> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a swap > Converts balance between two of your currencies, synchronously and atomically — your balance changes instantly and the money never leaves your account (no OTP). Volatile pairs (BTC/GOLD) share the per-operation and 24h volume limits with payouts and card purchases. Requires an idempotency key: replaying returns the original swap and never re-executes. ## OpenAPI ````yaml /openapi.yaml post /v1/swaps openapi: 3.1.0 info: title: CBPay API version: '1.89' description: | CBPay is a multi-currency payment platform: fiat payouts and collections across Latin America, internal transfers, on-chain funding and withdrawals, and KYC screening. Every account holds four independent virtual balances — USDT (the operating currency), USDC, BTC and GOLD (grams of fine gold) — that never mix or convert automatically. Payouts and service fees can be paid from any of the four balances: set a default with `PUT /v1/settlement` or override per payout with `settlement_asset`. All amounts are decimal strings in each currency's precision (6 decimals for USDT/USDC/GOLD, 8 for BTC). Errors always return `{"error": "", "message": ""}`. servers: - url: https://api.qbank.cl/platform description: Live (production, real money) - url: https://cryptobank.qbank.cl/platform description: Test (sandbox, simulated money — pk_test_ keys) security: - bearerAuth: [] tags: - name: Receipts description: >- Branded PDF receipt per operation, with a public signed-QR authenticity check, receipt_url on every response/webhook and automatic email delivery on final states. - name: Authentication description: Register and log in account members. Sessions last 24 hours. - name: Account description: Profile, members and API keys of the calling account. - name: Balances description: Balances, movement history and FX rates. - name: Payouts description: >- Fiat dispersals debited from the settlement balance of your choice (USDT by default). - name: Payins description: Fiat top-ups credited to the USDT balance. - name: Transfers - name: Contacts - name: Swaps description: >- Free internal transfers between CBPay accounts (person or company, any combination). - name: Crypto description: On-chain funding and withdrawals (TRON, Ethereum and Bitcoin). - name: Segregated wallets description: >- On-chain wallets with their own balance (companies unlimited; persons 1 per network+asset pair) — create, import, send, export the private key and auto-forward. The balance lives on-chain, never in the ledger. - name: QR Crypto POS description: >- Amount-bearing crypto QR charges for processors with physical POS terminals (company accounts): verified merchants, exclusive address + QR per charge, early payment detection, per-merchant reconciliation and refunds over the crypto withdrawal rail. - name: KYC / KYB - name: AML screening description: >- Identity verification: KYC for persons, KYB for companies, with AML screening, rescreening and continuous monitoring. - name: Wallet screening description: >- AML risk assessment of blockchain addresses (sanctions, illicit-fund exposure) with a per-scan fee, plus free automatic protection on withdrawals and deposits. - name: Analytics - name: Webhooks description: Subscriptions to receive signed event notifications. - name: Status description: Service availability. - name: Banking description: >- Real bank accounts: receive, hold and send money over international banking rails. - name: Cards description: >- Virtual and physical cards that spend Just-In-Time from the account's USDT balance, with per-card spending limits. - name: Security (OTP) description: >- One-time verification codes over SMS/WhatsApp/email protecting sensitive actions, plus self-service 2FA preferences. Applies to user sessions only — API keys are exempt. - name: Passkeys description: >- Passwordless sign-in with the device's biometrics (Face ID, Touch ID, Windows Hello, security keys) via WebAuthn, authenticator apps (TOTP) with backup codes, and session/device management. - name: Social login description: >- Passwordless sign up and sign in with Google, Apple, Microsoft and Facebook via token exchange. The front end obtains the provider credential; the API verifies it and issues the CBPay session. paths: /v1/swaps: post: tags: - Swaps summary: Create a swap description: >- Converts balance between two of your currencies, synchronously and atomically — your balance changes instantly and the money never leaves your account (no OTP). Volatile pairs (BTC/GOLD) share the per-operation and 24h volume limits with payouts and card purchases. Requires