Send crypto from customer wallet

curl --request POST \
  --url https://api.rach.finance/api/v1/wallet/{customerID}/transfer \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "amount": "2.5",
  "currency": "USDT",
  "to_address": "<string>",
  "destination_tag": 12345,
  "index": 0,
  "unit": "decimal"
}
'

import requests

url = "https://api.rach.finance/api/v1/wallet/{customerID}/transfer"

payload = {
    "amount": "2.5",
    "currency": "USDT",
    "to_address": "<string>",
    "destination_tag": 12345,
    "index": 0,
    "unit": "decimal"
}
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({
    amount: '2.5',
    currency: 'USDT',
    to_address: '<string>',
    destination_tag: 12345,
    index: 0,
    unit: 'decimal'
  })
};

fetch('https://api.rach.finance/api/v1/wallet/{customerID}/transfer', 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/api/v1/wallet/{customerID}/transfer",
  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([
    'amount' => '2.5',
    'currency' => 'USDT',
    'to_address' => '<string>',
    'destination_tag' => 12345,
    'index' => 0,
    'unit' => 'decimal'
  ]),
  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/api/v1/wallet/{customerID}/transfer"

	payload := strings.NewReader("{\n  \"amount\": \"2.5\",\n  \"currency\": \"USDT\",\n  \"to_address\": \"<string>\",\n  \"destination_tag\": 12345,\n  \"index\": 0,\n  \"unit\": \"decimal\"\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/api/v1/wallet/{customerID}/transfer")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": \"2.5\",\n  \"currency\": \"USDT\",\n  \"to_address\": \"<string>\",\n  \"destination_tag\": 12345,\n  \"index\": 0,\n  \"unit\": \"decimal\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.rach.finance/api/v1/wallet/{customerID}/transfer")

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  \"amount\": \"2.5\",\n  \"currency\": \"USDT\",\n  \"to_address\": \"<string>\",\n  \"destination_tag\": 12345,\n  \"index\": 0,\n  \"unit\": \"decimal\"\n}"

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

{
  "amount": "<string>",
  "currency": "USDT",
  "fee_amount": "1000000",
  "fee_tx_hash": "<string>",
  "from_address": "<string>",
  "gas_fee": "<string>",
  "network": "ETH",
  "status": "pending",
  "timestamp": "2023-11-07T05:31:56Z",
  "to_address": "<string>",
  "tx_hash": "0xabc123..."
}

{
  "error": "USDT is not supported on Solana — use USDT on ETH, BSC, POL, or TRX"
}

WaaS (Wallet-as-a-Service)

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.

POST

api

wallet

{customerID}

transfer

Send crypto from customer wallet

curl --request POST \
  --url https://api.rach.finance/api/v1/wallet/{customerID}/transfer \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "amount": "2.5",
  "currency": "USDT",
  "to_address": "<string>",
  "destination_tag": 12345,
  "index": 0,
  "unit": "decimal"
}
'

import requests

url = "https://api.rach.finance/api/v1/wallet/{customerID}/transfer"

payload = {
    "amount": "2.5",
    "currency": "USDT",
    "to_address": "<string>",
    "destination_tag": 12345,
    "index": 0,
    "unit": "decimal"
}
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({
    amount: '2.5',
    currency: 'USDT',
    to_address: '<string>',
    destination_tag: 12345,
    index: 0,
    unit: 'decimal'
  })
};

fetch('https://api.rach.finance/api/v1/wallet/{customerID}/transfer', 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/api/v1/wallet/{customerID}/transfer",
  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([
    'amount' => '2.5',
    'currency' => 'USDT',
    'to_address' => '<string>',
    'destination_tag' => 12345,
    'index' => 0,
    'unit' => 'decimal'
  ]),
  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/api/v1/wallet/{customerID}/transfer"

	payload := strings.NewReader("{\n  \"amount\": \"2.5\",\n  \"currency\": \"USDT\",\n  \"to_address\": \"<string>\",\n  \"destination_tag\": 12345,\n  \"index\": 0,\n  \"unit\": \"decimal\"\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/api/v1/wallet/{customerID}/transfer")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": \"2.5\",\n  \"currency\": \"USDT\",\n  \"to_address\": \"<string>\",\n  \"destination_tag\": 12345,\n  \"index\": 0,\n  \"unit\": \"decimal\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.rach.finance/api/v1/wallet/{customerID}/transfer")

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  \"amount\": \"2.5\",\n  \"currency\": \"USDT\",\n  \"to_address\": \"<string>\",\n  \"destination_tag\": 12345,\n  \"index\": 0,\n  \"unit\": \"decimal\"\n}"

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

{
  "amount": "<string>",
  "currency": "USDT",
  "fee_amount": "1000000",
  "fee_tx_hash": "<string>",
  "from_address": "<string>",
  "gas_fee": "<string>",
  "network": "ETH",
  "status": "pending",
  "timestamp": "2023-11-07T05:31:56Z",
  "to_address": "<string>",
  "tx_hash": "0xabc123..."
}

{
  "error": "USDT is not supported on Solana — use USDT on ETH, BSC, POL, or TRX"
}

Authorizations

X-API-Key

string

header

required

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.

Path Parameters

customerID

string

required

Body

application/json

amount

string

required

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"

currency

string

required

Example:

"USDT"

network

enum<string>

required

Available options:

BTC,

BCH,

LTC,

BSC,

ETH,

POL,

TRX,

SOL,

XRP

to_address

string

required

destination_tag

integer

XRP only. Optional destination tag — REQUIRED by most exchanges to credit an XRP deposit. Ignored for non-XRP networks.

Example:

12345

index

integer

default:0

Address derivation index

unit

enum<string>

default:decimal

Interpretation of amount. "decimal" (default) = human-readable coin amount. "base" = raw base units (integer only, used as-is). Omit for the safe default.

Available options:

decimal,

base

Response

Transfer submitted to the network

amount

string

Amount sent to recipient in base units (gross minus fee)

currency

string

Example:

"USDT"

fee_amount

string

Fee collected in base units (omitted if no fee configured)

Example:

"1000000"

fee_tx_hash

string

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.

from_address

string

Sender address (derived customer wallet address)

gas_fee

string

Network gas fee paid in base units (native token)

network

string

Example:

"ETH"

status

string

Example:

"pending"

timestamp

string<date-time>

to_address

string

Recipient address

tx_hash

string

Main transaction hash

Example:

"0xabc123..."

⌘I

Overview

Checkout (Crypto Gateway)

Swap

WaaS (Wallet-as-a-Service)

Market Data

Send crypto from customer wallet

Authorizations

Path Parameters

Body

Response