The Create transfer API operation moves funds between Payward accounts. Both accounts must be in your integration’s account group, called a program. They can belong to different users, such as a business and its supplier. A Payward account in another program isn’t an eligible destination.
An external bank account or wallet isn’t a destination for this operation, even if its owner has a Payward account in your program.
Conversion rule vs. conversion transaction
A conversion rule defines how incoming deposits are converted. While active, it automatically starts a separate conversion transaction for each matching deposit. An on-demand conversion executes once without creating a rule. For a conversion rule, the destination bank account must match the account’s verified identity. Third-party bank payouts aren’t supported. See Conversions for the supported source and destination combinations.Market price vs. executable quote
A market price supports display and valuation. An executable quote offers terms for a particular trade and expires. Creating the quote doesn’t execute the trade. For a swap, fix either the source amount you spend or the destination amount you receive. The API calculates the other side. Check the returned amounts, fees, and expiration before execution. See Swaps.Account-funded vs. wallet-funded
An account-funded trade uses the Payward account balance. The documented on-chain swap uses an approved external wallet and requires a blockchain transaction. Itsaccount_id identifies the Payward account associated with the trade. The wallet’s owner must match that account’s verified identity.
See On-chain swaps for supported assets, networks, and execution requirements.