Submit transaction
curl --request POST \
--url https://api-sandbox.endl.io/api/v0/pobo/transactions/submit \
--header 'API-KEY: <api-key>' \
--header 'Api-Version: <api-version>' \
--header 'Content-Type: application/json' \
--data '
{
"quoteId": "qut_xxxxxxxxxxxxxxxxxxxx",
"recipientId": "rec_xxxxxxxxxxxxxxxxxxxx",
"senderId": "snd_xxxxxxxxxxxxxxxxxxxx",
"depositId": "dep_xxxxxxxxxxxxxxxxxxxx",
"transferPurpose": "Family support",
"fundsSource": "Salary",
"nameOrAlias": "Invoice #42",
"endlTransactionMode": "STABLE_COIN_TO_FIAT",
"walletId": "wlt_xxxxxxxxxxxxxxxxxxxx"
}
'import requests
url = "https://api-sandbox.endl.io/api/v0/pobo/transactions/submit"
payload = {
"quoteId": "qut_xxxxxxxxxxxxxxxxxxxx",
"recipientId": "rec_xxxxxxxxxxxxxxxxxxxx",
"senderId": "snd_xxxxxxxxxxxxxxxxxxxx",
"depositId": "dep_xxxxxxxxxxxxxxxxxxxx",
"transferPurpose": "Family support",
"fundsSource": "Salary",
"nameOrAlias": "Invoice #42",
"endlTransactionMode": "STABLE_COIN_TO_FIAT",
"walletId": "wlt_xxxxxxxxxxxxxxxxxxxx"
}
headers = {
"Api-Version": "<api-version>",
"API-KEY": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'Api-Version': '<api-version>',
'API-KEY': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
quoteId: 'qut_xxxxxxxxxxxxxxxxxxxx',
recipientId: 'rec_xxxxxxxxxxxxxxxxxxxx',
senderId: 'snd_xxxxxxxxxxxxxxxxxxxx',
depositId: 'dep_xxxxxxxxxxxxxxxxxxxx',
transferPurpose: 'Family support',
fundsSource: 'Salary',
nameOrAlias: 'Invoice #42',
endlTransactionMode: 'STABLE_COIN_TO_FIAT',
walletId: 'wlt_xxxxxxxxxxxxxxxxxxxx'
})
};
fetch('https://api-sandbox.endl.io/api/v0/pobo/transactions/submit', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api-sandbox.endl.io/api/v0/pobo/transactions/submit",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'quoteId' => 'qut_xxxxxxxxxxxxxxxxxxxx',
'recipientId' => 'rec_xxxxxxxxxxxxxxxxxxxx',
'senderId' => 'snd_xxxxxxxxxxxxxxxxxxxx',
'depositId' => 'dep_xxxxxxxxxxxxxxxxxxxx',
'transferPurpose' => 'Family support',
'fundsSource' => 'Salary',
'nameOrAlias' => 'Invoice #42',
'endlTransactionMode' => 'STABLE_COIN_TO_FIAT',
'walletId' => 'wlt_xxxxxxxxxxxxxxxxxxxx'
]),
CURLOPT_HTTPHEADER => [
"API-KEY: <api-key>",
"Api-Version: <api-version>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api-sandbox.endl.io/api/v0/pobo/transactions/submit"
payload := strings.NewReader("{\n \"quoteId\": \"qut_xxxxxxxxxxxxxxxxxxxx\",\n \"recipientId\": \"rec_xxxxxxxxxxxxxxxxxxxx\",\n \"senderId\": \"snd_xxxxxxxxxxxxxxxxxxxx\",\n \"depositId\": \"dep_xxxxxxxxxxxxxxxxxxxx\",\n \"transferPurpose\": \"Family support\",\n \"fundsSource\": \"Salary\",\n \"nameOrAlias\": \"Invoice #42\",\n \"endlTransactionMode\": \"STABLE_COIN_TO_FIAT\",\n \"walletId\": \"wlt_xxxxxxxxxxxxxxxxxxxx\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Api-Version", "<api-version>")
req.Header.Add("API-KEY", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api-sandbox.endl.io/api/v0/pobo/transactions/submit")
.header("Api-Version", "<api-version>")
.header("API-KEY", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"quoteId\": \"qut_xxxxxxxxxxxxxxxxxxxx\",\n \"recipientId\": \"rec_xxxxxxxxxxxxxxxxxxxx\",\n \"senderId\": \"snd_xxxxxxxxxxxxxxxxxxxx\",\n \"depositId\": \"dep_xxxxxxxxxxxxxxxxxxxx\",\n \"transferPurpose\": \"Family support\",\n \"fundsSource\": \"Salary\",\n \"nameOrAlias\": \"Invoice #42\",\n \"endlTransactionMode\": \"STABLE_COIN_TO_FIAT\",\n \"walletId\": \"wlt_xxxxxxxxxxxxxxxxxxxx\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api-sandbox.endl.io/api/v0/pobo/transactions/submit")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Api-Version"] = '<api-version>'
