Transfer

Direct payment where both payer and receiver are known upfront.

Payer ──[Crypto]──> Payment Engine ──[Fiat]──> Receiver's Bank

Required Fields:

• payer.chatId - Identifier for the person paying
• receiver.bankCode, receiver.accountNumber - Bank details (name resolved server-side)
• chargeFrom - "fiat" (fee from payout) or "crypto" (fee added to crypto)