Xfers

Xfers is a Southeast Asian payments infrastructure company founded in Singapore in 2015 and backed by 500 Global, providing bank-transfer collection, payouts, escrow-style wallets, and lending disbursement APIs across Singapore and Indonesia. Xfers merged with Payfazz in 2022 to form the Fazz Financial Group, with its regulated Singapore dollar stablecoin and payments business continuing as StraitsX; the Xfers v3 API documentation for Singapore and Indonesia remains published at docs.xfers.io.

Xfers publishes 20 APIs on the APIs.io network, including Bank Account API, Charge API, Convenience Store Transfers API, and 17 more. Tagged areas include Payments, Fintech, Bank Transfers, Digital Wallet, and Lending.

Xfers’ developer surface includes authentication, documentation, API reference, support, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub
28.6/100 thin ▬ flat Agent 45/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
AccessSelf serve
20 APIs 1 MCP Servers
PaymentsFintechBank TransfersDigital WalletLendingSingaporeIndonesiaSoutheast Asia

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 28.6/100 · thin
Contract Quality 12.5 / 21
Developer Ergonomics 4.5 / 17
Access Clarity 0.0 / 17
Operational Transparency 2.0 / 11
Contract Governance 0.0 / 10
Discoverability 6.3 / 9
Regulatory Posture 3.8 / 15
Agent readiness — 45/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/xfers: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 20

Individual APIs this provider publishes, each with its own machine-readable definition.

Xfers Bank Account API

API to manage Bank Account

Xfers Charge API

API for Charges

Xfers Convenience Store Transfers API

The Convenience Store Transfers API from Xfers — 1 operation(s) for convenience store transfers.

Xfers cutting_edge API

The cutting_edge API from Xfers — 2 operation(s) for cutting_edge.

Xfers Direct Bank Transfer Payments API

The Direct Bank Transfer Payments API from Xfers — 1 operation(s) for direct bank transfer payments.

Xfers Disbursements API

API for Disbursement

Xfers E-signature API

API for e-signature

Xfers Fixed Virtual Account Bank Transfers API

The Fixed Virtual Account Bank Transfers API from Xfers — 2 operation(s) for fixed virtual account bank transfers.

Xfers Intents API

**For user case 1:** When a user is performing a top-up via [GET /transfer_info](http://docs.xfers.io/#get-transfer-info), they might forget to enter their contact number which ...

Xfers Loans API

Loans Management

Xfers Modify Payments API

The Modify Payments API from Xfers — 1 operation(s) for modify payments.

Xfers Payment Queries API

The Payment Queries API from Xfers — 1 operation(s) for payment queries.

Xfers Payment Queries (Hide first) API

The Payment Queries (Hide first) API from Xfers — 1 operation(s) for payment queries (hide first).

Xfers Payout API

API for Payout

Xfers Registration API

Register and verify new users.

Xfers Repayments API

API for Repayment

Xfers Testing API

API for testing purposes

Xfers Unique Amount Bank Transfers API

The Unique Amount Bank Transfers API from Xfers — 1 operation(s) for unique amount bank transfers.

Xfers User Account API

Manage User and Accounts

Xfers Withdraw API

API for Withdrawal

Scroll for all 20

Open Collections 21

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Xfers Bank Account API

OPEN COLLECTION

Xfers Bank Account Charge API

OPEN COLLECTION

Xfers Bank Account Convenience Store Transfers API

OPEN COLLECTION

Xfers Bank Account cutting_edge API

OPEN COLLECTION

Xfers Bank Account Direct Bank Transfer Payments API

OPEN COLLECTION

Xfers Bank Account Disbursements API

OPEN COLLECTION

Xfers Bank Account E-signature API

OPEN COLLECTION

Xfers Bank Account Fixed Virtual Account Bank Transfers API

OPEN COLLECTION

Xfers Bank Account Intents API

OPEN COLLECTION

Xfers Bank Account Loans API

OPEN COLLECTION

Xfers Bank Account Modify Payments API

OPEN COLLECTION

Xfers Bank Account Payment Queries API

OPEN COLLECTION

Xfers Bank Account Payment Queries (Hide first) API

OPEN COLLECTION

Xfers Bank Account Payout API

OPEN COLLECTION

Xfers Bank Account Registration API

OPEN COLLECTION

Xfers Bank Account Repayments API

OPEN COLLECTION

Xfers Bank Account Testing API

OPEN COLLECTION

Xfers Bank Account Unique Amount Bank Transfers API

OPEN COLLECTION

Xfers Bank Account User Account API

OPEN COLLECTION

Xfers Bank Account Withdraw API

OPEN COLLECTION

Scroll for all 21

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Xfers MCP Server

MCP SERVER

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Xfers Authentication

apiKey/http · 4 schemes

SECURITY

Xfers Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Postman
Postman
 Postman
Postman

