> ## Documentation Index > Fetch the complete documentation index at: https://developer.finogates.com/llms.txt > Use this file to discover all available pages before exploring further. # Wallet to Wallet (Internal Transfer) > Move money from one wallet to another on your platform. A `transfer` payment — no external rail or provider. Address the destination one of two ways (send exactly one): - `destination_wallet_id` — a wallet UUID you already know. The server resolves the owning user from the wallet. - `destination_payee_id` — a **payee addressed by email**. Funds route to the matching user's wallet, or to a held inbound-only wallet (a ghost recipient is provisioned) until that person is added — see `recipient_status` in the response (`existing` vs `pending_claim`). ## OpenAPI ````yaml POST /v1/platform/payments/wallet-to-wallet openapi: 3.1.0 info: title: Finogate Platform API v1 version: 0.1.0 servers: - url: https://api-sandbox.finogates.com description: Sandbox - url: https://api.finogates.com description: Production security: [] tags: - name: auth - name: users - name: payees - name: verification - name: bank accounts - name: card processing - name: digital-assets - name: international - name: onboarding - name: pending-applications - name: wallets - name: payments - name: catalog - name: webhooks - name: phone-numbers - name: sms - name: calls - name: listings - name: embed-tokens paths: /v1/platform/payments/wallet-to-wallet: post: tags: - payments summary: Wallet → Wallet (internal transfer) description: >- Move money from one wallet to another on your platform. A `transfer` payment — no external rail or provider. Address the destination one of two ways (send exactly one): - `destination_wallet_id` — a wallet UUID you already know. The server resolves the owning user from the wallet. - `destination_payee_id` — a **payee addressed by email**. Funds route to the matching user's wallet, or to a held inbound-only wallet (a ghost recipient is provisioned) until that person is added — see `recipient_status` in the response (`existing` vs `pending_claim`). operationId: >- create_wallet_to_wallet_payment_v1_platform_payments_wallet_to_wallet_post requestBody: content: application/json: schema: $ref: '#/components/schemas/PaymentWalletToWalletCreate' required: true responses: '200': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/CommonResponse' '422': description: Validation Error content: application/json: schema: $ref: '#/components/schemas/HTTPValidationError' security: - _AuthenticatedBearer: [] components: schemas: PaymentWalletToWalletCreate: properties: wallet_id: type: string format: uuid title: Wallet Id description: >- Source wallet UUID — the tenant's master wallet or one of the user's wallets. Server validates tenant ownership and ``currency`` and resolves the owner from it. examples: - a1b2c3d4-e5f6-7890-abcd-ef1234567890 user_id: anyOf: - type: string format: uuid - type: 'null' title: User Id description: >- Optional safety cross-check — when sent, must match the owner of ``wallet_id``. examples: - b3a9b622-cc63-4d3c-aad6-2d8e29e6f9d4 amount: type: number exclusiveMinimum: 0 title: Amount description: Amount in major currency units (e.g. dollars). examples: - 100.5 currency: type: string maxLength: 3 minLength: 3 title: Currency description: ISO 4217 currency code. default: USD examples: - USD idempotency_key: type: string maxLength: 120 minLength: 1 title: Idempotency Key description: Unique key to ensure idempotent payment creation. examples: - pay_req_20260604_abc123 metadata: additionalProperties: true type: object title: Metadata description: Arbitrary key-value metadata to attach to the payment. examples: - order_id: ORD-12345 destination_wallet_id: anyOf: - type: string format: uuid - type: 'null' title: Destination Wallet Id description: >- Destination wallet UUID to credit. Server validates tenant ownership and ``currency`` and resolves the owner from it. Mutually exclusive with ``destination_payee_id`` — send one. examples: - c3d4e5f6-a7b8-9012-3456-7890abcdef01 destination_payee_id: anyOf: - type: string format: uuid - type: 'null' title: Destination Payee Id description: >- UUID of the payee to send to. The payee must have an email; funds route to the matching user's wallet, or a held inbound-only wallet until that person is added. Mutually exclusive with ``destination_wallet_id`` — send one. examples: - c8d9e0f1-a2b3-4567-89ab-cdef01234567 notify_recipient: type: boolean title: Notify Recipient description: >- Payee transfers only. Records a preference to notify the recipient that funds arrived. Outbound notification delivery is not yet active. default: false examples: - false type: object required: - wallet_id - amount - idempotency_key title: PaymentWalletToWalletCreate description: >- Move funds to another wallet on your platform (``intent_type=transfer``). Address the destination one of two ways — send exactly one: - ``destination_wallet_id`` — a wallet UUID you already know. - ``destination_payee_id`` — a payee (addressed by email). Funds route to the matching user's wallet, or to a held inbound-only wallet (a ghost recipient is provisioned) until that person is added — see ``recipient_status`` in the response. CommonResponse: properties: status_code: type: integer title: Status Code description: HTTP status code for the response. data: title: Data description: Payload or error details. query_generated_time: type: integer title: Query Generated Time description: >- UTC timestamp (milliseconds since epoch) when response was generated. type: object required: - status_code - data - query_generated_time title: CommonResponse description: |- Standard response wrapper for single-object responses and errors. Generic over the payload type. A route that declares ``CommonResponse[SomeModel]`` gets the real ``data`` schema rendered in OpenAPI/Swagger; a bare ``CommonResponse`` leaves ``data`` untyped. HTTPValidationError: properties: detail: items: $ref: '#/components/schemas/ValidationError' type: array title: Detail type: object title: HTTPValidationError ValidationError: properties: loc: items: anyOf: - type: string - type: integer type: array title: Location msg: type: string title: Message type: type: string title: Error Type type: object required: - loc - msg - type title: ValidationError securitySchemes: _AuthenticatedBearer: type: oauth2 flows: password: scopes: {} tokenUrl: /v1/platform/auth/token ````