{
"transfer_id": "2a7b9c1d-4e5f-6a70-8b9c-0d1e2f3a4b5c",
"from_account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
"to_account_id": "5e6f7a8b-9c0d-1e2f-3a4b-5c6d7e8f9a0b",
"asset": "USDT",
"amount": "25.000000",
"description": "费用分摊",
"status": "completed",
"created_at": "2026-07-07T12:00:00Z",
"idempotency_hit": true
}{
"transfer_id": "2a7b9c1d-4e5f-6a70-8b9c-0d1e2f3a4b5c",
"from_account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
"to_account_id": "5e6f7a8b-9c0d-1e2f-3a4b-5c6d7e8f9a0b",
"asset": "USDT",
"amount": "25.000000",
"description": "费用分摊",
"status": "completed",
"created_at": "2026-07-07T12:00:00Z"
}{
"error": "invalid_json",
"message": "request body is not valid JSON: unknown field"
}{
"error": "unauthorized",
"message": "invalid or missing credentials"
}{
"error": "insufficient_funds",
"message": "account balance is not enough for this operation"
}{
"error": "recipient_not_found",
"message": "no account matches that email"
}{
"error": "recipient_unavailable",
"message": "destination account cannot receive transfers"
}创建内部转账
在两个 CBPay 账户之间划转余额,原子执行且始终免费——任意组合皆可:个人对个人、个人对企业、企业对个人或企业对企业。支持十个虚拟余额(USD、USDT、USDC、BTC、GOLD、SILVER、PLATINUM、BOB、MXN、ARS),且始终在同一货币的余额之间进行(不做兑换)。目标通过 to_account_id、to_email、to_phone(仅 OTP 已验证的手机号)或 to_contact_id 解析。每笔转账都会自动把收款人保存为联系人(用 save_contact: false 退出)。收款方的 webhook 订阅者会收到 transfer_received。
{
"transfer_id": "2a7b9c1d-4e5f-6a70-8b9c-0d1e2f3a4b5c",
"from_account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
"to_account_id": "5e6f7a8b-9c0d-1e2f-3a4b-5c6d7e8f9a0b",
"asset": "USDT",
"amount": "25.000000",
"description": "费用分摊",
"status": "completed",
"created_at": "2026-07-07T12:00:00Z",
"idempotency_hit": true
}{
"transfer_id": "2a7b9c1d-4e5f-6a70-8b9c-0d1e2f3a4b5c",
"from_account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
"to_account_id": "5e6f7a8b-9c0d-1e2f-3a4b-5c6d7e8f9a0b",
"asset": "USDT",
"amount": "25.000000",
"description": "费用分摊",
"status": "completed",
"created_at": "2026-07-07T12:00:00Z"
}{
"error": "invalid_json",
"message": "request body is not valid JSON: unknown field"
}{
"error": "unauthorized",
"message": "invalid or missing credentials"
}{
"error": "insufficient_funds",
"message": "account balance is not enough for this operation"
}{
"error": "recipient_not_found",
"message": "no account matches that email"
}{
"error": "recipient_unavailable",
"message": "destination account cannot receive transfers"
}授权
会话 JWT(来自注册/登录)或 API key(pk_...)。
也接受 X-API-Key: <token> 作为替代请求头。
请求头
idempotency_key 请求体字段的替代方式。
请求体
正数十进制字符串,不超过该货币的小数位数(USD/BOB/MXN/ARS 为 2 位,USDT/USDC/GOLD/SILVER/PLATINUM 为 6 位,BTC 为 8 位)。
"10.500000"
目标账户的 E.164 手机号。只有 OTP 已验证手机号的账户能被解析(否则 404 recipient_not_found;若多个账户共用该号码则 422 recipient_ambiguous)。
直接发送给通讯录中的联系人(使用其关联的 CBPay 账户,或其已验证的手机号)。
目标账户的个人资料二维码令牌(从其 CBPay 二维码扫描)。也接受扩展的结账二维码载荷(cbpay:pay?to=…&checkout=…)——嵌入的结账令牌会自动生效。
可选的通用收款链接令牌,用于直接支付该链接。目的账户被强制为链接的账户,金额必须覆盖服务端以所选资产报价的应付额(否则返回 422 checkout_amount_mismatch 并附最新应付额)。完成后链接结清并自动兑换为其 settlement_asset。
要划转的余额币种;接收方以同一币种入账。省略时使用付款方的结算资产(USD 为主资产)。
USD, USDT, USDC, BTC, GOLD, SILVER, PLATINUM, BOB, MXN, ARS 收款目的地会自动保存为联系人;传 false 可跳过。