Wallet transfers

Transfer money from your customer's wallet to any Neo Wallet

POST/api/v1/tenant/wallet-transfers

Scope wallet-transfers:write · Write — send Idempotency-Key and X-Request-Id

Moves the amount from your customer's wallet immediately, to the wallet with destinationAccountNumber: any Neo Wallet (p2p) or your business collection wallet (merchant). No payment provider is involved. Confirm the payee first with GET /wallets/lookup. The assertion is the sending customer's, is validated on every call and must be bound to this request, with destinationAccountNumber as the binding target (see the Customer authentication guide); above the 2FA threshold of the sender's KYC level both factors are required. The source wallet must be one you can see — anything else is a 404 — and its profile must allow transfers. An account number that is not 13 digits with a valid check digit is a 400. The transfer is all-or-nothing: a payee that cannot receive it, a limit, a profile or available funds short of the amount plus any fee are a 422 and nothing moves. The response state is terminal immediately and transfer.completed is delivered to your webhook.

Request body

Field	Type	Required	Description
sourceWalletUid	string	yes	The wallet to take the money from; one of your customers' wallets.
destinationAccountNumber	string	yes	The account number of the wallet to pay: any Neo Wallet for a p2p transfer, your business collection wallet for a merchant one. 13 digits, the last a check digit.
amount	string	yes	A positive amount with at most two decimal places.
currency	string	yes	ISO-4217; must equal both wallets' currency.
transferCategory	enum	yes	p2p pays another customer's wallet; merchant pays a business collection wallet. Each counts against its own daily limit of the sender's KYC level. One of p2p, merchant.
clientReference	string	yes	Your own reference; stored and returned verbatim, never interpreted; unique within your account.
assertion	object	yes	The sending customer's authentication for this transfer.
assertion.customerUid	string	yes	The customer who authenticated.
assertion.identifierUid	object	no	The customer identifier the customer authenticated with, if known.
assertion.assuranceLevel	enum	yes	How strongly your channel authenticated the customer. One of single_factor, two_factor, step_up.
assertion.factor1Type	string	yes	The first factor used, e.g. pin, password, biometric. At most 32 characters.
assertion.factor2Type	object	no	Required unless assuranceLevel is single_factor. At most 32 characters.
assertion.authenticatedAt	string	yes	ISO-8601 — when the customer authenticated.
assertion.expiresAt	string	yes	ISO-8601; by default at most 10 minutes after authenticatedAt. An expired assertion is refused (422).
assertion.channelCode	string	yes	Your channel the customer authenticated on. At most 40 characters.
assertion.deviceHash	object	no	SHA-256 hex of the device fingerprint, if your channel has one.
assertion.sourceReference	string	yes	Opaque channel evidence reference (a session or login id). Presenting one again while it is live is allowed only for the same customer. At most 160 characters.
assertion.transactionBinding	object	no	Hash your channel computed over the request this assertion authorizes; a mismatch with the request received is refused.
assertion.transactionBinding.hash	string	yes	SHA-256 hex (64 characters) over the canonical string of this request.
assertion.transactionBinding.algorithm	enum	yes	One of sha256.
assertion.transactionBinding.canonical	enum	yes	The field template hashed: the six values joined with |, UTF-8. The fifth is the payout destination, the mandate for a debit, or empty; clientReference is empty when absent. One of `customerUid

Example (placeholder values)

{
  "sourceWalletUid": "01J9Z3K5X8QW2R4T6V8Y0B1C3D",
  "destinationAccountNumber": "6695731439148",
  "amount": "1000.00",
  "currency": "ETB",
  "transferCategory": "p2p",
  "clientReference": "string",
  "assertion": {
    "customerUid": "01J9Z3K5X8QW2R4T6V8Y0B1C3D",
    "assuranceLevel": "single_factor",
    "factor1Type": "string",
    "authenticatedAt": "2026-09-03T10:15:30.000Z",
    "expiresAt": "2026-09-03T10:15:30.000Z",
    "channelCode": "string",
    "sourceReference": "string"
  }
}

Response · 201

Field	Type	Description
uid	string
type	string	Operation type, e.g. wallet_credit, wallet_debit, payout_b2c or topup_c2b.
state	string	Operation state: created, awaiting_authorization, authorized, held, processing, pending_provider, confirmed, failed, reversed or completed.
amount	string	A decimal amount with two decimal places.
fee	string	A decimal amount with two decimal places.
tax	string	A decimal amount with two decimal places.
currency	string	ISO-4217.
clientReference	string | null	Your reference, exactly as you supplied it.
sourceWalletUid	string | null	Wallet transfers only: the wallet the money left.
destinationAccountNumber	string | null	Wallet transfers only: the account number the money was sent to.
createdAt	string
completedAt	string | null	When the operation first reached a final state.
links	object
links.self	string	API-relative path of this operation (GET /tenant/operations/{uid}).
links.receipt	string	API-relative path of its receipt (GET /tenant/operations/{uid}/receipt).

Example (placeholder values)

{
  "uid": "01J9Z3K5X8QW2R4T6V8Y0B1C3D",
  "type": "string",
  "state": "string",
  "amount": "2500.00",
  "fee": "12.50",
  "tax": "1.88",
  "currency": "ETB",
  "clientReference": "string",
  "sourceWalletUid": "01J9Z3K5X8QW2R4T6V8Y0B1C3D",
  "destinationAccountNumber": "string",
  "createdAt": "2026-09-03T10:15:30.000Z",
  "completedAt": "2026-09-03T10:15:30.000Z",
  "links": {
    "self": "string",
    "receipt": "string"
  }
}

Errors

400 401 403 404 409 422 429 500 503 — one body shape for all of them, see Errors.