Send to any phone or wallet (instant, on-chain)

curl --request POST \
  --url https://api.rach.finance/caas/api/v1/transfers/send \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "idempotency_key": "txn_ref_abc123",
  "local_fiat_amount": "5500.00",
  "quote_id": "DIRECT_CRYPTO:USDC:0.50",
  "recipient_phone": "+2250700000002",
  "sender_phone": "+2250700000001",
  "target_token": "USDC"
}
'

import requests

url = "https://api.rach.finance/caas/api/v1/transfers/send"

payload = {
    "idempotency_key": "txn_ref_abc123",
    "local_fiat_amount": "5500.00",
    "quote_id": "DIRECT_CRYPTO:USDC:0.50",
    "recipient_phone": "+2250700000002",
    "sender_phone": "+2250700000001",
    "target_token": "USDC"
}
headers = {
    "X-API-Key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    idempotency_key: 'txn_ref_abc123',
    local_fiat_amount: '5500.00',
    quote_id: 'DIRECT_CRYPTO:USDC:0.50',
    recipient_phone: '+2250700000002',
    sender_phone: '+2250700000001',
    target_token: 'USDC'
  })
};

fetch('https://api.rach.finance/caas/api/v1/transfers/send', 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.rach.finance/caas/api/v1/transfers/send",
  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([
    'idempotency_key' => 'txn_ref_abc123',
    'local_fiat_amount' => '5500.00',
    'quote_id' => 'DIRECT_CRYPTO:USDC:0.50',
    'recipient_phone' => '+2250700000002',
    'sender_phone' => '+2250700000001',
    'target_token' => 'USDC'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-API-Key: <api-key>"
  ],
]);

$response = curl_exec($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.rach.finance/caas/api/v1/transfers/send"

	payload := strings.NewReader("{\n  \"idempotency_key\": \"txn_ref_abc123\",\n  \"local_fiat_amount\": \"5500.00\",\n  \"quote_id\": \"DIRECT_CRYPTO:USDC:0.50\",\n  \"recipient_phone\": \"+2250700000002\",\n  \"sender_phone\": \"+2250700000001\",\n  \"target_token\": \"USDC\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-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.rach.finance/caas/api/v1/transfers/send")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotency_key\": \"txn_ref_abc123\",\n  \"local_fiat_amount\": \"5500.00\",\n  \"quote_id\": \"DIRECT_CRYPTO:USDC:0.50\",\n  \"recipient_phone\": \"+2250700000002\",\n  \"sender_phone\": \"+2250700000001\",\n  \"target_token\": \"USDC\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.rach.finance/caas/api/v1/transfers/send")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotency_key\": \"txn_ref_abc123\",\n  \"local_fiat_amount\": \"5500.00\",\n  \"quote_id\": \"DIRECT_CRYPTO:USDC:0.50\",\n  \"recipient_phone\": \"+2250700000002\",\n  \"sender_phone\": \"+2250700000001\",\n  \"target_token\": \"USDC\"\n}"

response = http.request(request)
puts response.read_body

{
  "created_at": "<string>",
  "message": "<string>",
  "recipient_status": "EXISTING",
  "status": "<string>",
  "transfer_id": "<string>"
}

{}

{}

{}

{}

{}

{}

B2B - Transfers

Send to any phone or wallet (instant, on-chain)

Moves USDC between two customer SCWs on Polygon PoS via an ERC-4337 UserOperation. Settlement is on-chain and final within seconds — no banks, no correspondents, no cut-off times.

Addressing: sender_phone and recipient_phone each accept EITHER an E.164 phone number (+2250700000001) OR a 0x-prefixed 40-character SCW wallet address — the format is auto-detected, so there is no separate field to learn. Use whichever identifier you already have for that party.

Sender must be a user affiliated with your business (provisioned under or adopted by your account).

Recipient can be ANY phone number or existing wallet address — system-wide, merchant-agnostic. If the recipient belongs to another business, their business is notified by webhook. If addressed by phone and that number has never been provisioned by anyone, Rach creates an unaffiliated wallet on the fly (recipient_status: PROVISIONED_ON_THE_FLY) and notifies the recipient by SMS with instructions to access their money via Rach’s USSD service. Addressing by wallet address requires that wallet to already exist — it cannot be auto-provisioned, since there’s no phone number to derive a fresh identity from.

For fiat-denominated transfers supply a valid quote_id from POST /v1/fx/quote. For direct crypto amounts use quote_id format DIRECT_CRYPTO:USDC:{amount} (e.g. DIRECT_CRYPTO:USDC:10.50). AML daily/monthly limits apply per sender.

