Create a Transfer V2

POST

transactions

transfer-payout

curl --request POST \
  --url https://sandbox.api.fin.com/v2/transactions/transfer-payout \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "beneficiary_id": "e710eb60-f1cd-4e70-94df-6b99a7fcf58d",
  "reference_id": "REF-12345-ABC",
  "source_amount": 850,
  "source_currency": "USD",
  "deduct_from": "PREFUNDED_BALANCE",
  "remarks": "Monthly payment for services",
  "attachments": [
    {
      "remark": "Here is the INVOICE",
      "uri": "/wNXjOoqF_testdoc6.jpg"
    }
  ]
}
'

{
  "data": {
    "transfer_id": "c78dee10-7c46-4ad5-8ac8-070e39d87ff1",
    "reference_id": "REF-12345-ABC",
    "deposit_instruction": {
      "liquidation_address": "0x203061afd3f3dd5f5756cec992d1d247f7668384",
      "currency": "USDC",
      "rail": "POLYGON"
    },
    "quotation": {
      "currency": "BDT",
      "to_amount": 77350,
      "developer_fee": 50
    },
    "created_at": "2026-01-01T07:35:53Z",
    "expire_at": "2026-01-01T07:45:53Z"
  }
}

{
  "message": "Authentication failed"
}

{
  "message": "<string>",
  "errors": [
    {}
  ]
}

Any fiat transactions submitted between 9:30 AM and 5:30 PM ET on a weekday are processed the same day. Transactions submitted outside these hours or on weekends will be settled the next business day.

This endpoint can only be used with beneficiaries created with auto_settlement set to false.

What changed from V1

V1	V2
`amount`	Replaced by `source_amount` and `destination_amount`. Send exactly one.
Not available	`source_currency`, either `USD` or `USDC`.
Not available	`deduct_from`, either `PREFUNDED_BALANCE` or `LIQUIDATION_ADDRESS`.

V2 lets you fix either end of the transfer. Send source_amount to debit a known amount and let the beneficiary receive whatever it converts to, or send destination_amount to guarantee what the beneficiary receives and let the debit float. Sending both is rejected. deduct_from decides where the money comes from. Only PREFUNDED_BALANCE transfers are eligible for refunds if they fail. The response is unchanged from V1.

V1 remains available at POST /v1/transactions/transfer-payout. Transfers created on V2 must be settled with Settle a Transfer V2.

Authorizations

Authorization

string

header

required

Bearer token authentication. Obtain token from Issue a Token endpoint

Body

application/json

beneficiary_id

string<uuid>

required

Example:

"e710eb60-f1cd-4e70-94df-6b99a7fcf58d"

reference_id

string

required

Your own identifier for this transfer.

Example:

"REF-12345-ABC"

source_currency

enum<string>

required

Currency the funds are debited in.

Available options:

USD,

USDC

Example:

"USD"

deduct_from

enum<string>

required

Where the funds are drawn from. Only PREFUNDED_BALANCE transfers are eligible for refunds if they fail.

Available options:

PREFUNDED_BALANCE,

LIQUIDATION_ADDRESS

Example:

"PREFUNDED_BALANCE"

remarks

string

required

Example:

"Monthly payment for services"

source_amount

integer

Amount to debit, in cents (e.g. 850 = $8.50). Minimum 500 cents. Send this or destination_amount, never both.

Required range: x >= 500

Example:

850

destination_amount

integer

Amount the beneficiary receives, in cents of the beneficiary's currency. Send this or source_amount, never both.

Example:

77350

attachments

object[]

Minimum array length: 1

Show child attributes

Response

Transfer created successfully

data

object

Show child attributes

⌘I

curl --request POST \
  --url https://sandbox.api.fin.com/v2/transactions/transfer-payout \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "beneficiary_id": "e710eb60-f1cd-4e70-94df-6b99a7fcf58d",
  "reference_id": "REF-12345-ABC",
  "source_amount": 850,
  "source_currency": "USD",
  "deduct_from": "PREFUNDED_BALANCE",
  "remarks": "Monthly payment for services",
  "attachments": [
    {
      "remark": "Here is the INVOICE",
      "uri": "/wNXjOoqF_testdoc6.jpg"
    }
  ]
}
'

{
  "data": {
    "transfer_id": "c78dee10-7c46-4ad5-8ac8-070e39d87ff1",
    "reference_id": "REF-12345-ABC",
    "deposit_instruction": {
      "liquidation_address": "0x203061afd3f3dd5f5756cec992d1d247f7668384",
      "currency": "USDC",
      "rail": "POLYGON"
    },
    "quotation": {
      "currency": "BDT",
      "to_amount": 77350,
      "developer_fee": 50
    },
    "created_at": "2026-01-01T07:35:53Z",
    "expire_at": "2026-01-01T07:45:53Z"
  }
}

{
  "message": "Authentication failed"
}

{
  "message": "<string>",
  "errors": [
    {}
  ]
}

Authentication

Customers

Beneficiaries

Virtual Accounts

Transactions

Balances

Fees & FX Rates

Catalogue

Crypto Orchestration

Webhooks

Create a Transfer V2

What changed from V1

Authorizations

Body

Response

​What changed from V1

Authorizations

Body

Response

What changed from V1