This API specification is made available by Ericsson, Huawei, Mahindra-Comviva, Telepin, and the Bill & Melinda Gates Foundation under a Creative Commons Attribution-NoDerivatives 4.0 International License. In order to help maintain the integrity of the text of this document that reflects the underlying charitable goals of this project, we are circulating under a CC-BY license that prohibits the creation of derivative works based on this document. We ask that you do not create or distribute derivatives of this documentation.

The Bill & Melinda Gates Foundation believes that an economy that includes everyone, benefits everyone. In support of this goal, we asked leading mobile wallet technology providers Ericsson, Huawei, Mahindra-Comviva and Telepin to work together to create a set of APIs for interoperability within the digital financial services infrastructure. Together with consultants from Interledger and Modusbox, the group worked to produce the APIs documented below.

The underlying charitable goal for the API is to spur innovation and access to digital products and services that serve the financially underserved with a focus on interoperability, and strengthening and accelerating the availability of solutions that reflect the design principles of L1P as documented on www.leveloneproject.org. The contributors commit to making the relevant background technology which is provided to the API project necessary to implement the API in furtherance of the charitable goals available on a royalty-free basis.

Attribution-NoDerivatives 4.0 International (CC BY-ND 4.0) (opens new window)

# You are free to:

Share — copy and redistribute the material in any medium or format for any purpose, even commercially. The licensor cannot revoke these freedoms as long as you follow the license terms.

Under the following terms:

Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.

NoDerivatives — If you remix, transform, or build upon the material, you may not distribute the modified material.

No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.

# Notices:

You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation. No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.