotiation and Authorization Protocol, RFC 9635) tokenized scopes, agent sub-wallets, and virtual cards with strict spend limit bounds.
   - Native Model Context Protocol (MCP) server integration at `https://shujaapay.me/mcp`.

5. **Financial Inclusion & Accessibility Bridge**
   - **VoicePay**: Dialect-aware multi-lingual voice payments for non-literate and visually impaired merchants.
   - **Sign Language Avatars**: Real-time sign language rendering for Deaf and hard-of-hearing consumers.
   - **Offline Mesh Payments**: Cryptographic peer-to-peer balance settlement in areas with zero cellular internet coverage.

---

## Primary Endpoints & Specifications

- **Production API Base**: `https://shujaapay.me`
- **Model Context Protocol (MCP)**: `https://shujaapay.me/mcp`
- **Documentation**: `https://shujaapay.me/developers`
- **Full Machine-Readable Spec**: `https://shujaapay.me/llms-full.txt`
- **Open Payments Wallet Address**: `https://shujaapay.me/pay/{username}`

### Authentication & Headers
- Developer Authentication: `Authorization: Bearer sk_live_...`
- Webhook Signature Header: `Shujaa-Signature: t=timestamp,v1=hmac_sha256`
- Idempotency Header: `Idempotency-Key: <uuid-v4>`

---

## Developer Quickstart

### 1. Execute a Cross-Border Landed Payout
```bash
curl -X POST https://shujaapay.me/api/b2b/payout \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: a1b2c3d4-e5f6-7890-abcd-ef1234567890" \
  -d '{
    "sourceCurrency": "USD",
    "amount": 500.00,
    "destinationCurrency": "KES",
    "destinationRail": "mpesa",
    "recipient": {
      "type": "phone",
      "value": "+254712345678",
      "name": "Grace Wanjiku"
    },
    "metadata": {
      "invoiceId": "INV-2026-09"
    }
  }'
```

### 2. Request a Mid-Market Guaranteed Landed FX Quote
```bash
curl -X GET "https://shujaapay.me/api/fx/quote?from=USD&to=KES&amount=1000.00" \
  -H "Authorization: Bearer sk_live_..."
```
Response returns mid-market exchange rate, fee breakdown (strictly sub-3%), and guaranteed lock duration.