# A+ API > Middleware API for banks to authenticate via API key and obtain transaction payloads for their own wallets to sign. The API formulates payloads for mint, burn, and transfer; banks hold their own keys and sign and submit transactions from their end. ## Docs - [Burn USDA+](https://docs.aplusprotocol.com/api-reference/transaction-operations/burn-usda+.md): Creates a burn transaction payload for the bank's wallet. The API does not call the smart contract or sign the transaction; the bank signs and submits it from their end. Implies that a fiat transfer is made to the holder equivalent to the amount burned/redeemed. - [Mint USDA+](https://docs.aplusprotocol.com/api-reference/transaction-operations/mint-usda+.md): Creates a mint transaction payload for the bank's wallet. The API does not call the smart contract or sign the transaction; the bank signs and submits it from their end. Implies a sufficient balance of reserves and that the corresponding user has sufficient funds. The caller is responsible for subtr… - [Transfer USDA+](https://docs.aplusprotocol.com/api-reference/transaction-operations/transfer-usda+.md): Creates a transfer transaction payload for the bank's wallet. The API does not call the smart contract or sign the transaction; the bank signs and submits it from their end (on-chain transfer uses the contract's transferFrom function). - [Introduction](https://docs.aplusprotocol.com/index.md): Middleware API that lets banks authenticate via API key and obtain transaction payloads for their own wallets; banks sign and submit transactions from their end. ## OpenAPI Specs - [openapi](https://docs.aplusprotocol.com/openapi.yaml)