Send Money

post

https://api.centiiv.com/api/v1/wallet/transfer/single

Disburse funds from a wallet to a bank account (fiat) or another wallet (web3). Pass sourceAccount to choose the wallet, or just currency to pay from your active wallet in that currency with the highest balance. Authenticated via public key + HMAC signature, not the bearer API key used elsewhere.

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Body Params

trackingId

string

An optional client-provided tracking ID for idempotency and lookup.

sourceAccount

string

ID of the wallet to send money from. Optional if currency is given instead.

currency

string

enum

Currency to send from when sourceAccount is omitted. The transfer is paid from your active wallet in this currency with the highest balance. If both are given, it must match the source wallet's currency.

amount

number

required

≥ 1

Amount to send, in the smallest currency unit (e.g., kobo for NGN). 100 NGN should be represented as 10000.

description

string

required

A short description or narration for the transaction.

recipientWalletAddress

string

The recipient's wallet address, for web3 transfers. Must be on the same network as the source account.

recipientAccountName

string

The recipient's bank account name, for fiat transfers.

recipientBankName

string

The recipient's bank name, for fiat transfers.

paymentMethod

string

enum

The payment rail to use for fiat transfers.

recipientRoutingNumber

string

The recipient bank's routing number (used instead of bankCode on some rails).

recipientAccountNumber

string

The recipient's bank account number, for fiat transfers.

recipientBankCode

string

The recipient bank's NIBBS/BIC/SWIFT code.

recipientIban

string

The recipient's IBAN, for fiat transfers that use one.

destinationCurrency

string

The currency the recipient should receive, if different from the source wallet's currency.

recipientData

object

Extra data required by some payment rails to prepare/verify the recipient.

Headers

X-Api-Signature

string

required

Hex HMAC-SHA256 of ${timestamp}.${rawRequestBody}, signed with your secret key.

X-Api-Timestamp

string

required

Unix timestamp (ms) the request was signed at.

X-Api-Public-Key

string

required

Your disbursement public key (see POST wallet/transfer/credentials).

Responses

201Transaction request created

400The request made by the API lacked the necessary authentication keys.

401The operation couldn't be carried out because the token was either invalid or expired. Try signing in again.

404Wallet not found

502