Transfers

Transfers enable the movement of funds between fiat and stablecoins, stablecoin-to-stablecoin conversions, and stablecoin-to-fiat transactions.

Each transfer requires both a source and a destination, which can be:

• Fiat sources (e.g., a bank account for ACH or wire)
• On-chain wallet addresses

Each source and destination includes:

• value_type: The currency being transferred (USD, USDC, USDT, MXN, etc.)
• transfer_type: The payment rail used (Wire, ACH, Polygon, Solana, SPEI, etc.)

Required Fields

Field	Where	Type	Description
account_id	Path	string	Account whose funds are being moved
amount	Body	object	{ "value": "10", "currency": "USD" }
source	Body	object	Origin of funds (fiat rail or on-chain address)
value_type	In source / destination	string	Currency/token (e.g., USD, USDC, SBC)
transfer_type	In source / destination	string	Payment rail / chain (wire, ach_credit, polygon, solana)
address_id	In source / destination	string	Wallet or fiat account sending or receiving value
Idempotency-Key	Header	string	UUID that guarantees exactly-once execution

Optional Fields

Field	Where	Type	Description
brand	Body	object	ACH only. { "account_id": "<ACCOUNT_ID>" } to control which Account name appears on ACH bank statement line items (ACH debit + ACH credit). Not supported for wire or rtp.

Transfer Scenarios: understanding value_type and transfer_type

Flow	Source	Destination	Description
Onramp (Fiat → Stablecoin)	USD / wire	SBC / base	Mint SBC on base funded by wire deposit
Offramp (Stablecoin → Fiat)	SBC / solana	USD / ACH	Redeem SBC on Solana to USD via ACH
Swap (Stablecoin ↔ Stablecoin)	USDC / solana	SBC / solana	1:1 swap from USDC to SBC with no slippage
On-chain Payout	USDC / polygon	USDC / polygon (external address)	Pay a recipient wallet

Every request is scoped to an account, so the path always starts with:

POST

https://api.brale.xyz/accounts/{account_id}/transfers  // The ID of your or your customer's account

USD to Stablecoin (Wire Transfer)

Accept a USD deposit to mint stablecoins.

POST

https://api.brale.xyz/accounts/account_id/transfers

curl --request POST \
  --url "https://api.brale.xyz/accounts/${ACCOUNT_ID}/transfers" \
  --header "Content-Type: application/json" \
  --header "Authorization: Bearer ${AUTH_TOKEN}" \
  --header "Idempotency-Key: $(uuidgen)" \          # generate a fresh key for each transfer
  --data '{
    "amount":    { "value": "10", "currency": "USD" },
    "source":    { "value_type": "usd", "transfer_type": "wire" },
    "destination": {
      "address_id": "'"${ADDRESS_ID}"'",
      "value_type": "sbc",
      "transfer_type": "base"
    }
  }'

When initiating a fiat to stablecoin transfer via wire, we will return a set of wire_instructions so you can provide them to your customer.

Response

{
  "id": "2xNL6PAF0cbcQHyjMQJ2RKRfbD9",
  "status": "pending",
  "source": {
    "value_type": "USD",
    "transfer_type": "wire"
  },
  "destination": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "SBC",
    "transfer_type": "base"
  },
  "updated_at": "2025-05-20T20:36:48.147281Z",
  "created_at": "2025-05-20T20:36:48.147281Z",
  "amount": {
    "value": "10",
    "currency": "USD"
  },
  "note": null,
  "wire_instructions": {
    // Brale Bank instructions
  }
}

USD to Stablecoin (ACH Debit)

Onramp to your stablecoin by debiting a Plaid connected address.

POST

https://api.brale.xyz/accounts/account_id/transfers

Request

{
  "amount": {
    "value": "1",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "SBC",
    "transfer_type": "Polygon"
  },
  "destination": {
    "address_id": "34yGFQf7tP1HJCPAWNGaN4rh4nX",
    "value_type": "USD",
    "transfer_type": "wire"
  },
  "brand": { "account_id": "34lCJZ2bxbPAzB3ou67Md01veUo" }
}

Optional branding object You can specify which Account’s name appears on the receiver’s bank statement line items for ACH only. It is not supported for wire or RTP.