an idempotency key: replaying returns the original swap and never re-executes. operationId: createSwap parameters: - $ref: '#/components/parameters/idempotencyKeyHeader' requestBody: required: true content: application/json: schema: type: object required: - from_asset - to_asset - amount properties: from_asset: type: string enum: - USDT - USDC - BTC - GOLD to_asset: type: string enum: - USDT - USDC - BTC - GOLD amount: type: string description: >- Amount in the source currency (6 decimals for USDT/USDC/GOLD, 8 for BTC). idempotency_key: type: string examples: usdt_btc: summary: USDT to BTC value: from_asset: USDT to_asset: BTC amount: '1000' idempotency_key: swap-2026-07-10-a cross: summary: Direct BTC to GOLD value: from_asset: BTC to_asset: GOLD amount: '0.01' idempotency_key: swap-2026-07-10-b stables: summary: USDT to USDC value: from_asset: USDT to_asset: USDC amount: '500' idempotency_key: swap-2026-07-10-c responses: '200': description: Idempotency replay (original swap, never re-executed). content: application/json: schema: $ref: '#/components/schemas/Swap' example: swap_id: 8a1b2c3d-4e5f-6a7b-8c9d-0e1f2a3b4c5d account_id: 9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d from_asset: USDT to_asset: BTC from_amount: '1000.000000' to_amount: '0.01568419' rate: '0.00001568' status: completed idempotency_key: swap-2026-07-10-a created_at: '2026-07-10T15:00:00Z' idempotency_hit: true '201': description: Swap executed (synchronous). content: application/json: schema: $ref: '#/components/schemas/Swap' example: swap_id: 8a1b2c3d-4e5f-6a7b-8c9d-0e1f2a3b4c5d account_id: 9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d from_asset: USDT to_asset: BTC from_amount: '1000.000000' to_amount: '0.01568419' rate: '0.00001568' status: completed idempotency_key: swap-2026-07-10-a created_at: '2026-07-10T15:00:00Z' '400': description: >- invalid_asset / invalid_pair / invalid_amount / amount_too_small / swap_asset_disabled / idempotency_key_required content: application/json: schema: $ref: '#/components/schemas/Error' example: error: amount_too_small message: amount is too small to convert at the current rate '401': $ref: '#/components/responses/Unauthorized' '402': $ref: '#/components/responses/InsufficientFunds' '403': description: verification_required / service_disabled content: application/json: schema: $ref: '#/components/schemas/Error' example: error: service_disabled message: this service is not enabled for your account '422': description: >- settlement_limit_exceeded / settlement_daily_limit_exceeded (volatile caps shared with payouts and cards). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: settlement_daily_limit_exceeded message: >- the account exceeded its 24h volume for volatile assets; retry later or use smaller amounts '503': description: Execution price unavailable or stale (pricing_unavailable). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: pricing_unavailable message: execution price is unavailable or stale; retry later components: parameters: idempotencyKeyHeader: name: Idempotency-Key in: header required: false description: Alternative to the `idempotency_key` body field. schema: type: string schemas: Swap: type: object properties: swap_id: type: string format: uuid account_id: type: string format: uuid description: >- Owning account. Lets org admins attribute each record in the org-wide view. from_asset: type: string enum: - USDT - USDC - BTC - GOLD to_asset: type: string enum: - USDT - USDC - BTC - GOLD from_amount: type: string to_amount: type: string rate: type: string description: Destination units per source unit (marked execution rate). status: type: string example: completed idempotency_key: type: string created_at: type: string format: date-time idempotency_hit: type: boolean description: Present on replays. Error: type: object properties: error: type: string description: Machine-readable error code (snake_case). example: insufficient_funds message: type: string description: Human-readable explanation. responses: Unauthorized: description: Missing or invalid credential (`unauthorized`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: unauthorized message: invalid or missing credentials InsufficientFunds: description: Account balance is not enough for this operation (`insufficient_funds`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: insufficient_funds message: account balance is not enough for this operation securitySchemes: bearerAuth: type: http scheme: bearer description: | Session JWT (from register/login) or API key (`pk_...`). `X-API-Key: ` is accepted as an alternative header. ````