> ## Documentation Index > Fetch the complete documentation index at: https://docs.rach.finance/llms.txt > Use this file to discover all available pages before exploring further. # Send crypto from customer wallet > Broadcasts a signed blockchain transaction from the customer's derived address at the given index. **`amount` format (default):** Pass the value as a JSON string representing a **human-readable coin amount**. A bare integer and a decimal mean the same thing — whole coins: - `"2.5"` on ETH → 2.5 ETH - `"100"` on USDT → 100 USDT - `"0.001"` on BTC → 0.001 BTC > ⚠️ **Breaking change (2026-07):** a bare integer like `"5"` is now **5 whole coins** (e.g. 5 BTC), > NOT raw base units. Integrations that previously sent pre-converted base units > (wei/lamports/satoshis/drops) as a bare integer **must** now set `"unit": "base"` (below), > or send a decimal string. This removes the prior footgun where `"100"` USDT silently meant dust. **Base units (opt-in):** set `"unit": "base"` to pass a pre-converted **positive integer** in the smallest unit (wei/satoshi/lamport/drop); it is used as-is. A decimal point is rejected in this mode. Decimal precision per network/currency (used for decimal→base conversion): | Network | Currency | Decimals | Example: 1 unit in base units | |---------|----------|----------|-----------------| | ETH | ETH | 18 | `"1000000000000000000"` | | ETH | USDT, USDC | 6 | `"1000000"` | | BSC | BNB | 18 | `"1000000000000000000"` | | BSC | USDT, USDC | **18** | `"1000000000000000000"` | | POL | POL | 18 | `"1000000000000000000"` | | POL | USDT, USDC | **6** | `"1000000"` | | TRX | TRX, USDT | 6 | `"1000000"` | | SOL | SOL | 9 | `"1000000000"` | | SOL | USDC | 6 | `"1000000"` | | BTC, LTC, BCH | native | 8 | `"100000000"` | | XRP | XRP | 6 | `"1000000"` | > BSC USDT/USDC = 18 decimals (Binance-pegged). POL USDT/USDC = 6 decimals (Polygon PoS bridged tokens). **XRP note:** for XRP transfers you may pass `destination_tag` (integer). Most exchanges **require** a destination tag to credit XRP deposits — omitting it can make the funds uncreditable. The server also rejects a first payment to an unactivated destination below the ~1 XRP base reserve. Requires `wallet:transfer` permission. **Blocked combinations — returns 400:** - `SOL` + `USDT` — USDT does not exist as a native SPL token on Solana - `TRX` + `USDC` — USDC does not exist as a TRC-20 token on Tron **Fee collection:** If the merchant has configured a WaaS fee (via `POST /api/v1/settings/waas/fees`), the fee is automatically deducted from the transfer amount and sent on-chain to the merchant's configured address. The response includes `fee_amount` and `fee_tx_hash` when a fee was collected. For UTXO chains (BTC/LTC/BCH) the fee is a third output in the same transaction (`fee_tx_hash` is empty). For all other chains the fee is a second transaction. ## OpenAPI ````yaml /api-reference/openapi.json post /api/v1/wallet/{customerID}/transfer openapi: 3.0.3 info: contact: email: support@rachfinance.com name: Rach Finance Support description: > Complete REST API for the Rach Finance platform — covering authentication, KYC, crypto payment gateway, Wallet-as-a-Service (WaaS) HD wallets, remittance/FX transfers, OTC trading, virtual accounts, analytics, webhooks, push notifications, and all admin operations. ## Authentication Three authentication methods are supported depending on the endpoint group: | Method | Header | Used For | |--------|--------|----------| | JWT Bearer | `Authorization: Bearer ` | Dashboard / user-facing endpoints | | API Key | `X-API-Key: ` | Server-to-server integrations (remittance, checkout, WaaS) | | Admin Token | `X-Admin-Token: ` | Admin-only operations | ## API Key Environments Every business has two server-to-server API keys. The key **prefix is authoritative** — the environment is determined by which key you send, not a toggle in your dashboard: | Prefix | Type | Behaviour | |--------|------|-----------| | `test_sk_` | Test (sandbox) | Testnet addresses, no real funds move, no blockchain confirmations needed | | `live_sk_` | Production | Mainnet addresses, real transactions, webhooks fire on real confirmations | **Use the same code path for both environments** — swap the key, not the logic. The `is_test_mode` flag is locked onto every checkout session and wallet operation at