request["API-KEY"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"quoteId\": \"qut_xxxxxxxxxxxxxxxxxxxx\",\n \"recipientId\": \"rec_xxxxxxxxxxxxxxxxxxxx\",\n \"senderId\": \"snd_xxxxxxxxxxxxxxxxxxxx\",\n \"depositId\": \"dep_xxxxxxxxxxxxxxxxxxxx\",\n \"transferPurpose\": \"Family support\",\n \"fundsSource\": \"Salary\",\n \"nameOrAlias\": \"Invoice #42\",\n \"endlTransactionMode\": \"STABLE_COIN_TO_FIAT\",\n \"walletId\": \"wlt_xxxxxxxxxxxxxxxxxxxx\"\n}"
response = http.request(request)
puts response.read_body{
"txnId": "txn_9ZkQ2mLr7TbV4xWc1NpA",
"nameOrAlias": "POBO",
"quoteId": "qut_6lGsPUP860cEUxAqIOse",
"depositId": "dep_X1c2V3b4N5m6Q7w8E9r0",
"recipientId": "rec_A9s8D7f6G5h4J3k2L1z0",
"sourceAmount": "101.50",
"sourceCurrency": "USDC",
"sourceChain": "BaseSepolia",
"destinationAmount": "2500000.00",
"destinationCurrency": "VND",
"fxRate": "24630.54",
"transferPurpose": "Payment for services",
"transferPurposeCode": "P0102",
"fundsSource": "BUSINESS_REVENUE",
"sentOrReceived": "Sent",
"endlTransactionMode": "STABLE_COIN_TO_FIAT",
"depositRail": "CRYPTO",
"status": "INITIATED",
"subStatus": "PENDING_DEPOSIT_CONFIRMATION",
"chargesTotal": "1.50",
"chargesTotalCurrency": "USDC",
"chargesTotalInSourceCurrency": 1.5,
"chargesTotalInSourceCurrencyActual": 1.5,
"chargeTotalUSDActual": 1.5,
"chargesData": [
{
"feeType": "SERVICE_FEE",
"feeCategoryTypeEnum": "SERVICE_FEE",
"feeName": "Service fee",
"feeAmount": 1.5,
"feeAmountActual": 1.5,
"feeCurrency": "USDC",
"feePercent": null,
"tax": false
}
],
"recipientData": {
"firstName": "Van An",
"lastName": "Nguyen",
"email": "an.nguyen@example.com",
"address": {
"addressLine1": "12 Le Loi",
"addressLine2": null,
"city": "Ho Chi Minh City",
"state": null,
"country": "Vietnam",
"postalCode": "700000",
"countryTwoLetter": "VN",
"countryThreeLetter": "VNM",
"countryId": 241,
"region": null
},
"bankName": "Vietcombank",
"bankAccountNumber": "0071000123456",
"bankRoutingNumber": null,
"iban": null,
"ifsc": null,
"swiftBic": "BFTVVNVX",
"sortCode": null,
"accountType": null,
"recipientType": "INDIVIDUAL",
"payoutRail": "BANK_TRANSFER",
"walletAddress": null
},
"depositData": {
"depositRail": "CRYPTO",
"status": "COMPLETE",
"amountRequested": 101.5,
"currencyRequested": "usdc",
"chainCode": "base",
"amountReceived": null,
"currencyReceived": null,
"confirmationId": null,
"chainScanLink": null,
"depositVerifiedOnChain": false,
"qrDeposit": false,
"depositAddress": "0x5c1e…9a7f",
"source": null,
"travelRuleTxHash": null,
"sourceWalletAddress": null,
"sourceChain": null,
"sourceCurrency": null,
"updatedOn": "2026-10-23T10:16:02.101Z"
},
"deposit": false,
"test": false,
"createdOn": "2026-10-23T10:16:01.907Z",
"updatedOn": "2026-10-23T10:16:02.418Z"
}{
"code": 400,
"message": "Rail not supported for POBO",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "ERRTXN_1001",
"message": "Rail not supported for POBO",
"field": null
}
]
}{
"data": null,
"code": 401,
"message": "Authentication Failed!",
"status": "Error",
"errors": [
{
"code": "401",
"message": "Authentication Failed!",
"field": "Authentication Failed!"
