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Build on the core.

Move money by API — quote a transfer, create it, read it to settled. Open endpoints, read balances, all under one bearer key. The surface is small, typed, and idempotent by header.

12 operations · one bearer key · base /v1

Money moves in one call.

tr_3Vd7Q · the through-line
Request
POST/v1/transfers
Authorization: Bearer ak_live_7Q4…
Idempotency-Key: 5f3c-tr-3Vd7Q
{
  "sourceAccountRef": "acc_8xK2",
  "sourceEndpointRef": "ep_7Q4",
  "sourceHoldingRef": "hld_USD",
  "destination": {
    "kind": "internal-endpoint",
    "accountRef": "acc_2Kp9",
    "endpointRef": "ep_2Kp"
  },
  "valueUnit": { "kind": "fiat", "currency": "USD" },
  "amountMinorUnits": "240000",
  "feeInstruction": {
    "kind": "request_application_fee",
    "bearer": "sender_pays",
    "amountMinorUnits": "600"
  }
}
Response201 Created
{
  "transferRef": "tr_3Vd7Q",
  "stage": "reservation_pending",
  "revision": 1,
  "amountMinorUnits": "240000",
  "valueUnit": { "kind": "fiat", "currency": "USD" },
  "requestedBy": "key_7Q4"
}
Move money

$2,400.00 in · app fee $6.00 · reserved on creation · settled on finality

specimen tr_3Vd7Qfollow it: how it splits

Your first transfer

Five steps, key to settled.

  1. 01
    AuthenticateGET/v1/environment

    Your key carries its environment and its capabilities. One header, Authorization: Bearer ak_…

  2. 02
    FundPOST/v1/sandbox/inbound-credits

    Sandbox only. Simulate money arriving, so there is a settled balance to move.

  3. 03
    QuotePOST/v1/transfers/quote

    See the fee before you commit. The quote names every line and the net that settles.

  4. 04
    TransferPOST/v1/transfers

    Accept the quote and move. An Idempotency-Key makes the call safe to retry.

  5. 05
    ConfirmGET/v1/transfers/{transferRef}/status

    Reserved first, settled on finality from the rail. Poll the status to a terminal state.

The whole surface

Every operation, on one page.

POST/v1/transfers/quoteQuote a transfer: every fee, up front.
POST/v1/transfersCreate a transfer.idempotent
GET/v1/transfers/{transferRef}/statusRead a transfer's status.
POST/v1/programmable-endpointsOpen a programmable endpoint.idempotent
GET/v1/programmable-endpointsList endpoints.
GET/v1/programmable-endpoints/{endpointRef}Read one endpoint and its posture.
POST/v1/programmable-endpoints/{endpointRef}/lifecycleSuspend or resume an endpoint.idempotent
POST/v1/receiving-endpointsOpen a receiving endpoint.idempotent
GET/v1/receiving-endpoints/currentRead the current receiving endpoint.
GET/v1/balances/currentRead a balance: settled, available, reserved.
GET/v1/environmentRead environment status.
POST/v1/sandbox/inbound-creditsSimulate money arriving (sandbox only).idempotent

Bearer key · capability-scoped · writes carry an Idempotency-Key · amounts in minor units

Keys are minted in the console,
under your team’s audit.

Early access opens Q3 2026.