curl --location --request POST 'https://api.bridge.xyz/v0/customers/<customer_id>/virtual_accounts' \--header 'Content-Type: application/json' \--header 'Api-Key: <Api-Key>' \--header 'Idempotency-Key: <Unique Idempotency Key>' \--data-raw '{ # The source object specifies a USD virtual account. "source": { "currency": "usd", }, # The destination object instructs Bridge where to send the USD deposits to. # Bridge will automatically handle converting and sending USD to the crypto destination. "destination": { "payment_rail": "ethereum", "currency": "usdc", "address": "0x3f5CE5FBFe3E9af3971dD833D26BA9b5C936f0bE" }, # You can specifcy an optional developer fee to monetize on transactions. "developer_fee_percent": "1.0" // 1%.}'
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 '{ "amount": "10.0", "on_behalf_of": "cust_alice", "developer_fee": "0.5", # source object tells Bridge where to expect deposits from. # can be fiat or crypto "source": { "payment_rail": "ach_push", "currency": "usd", }, # deposit object tells Bridge where to send funds to. # can also be fiat or crypto "destination": { "payment_rail": "ethereum", "currency": "usdc", "to_address": "0xdeadbeef", },}'
Response
{ "id": "transfer_123", "state": "awaiting_funds", "on_behalf_of": "cust_alice", "amount": "10.0", "developer_fee": "0.5", "source": { "payment_rail": "ach_push", "currency": "usd" }, "destination": { "payment_rail": "polygon", "currency": "usdc", "to_address": "0xdeadbeef" }, # Very important that your customer follows the source deposit instructions "source_deposit_instructions": { "bank_account_number": "123456789", # Bridge's bank account number to send deposits to "bank_routing_number": "101019644", # Bridge's bank account routing number # if the transfer requires a specific amount, it's important your customer includes # the exact amount expected. "amount": "10.0", "currency": "usd", "deposit_message": "BVI7depositmessage", # important that the deposit message is included }, "receipt": { "initial_amount": "10.0", "developer_fee": "0.5", "exchange_fee": "0.0", "final_amount": "9.5", "destination_tx_hash": "0xc0ffee", // A destination tx hash will appear after the transfer is complete }, "created_at": "2023-05-05T19:39:14.316Z", "updated_at": "2023-05-05T19:39:15.231Z"}
Request
curl --location --request POST 'https://api.bridge.xyz/v0/transfers' \--header 'Api-Key: <API Key>' \--header 'Idempotency-Key: <Unique Idempotency Key>' \--data-raw '{ "amount": "10.0", "on_behalf_of": "cust_alice", "developer_fee": "0.5", # source object tells Bridge where to expect deposits from. # can be fiat or crypto "source": { # Note that we will not validate or reject payments when the payment_rail # is specificed as ach_same_day, but the deposit arrives via ACH or Wire. "payment_rail": "ach_same_day", "currency": "usd", }, # deposit object tells Bridge where to send funds to. # can also be fiat or crypto "destination": { "payment_rail": "ethereum", "currency": "usdc", "to_address": "0xdeadbeef", },}'
Request
curl --location --request POST 'https://api.bridge.xyz/v0/transfers' \--header 'Api-Key: <API Key>' \--header 'Idempotency-Key: <Unique Idempotency Key>' \--data-raw '{ "amount": "10.0", "on_behalf_of": "cust_alice", "developer_fee": "0.5", # source object tells Bridge where to expect deposits from. # can be fiat or crypto "source": { # Note that we will not validate or reject payments when the payment_rail # is specificed as wire, but the deposit arrives via ACH. "payment_rail": "wire", "currency": "usd", }, # deposit object tells Bridge where to send funds to. # can also be fiat or crypto "destination": { "payment_rail": "ethereum", "currency": "usdc", "to_address": "0xdeadbeef", },}'
curl --request POST \ --url https://api.bridge.xyz/v0/transfers \ --header 'Api-Key: #{api_key}' \ --header 'Content-Type: application/json' \ --header 'Idempotency-Key: 01123' \ --data '{ "developer_fee_percent": "0.0", "on_behalf_of": "cust_1234", "source": { "currency": "usdc", "payment_rail": "bridge_wallet", "bridge_wallet_id": "bw_1234" }, "destination": { "amount": "3.00", "currency": "usd", "payment_rail": "ach", "external_account_id": "ea_1234", // the US bank account to pay out to "ach_reference": "INV143509" // optional; appears on recipient statement, max 10 chars (A-Z, a-z, 0-9, spaces) }}'