}
]
}{
"data": null,
"code": 403,
"message": "API key does not have 'pobo' permission",
"status": "Error",
"errors": [
{
"code": "403",
"message": "API key does not have 'pobo' permission",
"field": "API key does not have 'pobo' permission"
}
]
}{
"code": 404,
"message": "Resource not found",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "NOT_FOUND",
"message": "Resource not found",
"field": null
}
]
}{
"code": 409,
"message": "A sender with this governmentId already exists for this partner",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "CONFLICT",
"message": "A sender with this governmentId already exists for this partner",
"field": null
}
]
}{
"data": null,
"code": 429,
"message": "Rate limit exceeded, please retry later",
"status": "Error",
"errors": [
{
"code": "429",
"message": "Rate limit exceeded, please retry later",
"field": "Rate limit exceeded, please retry later"
}
]
}{
"code": 500,
"message": "Unexpected error",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "INTERNAL_ERROR",
"message": "Unexpected error",
"field": null
}
]
}{
"data": null,
"code": 502,
"message": "Upstream service error",
"status": "Error",
"errors": null
}Submit transaction
Submit the transfer for processing. Returns the transaction object; the first status is INITIATED / PENDING_DEPOSIT_CONFIRMATION. The row is marked alias=POBO.
senderId is mandatory. depositId, accountId and invoiceFileIdList are optional reference ids (dep_, acct_, file_) where they apply.
POST
/
api
/
v0
/
pobo
/
transactions
/
submit
Submit transaction
curl --request POST \
--url https://api-sandbox.endl.io/api/v0/pobo/transactions/submit \
--header 'API-KEY: <api-key>' \
--header 'Api-Version: <api-version>' \
--header 'Content-Type: application/json' \
--data '
{
"quoteId": "qut_xxxxxxxxxxxxxxxxxxxx",
"recipientId": "rec_xxxxxxxxxxxxxxxxxxxx",
"senderId": "snd_xxxxxxxxxxxxxxxxxxxx",
"depositId": "dep_xxxxxxxxxxxxxxxxxxxx",
"transferPurpose": "Family support",
"fundsSource": "Salary",
"nameOrAlias": "Invoice #42",
"endlTransactionMode": "STABLE_COIN_TO_FIAT",
"walletId": "wlt_xxxxxxxxxxxxxxxxxxxx"
}
'import requests
url = "https://api-sandbox.endl.io/api/v0/pobo/transactions/submit"
payload = {
"quoteId": "qut_xxxxxxxxxxxxxxxxxxxx",
"recipientId": "rec_xxxxxxxxxxxxxxxxxxxx",
"senderId": "snd_xxxxxxxxxxxxxxxxxxxx",
"depositId": "dep_xxxxxxxxxxxxxxxxxxxx",
"transferPurpose": "Family support",
"fundsSource": "Salary",
"nameOrAlias": "Invoice #42",
"endlTransactionMode": "STABLE_COIN_TO_FIAT",
"walletId": "wlt_xxxxxxxxxxxxxxxxxxxx"
}
headers = {
"Api-Version": "<api-version>",
"API-KEY": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
'Api-Version': '<api-version>',
'API-KEY': '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
quoteId: 'qut_xxxxxxxxxxxxxxxxxxxx',
recipientId: 'rec_xxxxxxxxxxxxxxxxxxxx',
senderId: 'snd_xxxxxxxxxxxxxxxxxxxx',
depositId: 'dep_xxxxxxxxxxxxxxxxxxxx',
transferPurpose: 'Family support',
fundsSource: 'Salary',
nameOrAlias: 'Invoice #42',
endlTransactionMode: 'STABLE_COIN_TO_FIAT',
walletId: 'wlt_xxxxxxxxxxxxxxxxxxxx'
})
};
fetch('https://api-sandbox.endl.io/api/v0/pobo/transactions/submit', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api-sandbox.endl.io/api/v0/pobo/transactions/submit",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'quoteId' => 'qut_xxxxxxxxxxxxxxxxxxxx',
'recipientId' => 'rec_xxxxxxxxxxxxxxxxxxxx',
'senderId' => 'snd_xxxxxxxxxxxxxxxxxxxx',
'depositId' => 'dep_xxxxxxxxxxxxxxxxxxxx',