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 2

Status, limits, changes, and where to get help

StatusPage
StatusPage
 Support
Support

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: xfers
name: Xfers
description: Xfers is a Southeast Asian payments infrastructure company founded in Singapore in 2015 and backed by 500 Global,
  providing bank-transfer collection, payouts, escrow-style wallets, and lending disbursement APIs across Singapore and Indonesia.
  Xfers merged with Payfazz in 2022 to form the Fazz Financial Group, with its regulated Singapore dollar stablecoin and payments
  business continuing as StraitsX; the Xfers v3 API documentation for Singapore and Indonesia remains published at docs.xfers.io.
url: https://raw.githubusercontent.com/api-evangelist/xfers/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-successors:
- name: Fazz
  url: https://fazz.com
- name: StraitsX
  url: https://www.straitsx.com
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
image: https://docs.xfers.io/Xfers_X_Blue_Small.png
tags:
- Payments
- Fintech
- Bank Transfers
- Digital Wallet
- Lending
- Singapore
- Indonesia
- Southeast Asia
tags_raw:
- Payments
- Fintech
- Bank Transfers
- Digital Wallets
- Lending
- Singapore
- Indonesia
- Southeast Asia
apis:
- aid: xfers:xfers-bank-account-api
  name: Xfers Bank Account API
  description: API to manage Bank Account
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Bank Account
  properties:
  - type: OpenAPI
    url: openapi/xfers-bank-account-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-charge-api
  name: Xfers Charge API
  description: API for Charges
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Charge
  properties:
  - type: OpenAPI
    url: openapi/xfers-charge-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-convenience-store-transfers-api
  name: Xfers Convenience Store Transfers API
  description: The Convenience Store Transfers API from Xfers — 1 operation(s) for convenience store transfers.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Convenience Store Transfers
  properties:
  - type: OpenAPI
    url: openapi/xfers-convenience-store-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-cutting-edge-api
  name: Xfers cutting_edge API
  description: The cutting_edge API from Xfers — 2 operation(s) for cutting_edge.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags: []
  tags_raw:
  - cutting_edge
  properties:
  - type: OpenAPI
    url: openapi/xfers-cutting-edge-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-direct-bank-transfer-payments-api
  name: Xfers Direct Bank Transfer Payments API
  description: The Direct Bank Transfer Payments API from Xfers — 1 operation(s) for direct bank transfer payments.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Direct Bank Transfer Payments
  properties:
  - type: OpenAPI
    url: openapi/xfers-direct-bank-transfer-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-disbursements-api
  name: Xfers Disbursements API
  description: API for Disbursement
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Disbursements
  properties:
  - type: OpenAPI
    url: openapi/xfers-disbursements-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-e-signature-api
  name: Xfers E-signature API
  description: API for e-signature
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - E-Signature
  tags_raw:
  - E-signature
  properties:
  - type: OpenAPI
    url: openapi/xfers-e-signature-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-fixed-virtual-account-bank-transfers-api
  name: Xfers Fixed Virtual Account Bank Transfers API
  description: The Fixed Virtual Account Bank Transfers API from Xfers — 2 operation(s) for fixed virtual account bank transfers.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Fixed Virtual Account Bank Transfers
  properties:
  - type: OpenAPI
    url: openapi/xfers-fixed-virtual-account-bank-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-intents-api
  name: Xfers Intents API
  description: "**For user case 1:**\r\n\r\nWhen a user is performing a top-up via  [GET /transfer_info](http://docs.xfers.io/#get-transfer-info),\
    \ they might forget to enter their contact number which is needed for our system to identify them.\r\n\r\nThe Intents\
    \ API solves this issue by requiring the user to transfer a unique amount to Xfers which will be used to identify them.\
    \ The difference between the  `unique_amount`  and the actual  `amount`  will be very small, and Xfers provides the difference\
    \ for free to the user.\r\n\r\nNote that this only acts as a backup, and the user should enter his contact number in the\
    \ comments section when doing a bank transfer whenever possible.\r\n\r\nExample: Jane wishes to transfer 5000 Indonesian\
    \ Rupiah via  `/intents`.\r\n\r\n1.  She makes a HTTP GET request to  `/user/transfer_info`  to get the correct Xfers\
    \ bank to transfer to (we have many banks!). The response tells her to transfer to Bank Central Asia (BCA).\r\n2.  She\
    \ makes a HTTP POST request to create an intent. The response tells her to make a bank transfer of 4999 to Xfers.\r\n\
    3.  Jane makes a transfer of 4999 to Xfers BCA. Within a few minutes, Xfers detects the transfer and tops up Jane’s Xfers\