Request
curl --request POST \ --url https://api.bridge.xyz/v0/transfers \ --header 'Api-Key: #{api_key}' \ --header 'Content-Type: application/json' \ --header 'Idempotency-Key: 01123' \ --data '{ "developer_fee_percent": "0.0", "on_behalf_of": "cust_1234", "source": { "currency": "usdc", "payment_rail": "bridge_wallet", "bridge_wallet_id": "bw_1234" }, "destination": { "amount": "3.00", "currency": "usd", "payment_rail": "ach_same_day", // must be submitted before cutoff "external_account_id": "ea_1234", // the US bank account to pay out to "ach_reference": "INV143509" // optional; appears on recipient statement, max 10 chars (A-Z, a-z, 0-9, spaces) }}'
To identify which rail a payment was actually received on, use the payment_received_rail field on the Transfer source, or the payment_rail field on the Virtual Account source.Note that for Transfers, the payment_rail you specify at creation reflects your intent — not a guarantee. The sending institution determines the actual rail used. For example, a Transfer created with payment_rail: wire may ultimately arrive via ACH, in which case payment_received_rail will reflect ach.
payment_rail: Use ach for outbound (offramp) transfers. Inbound (onramp) ACH pushed by the customer’s bank uses the ach_push rail, which is also what appears in Virtual Account deposit instructions.
ach_reference: Optional reference included with an ACH offramp. Maximum 10 characters; allowed characters are A–Z, a–z, 0–9, and spaces. Set this on the destination object.
trace_number: A unique 15-digit number assigned to each ACH transaction. Use this to uniquely identify ACH payments.
description: The ACH description set by the sender, configurable via API for offramps. For onramps, this is a read only field returned when available.
sender_name / sender_bank_routing_number: Sender identity fields returned read-only in onramp responses when available.
wire_message: Optional memo included with the transfer. Up to 140 characters, validated as 4 lines of 35 characters each per the Fedwire standard. Set this on the destination object of an offramp transfer.
imad: The Input Message Accountability Data — a unique identifier assigned to each incoming Fedwire transaction. Returned read-only in onramp transfer responses and useful for reconciliation and tracing with your bank.
originator_name / originator_address: Name and address of the sender, returned read-only in onramp responses when available.
bank_beneficiary_name / bank_beneficiary_address: Beneficiary details returned read-only in onramp responses when available.
Maximum $10,000,000 per onramp (this is the FedNow network limit)
1st and 3rd party payins and payouts supported
FedNow operates 24/7/365 and settles in seconds
Payment tracking identifiers: FedNow onramps will include the following identifiers:
end_to_end_id: The end-to-end identifier assigned by the originator that travels with the payment across the FedNow network. Available across both the Transfers and Virtual Accounts APIs.
transaction_id: The unique transaction identifier assigned to the FedNow payment. Available across both the Transfers and Virtual Accounts APIs.
We may add more identifiers where helpful, as we roll out the program.
Originator details: FedNow onramps will include, if supplied:
sender_name: The name of the business or individual who initiated the transaction
sender_bank_routing_number: The routing number of the entity that initiated this transaction
How to identify whether a deposit arrived via FedNow? To identify which rail a payment was actually received on, use the payment_received_rail field on the Transfer source, or the payment_rail field on the Virtual Account source. For FedNow onramps, the payment_received_rail will be fednow.
Please note you must clearly disclose fee details applicable to FedNow transfers (e.g., FedNow send/receive fees) in a way that is clear, concise, and accessible to your end users.