'transferPurpose' => 'Family support',
'fundsSource' => 'Salary',
'nameOrAlias' => 'Invoice #42',
'endlTransactionMode' => 'STABLE_COIN_TO_FIAT',
'walletId' => 'wlt_xxxxxxxxxxxxxxxxxxxx'
]),
CURLOPT_HTTPHEADER => [
"API-KEY: <api-key>",
"Api-Version: <api-version>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api-sandbox.endl.io/api/v0/pobo/transactions/submit"
payload := strings.NewReader("{\n \"quoteId\": \"qut_xxxxxxxxxxxxxxxxxxxx\",\n \"recipientId\": \"rec_xxxxxxxxxxxxxxxxxxxx\",\n \"senderId\": \"snd_xxxxxxxxxxxxxxxxxxxx\",\n \"depositId\": \"dep_xxxxxxxxxxxxxxxxxxxx\",\n \"transferPurpose\": \"Family support\",\n \"fundsSource\": \"Salary\",\n \"nameOrAlias\": \"Invoice #42\",\n \"endlTransactionMode\": \"STABLE_COIN_TO_FIAT\",\n \"walletId\": \"wlt_xxxxxxxxxxxxxxxxxxxx\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Api-Version", "<api-version>")
req.Header.Add("API-KEY", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api-sandbox.endl.io/api/v0/pobo/transactions/submit")
.header("Api-Version", "<api-version>")
.header("API-KEY", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"quoteId\": \"qut_xxxxxxxxxxxxxxxxxxxx\",\n \"recipientId\": \"rec_xxxxxxxxxxxxxxxxxxxx\",\n \"senderId\": \"snd_xxxxxxxxxxxxxxxxxxxx\",\n \"depositId\": \"dep_xxxxxxxxxxxxxxxxxxxx\",\n \"transferPurpose\": \"Family support\",\n \"fundsSource\": \"Salary\",\n \"nameOrAlias\": \"Invoice #42\",\n \"endlTransactionMode\": \"STABLE_COIN_TO_FIAT\",\n \"walletId\": \"wlt_xxxxxxxxxxxxxxxxxxxx\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api-sandbox.endl.io/api/v0/pobo/transactions/submit")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Api-Version"] = '<api-version>'
request["API-KEY"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"quoteId\": \"qut_xxxxxxxxxxxxxxxxxxxx\",\n \"recipientId\": \"rec_xxxxxxxxxxxxxxxxxxxx\",\n \"senderId\": \"snd_xxxxxxxxxxxxxxxxxxxx\",\n \"depositId\": \"dep_xxxxxxxxxxxxxxxxxxxx\",\n \"transferPurpose\": \"Family support\",\n \"fundsSource\": \"Salary\",\n \"nameOrAlias\": \"Invoice #42\",\n \"endlTransactionMode\": \"STABLE_COIN_TO_FIAT\",\n \"walletId\": \"wlt_xxxxxxxxxxxxxxxxxxxx\"\n}"
response = http.request(request)
puts response.read_body{
"txnId": "txn_9ZkQ2mLr7TbV4xWc1NpA",
"nameOrAlias": "POBO",
"quoteId": "qut_6lGsPUP860cEUxAqIOse",
"depositId": "dep_X1c2V3b4N5m6Q7w8E9r0",
"recipientId": "rec_A9s8D7f6G5h4J3k2L1z0",
"sourceAmount": "101.50",
"sourceCurrency": "USDC",
"sourceChain": "BaseSepolia",
"destinationAmount": "2500000.00",
"destinationCurrency": "VND",
"fxRate": "24630.54",
"transferPurpose": "Payment for services",
"transferPurposeCode": "P0102",
"fundsSource": "BUSINESS_REVENUE",
"sentOrReceived": "Sent",
"endlTransactionMode": "STABLE_COIN_TO_FIAT",
"depositRail": "CRYPTO",
"status": "INITIATED",
"subStatus": "PENDING_DEPOSIT_CONFIRMATION",
"chargesTotal": "1.50",
"chargesTotalCurrency": "USDC",
"chargesTotalInSourceCurrency": 1.5,
"chargesTotalInSourceCurrencyActual": 1.5,
"chargeTotalUSDActual": 1.5,
"chargesData": [
{
"feeType": "SERVICE_FEE",
"feeCategoryTypeEnum": "SERVICE_FEE",
"feeName": "Service fee",
"feeAmount": 1.5,
"feeAmountActual": 1.5,
"feeCurrency": "USDC",
"feePercent": null,
"tax": false
}
],
"recipientData": {
"firstName": "Van An",
"lastName": "Nguyen",
"email": "an.nguyen@example.com",
"address": {
"addressLine1": "12 Le Loi",
"addressLine2": null,
"city": "Ho Chi Minh City",
"state": null,
