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Transfer Money V1

The Unified Payment API serves as a single entry point for initiating real-time and fallback payments through multiple supported networks, including FedNow, TCH, and ACH. It abstracts the complexity of routing logic and network compatibility checks, allowing clients (such as mobile / middleware systems) to initiate payments with minimal integration effort.

Key Features:

  • Unified interface for multi-rail payments (FedNow, TCH, ACH)

  • Automatic routing based on beneficiary bank support

  • Built-in fallback mechanism if real-time networks are unavailable

Typical Use Case:

Client system (Mobile / Middleware) send a payment request to the XD Ledger via this API. The ledger then parses the request, determines the optimal payment rail, and processes the transaction end-to-end.

Method: POST​

{{URL}}/jsonrpc

Headers​

NameValue
Content-Typeapplication/json
CredentialBasic c3VwcG9ydCsxQG5ldHN5cy1pbmMuY29tOjM5ZDYxOGJkNTVmN5NWQxY2RlNDE5
Signature{{signature}}

Example​

Payload Parameters
ParameterDescription

transactionAmount

Mandatory

Object

amount

Mandatory

String

Value of the transaction

Example: "220"

currency

Mandatory

String

Currency type used for the transaction

Example: "USD"

creditor

Mandatory

Object

userType

Mandatory

String

Specifies the type of creditor

Example: "INDIVIDUAL"

iIdentification

Optional

String

Unique identifier of the identification provided by creditor

Example: "89900200002"

identificationType

Optional

String

Type of identification

Example: "SSN"

firstName

Mandatory

String

First name of creditor

Example: "TestUser"

middleName

Optional

String

Middle name of creditor

Example: ""

lastName

Optional

String

Last name of creditor

Example: ""

creditorAccount

Mandatory

Object

identification

Mandatory

String

Account number of the creditor's account

Example: "200522479517839"

identificationType

Mandatory

String

Type of account identification

Example: "ACCOUNT_NUMBER"

identificationType2

Mandatory

String

Type of account

Example: "CHECKING"

institution

Mandatory

Object

name

Mandatory

String

Name of the creditor bank

Example: "THE BANK OF NEW YORK MELLON"

identification

Mandatory

String

Bank's identification number

Example: "101110802"

identificationType

Mandatory

String

Identification type of bank

Example: "ABA"

debtorPostalAddress

Optional

Object

addressType

Optional

String

Type of address

Example: "HOUSE"

addressLine1

Optional

String

First line of the address

Example: "3745 SW anamaker RD"

addressLine2

Optional

String

Second line of the address

Example: "Suite C"

city

Optional

String

City of the debtor's address

Example: "Topeka"

state

Optional

String

State of the debtor's address

Example: "KS"

zipCode

Optional

String

Postal code of the debtor's address

Example: "66610"

countryCode

Optional

String

Country code in numeric form

Example: "840"

nationality

Optional

String

Nationality of the debtor

Example: "USA"

debtorContact

Optional

Object

primaryEmail

Optional

String

Primary email address for the debtor

Example: "n.sundar@netsys-inc.com"

primaryPhone

Optional

String

Primary phone number for the debtor

Example: "7850010001"

debtorAccount

Mandatory

Object

identification

Mandatory

String

Account number for the debtor's account

Example: "200401278247450"

identificationType

Mandatory

String

Type of account identification

Example: "ACCOUNT_NUMBER"

institution

Mandatory

Object

name

Mandatory

String

Name of debtor bank

Example: "FINWISE BANK"

identification

Mandatory

String

Bank's identification number

Example: "124303298"

identificationType

Mandatory

String

Type of bank identification

Example: "ABA"