the moment the request is authenticated, so mode cannot drift mid-flow even if you later toggle sandbox mode in the dashboard. Sandbox toggle (`POST /api/v1/api-keys/toggle-sandbox`) only affects legacy keys (no prefix). If you use prefixed keys it has no effect. ## Base URL `https://api.rach.finance/api/v1/` (Rach CaaS — Card-as-a-Service — is served separately at `https://api.rach.finance/caas/api/v1/`.) ## Official SDKs Client libraries covering every endpoint on this page: | Language | Install | Source | |----------|---------|--------| | **JavaScript / Node** | `npm install rachfinance` | `sdk/javascript/` | | **Python** | `pip install rachfinance` | `sdk/python/` | | **Go** | `go get github.com/rach-finance/rachfinance-go` | `sdk/go/` | | **Flutter / Dart** | add `rachfinance` to `pubspec.yaml` | `sdk/flutter/` | **JavaScript quick start:** ```js const RachFinance = require('rachfinance'); const rach = new RachFinance({ apiKey: 'live_sk_...' }); const session = await rach.checkout.create({ amount: 100, currency: 'USD', customerEmail: 'user@example.com', reference: 'ORDER-001' }); ``` **Python quick start:** ```python from rachfinance import RachFinance rach = RachFinance(api_key='live_sk_...') session = rach.checkout.create(amount=100, currency='USD', customer_email='user@example.com', reference='ORDER-001') ``` **Go quick start:** ```go c, _ := rachfinance.New(rachfinance.WithAPIKey("live_sk_...")) session, err := c.Checkout.Create(ctx, rachfinance.CreateCheckoutRequest{ Amount: 100, Currency: "USD", CustomerEmail: "user@example.com", Reference: "ORDER-001", }) ``` **Flutter quick start:** ```dart final rach = RachFinance(apiKey: 'live_sk_...'); final session = await rach.checkout.create( amount: 100, currency: 'USD', customerEmail: 'user@example.com', reference: 'ORDER-001'); ``` ## Common Error Format ```json { "error": "Human-readable error message" } ``` title: Rach Finance API version: 1.0.0 servers: - description: Production url: https://api.rach.finance - description: Local development url: http://localhost:8080 security: [] tags: - name: Checkout (Crypto Gateway) - name: WaaS (Wallet-as-a-Service) - description: > Unified token swap API for merchants. Same-chain swaps on POL/BSC are executed via the Rach FiatSwapV2 smart contract; cross-chain pairs are routed through LiFi. Merchants consume one API — routing is invisible to them. **Auth:** Quote is public. Execute and history require `X-API-Key`. name: Swap - description: > Real-time crypto market data service — included with every merchant account. Prices for 100+ coins served from Rach's edge cache with no additional setup required. **Auth:** `X-API-Key` or `Authorization: Bearer `. Health check is public. **Rate limit:** 120 REST requests per merchant per minute. **WebSocket:** Connect to `/v1/market/ws?key=`, send a subscribe message, then receive a snapshot immediately followed by real-time price ticks as they change. name: Market Data paths: /api/v1/wallet/{customerID}/transfer: post: tags: - WaaS (Wallet-as-a-Service) summary: Send crypto from customer wallet description: > Broadcasts a signed blockchain transaction from the customer's derived address at the given index. **`amount` format (default):** Pass the value as a JSON string representing a **human-readable coin amount**. A bare integer and a decimal mean the same thing — whole coins: - `"2.5"` on ETH → 2.5 ETH - `"100"` on USDT → 100 USDT - `"0.001"` on BTC → 0.001 BTC > ⚠️ **Breaking change (2026-07):** a bare integer like `"5"` is now **5 whole coins** (e.g. 5 BTC), > NOT raw base units. Integrations that previously sent pre-converted base units > (wei/lamports/satoshis/drops) as a bare integer **must** now set `"unit": "base"` (below), > or send a decimal string. This removes the prior footgun where `"100"` USDT silently meant dust. **Base units (opt-in):** set `"unit": "base"` to pass a pre-converted **positive integer** in the smallest unit (wei/satoshi/lamport/drop); it is used as-is. A decimal point is rejected in this mode. Decimal precision per network/currency (used for decimal→base conversion): | Network | Currency | Decimals | Example: 1 unit in base units | |---------|----------|----------|-----------------| | ETH | ETH | 18 | `"1000000000000000000"` | | ETH | USDT, USDC | 6 | `"1000000"` | | BSC | BNB | 18 | `"1000000000000000000"` | | BSC | USDT, USDC | **18** | `"1000000000000000000"` | | POL | POL | 18 | `"1000000000000000000"` | | POL | USDT, USDC | **6** | `"1000000"` | | TRX | TRX, USDT | 6 | `"1000000"` | | SOL | SOL | 9 | `"1000000000"` | | SOL | USDC | 6 | `"1000000"` | | BTC, LTC, BCH | native | 8 | `"100000000"` | | XRP | XRP | 6 | `"1000000"` | > BSC USDT/USDC = 18 decimals (Binance-pegged). POL USDT/USDC = 6 decimals (Polygon PoS bridged tokens). **XRP note:** for XRP transfers you may pass `destination_tag` (integer). Most exchanges **require** a destination tag to credit XRP deposits — omitting it can make the funds uncreditable. The server also rejects a first payment to an unactivated destination below the ~1 XRP base reserve. Requires `wallet:transfer` permission. **Blocked combinations — returns 400:** - `SOL` + `USDT` — USDT does not exist as a native SPL token on Solana - `TRX` + `USDC` — USDC does not exist as a TRC-20 token on Tron **Fee collection:** If the merchant has configured a WaaS fee (via `POST /api/v1/settings/waas/fees`), the fee is automatically deducted from the transfer amount and sent on-chain to the merchant's configured address. The response includes `fee_amount` and `fee_tx_hash` when a fee was collected. For UTXO chains (BTC/LTC/BCH) the fee is a third output in the same transaction (`fee_tx_hash` is empty). For all other chains the fee is a second transaction. parameters: - in: path name: customerID required: true schema: type: string requestBody: content: application/json: schema: $ref: '#/components/schemas/TransferRequest' required: true responses: '200': content: application/json: schema: properties: amount: description: Amount sent to recipient in base units (gross minus fee) type: string currency: example: USDT type: string fee_amount: description: Fee collected in base units (omitted if no fee configured) example: '1000000' type: string fee_tx_hash: description: > Hash of the fee collection transaction (omitted if no fee). Empty string for UTXO chains (BTC/LTC/BCH) where the fee is part of the main transaction. type: string from_address: description: Sender address (derived customer wallet address) type: string gas_fee: description: Network gas fee paid in base units (native token) type: string network: example: ETH type: string status: example: pending type: string timestamp: format: date-time type: string to_address: description: Recipient address type: string tx_hash: description: Main transaction hash example: 0xabc123... type: string type: object description: Transfer submitted to the network '400': content: application/json: schema: properties: error: example: >- USDT is not supported on Solana — use USDT on ETH, BSC, POL, or TRX type: string type: object description: Invalid request or blocked currency/network combination '500': description: >- Broadcast failed — insufficient funds, no UTXOs, unfunded account, RPC error security: - ApiKeyAuth: [] components: schemas: TransferRequest: properties: amount: description: > Amount to transfer as a string. By default this is a HUMAN-READABLE coin amount — "2.5" = 2.5 coins, "100" = 100 coins (a bare integer and a decimal mean the same thing). Set `unit: "base"` to instead pass a pre-converted integer in the smallest unit (wei/satoshi/lamport/drop). Must be positive; zero, negative, or unparseable values return 400. example: '2.5' type: string currency: example: USDT type: string destination_tag: description: > XRP only. Optional destination tag — REQUIRED by most exchanges to credit an XRP deposit. Ignored for non-XRP networks. example: 12345 type: integer index: default: 0 description: Address derivation index type: integer network: enum: - BTC - BCH - LTC - BSC - ETH - POL - TRX - SOL - XRP type: string to_address: type: string unit: default: decimal description: > Interpretation of `amount`. "decimal" (default) = human-readable coin amount. "base" = raw base units (integer only, used as-is). Omit for the safe default. enum: - decimal - base type: string required: - network - currency - to_address - amount type: object securitySchemes: ApiKeyAuth: description: | Business API key for server-to-server integrations. Key prefix determines the environment — no separate flag needed: `test_sk_*` = sandbox/testnet, `live_sk_*` = production/mainnet. in: header name: X-API-Key type: apiKey ````