"country": "Vietnam",
"postalCode": "700000",
"countryTwoLetter": "VN",
"countryThreeLetter": "VNM",
"countryId": 241,
"region": null
},
"bankName": "Vietcombank",
"bankAccountNumber": "0071000123456",
"bankRoutingNumber": null,
"iban": null,
"ifsc": null,
"swiftBic": "BFTVVNVX",
"sortCode": null,
"accountType": null,
"recipientType": "INDIVIDUAL",
"payoutRail": "BANK_TRANSFER",
"walletAddress": null
},
"depositData": {
"depositRail": "CRYPTO",
"status": "COMPLETE",
"amountRequested": 101.5,
"currencyRequested": "usdc",
"chainCode": "base",
"amountReceived": null,
"currencyReceived": null,
"confirmationId": null,
"chainScanLink": null,
"depositVerifiedOnChain": false,
"qrDeposit": false,
"depositAddress": "0x5c1e…9a7f",
"source": null,
"travelRuleTxHash": null,
"sourceWalletAddress": null,
"sourceChain": null,
"sourceCurrency": null,
"updatedOn": "2026-10-23T10:16:02.101Z"
},
"deposit": false,
"test": false,
"createdOn": "2026-10-23T10:16:01.907Z",
"updatedOn": "2026-10-23T10:16:02.418Z"
}{
"code": 400,
"message": "Rail not supported for POBO",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "ERRTXN_1001",
"message": "Rail not supported for POBO",
"field": null
}
]
}{
"data": null,
"code": 401,
"message": "Authentication Failed!",
"status": "Error",
"errors": [
{
"code": "401",
"message": "Authentication Failed!",
"field": "Authentication Failed!"
}
]
}{
"data": null,
"code": 403,
"message": "API key does not have 'pobo' permission",
"status": "Error",
"errors": [
{
"code": "403",
"message": "API key does not have 'pobo' permission",
"field": "API key does not have 'pobo' permission"
}
]
}{
"code": 404,
"message": "Resource not found",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "NOT_FOUND",
"message": "Resource not found",
"field": null
}
]
}{
"code": 409,
"message": "A sender with this governmentId already exists for this partner",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "CONFLICT",
"message": "A sender with this governmentId already exists for this partner",
"field": null
}
]
}{
"data": null,
"code": 429,
"message": "Rate limit exceeded, please retry later",
"status": "Error",
"errors": [
{
"code": "429",
"message": "Rate limit exceeded, please retry later",
"field": "Rate limit exceeded, please retry later"
}
]
}{
"code": 500,
"message": "Unexpected error",
"status": "ERROR",
"data": null,
"errors": [
{
"code": "INTERNAL_ERROR",
"message": "Unexpected error",
"field": null
}
]
}{
"data": null,
"code": 502,
"message": "Upstream service error",
"status": "Error",
"errors": null
}POBO error codes
| Code | HTTP | When |
|---|---|---|
ERRTXN_1000 | 400 | senderId missing on pre-transaction or submit. |
ERRTXN_1001 | 400 | The route is not served by Paywho. |
ERRTXN_1002 | 400 | walletId missing on a wallet-funded transfer. |
ERRTXN_1003 | 400 | walletId not found or not active. |
ERRQUO_1000 | 404 | Quote not found. |
ERRQUO_1017 | 400 | No rate available for this route. |
ERRQUO_1019 | 400 | senderType or recipientType is not INDIVIDUAL / BUSINESS. |
ERRREC_1000 | 404 | Recipient not found. |
ERRREF_1000 / ERRREF_1001 | 400 / 404 | Malformed / unknown reference id. |
ERRCORE_1001 | 400 | Sender validation failures, including Sender not found. |
ERRCORE_1003 | 409 | A live sender already has this governmentId. |
ERRCORE_1005 | 403 | The API key lacks the pobo permission. |
errors[0].code. See Error codes for every code.Authorizations
Your partner API key. Must carry the pobo permission.
