Create transfer (executes a quote)

curl --request POST \
  --url https://platform.swipelux.com/v3/transfers \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc"
}
'

{
  "data": {
    "id": "tr_6dV8xN2pQ4rT7mA9sL1kBc",
    "origin": "quoted",
    "quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc",
    "customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
    "capabilityId": "ach_pooled",
    "openTaskIds": [],
    "institutionId": "jpmorgan",
    "externalId": "your-transfer-ref-123",
    "method": "ach",
    "direction": "fiat_to_stablecoin",
    "state": "awaiting_funds",
    "stateDetail": null,
    "amounts": {
      "in": {
        "amount": "150.00",
        "currency": "USD"
      },
      "out": {
        "amount": "145.00",
        "currency": "USDC",
        "network": "base"
      }
    },
    "fees": [
      {
        "beneficiary": "developer",
        "amount": "0.88",
        "currency": "USDC",
        "rule": {
          "fixed": "0.50",
          "bips": 25
        }
      },
      {
        "beneficiary": "service",
        "amount": "4.12",
        "currency": "USDC"
      }
    ],
    "source": {
      "type": "external"
    },
    "destination": {
      "type": "account",
      "id": "acc_3eG7xN2pQ4rT8mA1sL6dVc"
    },
    "references": {
      "returnedTransferId": null
    },
    "memo": "Invoice 118",
    "instructions": {
      "type": "bank",
      "method": "ach",
      "amount": {
        "amount": "150.00",
        "currency": "USD"
      },
      "accountHolderName": "Swipelux FBO Customer",
      "bankName": "JPMorgan Chase",
      "details": {
        "routingNumber": "021000021",
        "accountNumber": "123456789",
        "accountType": "checking"
      },
      "reference": {
        "value": "SWX-7F3P",
        "required": true
      }
    },
    "timestamps": {
      "createdAt": "2026-06-25T12:01:00.000Z",
      "updatedAt": "2026-06-25T12:01:00.000Z",
      "fundsReceivedAt": null,
      "completedAt": null,
      "failedAt": null,
      "returnedAt": null,
      "settledAt": null
    }
  }
}

curl --request POST \
  --url https://platform.swipelux.com/v3/transfers \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc"
}
'

{
  "data": {
    "id": "tr_6dV8xN2pQ4rT7mA9sL1kBc",
    "origin": "quoted",
    "quoteId": "quo_6dV8xN2pQ4rT7mA9sL1kBc",
    "customerId": "cus_7F3pL2nQ9xA5mW8kR1sT4v",
    "capabilityId": "ach_pooled",
    "openTaskIds": [],
    "institutionId": "jpmorgan",
    "externalId": "your-transfer-ref-123",
    "method": "ach",
    "direction": "fiat_to_stablecoin",
    "state": "awaiting_funds",
    "stateDetail": null,
    "amounts": {
      "in": {
        "amount": "150.00",
        "currency": "USD"
      },
      "out": {
        "amount": "145.00",
        "currency": "USDC",
        "network": "base"
      }
    },
    "fees": [
      {
        "beneficiary": "developer",
        "amount": "0.88",
        "currency": "USDC",
        "rule": {
          "fixed": "0.50",
          "bips": 25
        }
      },
      {
        "beneficiary": "service",
        "amount": "4.12",
        "currency": "USDC"
      }
    ],
    "source": {
      "type": "external"
    },
    "destination": {
      "type": "account",
      "id": "acc_3eG7xN2pQ4rT8mA1sL6dVc"
    },
    "references": {
      "returnedTransferId": null
    },
    "memo": "Invoice 118",
    "instructions": {
      "type": "bank",
      "method": "ach",
      "amount": {
        "amount": "150.00",
        "currency": "USD"
      },
      "accountHolderName": "Swipelux FBO Customer",
      "bankName": "JPMorgan Chase",
      "details": {
        "routingNumber": "021000021",
        "accountNumber": "123456789",
        "accountType": "checking"
      },
      "reference": {
        "value": "SWX-7F3P",
        "required": true
      }
    },
    "timestamps": {
      "createdAt": "2026-06-25T12:01:00.000Z",
      "updatedAt": "2026-06-25T12:01:00.000Z",
      "fundsReceivedAt": null,
      "completedAt": null,
      "failedAt": null,
      "returnedAt": null,
      "settledAt": null
    }
  }
}

Authorizations

X-API-Key

string

header

required

Your Swipelux API key. Obtain this from the Swipelux Dashboard.

Headers

Idempotency-Key

string

required

Required for effectful v3 requests (POST, PATCH, PUT, DELETE). Reuse the same key with the same body to replay the cached response.

Required string length: 1 - 255

Body

application/json

quoteId

string

required

Pattern: ^quo_[a-zA-Z0-9]+$

Example:

"quo_6dV8xN2pQ4rT7mA9sL1kBc"

externalId

string

Merchant-supplied correlation reference echoed on reads and filterable on GET /v3/transfers. Not required to be unique; independent of the quote's externalId.

Required string length: 1 - 255

Example:

"your-transfer-ref-123"

memo

string

Free-text memo stored on the transfer resource.

Required string length: 1 - 140

Example:

"Invoice 118"

supportingDocuments

string[]

Up to 10 document ids previously uploaded for this customer and linked to the transfer.

Maximum array length: 10

Pattern: ^doc_[a-zA-Z0-9]+$

Example:

["doc_4rT7mA9sL1kBc6dV8xN2pQ"]

Response

Transfer created

data

object

required

Show child attributes

Overview

Endpoints

Create transfer (executes a quote)

Authorizations

Headers

Body

Response