> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pulseshiga.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Why Pulse

> A stablecoin-to-fiat settlement layer: one backend integration, your brand on every screen, and settlement you can build a ledger on.

Pulse is a settlement and orchestration layer for stablecoin-to-fiat payments.
Your users pay in stablecoin; you receive fiat where you need it — NGN to a
user's named virtual account, USD to your omnibus — confirmed by signed
webhooks, with your brand on every screen. You integrate once on the backend;
Pulse owns the banking, on-chain, and settlement rails underneath.

It's built for teams — fintechs, exchanges, and businesses — that need a
settlement layer without building banking, on-chain, and compliance rails
themselves. Everything below is a capability you can verify in these docs;
each section links to the page that demonstrates it.

## Funds in your user's name, not a pooled omnibus

The `naira` gate provisions a **named** virtual account per user — identity
(`bvn`, `nin`) travels server-to-server and never reaches the browser — so your
customer receives funds into an account in their own name, not a pooled balance
you have to reconcile yourself. The `usd` gate settles to your omnibus for the
simplest path.

<CardGroup cols={2}>
  <Card title="Create a session" icon="key" href="/backend/create-session">
    The naira and USD gates, named virtual accounts, and the returned shape.
  </Card>

  <Card title="How it works" icon="diagram-project" href="/how-it-works">
    Sessions, gates, quote locking, and the money-moment lifecycle.
  </Card>
</CardGroup>

## One integration, your brand on every screen

Four rendering models — in-app component, embedded iframe, hosted page, and
headless — all drive the **same** backend order, minted once with
`pulse.collectionSessions.create`. You pick the control-versus-effort tradeoff;
the money moment always wears your brand, never Pulse's.

<CardGroup cols={2}>
  <Card title="Choose a rendering model" icon="table-columns" href="/render/choose-a-model">
    Compare credential, runtime, and engineering effort across all four.
  </Card>

  <Card title="Theming & copy" icon="palette" href="/render/theming">
    Theme tokens, string placeholders, and the attribution toggle.
  </Card>
</CardGroup>

## Settlement you can build a ledger on

Every settlement is signed, idempotent, and quote-locked, with per-order deposit
attribution and deterministic handling of under- and overpayment. Crediting is
driven off one source of truth — a verified `disbursement.completed` webhook —
so your ledger stays correct under retries, duplicate clicks, and at-least-once
delivery.

<Note>
  Credit a customer only after a verified `disbursement.completed` webhook.
  Client-side callbacks such as `onSuccess` are UX signals and can be spoofed —
  the signed webhook is the only source of truth for crediting a user.
</Note>

<CardGroup cols={2}>
  <Card title="Webhooks" icon="bell" href="/backend/webhooks">
    Verify, de-duplicate, and credit off a verified event.
  </Card>

  <Card title="Webhook events" icon="list" href="/reference/webhook-events">
    Every signed lifecycle event and its payload shape.
  </Card>
</CardGroup>

## Deep, aggregated liquidity

Rates and fills come from an aggregated liquidity network rather than a single
desk. You preview a live rate, lock it to a quote, and transact at exactly that
price.

<Card title="Preview a rate" icon="chart-line" href="/backend/preview-rate">
  Show a live, lockable rate to your user before an order is created.
</Card>

## Licensing and registrations

Pulse operates under SEC Nigeria ARIP/DAI (approved in principle), with ADGM
registration and a DIFC registered office. For partners, these shorten the
compliance conversation.

## Supported stablecoins

Pulse Collect supports USDC and USDT on Ethereum, Base, and Polygon, handled
through a single backend integration.

| Stablecoin | Networks                |
| ---------- | ----------------------- |
| USDC       | Ethereum, Base, Polygon |
| USDT       | Ethereum, Base, Polygon |

<Card title="SDK reference" icon="book" href="/reference/node">
  The exact networks supported, and every method and type.
</Card>

## Backed by Tether, built on WDK

Tether is a strategic investor and technology partner, contributing liquidity
and infrastructure to the settlement layer beneath Pulse.

## Start building

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/quickstart">
    Zero to a working sandbox integration.
  </Card>

  <Card title="Sandbox" icon="flask" href="/testing/sandbox">
    Simulate the full lifecycle without moving funds.
  </Card>
</CardGroup>