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A transfer (trf_*) moves money within your own account: between your Wallets, or between a wallet and a linked External account.

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Three kinds

  • Deposits pull funds from a linked bank account into a wallet.
  • Withdrawals push funds from a wallet back out to a linked bank account.
  • Internal transfers move funds between two of your own wallets.

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Settlement

Deposits and withdrawals run over ACH and settle asynchronously. Internal transfers land instantly.

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Moving money for customers

Transfers always move money within your own account. To move money for a customer, an authorized agent sends or requests payments on their behalf instead. See Move money for a customer.