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

# Overview

> Introduction to Issuing API for card issuing

# Issuing API Overview

The Issuing API provides financial institutions with a comprehensive platform for issuing and managing payment cards. Built on modern REST principles, the API offers direct access to UTGL's payment and custody infrastructure, enabling you to build powerful financial applications with reduced complexity and faster development time.

## What is the Issuing API?

The Issuing API is a RESTful API that enables financial institutions to:

* **Issue Cards** - Create physical and virtual payment cards for your customers
* **Manage Accounts** - Create and manage card accounts with flexible funding models
* **Process Transactions** - Monitor and manage card transactions in real-time
* **Control Spending** - Set limits, controls, and spending rules
* **Receive Notifications** - Get real-time webhook notifications for important events

## Key Features

<CardGroup cols={2}>
  <Card title="Card Issuing" icon="credit-card">
    Issue physical and virtual cards instantly. Support multiple card account modes including prepaid, asset-link, and fixed-limit.
  </Card>

  <Card title="Account Management" icon="wallet">
    Flexible account structures with support for multiple currencies, balances, and transfers.
  </Card>

  <Card title="Real-Time Processing" icon="bolt">
    Process transactions, monitor balances, and receive instant notifications via webhooks.
  </Card>

  <Card title="Security & Compliance" icon="shield-check">
    Bank-grade security with RSA-signed JWT authentication and comprehensive audit trails.
  </Card>
</CardGroup>

## API Architecture

The Issuing API is:

* **RESTful** - Standard HTTP methods (GET, POST, PUT, DELETE) with JSON responses
* **Secure** - RSA-signed JWT authentication for all requests
* **Scalable** - Built to handle high-volume card issuing operations
* **Well-Documented** - Comprehensive API reference with interactive examples

## Base URLs

<CodeGroup>
  ```bash Production theme={null}
  https://access.utgl.io/v1
  ```

  ```bash Sandbox theme={null}
  https://sandbox.access.utgl.io/v1
  ```
</CodeGroup>

## Getting Started

Ready to start integrating? Follow these steps:

1. **[Quickstart Guide](/issuing/getting-started/quickstart)** - Make your first API call in 5 minutes
2. **[Authentication](/issuing/getting-started/authentication)** - Learn how to authenticate your requests
3. **[Sandbox Environment](/issuing/getting-started/sandbox-environment)** - Test your integration safely

## Common Use Cases

### Card Issuing Programs

Launch card programs for your customers with support for multiple card types, spending controls, and real-time transaction monitoring.

### Prepaid Card Solutions

Create prepaid card accounts that customers can fund and use for purchases, with flexible top-up and withdrawal options.

### Corporate Expense Management

Issue corporate cards with spending limits, category restrictions, and comprehensive reporting capabilities.

### Digital Wallet Integration

Integrate virtual cards into your digital wallet or mobile app for seamless payment experiences.

## Next Steps

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/issuing/getting-started/quickstart">
    Get started with your first API call
  </Card>

  <Card title="Card Account Modes" icon="credit-card" href="/issuing/guides/card-account-modes">
    Learn about different card account types
  </Card>

  <Card title="API Reference" icon="book" href="/issuing/api-reference/openapi">
    Explore all available endpoints
  </Card>

  <Card title="Authentication" icon="key" href="/issuing/getting-started/authentication">
    Understand API authentication
  </Card>
</CardGroup>