---
title: "FLEX (@reflexpay)"
description: "Nigeria's identity-first payment platform."
account: "reflexpay"
---

# FLEX

Nigeria's identity-first payment platform.

## APIs

2 public APIs with a stored document.
Each links to its markdown overview; the same address with
`/llms.txt` in place of `.md` lists its operations.
Changes across these APIs: https://skmtc.dev/reflexpay/feed.md

- [IDaaS – Identity as a Service API](https://skmtc.dev/reflexpay/apis/idaas-identity-as-a-service-api.md): Identity tags: create and transfer handles, attach claims, send payments, and query settlements
- [Flex Merchant API](https://skmtc.dev/reflexpay/apis/flex-merchant-api.md): Payment requests: create, list, look up and cancel merchant payment requests