> ## Documentation Index
> Fetch the complete documentation index at: https://apidocs.bridge.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# COP integration guide

> On and offramp with COP using Bre-b and Bank Transfer PSE/ACH

<Tip>
  To access COP and the Bre-b and Bank Transfer payment rails, please reach out to our team at [sales@bridge.xyz](mailto:sales@bridge.xyz)
</Tip>

## 🇨🇴 What we support

* [Virtual Accounts](https://apidocs.bridge.xyz/platform/orchestration/virtual_accounts/virtual-account#cop) - Deposit COP via Bre-B and receive payments from 3rd party businesses.
* [Transfers](https://apidocs.bridge.xyz/platform/orchestration/transfers/transfer#create-transfer) - Onramp COP via Bre-B and Bank Transfer (PSE/ACH) as a 1st party or from 3rd party businesses, offramp to any recipient.
* [Liquidation Addresses](https://apidocs.bridge.xyz/platform/orchestration/liquidation_address/liquidation_address#multichain-%2B-multicurrency) - Offramps from stablecoin or crypto to COP via Bre-B and Bank Transfer.
* [Supported Countries](https://apidocs.bridge.xyz/platform/customers/compliance/supported-countries-list) - We support COP on/offramps for customers in +100 countries.

## Related APIs

* [COP Endorsement](https://apidocs.bridge.xyz/platform/customers/customers/endorsements#cop-endorsement) required to use the COP currency. If a customer already has the base endorsement, they should also have all of the info needed to grant the COP endorsement.
* [COP Virtual Account](https://apidocs.bridge.xyz/platform/orchestration/virtual_accounts/virtual-account#cop) to onramp funds using a Bre-b key.
* Create a [COP External Account](https://apidocs.bridge.xyz/platform/orchestration/external-accounts/external-accounts-api#cop-breb) to use as a [Transfer](https://apidocs.bridge.xyz/platform/orchestration/transfers/transfer#create-transfer)  or [Liquidation Address](https://apidocs.bridge.xyz/platform/orchestration/liquidation_address/liquidation_address#multichain-%2B-multicurrency)  offramp destination.

## Logistics

* **Onramp minimum 100 COP**
* **Offramp minimum 4000 COP**
* No maximum
  * Bre-B transactions greater than 11,552,000 COP will be sent as a Bank Transfer.
* 1st and 3rd party payouts supported.
* 1st party payins supported, 3rd party payins supported from businesses.
* COP Bre-b and Bank Transfers (PSE/ACH) complete in \~3 minutes however may take up to 30 minutes for larger values.

## **Request / Response Examples**

<Tabs>
  <Tab title="External Account (Bre-B)">
    ```bash Request expandable theme={null}
    curl --request POST \
      --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/external_accounts \
      --header 'Api-Key: #{api_key}' \
      --header 'Content-Type: application/json' \
      --header 'Idempotency-Key: #{request.idempotency_key}' \
      --data '
    {
      "currency": "cop",
      "account_type": "bre_b",
      "account_owner_name": "First Last",
      "account_owner_type": "individual",
      "account": {
        "bre_b_key": "1234567890123456"
      }
    }'
    ```

    ```json Response expandable theme={null}
    {
      "id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
      "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
      "created_at": "2026-01-05T23:54:57.715Z",
      "updated_at": "2026-01-05T23:54:58.201Z",
      "account_owner_name": "Freddie Mercury",
      "active": true,
      "currency": "cop",
      "account_owner_type": "individual",
      "account_type": "bre_b",
      "account": {
        "bre_b_key": "1234567890123456"
      }
    ```
  </Tab>

  <Tab title="External Account (Bank Transfers)">
    ```bash Request expandable theme={null}
    curl --request POST \
      --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/external_accounts \
      --header 'Api-Key: #{api_key}' \
      --header 'Content-Type: application/json' \
      --header 'Idempotency-Key: #{request.idempotency_key}' \
      --data '
    {
      "currency": "cop",
      "account_type": "co_bank_transfer",
      "account_owner_name": "First Last",
      "first_name": "First Name",
      "last_name": "Last Name",
      "account_owner_type": "individual",
      "account": {
          "document_type": "cc",
    	  "account_number": "12345678910
          "document_number": "1234567890",
          "bank_code": "1007",
          "account_type_detail": "savings",
          "phone_number": "+573001234567"
      }
    }'
    ```

    ```json Response expandable theme={null}
    {
      "id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
      "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
      "created_at": "2026-01-05T23:54:57.715Z",
      "updated_at": "2026-01-05T23:54:58.201Z",
      "account_owner_name": "First Last",
      "first_name": "First Name",
      "last_name": "Last Name",
      "active": true,
      "currency": "cop",
      "account_owner_type": "individual",
      "account_type": "co_bank_transfer",
      "account": {
          "document_type": "cc",
          "document_number": "1234567890",
          "bank_code": "1007",
          "account_type_detail": "savings",
          "phone_number": "+573001234567"
      }
    ```
  </Tab>

