Transfer

Overview

Transfers move funds between two accounts owned by the same customer. They are same-asset — the same value is debited from the source account and credited to the target account, with no FX conversion. The system generates a 1:1 quote internally and returns it on the response; you do not need to create a quote first. To move between assets, execute a swap and then transfer.

Prerequisites

Two active accounts owned by the same customer, both with the requested asset enabled. The source must hold sufficient balance.
Valid authentication credentials.

Steps

Create the transfer

Reference the source account, the target account, and the amount to move. Source and target must differ; the target account must be in ACTIVE status with the requested asset enabled.

curl --request POST \
  --url https://api.sandbox.tracefinance.com/v1/operations/transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'X-Idempotency-Key: <unique-key>' \
  --header 'Content-Type: application/json' \
  --data '{
    "sourceAccountId": "<source-account-id>",
    "targetAccountId": "<target-account-id>",
    "amount": {
      "value": "500.00",
      "asset": "BRL"
    }
  }'

Returns 201 immediately with the operation in REQUESTED status. Settlement happens asynchronously.

Track the transfer

Subscribe to OPERATION_COMPLETED and OPERATION_FAILED to receive the terminal outcome — both deliver the same payload as OPERATION_REQUESTED, with currentState.status set to the new status (and currentState.reason populated on failure). The intermediate PROCESSING status is not published as a webhook; poll GET /v1/operations/{operationId} if you need to surface it in your UI.

curl --request GET \
  --url https://api.sandbox.tracefinance.com/v1/operations/<operation-id> \
  --header 'Authorization: Bearer <token>'

Cross-customer transfers are not supported — both accounts must belong to the same customer. If the target account belongs to another customer, the API returns 404 RESOURCE_NOT_FOUND.

What happens next

Execute a swap — convert between assets within a single account.
Make a withdrawal — send funds out to an external beneficiary.

Swap

⌘I

Getting started

Compliance Requirements

API principles

Webhooks

Journeys

Overview

Prerequisites

Steps

What happens next

​Overview

​Prerequisites

​Steps

​What happens next

Overview

Prerequisites

Steps

What happens next