> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tracefinance.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Transfer

> Step-by-step guide to moving funds between two accounts of the same customer.

## 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](/journeys/swap) and then transfer.

## Prerequisites

* Two [active accounts](/journeys/open-account) owned by the same customer, both with the requested asset enabled. The source must hold sufficient balance.
* Valid [authentication credentials](/guides/authentication).

## Steps

<Steps>
  <Step title="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.

    ```bash theme={"theme":"tokyo-night"}
    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.
  </Step>

  <Step title="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.

    ```bash theme={"theme":"tokyo-night"}
    curl --request GET \
      --url https://api.sandbox.tracefinance.com/v1/operations/<operation-id> \
      --header 'Authorization: Bearer <token>'
    ```
  </Step>
</Steps>

<Warning>
  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`.
</Warning>

## What happens next

* [Execute a swap](/journeys/swap) — convert between assets within a single account.
* [Make a withdrawal](/journeys/withdrawal) — send funds out to an external beneficiary.