Transfers with Local Currency (Beta)
This feature is currently in beta
If you’re an existing user and would like to become a pilot partner, please contact our support team. Contact us
OwlPay Harbor now supports cross-border transfers to multiple regions worldwide, allowing developers and businesses to easily convert USDC into local currencies and send funds directly to recipients’ bank accounts.
Supported Countries & Currencies
OwlPay Harbor currently supports transfers to the following regions and local currencies:
- 🇲🇽 Mexico – MXN
- 🇧🇷 Brazil – BRL
- 🇳🇬 Nigeria – NGN
- 🇨🇳 China – CNY
- 🇭🇰 Hong Kong – HKD
- 🇨🇴 Colombia - COP
- 🇮🇳 India - INR
Upcoming supported currencies
- 🇪🇺 European Union – EUR (2026Q1)
- 🇪🇺 European Union – USD (2026Q1)
- 🇦🇪 United Arab Emirates - AED (2026Q1)
- 🇵🇭 Republic of the Philippines - PHP (2026Q1)
- 🇲🇽 Mexico - USD (2026Q1)
- 🇨🇴 Colombia - USD (2026Q1)
- 🇰🇷 Korea - USD (2026Q1)
- 🇹🇼 Taiwan - USD (2026Q1)
- 🇨🇳 China - USD (2026Q1)
- 🇯🇵 Japan - USD (2026Q1)
- 🇳🇬 Nigeria - USD (2026Q1)
- 🇭🇰 Hong Kong - USD (2026Q1)
- 🇧🇷 Brazil - USD (2026Q1)
-
API Flow Overview
The OwlPay Harbor Transfer API uses a two-step process to ensure real-time FX rates and secure fund settlement.
Step 1: Get a Quote
First, call the Quote API to obtain an exchange rate and conversion preview:
Source Amount & Destination Amount
We support quotes by source amount and by destination amount. You can quote how much the recipient receives or how much the sender needs to pay.
Request Example (Source amount):
curl --location --request POST 'https://harbor-sandbox.owlpay.com/api/v1/transfers/quotes' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-API-KEY: {{API_KEY}}' \
--header 'Idempotency-Key: {{Idempotency-Key}}' \
--data-raw '{
"source": {
"chain": "ethereum",
"country": "US",
"asset": "USDC",
"amount": "10000.00"
},
"destination": {
"country": "MX",
"asset": "MXN"
},
"commission": {
"percentage": "1.00",
"amount": 0
}
}'Request Example (Destination amount):
curl --location --request POST 'https://harbor-sandbox.owlpay.com/api/v1/transfers/quotes' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'X-API-KEY: {{API_KEY}}' \
--header 'Idempotency-Key: {{Idempotency-Key}}' \
--data '{
"source": {
"chain": "ethereum",
"country": "US",
"asset": "USDC",
"type": "individual"
},
"destination": {
"country": "MX",
"asset": "MXN",
"type": "individual",
"amount": 100000
},
"commission": {
"percentage": "1.00",
"amount": 0
}
}'
Response with Source amount:
{
"data": [
{
"id": "quote_OfwS3Cg9kktEhaYmzW5wsvFMJfIs9aougW19mYYr",
"payment_method": "SPEI",
"chain": "ethereum",
"source_country": "US",
"destination_country": "MX",
"source_amount": 1000,
"source_currency": "USDC",
"destination_amount": "17941.720000",
"destination_currency": "MXN",
"exchange_rate": "17.941720",
"exchange_pair": "USDC/MXN",
"fiat_settlement_time_min": 0,
"fiat_settlement_time_max": 5,
"fiat_settlement_time_unit": "MINUTES",
"source_type": "individual",
"destination_type": "individual",
"quote_expire_date": "2025-12-22T18:06:16+00:00",
"crypto_funds_settlement_expire_date": "2025-12-22T19:05:46+00:00",
"fees": [
{
"type": "HARBOR_FEE",
"amount": "51.00000000",
"currency": "USDC",
"charge_from": "OwlPay Harbor",
"payer": "OwlPay Payment"
},
{
"type": "COMMISSION_FEE",
"amount": "10.00000000",
"currency": "USDC",
"charge_from": "OwlPay Payment",
"payer": "customer"
}
],
"created_at": "2025-12-22T18:05:46+00:00",
"updated_at": "2025-12-22T18:05:46+00:00"
}
]
}Step 2: Get Requirements with Quote (quote_id)
Request Example (with quote_id)
