Coinbase Transfers API

**Transfers** represent both the request and execution of fund transfers from a source to a target. They provide upfront fee quotes and track the complete lifecycle from initiation through completion, failure, or reversal. ## Fee Quotes Every transfer provides a comprehensive fee quote in the `fees` array. This allows you to show users exactly what they'll pay before any money moves. To review fees before execution: 1. Create a transfer with `execute: false` 2. Review the `fees` array in the response 3. Call `POST /transfers/{transferId}/execute` when ready to proceed For automatic execution without fee review, create a transfer with `execute: true`. **Fee Expiration**: Fee quotes are valid for a limited time (typically 10-15 minutes from creation). The `expiresAt` field shows exactly when the fee quote will expire. If you don't execute before this time, you'll need to create a new transfer to get updated fees. ## Fees Transfer fees vary by source, target, amount and transfer type: * **Bank fees** - Traditional banking fees for depositing funds (e.g., $15.00 wire transfer fee) * **Conversion fees** - Fees for exchanging between different assets * **Network fees** - Onchain transaction costs to complete the transfer (e.g., ETH gas fees) All fees are disclosed upfront in the `fees` array when you create a transfer. ## Transfer Lifecycle When you create a transfer, it will be in one of these statuses that determine what action you need to take: * **`quoted`** - Transfer is ready but requires manual execution via the `/execute` endpoint * **`processing`** - Transfer is being executed (no action needed - poll for completion) * **`completed`** - Transfer completed successfully * **`failed`** - Transfer failed (see `failureReason` for details) ## Execution Control * **`execute: true`**: Transfer will automatically attempt to execute * **`execute: false`**: Transfer will be created in `quoted` status and you must call the `/execute` endpoint. Use this to obtain a fee quote or validate a transfer destination before deciding whether to execute the Transfer. ## Sources and Targets * A **source** can be an Account or a Payment Method * A **target** can be an Account, Payment Method, Onchain Address, or Email Address ## Transfer Execution When a transfer reaches `completed` status, it contains the final execution details that delivered funds to the target and completion timestamps. ## Failure Reasons When a transfer fails, the `failureReason` field provides a human-readable description of what went wrong. Common failure reasons include: * "Insufficient balance to complete this transfer." * "The recipient address is invalid for the selected network." * "The recipient address failed security validation checks." * "Unable to send to this recipient." Failure reason is only present when the transfer's status is `failed`.