POST

transfers

send

Send to any phone or wallet (instant, on-chain)

curl --request POST \
  --url https://api.rach.finance/caas/api/v1/transfers/send \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "idempotency_key": "txn_ref_abc123",
  "local_fiat_amount": "5500.00",
  "quote_id": "DIRECT_CRYPTO:USDC:0.50",
  "recipient_phone": "+2250700000002",
  "sender_phone": "+2250700000001",
  "target_token": "USDC"
}
'

import requests

url = "https://api.rach.finance/caas/api/v1/transfers/send"

payload = {
    "idempotency_key": "txn_ref_abc123",
    "local_fiat_amount": "5500.00",
    "quote_id": "DIRECT_CRYPTO:USDC:0.50",
    "recipient_phone": "+2250700000002",
    "sender_phone": "+2250700000001",
    "target_token": "USDC"
}
headers = {
    "X-API-Key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    idempotency_key: 'txn_ref_abc123',
    local_fiat_amount: '5500.00',
    quote_id: 'DIRECT_CRYPTO:USDC:0.50',
    recipient_phone: '+2250700000002',
    sender_phone: '+2250700000001',
    target_token: 'USDC'
  })
};

fetch('https://api.rach.finance/caas/api/v1/transfers/send', 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.rach.finance/caas/api/v1/transfers/send",
  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([
    'idempotency_key' => 'txn_ref_abc123',
    'local_fiat_amount' => '5500.00',
    'quote_id' => 'DIRECT_CRYPTO:USDC:0.50',
    'recipient_phone' => '+2250700000002',
    'sender_phone' => '+2250700000001',
    'target_token' => 'USDC'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-API-Key: <api-key>"
  ],
]);

$response = curl_exec($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.rach.finance/caas/api/v1/transfers/send"

	payload := strings.NewReader("{\n  \"idempotency_key\": \"txn_ref_abc123\",\n  \"local_fiat_amount\": \"5500.00\",\n  \"quote_id\": \"DIRECT_CRYPTO:USDC:0.50\",\n  \"recipient_phone\": \"+2250700000002\",\n  \"sender_phone\": \"+2250700000001\",\n  \"target_token\": \"USDC\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-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.rach.finance/caas/api/v1/transfers/send")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotency_key\": \"txn_ref_abc123\",\n  \"local_fiat_amount\": \"5500.00\",\n  \"quote_id\": \"DIRECT_CRYPTO:USDC:0.50\",\n  \"recipient_phone\": \"+2250700000002\",\n  \"sender_phone\": \"+2250700000001\",\n  \"target_token\": \"USDC\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.rach.finance/caas/api/v1/transfers/send")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotency_key\": \"txn_ref_abc123\",\n  \"local_fiat_amount\": \"5500.00\",\n  \"quote_id\": \"DIRECT_CRYPTO:USDC:0.50\",\n  \"recipient_phone\": \"+2250700000002\",\n  \"sender_phone\": \"+2250700000001\",\n  \"target_token\": \"USDC\"\n}"

response = http.request(request)
puts response.read_body

{
  "created_at": "<string>",
  "message": "<string>",
  "recipient_status": "EXISTING",
  "status": "<string>",
  "transfer_id": "<string>"
}

{}

{}

{}

{}

{}

{}

Authorizations

X-API-Key

string

header

required

Your Rach B2B API key. Use rach_sk_live_* for production (on-chain) or rach_sk_test_* for sandbox (no-chain simulation).

Body

application/json

Transfer payload

idempotency_key

string

required

Example:

"txn_ref_abc123"

local_fiat_amount

string

required

Example:

"5500.00"

quote_id

string

required

Example:

"DIRECT_CRYPTO:USDC:0.50"

recipient_phone

string

required

RecipientPhone identifies the recipient — same dual format. Addressing by phone allows on-the-fly provisioning for a never-seen number; addressing by wallet address requires that wallet to already exist.

Example:

"+2250700000002"

sender_phone

string

required

SenderPhone identifies the sender — accepts EITHER an E.164 phone number (+2250700000001) OR a 0x-prefixed wallet address. No separate field needed: the format is auto-detected.

Example:

"+2250700000001"

target_token

enum<string>

required

Available options:

USDT,

USDC

Example:

"USDC"

Response

Accepted

created_at

string

message

string

recipient_status

string

RecipientStatus is "EXISTING" when the recipient already had a wallet, or "PROVISIONED_ON_THE_FLY" when Rach auto-created an unaffiliated wallet for their phone number (recipient gets an SMS with USSD access instructions).

Example:

"EXISTING"

status

string

transfer_id

string

⌘I

Overview

B2B - FX

Swaps

B2B - Transfers

B2B - Users

Send to any phone or wallet (instant, on-chain)

Authorizations

Body

Response