Yapit/YapEX Payment Platform Integration
Overview
Yapit (YapEX) is a Black-owned payment platform from the Virgin Islands. It enables global economic connections that Stripe cannot — connecting the Black man in America with the Black man around the globe.
This achieves the goal of what the Most Honorable Elijah Muhammad wanted: economic connection across the African diaspora.
Current Status (Updated March 15, 2026)
Stripe is PRIMARY for now. Yapit has NOT been verified — we cannot test on their system yet. Until Yapit proves they can do what they say, all projects use Stripe as the primary payment provider. Yapit remains the VISION but not the current reality.
Strategic Importance
- Black-owned — aligns with “Do for Self” economic philosophy
- Global reach — Caribbean, Africa, Central/South America connections Stripe can’t make
- FUTURE: May eventually replace Stripe — but must verify capabilities first
- Testing ground: World Cup Ready App (first dual-provider integration, when ready)
- Both platforms: Integrated into BOTH Auset (QuikNation/Clara) AND NOI (Ali) platforms
API Details
- Sandbox Base URL:
https://api.yapit.app/api/merchant/sandbox/v1 - Production Base URL:
https://api.yapit.app/api/merchant/production/v1 - Dashboard:
yapex.biz/money/api - API Docs:
https://documenter.getpostman.com/view/27740792/2sA3dvkXx4#intro
API Capabilities (from Liquid Cash Dashboard)
| Feature | Description |
|---|---|
| Money In | Accept payments from customers |
| Money Out | Send money to recipients |
| Quick Pay | Fast payment processing |
| Bulk Payout | Mass disbursements (FOI paper sales, vendor payouts, etc.) |
| Account History | Transaction history and reporting |
| Add Payee | Register payment recipients |
| Payee Summary | Payee management and overview |
| Commissions | Platform fee / commission tracking |
| Order Cards | Physical card ordering |
| Issue Cards | Virtual card issuance |
| Send to Cards | Card-based transfers |
| Get Capital | Business financing/capital access |
| Liquid Cash API | Core payment processing API |
| Invoicing | Invoice creation and management |
| Escrow | Secure escrow transactions |
Integration Architecture
Dual-Provider Pattern (Stripe + Yapit)
PaymentRouter
├── StripeProvider (current — Connect, Terminal, Subscriptions)
├── YapitProvider (new — Liquid Cash, Escrow, Bulk Payout)
└── ProviderSelector (route based on: geography, transaction type, user preference)
Routing Logic
- Domestic US: Stripe (primary), Yapit (secondary)
- Caribbean/Africa/Global: Yapit (primary), Stripe (secondary/unavailable)
- Escrow transactions: Yapit (unique capability)
- Bulk payouts (FOI/vendor): Yapit Bulk Payout
- Subscriptions: Stripe (mature), Yapit Invoicing (growing)
- In-person POS: Stripe Terminal + Yapit Cards
Environment Variables
# Yapit Configuration
YAPIT_API_KEY=
YAPIT_MERCHANT_ID=
YAPIT_ENVIRONMENT=sandbox|production
YAPIT_WEBHOOK_SECRET=
YAPIT_BASE_URL=https://api.yapit.app/api/merchant/sandbox/v1
Plan Integration (Updated Epics)
- Epic 01 (Clara AI): Clara understands dual payment providers
- Epic 02 (Ali AI): Ali references Yapit for Three-Year Economic Program
- Epic 03 (NOI Core): .auset.ts includes Yapit config alongside Stripe
- Epic 05 (FOI/MGT): Distribution tracking uses Yapit Bulk Payout
- Epic 06 (NOI Commerce): Store/subscriptions support both providers
- Epic 08 (Global Reach): Yapit enables international payments — CRITICAL
- Epic 09 (Site962): All payment flows support dual providers
- Epic 10 (QuikNation.com): Yapit listed as supported payment provider
- Epic 12 (Site962 Migration): Payment migration includes Yapit path
- Epic 13 (Stripe Dashboard): Becomes “Payment Dashboard” covering both
- Epic 14 (Admin Panel): Payment settings include Yapit configuration
- Epic 15 (Investor Portal): Revenue tracking includes Yapit revenue streams
- Epic 16 (Auset Activation): Story 16.10 (Payments/Sobek) builds dual-provider system