# 👋 Welcome to Khipu Docs!

At Khipu, **we develop specialized solutions for payment processing and data extraction, currently operating in Argentina, Chile, and Peru. These solutions rely on publicly and privately available web sources**, enabling a wide range of system integration services such as account-to-account payments, bank reconciliation through extracted data, and customer data retrieval for credit risk analysis, among other use cases.

Building on this foundation, we offer a universal API based on OpenID Connect. This API is designed to integrate seamlessly with multiple institutions, using APIs whenever regulations and institutions allow. **In scenarios where such integrations are not available, we implement secure web scraping techniques that emulate a native API**, ensuring operational continuity, regional coverage, and compatibility with a wide variety of platforms.

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## Payment Solutions

### 💸 Instant Payments

This API allows you to create and receive payments for payees (individuals or organizations) that have a payment
account.

[🔗 Instant Payments Guide](/en/payment-solutions/instant-payments/description)  | [API Reference](/apis/v3/instant-payments/openapi)

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### 🔁 Automatic Payments

This API allows you to implement a single flow for PAC mandate signing or direct debit, and subsequent automatic service
charges.

[🔗 Automatic Payments Guide](/en/payment-solutions/automatic-payments/description) | [ API Reference](/apis/v1/automatic-payments/openapi)

## Data Solutions

### 🌐 Open Finance (API & WaaS)

This API provides access to real banking and financial information from multiple institutions, using our secure
web scraping platform.

[🔗 Open Finance Guide](/en/data-solutions/open-finance/description) | [ API Reference](/en/data-solutions/open-finance/api-reference)

> ¿Where to start?
👉 [Follow our Quick start guide](/en/quick-start)