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Pre-requisites

  • You have an active Conduit account with API access
  • You have API credentials (API Key and Secret)
  • You have reviewed our Customers Core Concepts
In this guide, you’ll create your first “fiat transfer” transaction — moving funds between bank accounts in the SAME currency (e.g., USD → USD). For cross-currency (e.g., USD → EUR), use a conversion transaction instead.

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Fiat-to-Fiat Transfers (Same Currency)

1

Create a quote

To create a quote, call the /quotes endpoint. It returns the applicable rate and fees for transferring funds between the same fiat currency across accounts.

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Request Example

curl --request POST \
  --url https://api.conduit.financial/quotes \
  --header "X-API-Key: your_api_key" \
  --header "X-API-Secret: your_api_secret" \
  --header "Content-Type: application/json" \
  --header "Api-Version: 2024-12-01" \
  --data '{
    "source": {
      "asset": "USD",
      "amount": "10000.00"
    },
    "target": {
      "asset": "USD"
    }
  }'

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Response Example

{
  "id": "quote_34LGFxjgPBqCwLXBX1AD1D8SXvv",
  "source": {
    "amount": "10000.00",
    "asset": "USD"
  },
  "target": {
    "amount": "9999.00",
    "asset": "USD"
  },
  "createdAt": "2024-10-27T00:00:00.000Z",
  "expiresAt": "2024-10-27T00:03:00.000Z"
}
Keep the quote ID handy — it’s required to create the transaction.
2

Create a fiat transfer transaction

To create the transaction, use the/transactionsendpoint and include the previously generated quote ID. This will create the transfer transaction for the given quote.

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Request Example

curl --request POST \
  --url https://api.conduit.financial/transactions \
  --header "X-API-Key: your_api_key" \
  --header "X-API-Secret: your_api_secret" \
  --header "Content-Type: application/json" \
  --header "Api-Version: 2024-12-01" \
  --data '{
    "type": "transfer",
    "quote": "quote_2nqjHpNLK6wSNlFyMvZgX8SYeAO",
    "source": "bank_2UOcdiXWXbHdLRl3zfU2gG27yRi",
    "destination": "bank_2kezVryAA3Uw9LJYBiXUV7Pj6gu",
    "purpose": "Other"
  }'

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Response Example

{
  "type": "transfer",
  "id": "trxn_34LGGAWJgBGs4vI9rYHzR7Lx42G",
  "quote": "quote_34LGFxjgPBqCwLXBX1AD1D8SXvv",
  "status": "created",
  "source": {
    "id": "bank_34LGFSCBNomvij564oMkdf9xtbz",
    "asset": "USD",
    "amount": "10000.00"
  },
  "destination": {
    "id": "bank_34LGFXmlQwaJb4GO3mzapUm78GI",
    "asset": "USD",
    "amount": "9999.00"
  },
  "depositInstructions": {
    "status": "ready",
    "data": [{
      "rail": "fedwire",
      "asset": "USD",
      "bank": {
        "bankName": "Lead Bank",
        "accountNumber": "1000682791",
        "routingNumber": "101206101",
        "address": {
          "streetLine1": "1801 Main St.",
          "city": "Kansas City",
          "state": "MO",
          "postalCode": "64108",
          "country": "US"
        }
      },
      "accountOwner": {
        "name": "Conduit Technology, Inc."
      },
      "reference": ""
    }]
  },
  "documents": [{"id": "doc_34LGD9hyXfhBKfFhrx2MX4fscza"}],
  "purpose": "PaymentsForGoodsOrServices",
  "reference": "INV-2024-001",
  "createdAt": "2025-10-20T18:35:40.147Z"
}
3

Send Funds Using Deposit Instructions

Use the deposit instructions from the response to send your USD payment to the specified bank account.
These instructions contain all the banking details required to fund your transaction — including the receiving bank’s name, routing or IBAN number, account number, account owner, and full address.
Always copy these details exactly as provided.
Each set of deposit instructions is unique to your transaction.
Any mismatch — such as an incorrect account number, missing payment reference, or incomplete beneficiary details — may cause delays or result in funds being returned.
Verify all fields carefully before sending the payment and keep a copy of your payment confirmation.
Cross-currency payments like USD → EUR are created with conversion transactions, not transfers. See Fiat Conversions.

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🎉 You’re Done!

You have successfully created your first same-currency fiat transfer transaction. What just happened:
  • Funds were withdrawn from your source bank account in USD
  • Conduit processed the payment
  • Funds were delivered to the destination bank account in USD

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What’s next

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What’s next

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API Reference

Check our API Reference to learn how to create fiat transfer transactions using our API.

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Support

Reach out to our support team to get help and share your feedback.
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