Stablecoin to USD (Wire Offramp or Payout)

Offramp your stablecoin to USD via wire transfer.

POST

https://api.brale.xyz/accounts/account_id/transfers

Request

{
  "amount": {
    "value": "1",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "SBC",
    "transfer_type": "Polygon"
  },
  "destination": {
    "address_id": "34yGFQf7tP1HJCPAWNGaN4rh4nX",
    "value_type": "USD",
    "transfer_type": "wire"
  }
}

Stablecoin to USD (ACH)

Offramp your stablecoin to USD via ACH Credit.

POST

https://api.brale.xyz/accounts/account_id/transfers

Request

{
  "amount": {
    "value": "1",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "SBC",
    "transfer_type": "canton"
  },
  "destination": {
    "address_id": "34yGFQf7tP1HJCPAWNGaN4rh4nX",
    "value_type": "USD",
    "transfer_type": "same_day_ach_credit"
  }
}

Stablecoin Swaps

Swap USDC to your own stablecoin (YSBC). All stablecoin swaps are 1:1 with no slippage.

POST

https://api.brale.xyz/accounts/account_id/transfers

Request

{
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "USDC",
    "transfer_type": "Solana"
  },
  "destination": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "YSBC",
    "transfer_type": "Solana"
  }
}

Stablecoin Payout

Process stablecoin payouts to one or many external addresses (EOAs).

POST

https://api.brale.xyz/accounts/account_id/transfers

Request

{
  "amount": {
    "value": "500",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "SBC",
    "transfer_type": "Solana"
  },
  "destination": {
    "address_id": "2xNL6PAF0cbcQHyjMQJ2RKRfbD9",
    "value_type": "SBC",
    "transfer_type": "Solana"
  }
}

Retrieving Transfers

GET

https://api.brale.xyz/accounts/account_id/transfers/transfer_id

Response

{
  "id": "transfer_123",
  "status": "pending",
  "amount": {
    "value": "1",
    "currency": "USD"
  },
  "created_at": "2025-02-05T19:39:14.316Z",
  "updated_at": "2025-02-05T19:39:14.316Z",
  "source": {
    "transfer_type": "wire",
    "value_type": "usd"
  },
  "destination": {
    "transfer_type": "polygon",
    "value_type": "ysbc",
    "address_id": "d7bd28e4-93e6-4313-880c-ab9178eacd3b"
  },
  "wire_instructions": {
    // ...Brale bank details
  }
}

Retrieving Transfers & Pagination

List Call

GET

https://api.brale.xyz/accounts/account_id/transfers/transfer_id?page[size]=50

Returns the 50 most recent transfers.

Paging Forward

GET

https://api.brale.xyz/accounts/account_id/transfers/transfer_id?page[next]=g3QAAAABdw...

Use the pagination.next token from the previous response.

Paging Backward

GET

https://api.brale.xyz/accounts/account_id/transfers/transfer_id?page[prev]=g3QAAAABdw...

Only one of page[next] or page[prev] may be present.

Transfer Statuses

Value	Description
pending	The transfer has been submitted but is not yet in progress. This may be due to Brale waiting for funds (e.g., fiat-to-stablecoin wire transfer) or an ongoing review.
processing	The transfer is in progress.
complete	The transfer is finalized and funds have arrived at the destination.
canceled	The transfer has been canceled.
failed	An issue prevented Brale from completing the transfer. Manual intervention may be required.

Transfer Flow

A transfer will progress from pending → processing → complete. Transfers include an updated_at field denoting the last time the status updated.

Transfer Limits

• Inbound ACH transactions are limited to $50,000 per transaction.
• There are no limits for wire or stablecoin transactions.