1
A customer is registered and verified
You tell Kira about one of your customers. Kira checks who they are against the documents and details you provide, and against the registries it has access to.Nothing can move until this finishes. A customer that is still being checked can exist in your system, but cannot hold or send money. If something is missing, Kira tells you exactly what — you collect it and send it on.
2
An account is opened for them
Once a customer is cleared, Kira opens an account in their name and hands back bank details a payer can send money to.Those details belong to that customer. Money arriving there is credited to them and is visible to you as theirs, separately from every other customer you have.
3
Money arrives
A payer sends money to those details, the same way they would to any bank account. Kira records the arrival and notifies you.At this point the money is on the books, held for that customer, and doing nothing. It can sit there indefinitely.
4
You decide where it goes
Money can stay where it is, be converted, or be sent onward. If it is going out, you first tell Kira who is receiving it — a bank account, or a digital wallet — and that recipient is saved and reused for every later payment.Before committing, you can ask what a movement will cost and what will actually arrive. That answer holds for a short window, so you can show it to someone and act on it before it changes.
5
The payment is made and settles
Kira sends the money, and reports each stage as it happens: accepted, on its way, delivered. If it fails, you are told why.How long the last step takes is the rail’s business, not Kira’s, and rails differ widely. Kira’s job is to tell you the truth about where it is, not to predict when it lands.
What holds it together
A customer is the anchor. Accounts, recipients and payments all belong to one. Nothing exists on its own. Verification gates everything. It is the one step that can block the rest, and the one that depends on information only your customer can give you. Start it early. You are told, you do not have to ask. Every state change is announced. An integration that polls for updates is doing avoidable work — and will be slower than one that listens. Money at rest is safe to leave. There is no penalty for holding a balance, and no charge for having it sit. You only pay when it moves — see How you’re charged.Where to go next
How you're charged
What each of these steps costs.
Pick your use case
Which of these steps your integration actually needs.