  <Tab title="Virtual Account (Bre-B)">
    ```bash Request expandable theme={null}
    curl --request POST \
      --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/virtual_accounts \
      --header 'Api-Key: #{api_key}' \
      --header 'Content-Type: application/json' \
      --header 'Idempotency-Key: #{request.idempotency_key}' \
      --data '
    {
      "developer_fee_percent": "0.0",
      "source": {
        "currency": "cop"
      },
      "destination": {
        "currency": "usdc",
        "payment_rail": "base",
        "address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
      }
    }'
    ```

    ```curl Response theme={null}
    {
      "id": "65e93b85-ccf7-4c0b-a327-0cf80749e360",
      "status": "activated",
      "developer_fee_percent": "0.0",
      "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
      "created_at": "2026-01-03T00:23:23.724Z",
      "source_deposit_instructions": {
        "currency": "cop",
        "payment_rails": [
          "bre_b"
        ]
        "bre_b_key": "12345678901234567890",
        "account_holder_name": "Bridge Developer Name"
      },
      "destination": {
        "currency": "usdc",
        "payment_rail": "base",
        "address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
      }
    }'
    ```
  </Tab>

  <Tab title="Transfer Onramp (Bre-B)">
    ```bash Request expandable theme={null}
    curl --request POST \
      --url https://api.bridge.xyz/v0/transfers \
      --header 'Api-Key: #{api_key}' \
      --header 'Content-Type: application/json' \
      --header 'Idempotency-Key: #{request.idempotency_key}' \
      --data '
    {
      "developer_fee_percent": "0.0",
      "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
      "amount": "20000",
      "source": {
        "currency": "cop",
        "payment_rail": "bre_b"
      },
      "destination": {
        "payment_rail": "base",
        "currency": "usdc",
        "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
      }
    }'
    ```

    ```json Response expandable theme={null}
    {
      "id": "6ccbd781-8859-4944-8d88-66d8a0ff277b",
      "client_reference_id": null,
      "state": "awaiting_funds",
      "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
      "currency": "cop",
      "amount": "20000",
      "developer_fee": "0.0",
      "source": {
        "payment_rail": "bre_b",
        "currency": "cop",
      },
      "created_at": "2026-01-05T19:38:43.480Z",
      "updated_at": "2026-01-05T19:38:43.780Z",
      "destination": {
        "payment_rail": "base",
        "currency": "usdc",
        "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
      },
      "receipt": {
        "initial_amount": "20000",
        "developer_fee": "0.0",
        "exchange_fee": "0.0",
        "subtotal_amount": "20000",
        "gas_fee": "0.0"
      },
      "developer_fee_percent": "0.0",
      "source_deposit_instructions": {
        "payment_rail": "bre_b",
        "currency": "cop",
        "amount": "20000",
        "deposit_message": "COP7depositmessage",
        "bre_b_key": "34567890",
        "account_holder_name": "Bridge Developer Name"
      }
    }
    ```
  </Tab>

  <Tab title="Transfer Offramp (Bre-B)">
    ```bash Request expandable theme={null}
    curl --request POST \
      --url https://api.bridge.xyz/v0/transfers \
      --header 'Api-Key: #{api_key}' \
      --header 'Content-Type: application/json' \
      --header 'Idempotency-Key: #{request.idempotency_key}' \
      --data '
    {
      "developer_fee_percent": "0.0",
      "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
      "source": {
        "amount": "100",
        "currency": "usdc",
        "payment_rail": "bridge_wallet",
        "bridge_wallet_id": "bridge_wallet_id"
      },
      "destination": {
        "currency": "cop",
        "payment_rail": "bre_b",
        "external_account_id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1"
        "reference": "xxxxxxxxxxxx" // maximum 18 characters 
      }
    }'
    ```

    ```json Response expandable highlight={33-34} theme={null}
    {
      "id": "e94b1961-cf77-44db-a66f-07981f03fb1f",
      "client_reference_id": null,
      "state": "payment_submitted",
      "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
      "currency": "usdc",
      "amount": "100",
      "developer_fee": "0.0",
      "source": {
        "payment_rail": "bridge_wallet",
        "currency": "usdc",
        "amount": "100",
        "from_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c",
        "bridge_wallet_id": "d017bf1d-8372-4294-94ac-afd0cbc6357d"
      },
      "created_at": "2026-01-06T17:29:22.796Z",
      "updated_at": "2026-01-06T17:29:22.874Z",
      "destination": {
        "payment_rail": "bre_b",
        "currency": "cop",
        "amount": "370000",
        "external_account_id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1"
      },
      "receipt": {
        "initial_amount": "100",
        "developer_fee": "0.0",
        "exchange_fee": "0.0",
        "subtotal_amount": "100",
        "gas_fee": "0.0",
        "final_amount": "370000",

