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Transfers

A Transfer is the single primitive for moving money between a wallet and a bank account, or between two wallets. The rail is inferred from the source/destination instruments: wallet→wallet is internal and instant; wallet→bank is a push (payout/cash-out); bank→wallet is a pull (wallet funding). bank→bank is not supported.

📄️ Create a transfer

<p>Moves money in one of three shapes, inferred from the endpoints:</p><ul><li><b>Fund a wallet</b> — source = bank-account payment method, destination = wallet account (pull; settles asynchronously).</li><li><b>Pay an account</b> — source = your wallet account, destination = another wallet account (internal; instant & final for a fiat currency). When the currency is a crypto code (e.g. <code>BASE-USDC</code>) this same shape moves a crypto wallet balance between accounts instead — e.g. player ↔ casino USDC transfers — and settles asynchronously over the crypto rail rather than posting instantly.</li><li><b>Cash out</b> — source = wallet account, destination = bank-account payment method (push; settles asynchronously). A crypto-currency source cashes out to a bank (USDC → USD).</li></ul><p>You must control the source account. Sending to a bank (cash-out/payout) requires the source account to be KYX-verified. <code>bank→bank</code> is rejected.</p>