> ## Documentation Index
> Fetch the complete documentation index at: https://docs.conduit.financial/llms.txt
> Use this file to discover all available pages before exploring further.

# Fiat Transfer Transaction

> This guide shows how to create your first fiat transfer transaction on Conduit using the Transaction API.

## 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/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.

## **Fiat-to-Fiat Transfers (Same Currency)**

<Steps>
  <Step title="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.

    ### Request Example

    ```bash theme={null}
    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"
        }
      }'

    ```

    ### Response Example

    ```json theme={null}
    {
      "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"
    }

    ```

    <Note>
      Keep the **quote ID** handy — it’s required to create the transaction.
    </Note>
  </Step>

  <Step title="Create a fiat transfer transaction">
    To create the transaction, use the`/transactions`endpoint and include the previously generated quote ID. This will create the transfer transaction for the given quote.

    ### Request Example

    ```bash theme={null}
    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"
      }'
    ```

    ### Response Example

    ```json theme={null}
    {
      "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"
    }

    ```
  </Step>

  <Step title="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.**

    <Warning>
      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.
    </Warning>
  </Step>
</Steps>

<Note>
  Cross-currency payments like USD → EUR are created with conversion transactions, not transfers. See [Fiat Conversions](/core-concepts/transactions/fiat-conversions).
</Note>

## Summary

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

## What's next?

* Create cross-currency payments using [Fiat Conversions](/core-concepts/transactions/fiat-conversions)

## API Reference

Check our [API Reference](/api-reference/transactions/create-a-transaction) to learn how to create fiat transfer transactions using our API.

## Support

Reach out to our [support team](https://support.conduitpay.com/) to get help and share your feedback.