Create a bank payment intent

Creates a new bank payment intent for fiat-to-stablecoin transfers.

This endpoint allows you to create payment intents for bank transfers (ACH, Wire, SEPA) that convert to stablecoins. Perfect for onboarding users from traditional banking to crypto.

Supported Payment Rails

• ACH_PUSH: US bank transfers (same-day or standard)
• WIRE: International wire transfers
• SEPA: European bank transfers

Use Cases

• USD bank account to USDC conversion
• EUR bank account to EURC conversion
• MXN bank account to stablecoin conversion
• Flexible amount payment intents for variable pricing

Supported Source Currencies

• USD: US Dollar
• EUR: Euro
• MXN: Mexican Peso

Example: USD Bank to USDC

{
  "sourcePaymentRail": "ach_push",
  "sourceCurrency": "usd",
  "destinationCurrency": "usdc",
  "destinationNetwork": "ethereum",
  "destinationAddress": "0x742d35Cc6634C0532925a3b8D4C9db96c4b4d8e1",
  "amount": "1000.00",
  "customer_first_name": "John",
  "customer_last_name": "Doe",
  "customer_email": "[e-mail]",
  "ach_reference": "INV12345"
}

Reference Fields

Use appropriate reference fields based on the payment rail:

• ach_reference: For ACH transfers (max 10 chars, alphanumeric + spaces)
• wire_message: For wire transfers (max 256 chars)
• sepa_reference: For SEPA transfers (6-140 chars, specific character set)

Idempotency

Include an idempotency-key header with a unique UUID v4 to prevent duplicate payments. Subsequent requests with the same key will return the original response.

POST /api/v0/payment-intents/bank

Create a bank payment intent

cURL

curl --request POST \
  --url https://api.devdraft.ai/api/v0/payment-intents/bank \
  --header 'Content-Type: application/json' \
  --header 'idempotency-key: <idempotency-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '
{
  "sourcePaymentRail": "ach_push",
  "sourceCurrency": "usd",
  "destinationCurrency": "usdc",
  "destinationNetwork": "ethereum",
  "destinationAddress": "0x742d35Cc6634C0532925a3b8D4C9db96c4b4d8e1",
  "amount": "1000.00",
  "customer_first_name": "John",
  "customer_last_name": "Doe",
  "customer_email": "[e-mail]",
  "customer_address": "123 Main St, New York, NY 10001",
  "customer_country": "United States",
  "customer_countryISO": "US",
  "customer_province": "New York",
  "customer_provinceISO": "NY",
  "phoneNumber": "[phone]",
  "wire_message": "Payment for invoice #12345",
  "sepa_reference": "REF-123456789",
  "ach_reference": "ACH123456"
}
'

201

{
  "id": "txn_01HZXK8M9N2P3Q4R5S6T7U8V9X",
  "bridge_transfer_id": "transfer_def456ghi789",
  "state": "pending",
  "amount": "1000.00",
  "source": {
    "payment_rail": "ach_push",
    "currency": "usd"
  },
  "destination": {
    "payment_rail": "ethereum",
    "currency": "usdc",
    "to_address": "0x742d35Cc6634C0532925a3b8D4C9db96c4b4d8e1"
  },
  "customer": {
    "first_name": "John",
    "last_name": "Doe",
    "email": "[e-mail]",
    "address": "123 Main St, New York, NY 10001",
    "country": "United States",
    "phone_number": "[phone]"
  },
  "references": {
    "ach_reference": "INV12345"
  },
  "created_at": "2023-07-01T12:00:00.000Z",
  "updated_at": "2023-07-01T12:00:00.000Z"
}

Authorizations

x-client-secretx-client-key

x-client-secret · string · header · required

Your secret API key. Keep this secure and never expose it in client-side code.

Headers

idempotency-key · string · required

Unique UUID v4 for idempotent requests. Prevents duplicate payments.

Body

application/json

Bank payment intent creation data

sourcePaymentRail · enum<string> · required

The banking payment method to use for the transfer. Determines processing time and fees.

Available options: ethereum, solana, polygon, avalanche_c_chain, base, arbitrum, optimism, stellar, tron, bridge_wallet, wire, ach, ach_push, ach_same_day, sepa, swift, spei

Example:

"ach_push"

sourceCurrency · enum<string> · default: usd · required

The fiat currency to convert FROM. Must match the currency of the source payment rail.

Available options: usd, eur, mxn

Example:

"usd"

destinationCurrency · enum<string> · required

The stablecoin currency to convert TO. The customer will receive this currency.

Available options: usdc, eurc

Example:

"usdc"

destinationNetwork · enum<string> · required

The blockchain network where the stablecoin will be delivered. Must support the destination currency.

Available options: ethereum, solana, polygon, avalanche_c_chain, base, arbitrum, optimism, stellar, tron, bridge_wallet, wire, ach, ach_push, ach_same_day, sepa, swift, spei

Example:

"ethereum"

destinationAddress · string

Destination wallet address. Supports Ethereum (0x...) and Solana address formats.

Example:

"0x742d35Cc6634C0532925a3b8D4C9db96c4b4d8e1"

amount · string

Payment amount (optional for flexible amount)

Example:

"1000.00"

customer_first_name · string

Customer first name

Example:

"John"

customer_last_name · string

Customer last name

Example:

"Doe"

customer_email · string

Customer email address

Example:

"[e-mail]"

customer_address · string

Customer address

Example:

"123 Main St, New York, NY 10001"

customer_country · string

Customer country

Example:

"United States"

customer_countryISO · string

Customer country ISO code

Example:

"US"

customer_province · string

Customer province/state

Example:

"New York"

customer_provinceISO · string

Customer province/state ISO code

Example:

"NY"

phoneNumber · string

Customer phone number

Example:

"[phone]"

wire_message · string

Wire transfer message (for WIRE transfers)

Maximum string length: 256

Example:

"Payment for invoice #12345"

sepa_reference · string

SEPA reference (for SEPA transfers)

Required string length: 6 - 140

Example:

"REF-123456789"

ach_reference · string

ACH reference (for ACH transfers)

Maximum string length: 10

Example:

"ACH123456"

Response

201

application/json

Bank payment intent created successfully