SECTION 01

Introduction

The FTL API provides programmatic access to all core transaction rails — C2B collections, B2C disbursements, B2B settlements, and Bulk SMS. Every endpoint is RESTful, returns JSON, and is designed for reliability at scale.

All API requests are made to https://api.ftl.fobo.com/v3. We support server-to-server and webhook integrations for real-time event notifications.

New to FTL?

Start with the authentication guide to get your API keys, then explore the core endpoints below.

SECTION 02

Authentication

All API requests require an API key passed via the X-API-Key header. Your API key identifies your organization and grants access to your ledger.

HEADER X-API-Key: your_api_key_here

                            # Example request with authentication

                            curl -X GET https://api.ftl.fobo.com/v3/balance \

                              -H "X-API-Key: sk_live_abc123def456" \

                              -H "Content-Type: application/json"

Security Note

Never commit API keys to version control. Use environment variables in production. Rotate keys regularly via the dashboard.

SECTION 03

Core Endpoints

Four primary endpoints power the FTL platform. Each corresponds to a transaction rail.

01

C2B Collections

POST /collections

Initiate a C2B collection from a member. Funds are posted to the member's ledger in real-time.

Parameter	Type	Required	Description
`member_id`	string	required	Unique member identifier
`amount`	integer	required	Amount in cents (e.g., 1000 = $10.00)
`reference`	string	optional	Client-side reference ID

                                    // POST /collections

                                    {

                                      "member_id": "mbr_12345",

                                      "amount": 25000,

                                      "reference": "invoice-2026-08-05"

                                    }

02

B2C Disbursements

POST /disbursements

Send payouts to members via M-Pesa, Airtel Money, or bank transfer. Supports both batch and real-time.

Parameter	Type	Required	Description
`member_id`	string	required	Recipient member identifier
`amount`	integer	required	Amount in cents
`channel`	string	required	`mpesa`, `airtel`, or `bank`

03

B2B Settlements

POST /settlements

Transfer funds between institutional accounts. Fully auditable with automatic reconciliation.

Parameter	Type	Required	Description
`from_account`	string	required	Source institutional account ID
`to_account`	string	required	Destination institutional account ID
`amount`	integer	required	Amount in cents

04

Bulk SMS

POST /sms

Send branded SMS campaigns to your members. Supports templates and personalization.

Parameter	Type	Required	Description
`member_ids`	array	required	Array of member IDs to receive the message
`message`	string	required	Message content (max 160 chars per segment)
`sender_id`	string	optional	Branded sender ID (must be pre-approved)

SECTION 04

Webhooks

FTL can push real-time events to your server via webhooks. Configure endpoints in the dashboard to receive notifications for transaction completions, failures, and SMS delivery statuses.

                            # Example webhook payload

                            {

                              "event": "collection.completed",

                              "data": {

                                "transaction_id": "txn_abc123",

                                "member_id": "mbr_12345",

                                "amount": 25000,

                                "status": "success",

                                "timestamp": "2026-08-05T14:32:18Z"

                              }

                            }

SECTION 05

Error Handling

All error responses follow a consistent format. Always check the status and code fields for programmatic handling.

                            # Error response example

                            {

                              "error": {

                                "code": "insufficient_balance",

                                "message": "Account
                                balance is insufficient for this transaction",

                                "status": 402

                              }

                            }

Common Error Codes

invalid_api_key — 401

insufficient_balance — 402

invalid_member — 404

rate_limited — 429

SECTION 06

SDKs & Libraries

Official client libraries to accelerate your integration.

🐍

Python

pip install ftl-sdk

Stable

⚡

Node.js

npm install @ftl/sdk

Stable

☕

Java

Coming soon

Beta

SECTION 07

Rate Limits

API rate limits are applied per API key. Default limits are generous — most clients never hit them. If you need higher throughput, contact our team.

Standard

1,000 requests per minute

Enterprise

10,000 requests per minute

Upgrade

SECTION 08

Changelog

v3.0

Initial Release

Full REST API for C2B, B2C, B2B, and SMS
Webhook support for real-time events
Python and Node.js SDKs

August 2026

Developer Documentation