Transfer (v2)

Overview (v2 Transfer)

The v2 Transfer API enables transfers where the sender funds the transfer in one currency (e.g., USDC) and the recipient receives the payout in a local fiat currency (e.g., BRL, MXN, HKD), depending on the available corridor and payment method.

If you would like to link an existing bank account in order to fund a transfer ( ACH PULL) please refer to Linking a Bank Account.

To initiate a v2 transfer, whether on-ramping or off-ramping, you must first request a quote via the Quote API:

1. Call Quote API to obtain:

   • The exchange rate (pricing) and any applicable fees
   • A quote_id that represents the locked pricing context (subject to the quote validity window)

2. Use the returned quote_id to:

   • Create a v2 transfer request
   • Retrieve the required JSON Schema (Draft 2020-12) for the transfer payload, so your integration can validate the request structure and required fields before submission

This quote-first flow ensures that:

• FX pricing is explicit and consistent for both parties
• Transfer requests are validated against the correct corridor-specific requirements
• Regulatory / payout-instrument requirements are applied accurately based on route configuration

Typical Flow

1. Create Quote → receive quote_id
2. Get Requirements Schema (by quote_id) → receive JSON Schema (Draft 2020-12)
3. Create Transfer (v2) using quote_id + payload validated by the schema