Creating a Transfer
RequestFetching the exchange rate
The Exchange Rates API provides a reference exchange rate for the requested currency pair including any Bridge fees taken out of the FX exchange. The response provides the rates in both directions for that currency pair. Request- Midmarket rate: the reference exchange rate before any Bridge FX fees. Bridge uses this rate to calculate the effective rates below which include fees.
- Sell rate: how much MXN output received for each 1 USD of input including fees (from → to)
- Buy rate: how much MXN input required for each 1 USD of output including fees (to → from)
Fixing the Source Amount
By default, Bridge will calculate the source amount required for the destination amount including some padding to accommodate exchange rate fluctuations. When Bridge calculates the source amount, any funds received exceeding the minimum amount required for the destination amount will be distributed as a Developer Exchange Fee. Bridge also supports the developer calculating the source amount themselves to provide asource.amount in the Transfer creation request. By doing so, the developer can collect any funds received exceeding the source amount provided (and greater than the minimum amount required) for the destination amount as a Developer Exchange Fee.
Request
Transfer Creation Validations
Bridge will calculate the amount required and fail early if thesource.amount specified is insufficient to achieve the destination.amount:
Typical Flow

Unhappy Paths Flow
These transfers behave similarly to a limit order. The padding included in the source.amount is intended to cover typical FX variation. If the exchange rate moves from time of Transfer creation such that the amount of padding is now insufficient when the transfer is funded, Bridge will inform the developer the transfer is underfunded, requiring the developer to either:- Add more funds to allow this Transfer to complete at the desired destination amount
- Cancel the Transfer and return the funds to the source
Adding additional funds for an underfunded Transfer

underfunded in the API and sends a webhook.
receipt.exchange_rate is based on the original source input amount and provides the exchange rate from the customer’s perspective. It always matches (destination amount) / (original source amount). It does not take into account any additional funds added to address a funding shortfall.