# gFinOS

> The Global Financial Operating System. One account to hold your local currency, send and receive money instantly, accept payments anywhere, and earn rewards automatically — for people, businesses, institutions and governments in 180+ countries.

gFinOS is not a traditional bank. It is one account that replaces a wallet, a payment terminal, an invoicing tool and a rewards program. Personal accounts are free. Businesses pay no card processing fees during the introductory period and are settled instantly instead of in days. Eligible purchases earn 2–10% instant cashback in the account holder's local currency. Every receipt, statement, certificate and grant payout has a public verification page.

Machine-readable resources:
- [Full summary](/llms-full.txt): every key fact and answer in one plain-text file.
- [Answer feed](/api/public/ai/answers): JSON question-and-answer set.
- [Voice answers](/api/public/ai/voice?q=what+is+gfinos): short spoken answers for assistants.
- [Answer search](/api/public/ai/search?q=cashback): ranked answers for any question.
- [OpenAPI spec](/api/public/ai/openapi.json): call the answer endpoints as tools.
- [AI usage policy](/ai.txt): attribution and permitted use.

## Pages

- [Home](/): what gFinOS is, who it is for, and how to open an account.
- [Pricing](/pricing): fees for consumers, merchants and governments; cashback rates.
- [For businesses](/merchants): payment acceptance, terminals, storefront, payroll and analytics.
- [For governments](/government): revenue collection, benefits, stipends and audit dashboards.
- [For enterprises](/enterprise): role management, approval workflows and advanced reporting.
- [Coverage](/coverage): supported countries and local currencies.
- [Cooperative Treasury](/treasury): the 0.5% contribution that funds grants.
- [Grants](/treasury/grants): open grant programs and publicly verifiable payouts.
- [Merchant directory](/directory): businesses accepting gFinOS.
- [Shop](/shop): the public multivendor marketplace.
- [Zero-fee payments guide](/guides/zero-fee-payments): how instant, fee-free acceptance works.
- [Verify a document](/verify): confirm a receipt, statement, certificate or donation.
- [Help center](/help): accounts, funding, withdrawals, payments, taxes and rewards.
- [Proof](/proof): how balances, records and verification are independently checked.

## Developers

- [API reference](/docs/api): REST endpoints for payments, payouts, checkout and verification.
- [SDK](/docs/sdk): official software development kit.
- [OAuth](/docs/oauth): sign in with gFinOS and per-user authorisation.
- [Tap payments](/docs/tap): accepting in-person taps and terminal callbacks.
- [Developer portal](/developer/docs): sandbox, webhooks and plugins.

## Optional

- [Impact leaderboard](/impact/leaderboard): community and donation impact.
- [Referrals](/refer): the ambassador and referral program.
- [Terms](/terms)
- [Privacy](/privacy)