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

# Introduction

Ground is cash management infrastructure for stablecoins. One API connects balances to
yield that institutions already use to hold value, and handles allocation, rebalancing,
withdrawals, and reporting on top of it.

## Who it is for

Fintechs, neobanks and exchanges putting customer balances to work; payment companies
holding float; and treasuries earning on their own reserves. Two integration guides walk
the common shapes end to end — a
[treasury portfolio](/docs/portfolio-wallets/integration-guides/treasury-portfolio-wallet)
and a
[neobank or exchange customer portfolio](/docs/portfolio-wallets/integration-guides/neobank-customer-portfolio-wallet).

## What you can hold

Four categories currently, all reached through the same endpoints. **Tokenized funds** cover
tokenized treasury and money-market exposure such as Invesco Short Duration US Government
Securities and Janus Henderson Anemoy Treasury. **Structured credit** covers the Janus
Henderson Anemoy AAA CLO fund alongside Figure PRIME and AUTO.
**Institutional credit** is available through Maple, and **onchain lending** through
curated vaults on Aave, Morpho and Kamino.

Stocks and fixed income products are coming soon.

The catalog is live and is updated often with new products. [Yield sources](/docs/portfolio-wallets/yield-sources)
describes yield sources, rate semantics, NAV freshness and liquidity terms.
`GET /v2/public/yield-sources` returns the public catalog; sources available to your
organization may differ.

## What comes with the API

* **Risk.** The Ground Risk Engine takes absolute or velocity-based rules on APY,
  liquidity and utilization, and what should happen when one triggers. Portfolio Wallets
  and MicroVaults carry it; gTokens do not.
* **Reporting.** Yield and activity accounting are generated for you and readable from
  both the dashboard and the API —
  [accounting activity](/api-reference/list-accounting-activity),
  [yield period summaries](/api-reference/get-accounting-yield-period-summary) and
  [computed yield](/api-reference/compute-yield). Each is scoped by `walletId`, so
  figures resolve to an individual end user and not only to the organization total.
* **Custody.** Every implementation is non-custodial. Signing keys stay with your
  organization or your users; Ground never holds them.
  [Security](/docs/security/custody-model) covers the signing model, wallet types per
  chain and the independent review.
* **Chains.** Ground handles routing and bridging across
  [supported chains](/docs/portfolio-wallets/supported-chains), so you do not need to
  move assets off the chain you are already on.

## Choose an implementation

Ground exposes the same yield sources through three implementations. The right one depends
on your stack.

| Implementation | Who holds the balance | Best for |
| - | - | - |
| [Portfolio Wallets](/docs/portfolio-wallets/introduction) | Your organization, in provisioned wallets | Building an earn product from nothing. |
| [MicroVaults](/docs/microvaults/introduction) | Multiple approved wallets, as ERC-20 shares | Building an earn feature into an existing wallet product. |
| [gTokens](/docs/gtokens/introduction) | Your users, in their own wallets | Getting easy, one-click access to our RWA yield products. |

<Note>
  MicroVaults are in private preview for enabled sandbox organizations on Ethereum Sepolia.
  Production and Ethereum mainnet are not yet supported.
</Note>

## Reach the API

[Sign up for the Ground Dashboard](https://portal.groundtech.co/signup) to create an
organization and issue an API key. Self-serve production access supports up to two
Portfolio Wallets and \$100 in cumulative withdrawals.
[Contact Ground](https://www.groundtech.co/contact) for full production access.

| Environment | Base URL |
| - | - |
| Sandbox | `https://sandbox.groundtech.co` |
| Production | `https://production.groundtech.co` |

```bash theme={"theme":{"light":"github-light","dark":"github-dark"}}
export GROUND_API_KEY="<your-api-key>"

curl "https://sandbox.groundtech.co/v2/wallets" \
  -H "Authorization: Bearer $GROUND_API_KEY"
```

Build against sandbox, then swap the base URL. The endpoint structure is identical, but
sandbox uses explicit testnet chain keys such as `ethereum_sepolia` and may expose a
smaller yield-source catalog than production.

[API Conventions](/docs/portfolio-wallets/api-conventions) covers authentication,
pagination, idempotency, rate limits, and error handling.

## API reference

Each implementation has a separate API reference tab. Endpoints are grouped by resource
and can be called against sandbox with your own key when your organization has access.

<CardGroup cols={3}>
  <Card title="Portfolio Wallet API" icon="wallet" href="/api-reference/list-portfolio-wallet-yield-sources">
    Wallets, deposits, withdrawals, approvals, accounting, and webhooks.
  </Card>

  <Card title="MicroVault API" icon="layer-group" href="/api-reference/list-microvaults">
    Vaults, strategies, fees, shareholders, redemptions, and performance.
  </Card>

  <Card title="gToken API" icon="coins" href="/api-reference/list-gtoken-yield-sources">
    Yield sources, direct access allowlists, fee wrappers, and webhooks.
  </Card>
</CardGroup>

## Start building

Use [Agentic Installation](/docs/agentic-installation) to choose a product by balance ownership and signer, then validate a full sandbox round trip with your coding agent.

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/docs/portfolio-wallets/quickstart">
    Create a sandbox wallet, fund it, and track a withdrawal.
  </Card>

  <Card title="Yield sources" icon="chart-line" href="/docs/portfolio-wallets/yield-sources">
    The catalog behind every implementation, and how to build a strategy from it.
  </Card>
</CardGroup>

## Operating in production

* [Supported chains](/docs/portfolio-wallets/supported-chains) — where deposits and payouts settle.
* [Webhooks](/docs/portfolio-wallets/webhooks) and [polling](/docs/portfolio-wallets/polling) — how to follow state you do not control synchronously.
* [Custody model](/docs/security/custody-model) — who can move funds, and what Ground can and cannot do.
* [Changelog](/docs/changelog) — API and documentation changes.


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