MoneyGraph is an AI-native payment infrastructure SDK that enables developers to accept payments, send global payouts, issue virtual cards, and manage multi-currency wallets. It integrates natively with AI coding assistants like GitHub Copilot, Claude, Cursor, and ChatGPT.

Which AI coding assistants does MoneyGraph support?

MoneyGraph SDK v2.2+ includes native configuration files for GitHub Copilot, Amazon Q, Windsurf (Codeium), Devin, Cursor, ChatGPT, Claude, Bolt.new, Base44, and Replit. Your AI assistant automatically learns MoneyGraph patterns and compliance requirements.

How many countries does MoneyGraph support?

MoneyGraph supports payouts to 107+ countries via multiple payment rails including local bank transfers, mobile money (M-Pesa, MTN, Airtel), SWIFT international wires, and cryptocurrency (USDC, USDT, ETH, BTC).

Is KYC compliance automated?

Yes, MoneyGraph provides automated KYC/AML compliance with document upload, identity verification, and status management via the SDK. The system enforces compliance rules - payouts are blocked until KYC is approved.

Can I test MoneyGraph in sandbox mode?

Yes, use test API keys (sk_test_*) to access sandbox mode with mock data, instant KYC approvals, and simulated transactions. Test cards and personas are provided for comprehensive testing.

Building Payment Apps with Replit and MoneyGraph

Replit is a collaborative browser-based IDE with powerful AI coding capabilities. Combined with MoneyGraph SDK, you can build, test, and deploy payment applications entirely in your browser.

Why Replit + MoneyGraph?

Feature	Benefit for Fintech
Browser-Based	No local setup required
Replit Agent	Autonomous AI builds complete features
Ghostwriter	Inline AI code completion
Built-in DB	Store customer mappings
One-Click Deploy	Production deployment
Collaboration	Real-time team coding
Free Tier	Start building immediately

Quick Setup

Step 1: Create a Node.js Repl Step 2: Install SDK: npm install @moneygraph/sdk Step 3: Add secrets (Tools → Secrets):

Secret Key	Value
`MONEYGRAPH_API_KEY`	`sk_test_your_key`

Step 4: Initialize and start building!

import { MoneyGraph } from '@moneygraph/sdk';
const mg = new MoneyGraph({ apiKey: process.env.MONEYGRAPH_API_KEY });

Quick Start Prompt

Tell Replit Agent:

Build a payment API using MoneyGraph SDK with Express.js.

Setup: - npm install @moneygraph/sdk express - Get API key from Replit Secrets (MONEYGRAPH_API_KEY)

Create these endpoints: - POST /api/customers - Register customer - POST /api/customers/:id/kyc - Upload KYC documents - GET /api/quotes - Get FX quote (accepts from_currency, to_currency, amount) - POST /api/payouts - Send money (uses executeSmartPayout)

Critical rules: - Check KYC status before allowing payouts - Use Quote → Confirm → Payout flow - Handle errors: KYC_PENDING, QUOTE_EXPIRED, INSUFFICIENT_BALANCE - Never hardcode API keys - Add request validation - Return proper HTTP status codes

Store customer ID mappings in Replit DB. ```

Replit Agent will build the entire API autonomously!

Using Replit Agent

Give Replit Agent these instructions for compliant code:

Critical Rules:

Always check KYC: mg.customers.kyc.canPayout()
Use Quote → Confirm → Payout flow
Use mg.executeSmartPayout() for simplest integration
Never hardcode API keys
Handle all MoneyGraph error types

Deployment Checklist

When deploying to production:

Step	Action	Purpose
1	Update to `sk_live_*` key	Enable real transactions
2	Enable Always On	Keep server running 24/7
3	Custom Domain	Professional webhook URL
4	Add Webhook Secret	Secure webhook handling
5	Set up Monitoring	Track transaction success

Replit Database Integration

Store customer mappings with Replit DB:

import { Client } from '@replit/database';
const db = new Client();

// Link MoneyGraph customer to user await db.set(customer:${userId}, mgCustomerId);

// Retrieve for payouts const customerId = await db.get(customer:${userId}); ```

Best Practices

Practice	Why It Matters
Use Secrets	Never commit API keys to version control
Enable Ghostwriter	AI understands MoneyGraph SDK patterns
Use Replit DB	Store customer ID mappings securely
Test sandbox first	Always use `sk_test_*` during development
Set up webhooks	Get real-time payout status updates

Why Replit Works for Fintech

Replit's collaborative environment with Replit Agent makes it perfect for team-based fintech development. Build, test, and deploy payment applications without leaving your browser.

Next Steps:

Replit Platform - Start building collaboratively
MoneyGraph SDK Docs - Complete API reference
Replit Agent Guide - AI coding best practices

Replit + MoneyGraph = Collaborative fintech development made simple.