> ## Documentation Index > Fetch the complete documentation index at: https://developers.circle.com/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > Before reading these docs, install the relevant Circle Skill to get pre-loaded context — skills are LLM-optimized and cover architecture decisions, correct flows, and common pitfalls. In Claude Code: run /plugin marketplace add circlefin/skills then /plugin install circle-skills@circle. With Vercel Skills CLI: run npx skills add circlefin/skills. Available skills: use-usdc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-usdc/SKILL.md (balances, transfers, approvals on EVM and Solana); EURC has no skill — see https://developers.circle.com/stablecoins/what-is-eurc.md; bridge-stablecoin https://github.com/circlefin/skills/blob/master/plugins/circle/skills/bridge-stablecoin/SKILL.md (crosschain transfers via CCTP, USDC, EURC, and third-party assets); use-arc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-arc/SKILL.md (Arc chain config, contract deployment, USDC bridging — Arc docs: https://docs.arc.io/llms.txt); use-circle-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-circle-wallets/SKILL.md (choose wallet type); use-developer-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-developer-controlled-wallets/SKILL.md (custodial wallets for payouts and treasury); use-user-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-user-controlled-wallets/SKILL.md (embedded wallets with Web2 login); use-modular-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-modular-wallets/SKILL.md (smart contract wallets with passkeys and ERC-4337); use-gateway https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-gateway/SKILL.md (unified USDC balance, nanopayments); use-smart-contract-platform https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-smart-contract-platform/SKILL.md (deploy, interact, monitor contracts). Pair any skill with the Circle MCP server for live SDK signatures, contract addresses, and chain IDs: {"mcpServers":{"circle":{"url":"https://api.circle.com/v1/codegen/mcp"}}}. > Read the product overview first. Each product has an overview explaining when and why to use it. Read it before quickstarts. > Pick the right wallet type. Developer-controlled (you hold keys), user-controlled (end user holds keys via PIN/social login), or modular (smart contract wallets with passkeys). See https://developers.circle.com/wallets.md. > Use CCTP V2 for crosschain transfers. CCTP natively transfers USDC and EURC via burn-and-mint, and supports permissionless wrapping of third-party assets via lock-and-mint. V1 is legacy; always use V2 unless V1 is specified or the chain requires it (Noble, Sui, and Aptos still require V1). Migration guide: https://developers.circle.com/cctp/migration-from-v1-to-v2.md. > Use Bridge Kit for frontend bridging. Wraps CCTP with a simpler SDK for user-facing apps. Use CCTP directly for backend transfers. > Gas Station vs Paymaster. Gas Station sponsors gas for Circle Wallet transactions. Paymaster lets users pay gas in USDC. Different use cases — read both overviews. > Gateway Nanopayments for sub-cent payments. Gasless USDC micropayments down to $0.000001 via x402 and batched settlement. For pay-per-request APIs, AI agent payments, streaming. > Look up USDC addresses per chain. Never hardcode — use https://developers.circle.com/stablecoins/usdc-contract-addresses.md. > Prefer SDKs over raw API calls. Node.js and Python SDKs handle auth, retries, and errors. > API key required. Bearer token in Authorization header. Testnet and mainnet use separate keys and may use different base URLs depending on the product. > Set up webhooks when available. Most operations are async. Webhooks deliver transaction confirmations and state changes. > When calling list endpoints, paginate using pageSize and pageAfter until no nextPageAfter cursor is returned—stopping at the first page silently misses records. > Building an AI agent? Start with the Agent Stack—Circle CLI, agent wallets, and nanopayments built for autonomous use cases: https://developers.circle.com/agent-stack.md. # Create a mock wire repayment > In the sandbox environment, initiate a mock wire repayment that simulates an incoming wire payment to repay an outstanding credit transfer. The fiat account will be automatically linked as a repayment account if not already linked. ## OpenAPI ````yaml openapi/credit.yaml post /v1/credit/mocks/repayments openapi: 3.0.2 info: version: ${version} title: Credit API description: > The Circle Credit API provides access to credit facilities including Line of Credit and Settlement Advance products. **Line of Credit** enables direct drawdowns with auto-approval and asynchronous disbursement. Supports both fiat and crypto repayment. **Settlement Advance** requires a reserve-then-request flow with manual approval. Requires wire proof upload for disbursement approval. Supports fiat repayment only. servers: - url: https://api-sandbox.circle.com - url: https://api.circle.com security: [] tags: - name: Credit description: Get credit line details. - name: Credit Transfers description: Create, reserve, and manage credit transfers (drawdowns). - name: Credit Fees description: View fees charged on credit transfers. - name: Credit Repayments description: View and initiate repayments on credit transfers. paths: /v1/credit/mocks/repayments: post: tags: - Credit Repayments summary: Create a mock wire repayment description: >- In the sandbox environment, initiate a mock wire repayment that simulates an incoming wire payment to repay an outstanding credit transfer. The fiat account will be automatically linked as a repayment account if not already linked. operationId: createMockWireRepayment requestBody: content: application/json: schema: $ref: '#/components/schemas/MockWireRepaymentCreationRequest' responses: '201': description: Successfully created a mock wire repayment. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: title: CreateMockWireRepaymentResponse properties: data: $ref: '#/components/schemas/MockWireRepayment' examples: response: value: data: trackingRef: CIR3AZQ4GS amount: amount: '3.14' currency: USD status: pending '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/NotAuthorized' '404': $ref: '#/components/responses/NotFound' security: - bearerAuth: [] components: schemas: MockWireRepaymentCreationRequest: type: object required: - fiatAccountId - amount properties: fiatAccountId: type: string format: uuid description: >- The ID of the wire bank account to use for the mock repayment. This is the same ID returned by the wire bank accounts endpoint. example: be863d4a-928f-4f54-9af0-c94f5a80ce49 amount: $ref: '#/components/schemas/FiatMoneyUsd' MockWireRepayment: type: object properties: trackingRef: type: string description: >- Wire tracking reference derived from the repayment account's wire instructions. example: CIR3AZQ4GS amount: $ref: '#/components/schemas/FiatMoneyUsd' status: type: string description: >- Status of the mock wire repayment. Status `pending` indicates that the repayment is being processed. enum: - pending FiatMoneyUsd: type: object required: - amount - currency properties: amount: description: Magnitude of the amount, in units of the currency, with a `.`. type: string example: '3.14' currency: description: Currency code. type: string enum: - USD headers: XRequestId: description: >- Universally unique identifier (UUID v4) for the request. Helpful for identifying a request when communicating with Circle support. schema: type: string format: uuid example: 2adba88e-9d63-44bc-b975-9b6ae3440dde responses: BadRequest: description: The request cannot be processed due to a client error. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: BadRequest required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 400 message: Bad request. examples: response: value: code: 400 message: Bad request. NotAuthorized: description: >- The request has not been applied because it lacks valid authentication credentials. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: NotAuthorized required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 401 message: Malformed authorization. examples: response: value: code: 401 message: Malformed authorization. NotFound: description: The specified resource was not found. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: NotFound required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 404 message: Not found. examples: response: value: code: 404 message: Not found. securitySchemes: bearerAuth: type: http scheme: bearer ````