Travel Rule

❗️
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.

When you initiate an On-Ramp transfer (Fiat → Stablecoin) with a value exceeding USD 3,000, you are required to provide additional Travel Rule information in the destination object.

Field	Description	Allowed values	Required
`residential_country_code`	ISO 3166-1 alpha-2 code of the beneficiary’s residential country		Yes
`residential_state`	State/Province/Region of the beneficiary’s residence		Yes
`residential_city`	City of the beneficiary’s residence		Yes
_`residential_address_1`	Primary street address of the beneficiary_		Yes
`residential_address_2`	Secondary address details (e.g., apartment, suite, unit)		No
`residential_postal_code`	Postal/ZIP code of the beneficiary’s residence		Yes
`beneficiary_type`	Type of beneficiary	individual, company	Yes
`beneficiary_dob`	Date of birth of the beneficiary (YYYY-MM-DD)		No
`beneficiary_id_doc_type`	Type of identification document	when beneficiary_type: individual: ID_CARD, PASSPORT, DRIVERS, PAYMENT_SOURCE, BANK_CARD, OTHER when beneficiary_type: company : COMPANY_DOC, TRANSPARENCY_REGISTRY_EXTRACT, POWER_OF_ATTORNEY	No
`beneficiary_id_doc_country_code`	Country code where the identification document was issued		No
`beneficiary_id_doc_number`	Identification document number		No
`beneficiary_receiving_wallet_type`	Receiving wallet type	personalWallet, thirdPartyCustodian, other	Yes
`beneficiary_institution_name`	Name of the wallet provider or institution (e.g., `MetaMask`)		Yes

Case 1: Transfer to third-party recipients

when is_self_transfer = false

curl --location --request POST 'https://harbor-sandbox.owlpay.com/api/v1/transfer' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-API-KEY: {{API_KEY}}' \
--header 'Idempotency-Key: {{Idempotency-Key}}' \
--data-raw '{
    ...,
    "destination": {
        ...,
        "is_self_transfer": false,
        "residential_country_code": "US",
        "residential_state": "DE",
        "residential_city": "Wilmington",
        "residential_address_1": "100 Market Street",
        "residential_address_2": "Suite 200",
        "residential_postal_code": "62704",
        "beneficiary_type": "individual",
        "beneficiary_dob": "1990-01-01",
        "beneficiary_id_doc_type": "PASSPORT",
        "beneficiary_id_doc_country_code": "US",
        "beneficiary_id_doc_number": "123456789",
        "beneficiary_receiving_wallet_type": "personalWallet",
        "beneficiary_institution_name": "MetaMask"
    }
}'

Case 2: Transfer to self

when is_self_transfer = true

curl --location --request POST 'https://harbor-sandbox.owlpay.com/api/v1/transfer' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-API-KEY: {{API_KEY}}' \
--header 'Idempotency-Key: {{Idempotency-Key}}' \
--data-raw '{
    ...,
    "destination": {
        ...,
        "is_self_transfer": true,
        "beneficiary_receiving_wallet_type": "personalWallet",
        "beneficiary_institution_name": "MetaMask"
    }
}'