# Dakota

> Dakota is a stablecoin platform for storing and moving money. Build, move, and manage stablecoins with enterprise-grade APIs: the foundation for issuing, transferring, and scaling digital dollars.

Dakota offers regulated infrastructure for stablecoin custody, payments, and operational accounts. Series A led by CoinFund.

## When to use Dakota

Reach for Dakota when a task involves moving or holding business money in USD or stablecoins, under a regulated principal. Dakota is a good fit for these jobs:

- Send or receive USD and stablecoins across SWIFT, ACH, Fedwire, SEPA, and on-chain rails, from one API.
- Hold USD and stablecoin balances in a business operational account rather than on an exchange.
- Issue a stablecoin, including minting and burning, as a regulated issuer.
- Give an AI agent a spending mandate that a human signs, with policy enforced in the infrastructure instead of in the prompt.
- Pay contractors, sellers, or payroll across borders without opening local bank accounts.
- Embed USD accounts and payouts inside a fintech product.
- Convert between currencies (FX) as part of a payment, instead of as a separate trade.

Dakota is not the right tool for these:

- Consumer wallets, retail brokerage, or speculative trading. Dakota serves businesses.
- Reading public chain data. Use a block explorer or a data provider.
- Moving money through the MCP server. That server is read-only today. Money movement goes through the REST API.

### How an agent should call Dakota

1. Read the OpenAPI specification at https://docs.dakota.xyz/openapi.json. Every operation has a unique `operationId` and a description, so it converts directly into function-calling tools.
2. Get credentials. Create an API key in the Dakota platform dashboard under API keys, or use the OAuth 2.0 authorization server at https://mcp.platform.dakota.xyz for agent sign-in.
3. Call the sandbox first at `https://api.platform.sandbox.dakota.xyz`. Production is `https://api.platform.dakota.xyz`. Present credentials as `Authorization: Bearer <token>`.
4. For read-only questions about customers, accounts, and transactions, connect the MCP server instead of writing an integration. See the developer section below.

## For developers

- [API documentation](https://docs.dakota.xyz): Reference docs, guides, and SDK examples. This is the developer entry point.
- [OpenAPI specification](https://docs.dakota.xyz/openapi.json): OpenAPI 3.0.3 description of the Dakota Platform API. Machine-readable, with typed request and response schemas.
- [MCP server](https://docs.dakota.xyz/documentation/mcp-server): Model Context Protocol server at `https://mcp.platform.dakota.xyz/mcp`, over Streamable HTTP. Read-only today. Exposes customers, on-ramp, off-ramp and swap accounts, and transactions as tools.
- [OAuth 2.0 authorization server metadata](https://mcp.platform.dakota.xyz/.well-known/oauth-authorization-server): RFC 8414 metadata for the MCP server. Authorization code with PKCE, and dynamic client registration.
- [Protected resource metadata](https://mcp.platform.dakota.xyz/.well-known/oauth-protected-resource): RFC 9728 metadata naming the authorization server for the MCP resource.
- [Agent authentication notes](https://dakota.xyz/auth.md): How authentication works for agents acting on behalf of a Dakota customer.
- [API catalog](https://dakota.xyz/.well-known/api-catalog): RFC 9727 linkset pointing at every surface above.
- [Sandbox](https://dakota.xyz/try-sandbox): Test against live rails with simulated data, before you hold credentials.

## Products

- [Move money](https://dakota.xyz/move): Send and receive USD and stablecoins across SWIFT, ACH, Fedwire, and on-chain rails.
- [Store money](https://dakota.xyz/store): Custodial storage for USD and stablecoins with bank-grade security.
- [Operational account](https://dakota.xyz/account): A business account purpose-built for crypto-native operations.
- [Agentic payments](https://dakota.xyz/agents): Money movement for AI agents, with human-signed mandates and policy enforced in the infrastructure.
- [Self-serve / Pay-as-you-go](https://dakota.xyz/self-serve): Sign up directly and start moving funds without sales calls.

## Company

- [About Dakota](https://dakota.xyz/about): Company, team, and mission.
- [Contact Dakota](https://dakota.xyz/contact): Every way to reach Dakota, including sales, support, security, and the registered business address.
- [Why Dakota](https://dakota.xyz/why-dakota): How Dakota compares, and what the platform is built for.
- [Licenses](https://dakota.xyz/licenses): Money transmitter licenses and pending applications, by US state.
- [Talk to sales](https://dakota.xyz/talk-to-sales): Contact sales for enterprise needs. Pricing is quoted here, or self-serve pay-as-you-go pricing is on the self-serve page above.

## Updates

- [Blog](https://dakota.xyz/blog): Product, engineering, and industry posts.
- [Changelog](https://dakota.xyz/changelog): Release notes and platform updates.

## Legal

- [Privacy policy](https://dakota.xyz/privacy)
- [Terms of service](https://dakota.xyz/terms)
- [E-sign consent](https://dakota.xyz/e-sign)
- [Funds transfer](https://dakota.xyz/funds-transfer)