      },
      "created_at": "2020-01-01T00:00:00.000Z",
      "updated_at": "2020-01-02T00:00:00.000Z"
    }
    ```
  </Tab>

  <Tab title="Transfer Onramp (CO Bank Transfer)">
    ```bash Request expandable theme={null}
    curl --request POST \
      --url https://api.bridge.xyz/v0/transfers \
      --header 'Api-Key: #{api_key}' \
      --header 'Content-Type: application/json' \
      --header 'Idempotency-Key: #{request.idempotency_key}' \
      --data '
    {
      "developer_fee_percent": "0.0",
      "on_behalf_of": "#{request.customer_id}",
      "amount": "20000",
      "source": {
        "currency": "cop",
        "payment_rail": "co_bank_transfer",
    	"co_bank_transfer": {
             "redirect_url": "https://example.com/pse/pay/abc123",
             "expiry_date": "2026-05-01T00:30:00.000Z",
             "sender_data":{
                		"full_name": "María López",
                		"document_type": "cc",
                		"document_number": "***7890",
                		"email": "maria@example.com",
                		"phone_number": "+573001234567"
             }
        }
      },
      "destination": {
        "payment_rail": "base",
        "currency": "usdc",
        "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
      }
    }
    ```

    ```json Response expandable highlight={33-34} theme={null}
    {
      "id": "00000000-0000-0000-0000-000000000006",
      "state": "awaiting_funds",
      "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
      "amount": "20000",
      "developer_fee": "0.0",
      "source": {
        "payment_rail": "co_bank_transfer",
        "currency": "cop",
        "co_bank_transfer": {
          "sender_data": {
            "full_name": "María López",
            "document_type": "cc",
            "document_number": "xxxxxxxx",
            "email": "maria@example.com",
            "phone_number": "+573xxxxxxxxxx"
          }
        }
      },
      "destination": {
        "payment_rail": "base",
        "currency": "usdc",
        "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
      },
      "source_deposit_instructions": {
        "payment_rail": "co_bank_transfer",
        "amount": "20000",
        "currency": "cop",
        "start_url": "https://example.com/pse/pay/abc123",
    	"redirect_url": "https://example.com/pse/pay/abc123",
        "expires_at": "2026-05-01T00:30:00.000Z",
        "account_holder_name": "Bridge Developer Name"
      },
      "created_at": "2020-01-01T00:00:00.000Z",
      "updated_at": "2020-01-02T00:00:00.000Z"
    }
    ```
  </Tab>

  <Tab title="Transfer Offramp (CO Bank Transfer)">
    ```bash Request expandable theme={null}
    curl --request POST \
      --url https://api.bridge.xyz/v0/transfers \
      --header 'Api-Key: #{api_key}' \
      --header 'Content-Type: application/json' \
      --header 'Idempotency-Key: #{request.idempotency_key}' \
      --data '
    {
      "developer_fee_percent": "0.0",
      "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
      "source": {
        "amount": "100",
        "currency": "usdc",
        "payment_rail": "bridge_wallet",
        "bridge_wallet_id": "d017bf1d-8372-4294-94ac-afd0cbc6357d"
      },
      "destination": {
        "currency": "cop",
        "payment_rail": "co_bank_trasnfer",
        "external_account_id": "external_account_id"
        "reference": "xxxxxxxxxx" // maximum 18 characters 
      }
    }'
    ```

    ```json Response expandable highlight={33-34} theme={null}
    {
      "id": "e94b1961-cf77-44db-a66f-07981f03fb1f",
      "client_reference_id": null,
      "state": "payment_submitted",
      "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
      "currency": "usdc",
      "amount": "100",
      "developer_fee": "0.0",
      "source": {
        "payment_rail": "bridge_wallet",
        "currency": "usdc",
        "amount": "100",
        "from_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c",
        "bridge_wallet_id": "d017bf1d-8372-4294-94ac-afd0cbc6357d"
      },
      "created_at": "2026-01-06T17:29:22.796Z",
      "updated_at": "2026-01-06T17:29:22.874Z",
      "destination": {
        "payment_rail": "co_bank_transfer",
        "currency": "cop",
        "amount": "370000",
        "external_account_id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
        "reference": "xxxxxxxxxx" 
      },
      "receipt": {
        "initial_amount": "100",
        "developer_fee": "0.0",
        "exchange_fee": "0.0",
        "subtotal_amount": "100",
        "gas_fee": "0.0",
        "final_amount": "370000",

      },
      "created_at": "2020-01-01T00:00:00.000Z",
      "updated_at": "2020-01-02T00:00:00.000Z"
    }
    ```
  </Tab>
</Tabs>