Live Coverage

Live coverage is the set of routes that are enabled for your application: which countries and currencies you can use, between which sender and recipient types, and within which amount limits.

The other pages in this section show general coverage. Your live coverage can be different, because it depends on your application's configuration and on the sender and recipient types (individual or business).

Use these endpoints to get your live coverage:

Direction	Endpoint
On-ramp	`GET /api/v2/transfers/deposit_settings`
Off-ramp	`GET /api/v2/transfers/withdrawal_settings`

When to Use Them

Before you create a transfer, to check that the route is supported
To check the amount the user enters against the min/max limits
To build country and currency options in your UI

Response Fields

Both endpoints return a data array. Each item is one route, with these fields:

Field	Type	Description
`source_currency`	String	The currency the sender pays (e.g., USD, USDC).
`destination_country`	String	Destination country ISO code (e.g., US, MX).
`destination_currency`	String	The currency the recipient gets (e.g., USDC, MXN).
`source_type`	String	Sender type: `individual` or `business`.
`destination_type`	String	Recipient type: `individual` or `business`.
`source_amount`	Object	Limits in the source currency (contains `currency`, `min`, `max`).
`destination_amount`	Object	Limits in the destination currency (contains `currency`, `min`, `max`).

Deposit Settings (On-Ramp)

Returns the on-ramp routes (fiat to stablecoin) enabled for your application.

By default, each on-ramp transfer must be within:

Sender type	Per-transaction range
`individual`	USD 50 – 9,999
`business`	USD 50 – 300,000

Request Example

curl --location 'https://harbor-sandbox.owlpay.com/api/v2/transfers/deposit_settings' \
--header 'x-api-key: {{YOUR_API_KEY}}'

Response Example (Simplified)

{
    "data": [
        {
            "source_currency": "USD",
            "destination_country": "US",
            "destination_currency": "USDC",
            "source_type": "individual",
            "destination_type": "individual",
            "source_amount": {
                "currency": "USD",
                "min": 50,
                "max": 9999
            },
            "destination_amount": {
                "currency": "USDC",
                "min": 50,
                "max": 9999
            }
        },
        {
            "source_currency": "USD",
            "destination_country": "US",
            "destination_currency": "USDC",
            "source_type": "business",
            "destination_type": "business",
            "source_amount": {
                "currency": "USD",
                "min": 50,
                "max": 300000
            },
            "destination_amount": {
                "currency": "USDC",
                "min": 50,
                "max": 300000
            }
        },
        {...}
    ]
}

Withdrawal Settings (Off-Ramp)

Returns the off-ramp routes (stablecoin to fiat) enabled for your application. Off-ramp ranges depend on the destination country and currency.

Request Example

curl --location 'https://harbor-sandbox.owlpay.com/api/v2/transfers/withdrawal_settings' \
--header 'x-api-key: {{YOUR_API_KEY}}'

Response Example (Simplified)

{
    "data": [
        {
            "source_currency": "USDC",
            "destination_country": "US",
            "destination_currency": "USD",
            "source_type": "business",
            "destination_type": "business",
            "source_amount": {
                "currency": "USDC",
                "min": 50,
                "max": 300000
            },
            "destination_amount": {
                "currency": "USD",
                "min": 50,
                "max": 300000
            }
        },
        {
            "source_currency": "USDC",
            "destination_country": "MX",
            "destination_currency": "MXN",
            "source_type": "individual",
            "destination_type": "individual",
            "source_amount": {
                "currency": "USDC",
                "min": 30.12,
                "max": 9998
            },
            "destination_amount": {
                "currency": "MXN",
                "min": 544.95,
                "max": 180889.81
            }
        },
        {...}
    ]
}

Request Headers

Both endpoints use the same header:

Header	Type	Required	Description
`x-api-key`	String	Yes	Your unique Harbor API access key.