curl --location --globoff --request GET '{{URL}}/jsonrpc' \
--header 'Content-Type: application/json' \
--data-raw '{"method":"TransactionService.Transfermoney","id":"1","params":{"payload":{"transactionAmount":{"amount":"220","currency":"USD"},"creditor":{"userType":"INDIVIDUAL","identification":"89900200002","identificationType":"SSN","firstName":"TestUser","middleName":"","lastName":""},"creditorAccount":{"identification":"200522479517839","identificationType":"ACCOUNT_NUMBER","identificationType2":"CHECKING","institution":{"name":"THE BANK OF NEW YORK MELLON","identification":"101110802","identificationType":"ABA"}},"debtorPostalAddress":{"addressType":"HOUSE","addressLine1":"3745 SW anamaker RD","addressLine2":"Suite C","city":"Topeka","state":"KS","zipCode":"66610","countryCode":"840","nationality":"USA"},"debtorContact":{"primaryEmail":"n.sundar@netsys-inc.com","primaryPhone":"7850010001"},"debtorAccount":{"identification":"200401278247450","identificationType":"ACCOUNT_NUMBER","institution":{"name":"FINWISE BANK","identification":"124303298","identificationType":"ABA"}}},"api":{"credential":"Basic amVnYW4uckBuZXR4ZC5jb206ZmE3NTg4NzYyMDUxNDRhM2FmZTRlMDJiNzIzOTM2M2E=","signature":"{{signature}}","apiKey":"fa758876205144a3afe4e02b7239363a","keyId":"41199"}}}'

Request Body​


{
    "method": "TransactionService.Transfermoney",
    "id": "1",
    "params": {
        "payload": {
            "transactionAmount": {
                "amount": "220",
                "currency": "USD"
            },
            "creditor": {
                "userType": "INDIVIDUAL",
                "identification": "89900200002",
                "identificationType": "SSN",
                "firstName": "TestUser",
                "middleName": "",
                "lastName": ""
            },
            "creditorAccount": {
                "identification": "200522479517839",
                "identificationType": "ACCOUNT_NUMBER",
                "identificationType2": "CHECKING",
                "institution": {
                    "name": "THE BANK OF NEW YORK MELLON",
                    "identification": "101110802",
                    "identificationType": "ABA"
                }
            },
            "debtorPostalAddress": {
                "addressType": "HOUSE",
                "addressLine1": "3745 SW anamaker RD",
                "addressLine2": "Suite C",
                "city": "Topeka",
                "state": "KS",
                "zipCode": "66610",
                "countryCode": "840",
                "nationality": "USA"
            },
            "debtorContact": {
                "primaryEmail": "n.sundar@netsys-inc.com",
                "primaryPhone": "7850010001"
            },
            "debtorAccount": {
                "identification": "200401278247450",
                "identificationType": "ACCOUNT_NUMBER",
                "institution": {
                    "name": "FINWISE BANK",
                    "identification": "124303298",
                    "identificationType": "ABA"
                }
            }
        },
        "api": {
            "credential": "Basic amVnYW4uckBuZXR4ZC5jb206ZmE3NTg4NzYyMDUxNDRhM2FmZTRlMDJiNzIzOTM2M2E=",
            "signature": "{{signature}}",
            "apiKey": "fa758876205144a3afe4e02b7239363a",
            "keyId": "41199"
        }
    }
}

Response: 200​

Response Parameters
ParameterDescription

id

Mandatory

String

Unique response id

Example: " 1"

result

Mandatory

Object

status

Mandatory

String

Status of the transaction

Example: " COMPLETED"

Possible values: " COMPLETED", "FAILED"

referenceID

Mandatory

String

Unique reference id of the transaction

Example: " b3d721e8f36a40b58e3caf3509e9508c"

supportedChannel

Mandatory

String

Channel through which transaction is processed

Example: " TCH"

Possible values: "TCH", "FEDNOW", "ACH", "WIRE"

transactionType

Mandatory

String

Type of transaction

Example: " RTP_OUT"

Possible values: "RTP_OUT", "CCT_OUT", "ACH_OUT", "WIRE_OUT"

jsonrpc

Mandatory

String

RPC Version

Example: " 2.0"

Response Body​


{
    "id": "1",
    "result": {
        "status": "COMPLETED",
        "referenceID": "b3d721e8f36a40b58e3caf3509e9508c",
        "supportedChannel": "TCH",
        "transactionType": "RTP_OUT"
    },
    "jsonrpc": "2.0"
}