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

# Overview

> Integration guides and API reference for the ReflexPay Identity as a Service platform.

# IDaaS Documentation

IDaaS is a multi-tenant Identity as a Service platform for portable tags, consent-based identity federation, cross-application payments, settlement, and webhook-driven integrations.

## What you can do with IDaaS

* Register an application and receive API credentials.
* Create subjects and portable tags such as `alice@walletapp`.
* Initiate and accept cross-application transactions.
* Verify webhook signatures and optionally decrypt JWE payloads.
* Track wallet balances, ledger entries, and settlement batches.

## Base URLs

* **Staging API:** `https://staging-idaas.yourflexpay.com/api`
* **Productoin API:** `https://idaas.yourflexpay.com/api`

## Start here

1. Read the [Quickstart](/idaas/quickstart).
2. Follow the full [End-to-End Integration Guide](/idaas/integration-guide).
3. Review the [Authentication](/idaas/authentication) flow.
4. Set up [Webhooks](/idaas/webhooks) before you process transactions.

## Core capabilities

| Capability         | Summary                                                                                              |
| ------------------ | ---------------------------------------------------------------------------------------------------- |
| Identity tags      | Portable, application-scoped tags with globally unique qualified addresses such as `alice@walletapp` |
| Transactions       | Tag-to-tag payments that require receiver acceptance or rejection                                    |
| Wallets and ledger | Per-application escrow wallet plus immutable DEBIT/CREDIT ledger entries                             |
| Settlement         | End-of-day net position generation for reconciliation                                                |
| Security           | JWT auth, JWE payload encryption, HMAC webhook signatures, and rate limiting                         |