> ## Documentation Index > Fetch the complete documentation index at: https://docs.ledger.so/llms.txt > Use this file to discover all available pages before exploring further. # Create a transfer > Initiates a transfer to move funds to a destination address via a specified payment rail. ## OpenAPI ````yaml /openapi.json post /v1/transfers openapi: 3.1.0 info: title: Ledger API version: 1.0.0 description: >- The Ledger API lets you issue virtual accounts and crypto wallets to your users and businesses. Build fintech products on top of Ledger's infrastructure. All endpoints return a consistent envelope: `{ ok: true, data: ... }` on success and `{ ok: false, error: { code, message } }` on failure. ## Base URL ``` https://api.ledger.so ``` ## Authentication Pass your API key via `Authorization: Bearer ` or the `X-API-Key` header. Keys follow the format `ld___` where `` is `test` or `live`. ## Pagination List endpoints accept `limit` (default 50, max 200) and `cursor` query parameters. Responses include `nextCursor` when more pages are available. ## Idempotency POST endpoints accept an `Idempotency-Key` header. Reusing a key for a different route or method returns `409 Conflict`. contact: name: Ledger Support url: https://ledger.so email: support@ledger.so license: name: Proprietary servers: - url: https://api.ledger.so description: Production security: - BearerAuth: [] - ApiKeyAuth: [] tags: - name: Health description: API health check - name: Customers description: Manage customers (individuals or businesses) on your platform - name: Crypto Wallets description: Create and manage custodial crypto wallets - name: Virtual Accounts description: Create and manage fiat virtual accounts with deposit instructions - name: Counterparties description: Manage customer-owned external accounts for receiving payouts - name: Transactions description: View transaction history across wallets and accounts - name: Rates description: Get current exchange rates - name: Transfers description: Move funds between currencies and payment rails - name: Webhooks description: Configure webhook endpoints to receive real-time event notifications - name: Reference description: Lookup tables for occupation and industry codes paths: /v1/transfers: post: tags: - Transfers summary: Create a transfer description: >- Initiates a transfer to move funds to a destination address via a specified payment rail. operationId: createTransfer requestBody: required: true content: application/json: schema: type: object required: - customerId - walletId - amount - destinationCurrency - destinationPaymentRail - destinationAddress properties: customerId: type: string description: Ledger customer ID (cus_...) walletId: type: string description: >- Wallet to transfer from (wal_...). Can be a crypto wallet or a virtual account wallet. amount: oneOf: - type: string - type: number description: Transfer amount destinationCurrency: type: string description: Destination currency code (e.g. "usdc", "gbp", "eur") destinationPaymentRail: type: string description: >- Payment rail (crypto: "solana", "ethereum", etc. | fiat: "ach", "wire", "sepa", "faster_payments", "spei", "pix") destinationAddress: type: string description: >- Onchain address for crypto transfers, or payout account ID (pa_...) for fiat transfers reference: type: string description: >- Payment reference sent to the recipient's bank. Max 10 chars for ACH, 140 for wire/SEPA. clientReferenceId: type: string description: >- Your own reference ID for idempotency or tracking (not sent to recipient) responses: '200': description: Transfer created content: application/json: schema: $ref: '#/components/schemas/TransactionEnvelope' '400': $ref: '#/components/responses/InvalidRequest' '401': $ref: '#/components/responses/Unauthorized' '409': $ref: '#/components/responses/Conflict' '429': $ref: '#/components/responses/RateLimited' '500': $ref: '#/components/responses/InternalError' components: schemas: TransactionEnvelope: type: object required: - ok - data properties: ok: type: boolean enum: - true data: $ref: '#/components/schemas/Transaction' Transaction: type: object required: - id - customerId - type - status - amount - sourceCurrency - destinationCurrency - createdAt - updatedAt description: >- Response fields vary by transfer type. Crypto transfers include destinationAddress, destinationTxHash, and gasFee. Fiat transfers include payoutAccountId instead. properties: id: type: string customerId: type: string type: type: string status: type: string amount: type: string description: Amount as a decimal string sourceCurrency: type: string destinationCurrency: type: string destinationAddress: type: - string - 'null' description: Onchain recipient address (crypto transfers only) payoutAccountId: type: - string - 'null' description: Payout account receiving funds (fiat transfers only) finalAmount: type: - string - 'null' description: Final amount received after fees and conversion destinationTxHash: type: - string - 'null' description: On-chain transaction hash (crypto transfers only) gasFee: type: - string - 'null' description: Gas fee (crypto transfers only) exchangeFee: type: - string - 'null' description: Fee charged for currency conversion createdAt: type: string format: date-time updatedAt: type: string format: date-time Error: type: object required: - ok - error properties: ok: type: boolean enum: - false error: type: object required: - code - message properties: code: type: string enum: - UNAUTHORIZED - INVALID_REQUEST - NOT_FOUND - CONFLICT - RATE_LIMITED - INTERNAL_ERROR message: type: string responses: InvalidRequest: description: Request validation failed content: application/json: schema: $ref: '#/components/schemas/Error' example: ok: false error: code: INVALID_REQUEST message: Validation failed Unauthorized: description: Missing or invalid API key content: application/json: schema: $ref: '#/components/schemas/Error' example: ok: false error: code: UNAUTHORIZED message: Invalid API key Conflict: description: Conflict (e.g. duplicate idempotency key) content: application/json: schema: $ref: '#/components/schemas/Error' example: ok: false error: code: CONFLICT message: Resource already exists RateLimited: description: Rate limit exceeded content: application/json: schema: $ref: '#/components/schemas/Error' example: ok: false error: code: RATE_LIMITED message: Too many requests InternalError: description: Internal server error content: application/json: schema: $ref: '#/components/schemas/Error' example: ok: false error: code: INTERNAL_ERROR message: An unexpected error occurred securitySchemes: BearerAuth: type: http scheme: bearer description: 'Pass your API key as a Bearer token: `Authorization: Bearer ld_live_...`' ApiKeyAuth: type: apiKey in: header name: X-API-Key description: Pass your API key via the `X-API-Key` header ````