> ## Documentation Index > Fetch the complete documentation index at: https://devdraft.ai/docs/llms.txt > Use this file to discover all available pages before exploring further. # 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 ```json { "sourcePaymentRail": "ach_push", "sourceCurrency": "usd", "destinationCurrency": "usdc", "destinationNetwork": "ethereum", "destinationAddress": "0x742d35Cc6634C0532925a3b8D4C9db96c4b4d8e1", "amount": "1000.00", "customer_first_name": "John", "customer_last_name": "Doe", "customer_email": "john.doe@example.com", "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. ## OpenAPI ````yaml /swagger.yml post /api/v0/payment-intents/bank openapi: 3.0.0 info: title: Devdraft AI Payment & Business Management API description: >- A comprehensive payment processing and business management API that enables seamless integration of cryptocurrency and traditional payment methods. version: 1.0.0 contact: {} servers: - url: https://api.devdraft.ai description: Production Server security: [] tags: [] paths: /api/v0/payment-intents/bank: post: tags: - Payment Intents summary: Create a bank payment intent description: >- 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 ```json { "sourcePaymentRail": "ach_push", "sourceCurrency": "usd", "destinationCurrency": "usdc", "destinationNetwork": "ethereum", "destinationAddress": "0x742d35Cc6634C0532925a3b8D4C9db96c4b4d8e1", "amount": "1000.00", "customer_first_name": "John", "customer_last_name": "Doe", "customer_email": "john.doe@example.com", "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. operationId: PaymentIntentController_createBankPaymentIntent parameters: - name: idempotency-key in: header description: Unique UUID v4 for idempotent requests. Prevents duplicate payments. required: true schema: type: string requestBody: required: true description: Bank payment intent creation data content: application/json: schema: $ref: '#/components/schemas/CreateBankPaymentIntentDto' responses: '201': description: Bank payment intent created successfully content: application/json: example: 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: john.doe@example.com address: 123 Main St, New York, NY 10001 country: United States phone_number: +1-555-123-4567 references: ach_reference: INV12345 created_at: '2023-07-01T12:00:00.000Z' updated_at: '2023-07-01T12:00:00.000Z' '400': description: Bad Request - Invalid input data '401': description: Unauthorized - Invalid API credentials '404': description: Not Found - App not found '409': description: Conflict - Idempotency key already used with different parameters security: - x-client-secret: [] - x-client-key: [] components: schemas: CreateBankPaymentIntentDto: type: object properties: sourcePaymentRail: description: >- The banking payment method to use for the transfer. Determines processing time and fees. example: ach_push allOf: - $ref: '#/components/schemas/BridgePaymentRail' sourceCurrency: description: >- The fiat currency to convert FROM. Must match the currency of the source payment rail. example: usd default: usd allOf: - $ref: '#/components/schemas/FiatCurrency' destinationCurrency: description: >- The stablecoin currency to convert TO. The customer will receive this currency. example: usdc allOf: - $ref: '#/components/schemas/StableCoinCurrency' destinationNetwork: description: >- The blockchain network where the stablecoin will be delivered. Must support the destination currency. example: ethereum allOf: - $ref: '#/components/schemas/BridgePaymentRail' destinationAddress: type: string description: >- Destination wallet address. Supports Ethereum (0x...) and Solana address formats. example: '0x742d35Cc6634C0532925a3b8D4C9db96c4b4d8e1' amount: type: string description: Payment amount (optional for flexible amount) example: '1000.00' customer_first_name: type: string description: Customer first name example: John customer_last_name: type: string description: Customer last name example: Doe customer_email: type: string description: Customer email address example: john.doe@example.com customer_address: type: string description: Customer address example: 123 Main St, New York, NY 10001 customer_country: type: string description: Customer country example: United States customer_countryISO: type: string description: Customer country ISO code example: US customer_province: type: string description: Customer province/state example: New York customer_provinceISO: type: string description: Customer province/state ISO code example: NY phoneNumber: type: string description: Customer phone number example: +1-555-123-4567 wire_message: type: string description: Wire transfer message (for WIRE transfers) maxLength: 256 example: 'Payment for invoice #12345' sepa_reference: type: string description: SEPA reference (for SEPA transfers) minLength: 6 maxLength: 140 example: REF-123456789 ach_reference: type: string description: ACH reference (for ACH transfers) maxLength: 10 example: ACH123456 required: - sourcePaymentRail - sourceCurrency - destinationCurrency - destinationNetwork BridgePaymentRail: type: string enum: - ethereum - solana - polygon - avalanche_c_chain - base - arbitrum - optimism - stellar - tron - bridge_wallet - wire - ach - ach_push - ach_same_day - sepa - swift - spei description: >- The blockchain network where the source currency resides. Determines gas fees and transaction speed. FiatCurrency: type: string enum: - usd - eur - mxn description: >- The fiat currency to convert FROM. Must match the currency of the source payment rail. StableCoinCurrency: type: string enum: - usdc - eurc description: >- The stablecoin currency to convert FROM. This is the currency the customer will pay with. securitySchemes: x-client-secret: type: apiKey in: header name: x-client-secret description: >- Your secret API key. Keep this secure and never expose it in client-side code. x-client-key: type: apiKey in: header name: x-client-key description: Your unique client API key. Obtain this from your Devdraft AI dashboard. ````