End-to-end Payment Flow

Send a payment from wallet setup through settlement and reconciliation.

Follow one payment through its lifecycle:

  1. Create or pick the source wallet. Create a custody wallet with Set Up Wallets, or find one with GET /v1/wallets. Note its id (cwlt_…).
  2. Build the transfer. Collect the destination address, token and amount, and check them before you send. See Basic payment.
  3. Send it. Call POST /v1/payments/transfers with a new Idempotency-Key. SDP builds the transaction, has the source wallet's custody provider sign it, and submits it.
  4. Keep the identifiers. Store the transfer id (xfr_…) and its signature with your own record.
  5. Wait for finality. A successful request answers finalized. If it answers processing, read GET /v1/payments/transfers/{transferId} until it settles. See Verifying a payment.
  6. Reconcile. Match the transfer to your ledger and update what your users see. See Indexing and reconciliation.

The Payments API reference and Wallets API reference have each endpoint's request and response.