Fund transfer API — ACH, Wire, SEPA, SWIFT, PIX, SPEI, and crypto across multiple chains.

Transfers

Transfers move funds between accounts, wallets, and external bank accounts. Supports multiple payment rails including ACH, Wire, SEPA, SWIFT, PIX, and SPEI across fiat and crypto.

Create a Transfer

POST /v0/transfers

ACH to Crypto (Onramp)

{
  "amount": "1000.00",
  "on_behalf_of": "cus_xyz789",
  "source": { "payment_rail": "ach_push", "currency": "usd" },
  "destination": {
    "payment_rail": "ethereum",
    "currency": "usdc",
    "to_address": "0x71C7656EC7ab88b098defB751B7401B5f6d8976F"
  }
}

Crypto to Wire (Offramp)

{
  "amount": "50000.00",
  "on_behalf_of": "cus_xyz789",
  "source": {
    "payment_rail": "polygon",
    "currency": "usdc",
    "from_address": "0x71C7656EC7ab88b098defB751B7401B5f6d8976F"
  },
  "destination": {
    "payment_rail": "wire",
    "currency": "usd",
    "external_account_id": "ext_abc123"
  }
}

SWIFT International

{
  "amount": "100000.00",
  "on_behalf_of": "cus_xyz789",
  "source": { "payment_rail": "polygon", "currency": "usdc", "from_address": "0x..." },
  "destination": {
    "payment_rail": "swift",
    "currency": "usd",
    "external_account_id": "ext_intl123",
    "swift_charges": "sha"
  }
}

SEPA (EUR), PIX (BRL), SPEI (MXN)

All regional rails follow the same pattern — specify the payment_rail and currency:

{ "source": { "payment_rail": "sepa", "currency": "eur" } }
{ "source": { "payment_rail": "pix", "currency": "brl" } }
{ "source": { "payment_rail": "spei", "currency": "mxn" } }

Transfer State Lifecycle

awaiting_funds → funds_received → in_review → payment_submitted → payment_processed
                                            ↘ canceled
                                            ↘ undeliverable → returned / refunded

Payment Rails

Fiat Rails

Rail	Currencies	Description
`ach` / `ach_push` / `ach_same_day`	USD	ACH (standard / push / same-day)
`wire`	USD	Domestic wire transfer
`swift`	USD	International wire (SWIFT)
`sepa`	EUR	SEPA transfer (EU)
`faster_payments`	GBP	UK Faster Payments
`pix`	BRL	Brazil instant payments
`spei`	MXN	Mexico interbank transfer

Crypto Rails

Rail	Assets	Description
`ethereum`	USDC, USDT, DAI, PYUSD	Ethereum mainnet
`polygon`	USDC, USDT	Polygon PoS
`arbitrum`	USDC, USDT	Arbitrum One
`optimism`	USDC, USDT	Optimism
`base`	USDC, USDT	Base
`solana`	USDC, USDT	Solana
`stellar`	USDC	Stellar network
`tron`	USDT	Tron network

Receipt Object

{
  "receipt": {
    "initial_amount": "1000.00",
    "developer_fee": "5.00",
    "exchange_fee": "2.50",
    "subtotal_amount": "992.50",
    "gas_fee": "0.50",
    "final_amount": "992.00",
    "source_tx_hash": "0xabc123...",
    "exchange_rate": "0.91"
  }
}

SDK Example

const transfer = await lux.transfers.create({
  amount: '1000.00',
  on_behalf_of: 'cus_xyz789',
  developer_fee: '5.00',
  source: {
    payment_rail: 'ethereum',
    currency: 'usdc',
    from_address: '0x71C7656EC7ab88b098defB751B7401B5f6d8976F',
  },
  destination: {
    payment_rail: 'ach',
    currency: 'usd',
    external_account_id: 'ext_abc123',
  },
}, {
  idempotencyKey: 'unique-key-123',
});

Transfers

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