Transfer

❗️

Transfer V1 API will no longer be maintained and will be shut down on April 1, 2026.

All integrators must migrate to Transfer V2 API to continue processing transactions on OwlPay Harbor.

After 2026-04-01, all requests sent to any v1 Transfer endpoint will no longer be processed.

Harbor supports three types of transfer operations to accommodate your needs:

Transfer API (v1)

❗️

Transfer V1 API will no longer be maintained and will be shut down on April 1, 2026.

All integrators must migrate to Transfer V2 API to continue processing transactions on OwlPay Harbor.

After 2026-04-01, all requests sent to any v1 Transfer endpoint will no longer be processed.

🚧

The Transfer v1 API only supports USDC/USD & USD/USDC & USDC/USDC and Quote API & JSON Schema.

• Fiat to Stablecoin
  Harbor will generate fiat deposit information for the customer. Once the customer deposits the corresponding fiat asset, the equivalent cryptocurrency (stablecoin) will be transferred to the blockchain address provided in the API.
• Stablecoin to Fiat
  Harbor will generate stablecoin deposit information for the customer. Once the customer deposits the corresponding stablecoin asset, the equivalent fiat currency will be transferred to the bank account provided in the API.
• Stablecoin to Stablecoin
  Harbor enables cross-chain stablecoin conversions on the blockchain. For example, if a customer wishes to pay you on Ethereum, the Transfer API supports converting the equivalent asset to Polygon for settlement.

Transfer API (v2)

📘

The Transfer v2 API supports USDC/local currencies & USD/USDC & USDC/USDC and Quote API & JSON Schema.

• Get Quote
  Use Get Quote to request a real-time quote for a transaction.
  A quote defines the core parameters of the transfer, including source currency, destination country and currency, payment method, supported amount limits, estimated fees, and exchange rates.

  Once a quote is successfully created, the API returns a id.
  This id acts as a temporary reference that must be used to retrieve the requirement fields and to initiate the transaction while the quote remains valid.

• Retrieve requirements ​​via Quote ID (JSON Schema)
  Use Retrieve requirements via Quote ID to fetch the data requirements associated with a specific quote_id.
  The response is returned as a JSON Schema (Draft 2020-12), dynamically generated based on the quote parameters such as destination country, currency, payment method, and use case.

• Initiate a transaction
  Use Initiate a transaction to create and submit a transaction based on a previously generated quote.id.
  You must provide all required fields as defined in the corresponding JSON Schema requirements, such as recipient details, payout instruments, and compliance-related information.

Once the transaction is initiated, the system processes it according to the route and conditions locked by the quote and returns a transaction id along with the initial transaction status.

After creation, you can track the transaction lifecycle using status query APIs or webhooks.

• On-ramp (Fiat to Stablecoin)
• Off-ramp (Stablecoin to Fiat)
• On-chain (Stablecoin to Stablecoin)
• Purpose of Transfer
  In Transfer v1 API, we did not restrict the value that could be entered in the transfer_purpose field, but in v2 Transfer, you can only enter a fixed value. Please refer to our documentation.

Status

When a Transfer is sent, the state changes may be as follows (For a detailed explanation of each status, please refer to Status :