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

# Environments & scopes

> Test vs live keys and OAuth scopes.

# Environments & scopes

| Mode | Key prefix | Behavior |
| - | - | - |
| Test | `sp_test_` | Sandbox / simulated writes |
| Live | `sp_live_` | Real funds |

Same host: `https://api.sendpadi.com`

## Scopes

| Scope | Used by |
| - | - |
| `wallets:read` | Get wallets |
| `transactions:read` | List transactions |
| `transfers:read` / `transfers:write` | Banks, validate, transfer |
| `identity:read` / `identity:write` | BVN / NIN products and lookups |
| `vas:read` / `vas:write` | Billers, validate, VAS purchases, eSIM |
| `gift-cards:read` / `gift-cards:write` | Gift card buy & sell |
| `virtual-cards:read` / `virtual-cards:write` | Virtual cards |
| `crypto:read` / `crypto:write` | Crypto (if enabled) |

Missing scope returns `403` with `MERCHANT_SCOPE_MISSING`.


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