> ## Documentation Index
> Fetch the complete documentation index at: https://docs.microcrop.app/llms.txt
> Use this file to discover all available pages before exploring further.

# API reference

> The MicroCrop partner REST API.

The MicroCrop API is REST over HTTPS with JSON request and response bodies.

* **Base URL:** `https://app.microcrop.app/api`
* **Auth:** `x-api-key: <your organization API key>` — see [Authentication](/authentication)
* **Envelopes & errors:** [Errors](/guides/errors)
* **Rate limits:** [Rate limits](/guides/rate-limits)

All responses are wrapped in `{ "success": true, "data": … }` (or a paginated
variant), and errors in `{ "success": false, "error": { code, message } }`.

The endpoint pages in this section are generated from our OpenAPI specification and
include a request playground. Set your `x-api-key` to try calls against your own
organization.

<Note>
  `POST /policies/purchase` returns `403` until your organization is KYB-verified and holds
  a current regulator licence, and `400` until MicroCrop has recorded underwriting capacity
  for it. See [Requirements](/requirements).
</Note>

<Warning>
  Settlement endpoints are gated on the **policy's** frozen `settlementMode`, not on your
  organization. On a `DETERMINATION` (Tier 1) policy, `POST /payments/initiate` and
  `POST /payouts/{payoutId}/retry` return `403 TIER_NOT_ENTITLED`; conversely
  `POST /determinations/{id}/settlement-report` returns `403 NOT_PARTNER_SETTLED` on a Tier
  2 policy. See [Service tiers](/guides/service-tiers).
</Warning>