    \ account with 5000. Xfers absorbs the difference for free.\r\n4.  If  `notify_url`  is given, Xfers will send a callback\
    \ to this url.\r\n\r\nNote the above scenario is only valid when disable_va is set to True\r\n\r\n**For user case 2:**\r\
    \n\r\nIntent can also be use a means to get callback notifications from Xfers when a user successfully fund their virtual\
    \ account on Xfers.\r\n\r\nExample: Jane wishes to transfer 5000 Indonesian Rupiah via  `/intents`  to her virtual Xfers\
    \ account and get a callback notification when it successful\r\n\r\n1.  She makes a HTTP POST request to create an intent\
    \ with disable_va set to false(default) and provide a  `notify_url`. The response will provide a list of virtual account\
    \ nos she can fund her account with from a list of bank that Xfers support.\r\n2.  Jane makes a transfer of 500 to the\
    \ Xfers BCA Virtual account that the intent api provide. Within a few minutes, Xfers detects the transfer and tops up\
    \ Jane’s Xfers account with 5000.\r\n3.  Since  `notify_url`  is provided, Xfers will send a callback to this url."
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Intents
  properties:
  - type: OpenAPI
    url: openapi/xfers-intents-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-loans-api
  name: Xfers Loans API
  description: Loans Management
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/xfers-loans-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-modify-payments-api
  name: Xfers Modify Payments API
  description: The Modify Payments API from Xfers — 1 operation(s) for modify payments.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Modify Payments
  properties:
  - type: OpenAPI
    url: openapi/xfers-modify-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-payment-queries-api
  name: Xfers Payment Queries API
  description: The Payment Queries API from Xfers — 1 operation(s) for payment queries.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Payment Queries
  properties:
  - type: OpenAPI
    url: openapi/xfers-payment-queries-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-payment-queries-hide-first-api
  name: Xfers Payment Queries (Hide first) API
  description: The Payment Queries (Hide first) API from Xfers — 1 operation(s) for payment queries (hide first).
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Payment Queries (Hide first)
  properties:
  - type: OpenAPI
    url: openapi/xfers-payment-queries-hide-first-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-payout-api
  name: Xfers Payout API
  description: API for Payout
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Payout
  properties:
  - type: OpenAPI
    url: openapi/xfers-payout-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-registration-api
  name: Xfers Registration API
  description: Register and verify new users.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Registration
  properties:
  - type: OpenAPI
    url: openapi/xfers-registration-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-repayments-api
  name: Xfers Repayments API
  description: API for Repayment
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Repayments
  properties:
  - type: OpenAPI
    url: openapi/xfers-repayments-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-testing-api
  name: Xfers Testing API
  description: API for testing purposes
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Testing
  properties:
  - type: OpenAPI
    url: openapi/xfers-testing-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-unique-amount-bank-transfers-api
  name: Xfers Unique Amount Bank Transfers API
  description: The Unique Amount Bank Transfers API from Xfers — 1 operation(s) for unique amount bank transfers.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Unique Amount Bank Transfers
  properties:
  - type: OpenAPI
    url: openapi/xfers-unique-amount-bank-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-user-account-api
  name: Xfers User Account API
  description: Manage User and Accounts
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - User Account
  properties:
  - type: OpenAPI
    url: openapi/xfers-user-account-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-withdraw-api
  name: Xfers Withdraw API
  description: API for Withdrawal
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Withdraw
  properties:
  - type: OpenAPI
    url: openapi/xfers-withdraw-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: MCPServer
  url: mcp/xfers-mcp.yml
- type: DomainSecurity
  url: security/xfers-domain-security.yml
- type: Authentication
  url: authentication/xfers-authentication.yml
- type: Website
  url: https://xfers.com
- type: Documentation
  url: https://docs.xfers.io
- type: APIReference
  url: https://docs.xfers.io/Singapore
- type: GitHubOrganization
  url: https://github.com/Xfers
- type: StatusPage
  url: https://xfers.statuspage.io
- type: Support
  url: https://support.straitsx.com/hc/en-us/requests/new
- type: Postman
  name: Xfers Singapore Postman collection
  url: https://app.getpostman.com/run-collection/1eebf10c08b8f90bdded
- type: Postman
  name: Xfers Indonesia Postman collection
  url: https://app.getpostman.com/run-collection/453dd7b670533289a719