curl --location --request GET 'https://harbor-sandbox.owlpay.com/api/v1/transfers/quotes/{{quote_id}}/requirements' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-API-KEY: {{API_KEY}}'Response:
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"type": "object",
"additionalProperties": false,
"required": [
"quote_id",
"destination",
"on_behalf_of",
"application_transfer_uuid"
],
"properties": {
"on_behalf_of": {
"type": "string"
},
"quote_id": {
"type": "string"
},
"application_transfer_uuid": {
"type": "string"
},
"destination": {
"type": "object",
"additionalProperties": false,
"required": [
"beneficiary_info",
"payout_instrument"
],
"properties": {
"beneficiary_info": {
"type": "object",
"additionalProperties": false,
"properties": {
"beneficiary_name": {
"type": "string",
"title": "Recipient Full Name",
"maxLength": 140
},
"beneficiary_address": {
"type": "object",
"additionalProperties": false,
"properties": {
"street": {
"type": "string",
"maxLength": 200
},
"city": {
"type": "string",
"maxLength": 80
},
"state_province": {
"type": "string",
"maxLength": 80
},
"postal_code": {
"type": "string",
"maxLength": 20
},
"country": {
"type": "string",
"minLength": 2,
"maxLength": 2
}
},
"required": [
"street",
"city",
"country"
]
},
"beneficiary_dob": {
"type": "string",
"title": "Recipient Date of Birth"
},
"beneficiary_id_doc_number": {
"type": "string",
"title": "Recipient ID Number",
"maxLength": 80
}
},
"required": [
"beneficiary_dob",
"beneficiary_name",
"beneficiary_id_doc_number",
"beneficiary_address"
]
},
"payout_instrument": {
"type": "object",
"additionalProperties": false,
"properties": {
"mx_rfc": {
"type": "string",
"title": "RFC",
"pattern": "^[A-Z&Ñ]{3,4}\\d{6}[A-Z0-9]{3}$"
},
"mx_clabe": {
"type": "string",
"title": "CLABE",
"pattern": "^\\d{18}$"
},
"mx_debit_card_number": {
"type": "string",
"title": "Debit Card Number",
"pattern": "^\\d{16}$"
},
"phone_number": {
"type": "string",
"title": "Phone Number (E.164)",
"pattern": "^\\+[1-9]\\d{1,14}$"
}
},
"required": [
"mx_clabe"
]
},
"transfer_purpose": {
"type": "string"
},
"is_self_transfer": {
"type": "boolean"
},
"beneficiary_receiving_wallet_type": {
"type": "string"
},
"beneficiary_institution_name": {
"type": "string"
}
}
}
},
"title": "MX_SPEI",
"$comment": "{\"bank_title\":\"MX_SPEI\",\"mapping_version\":1}"
}This API responses are defined and validated according to JSON Schema Draft 2020-12.
Each response payload strictly follows a predefined schema, including (but not limited to):
- Data types (type)
- Required fields (required)
- Field formats and length constraints (pattern, minLength, maxLength)
- Conditional structures (oneOf, anyOf, allOf)
- Nested objects and arrays (properties, items)
Step 3: Create v2 Transfer API with Quote (quote_id) and Requirements
Request Example (with quote_id)
curl --location --request POST 'https://harbor-sandbox.owlpay.com/api/v2/transfers' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-API-KEY: {{API_KEY}}' \
--header 'Idempotency-Key: {{Idempotency-Key}}' \
--data-raw '{
"on_behalf_of": "{{YOUR_CUSTOMER_UUID}}",
"quote_id": "{{QUOTE_ID}}",
"application_transfer_uuid": "{{APPLICATION_TRANSFER_UUID}}",
"destination": {
"beneficiary_info": {
"beneficiary_name": "CHAN TAI MAN",
"beneficiary_address": {
"street": "Flat 12A, 8/F, Prosperity Building, 123 Nathan Road",
"city": "Hong Kong",
"state_province": "not applicable",
"postal_code": "00000",
"country": "HK"
},
"beneficiary_id_doc_number": "1234567890",
"beneficiary_dob": "2000-01-01"
},
"payout_instrument": {
"mx_clabe": "032180000118359719"
},
"transfer_purpose": "SALARY",
"is_self_transfer": false,
"beneficiary_receiving_wallet_type": "personalWallet",
"beneficiary_institution_name": "MetaMask"
}
}'Updated 1 day ago