Headers
The API version this request targets. Required on every /api/v0/* call. Format YYYY-MM.<release>; 2026-09.1 is the latest. The version that served the request is echoed back on the response. Missing, malformed or unsupported values are rejected with 400.
Pattern:
^\d{4}-\d{2}\.\d+$Body
application/json
The quote being submitted — qut_….
Who is being paid — rec_….
Mandatory. The originator — snd_….
Where the funds came from — Salary.
Your reference for the transaction.
Transfer mode, for example STABLE_COIN_TO_FIAT.
Optional deposit reference — dep_….
Optional account reference — acct_….
Optional invoice file references — file_….
Free-text purpose of the transfer.
The wallet the payout is sent from — wlt_…; the amount and fees are both deducted from it. Required when endlTransactionMode is STABLE_COIN_TO_FIAT, STABLE_COIN_TO_STABLE_COIN or TOP_UP. Use the same wallet as the pre-transaction. Not used for other modes.
Response
The transaction. Unwrapped. On POBO, nameOrAlias is always "POBO", the response has no userId, and it does not include senderId.
A transaction, unwrapped. Returned by Submit, Get and (as an array) List — standard and POBO alike. Keys with no value are left out, except inside recipientData and depositData.
txn_… id.
Label sent at submit. POBO on POBO transactions.
qut_… id.
rec_… id.
dep_… id. Left out when there is no deposit.
Decimal amount, sent as a string.
Decimal amount, sent as a string.
Currency code.
Currency code.
Chain of the crypto leg. Left out for fiat.
Chain of the crypto leg. Left out for fiat.
Rate applied to the sender, as a string.
As sent at submit.
As sent at submit.
As sent at submit.
Sent or Received.
STABLE_COIN_TO_FIAT, STABLE_COIN_TO_STABLE_COIN, FIAT_TO_FIAT, FIAT_TO_STABLE_COIN, TOP_UP.
How it was funded, e.g. CRYPTO, ENDL_ACCOUNT, ACH.
INITIATED, IN_PROGRESS, IN_REVIEW, COMPLETE, REJECTED, REFUNDED, PENDING_TRAVEL_RULE.
Finer step, e.g. PENDING_DEPOSIT_CONFIRMATION, PROCESSING_PAYOUT, TRANSACTION_PROCESSED_SUCCESSFULLY, TRANSACTION_REJECTED, TRANSACTION_REFUNDED. The full list is in the Transactions guide.
Fee total, source currency, as a string.
Equals sourceCurrency.
Fee total as a number.
Fee total as a number.
Fee total in USD, as a number.
Fee lines.
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Snapshot of the recipient at submit: name, email, address (10 keys), bank fields, recipientType, payoutRail, walletAddress. All keys present.
Funding deposit: depositRail, status (INITIATED, PENDING, COMPLETE, REJECTED), amounts and currencies requested and received, chainCode, depositAddress, chainScanLink, confirmationId, updatedOn, and more. Left out when there is no deposit.
On-chain hash of the crypto leg. Appears once it settles.
{ invoiceFileId, fileName, invoiceFileUrl } per attached invoice. invoiceFileUrl is a short-lived signed link.
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Always false on a transaction.
Sandbox marker.
ISO 8601.
ISO 8601.