# Karma Documentation

## Docs

- [Adding bank accounts](https://docs.karmapay.xyz/adding-bank-accounts.md): Connect your existing bank accounts to the Karma platform
- [Formation Documents](https://docs.karmapay.xyz/businesses/formation-documents.md): Required business formation documents by entity type for KYB verification
- [High-Risk & Prohibited Activities](https://docs.karmapay.xyz/businesses/high-risk-activities.md): Business activities that require disclosure or are prohibited on Karma
- [Business Identification Numbers](https://docs.karmapay.xyz/businesses/identification-numbers.md): Accepted business identification numbers by country for KYB verification on Karma
- [Business Accounts](https://docs.karmapay.xyz/businesses/overview.md): How businesses can use Karma for on-ramping and off-ramping through virtual accounts
- [Ownership Documents](https://docs.karmapay.xyz/businesses/ownership-documents.md): Required business ownership documents for verifying beneficial owners and control persons
- [Changelog](https://docs.karmapay.xyz/changelog.md): Product updates and announcements
- [Completing KYC procedure](https://docs.karmapay.xyz/completing-kyc-procedure.md): Guide to completing your Know Your Customer verification
- [Creating a Karma account](https://docs.karmapay.xyz/creating-a-karma-account.md): Step-by-step guide to setting up your Karma account
- [Creating IBAN for your Phantom Wallet](https://docs.karmapay.xyz/creating-iban-for-your-phantom-wallet.md): Generate a European IBAN directly connected to your Phantom wallet
- [Depositing EUR in your Phantom Wallet](https://docs.karmapay.xyz/depositing-eur-in-your-phantom-wallet.md): Send EUR to your IBAN and automatically receive USDC in your Phantom wallet
- [REST API](https://docs.karmapay.xyz/developers.md): Resources for builders integrating with Karma
- [FAQs](https://docs.karmapay.xyz/faq.md): Common questions about payments, timelines, and virtual accounts
- [Features](https://docs.karmapay.xyz/features.md): Explore Karma's comprehensive financial infrastructure capabilities
- [Fees](https://docs.karmapay.xyz/fees.md): Real‑time FX. Zero hidden fees. Simple pricing.
- [Introduction](https://docs.karmapay.xyz/index.md): Welcome to Karma Documentation
- [Individuals onboarding](https://docs.karmapay.xyz/individuals-onboarding.md): Information collected during onboarding and acceptable identification numbers
- [Proof of address requirements](https://docs.karmapay.xyz/proof-of-address-requirements.md): Accepted documents and rules for verifying address
- [Staking $KARMA](https://docs.karmapay.xyz/staking.md): Stake $KARMA to unlock multiplied rewards and lower fees. There is no APY — staking pays in product utility, not yield.
- [Support](https://docs.karmapay.xyz/support.md): Quick ways to reach the Karma team.
- [Supported countries](https://docs.karmapay.xyz/supported-countries.md): Where Karma services are available, based on our compliance partners
- [Supported documents](https://docs.karmapay.xyz/supported-documents.md): Documents commonly requested during onboarding, KYC, and compliance reviews
- [The Real-world Flywheel](https://docs.karmapay.xyz/the-real-world-flywheel.md): Injecting real-world revenue into a sustainable token flywheel
- [US banking holidays](https://docs.karmapay.xyz/us-banking-holidays.md): Federal banking holidays when payments are not processed
- [What is Karma Pay?](https://docs.karmapay.xyz/what-is-karma.md)
- [What is $KARMA](https://docs.karmapay.xyz/what-is-karma-token.md): Our native token, powering our entire platform.
- [Why did we build this?](https://docs.karmapay.xyz/why-did-we-build-this.md): A self-custody, compliant replacement for bank accounts for individuals and businesses.
- [Withdrawing USDC to banks in EUR/USD](https://docs.karmapay.xyz/withdrawing-usdc-to-banks.md): Convert and withdraw USDC from your wallet to traditional bank accounts

## OpenAPI Specs

- [openapi](https://docs.karmapay.xyz/api-reference/openapi.json)