# Core API (Host-to-Host)

## Overview

**Core API (Host-to-Host)** lets you trigger disbursements directly from your system via API.

Use it to send money to users, partners, or suppliers without using a manual portal.

## What you need before you start

* A Finpay Disbursement account and active credentials.
* A configured destination list for your use case. See [Supported Disbursement Destination](/disbursement/supported-disbursement-destination.md).
* Sufficient balance in your disbursement account (top-up model).

## Getting started

{% stepper %}
{% step %}

### Set up your account

Sign up and complete the required activation steps so you can start disbursing.
{% endstep %}

{% step %}

### Test in your environment

Use the API to test disbursement flows end-to-end. Validate status updates and reconciliation in your system.
{% endstep %}

{% step %}

### Top up your disbursement balance

Disbursement uses a **top-up balance** model.

You maintain funds in your Finpay balance. Finpay holds the funds securely until you instruct a payout.

Top up via bank transfer based on your agreed settlement instructions.
{% endstep %}

{% step %}

### Start disbursing

Once your balance is available, create transfers via API. Track results using transfer statuses.
{% endstep %}
{% endstepper %}

{% hint style="info" %}
If you need a no-code option, use the **No Integration** flow under Disbursement Integration Method.
{% endhint %}


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