Real-time Fund Transfer

Move funds between supported accounts, currencies, and markets in real time to keep liquidity available where your business needs it. Real-time Fund Transfer supports same-currency, cross-currency, cross-entity (L2L), and cross-market transfers.

Key Benefits

  • Speed: RTP-supported currencies settle instantly; same-day settlement for most others.
  • Flexibility: Transfer between same or different currencies, entities, and markets.
  • Transparency: Full audit trail with status tracking via webhooks.

Transfer Types

How it Works

The transfer flow follows these steps:
  1. Query source balance — Call Query Account Balance
    API
     to confirm sufficient funds in the source account.
  2. Verify routing feasibility, preview costs, and obtain a quote ID to lock in the exchange rate (if needed) — Call Consult a Payout
    API
     to pre-validate a payout and retrieve a fee and exchange rate estimate before initiating the actual transfer.
  3. Initiate transfer — Call Create a Payout
    API
     with source, target, amount, and optional FX quote.
  4. Monitor status — Subscribe to
    Payouts
    webhooks for async status updates.

Settlement Times by Currency

Settlement speed depends on whether the currency supports Real-Time Payments (RTP):
Note: Amount thresholds apply. Some corridors have different settlement times for amounts exceeding USD 200,000 equivalent. See the Supported regions and currencies page for details.

API Reference

Integration Notes

  1. Always check the source balance first using Query Account Balance
    API
     before initiating a transfer.
  2. Pre-validate a transfer and retrieve a fee and exchange rate estimate before initiating the actual transfer via Consult a Payout
    API
    . This step is to verify routing feasibility, preview costs, and obtain a quote ID to lock the exchange rate for a subsequent Create a Payout call.
  3. L2L transfers require parent account authorisation. The parent account initiates all cross-entity transfers.
  4. Settlement speed varies by currency and channel. Refer to the RTP currency table for expected delivery times.

Webhooks