Initiate Transfer

Transfer funds between deposit accounts with comprehensive validation, limit checks, and dual-account balance updates.

Overview

The InitiateTransferCommand enables secure fund transfers between two deposit accounts within the banking system. This operation performs coordinated validation and balance updates across both source (debit) and destination (credit) accounts, ensuring data consistency, currency matching, and compliance with account tier limits.

Key Capabilities

Internal Account Transfer: Move funds between any two deposit accounts
Dual Account Validation: Validates both source and destination accounts
Currency Matching: Ensures both accounts use the same currency
Overdraft Support: Allows transfers with approved overdraft facilities
Tier Limit Enforcement: Validates withdrawal limits on source account
Account State Checks: Prevents transfers to/from locked, frozen, or closed accounts
Blacklist Validation: Blocks transfers for blacklisted customers
Transaction Tracking: Generates unique transaction keys for audit trails
Narration Templates: Dynamic customer narrations for both accounts

API Endpoint

POST /api/bpm/cmd

Headers

Content-Type: application/json
Authorization: Bearer {access_token}
X-Tenant-ID: {tenant_id}

Request Structure

Command Payload

{
  "commandName": "InitiateTransferCommand",
  "data": {
    "sourceAccount": "string",
    "destinationAccount": "string",
    "amount": "decimal",
    "channelCode": "string",
    "notes": "string",
    "serviceId": "string",
    "serviceDescription": "string"
  }
}

Request Fields

Field	Type	Required	Description	Validation
`sourceAccount`	string	Yes	Source account number or encoded key	Must exist, cannot be closed/locked/frozen
`destinationAccount`	string	Yes	Destination account number or encoded key	Must exist, cannot be closed
`amount`	decimal	Yes	Transfer amount in account currency	Must be > 0, subject to tier limits
`channelCode`	string	No	Transaction channel identifier	Optional channel tracking
`notes`	string	No	Transfer description/remarks	Free-text notes
`serviceId`	string	No	Service identifier for categorization	Optional service tracking
`serviceDescription`	string	No	Service description	Human-readable service info

Response Structure

Success Response

{
  "isSuccessful": true,
  "message": "Transfer has been effected successfully.",
  "statusCode": "00",
  "transactionId": "8A3F2D1E9B5C4F7A6E8D2C1B3A9F5E7D"
}

Error Response

{
  "isSuccessful": false,
  "message": "The source account does not have sufficient balance.",
  "statusCode": "INSUFFICIENT_BALANCE"
}

Response Fields

Field	Type	Description
`isSuccessful`	boolean	Indicates if transfer was successful
`message`	string	Descriptive result message
`statusCode`	string	Response code (00 = success, error codes vary)
`transactionId`	string	Unique transaction identifier (on success)

Sample Requests

1. Basic Internal Transfer

{
  "commandName": "InitiateTransferCommand",
  "data": {
    "sourceAccount": "ACC001234567",
    "destinationAccount": "ACC007654321",
    "amount": 5000.00,
    "notes": "Monthly rent payment"
  }
}

Use Case: Simple account-to-account transfer for personal payments.

2. Bill Payment Transfer

{
  "commandName": "InitiateTransferCommand",
  "data": {
    "sourceAccount": "8A3F2D1E9B5C4F7A6E8D2C1B3A9F5E7D",
    "destinationAccount": "9B4E3C2F8A6D5E7C9B2A1F3E5D8C7A6B",
    "amount": 15000.00,
    "channelCode": "MOBILE",
    "notes": "Utility bill payment - Electricity",
    "serviceId": "BILL_PAY_ELEC",
    "serviceDescription": "Electricity Bill Payment"
  }
}

Use Case: Automated bill payment from customer account to utility company account.

3. Loan Repayment Transfer

{
  "commandName": "InitiateTransferCommand",
  "data": {
    "sourceAccount": "SAV123456789",
    "destinationAccount": "LOAN987654321",
    "amount": 25000.00,
    "channelCode": "BRANCH",
    "notes": "Monthly loan installment - October 2024",
    "serviceId": "LOAN_REPAY",
    "serviceDescription": "Loan Repayment"
  }
}

Use Case: Transferring funds from savings account to loan repayment account.

4. Cross-Branch Transfer

{
  "commandName": "InitiateTransferCommand",
  "data": {
    "sourceAccount": "ACC001111111",
    "destinationAccount": "ACC002222222",
    "amount": 100000.00,
    "channelCode": "BRANCH",
    "notes": "Business transfer to Lagos branch",
    "serviceId": "INTER_BRANCH",
    "serviceDescription": "Inter-Branch Transfer"
  }
}

Use Case: Large business transfer between branches requiring additional documentation.

Business Logic

Processing Workflow

The transfer operation follows this sequence:

Validation Steps

Field Extraction: Extract source account, destination account, amount, and optional fields from request data
Source Account Validation:
- Load source account with client, product, currency relationships
- Verify account exists (by encoded key or account number)
- Check account is not null
Destination Account Validation:
- Load destination account with same relationships
- Verify account exists
- Check account is not null
Same Account Check: Prevent transfers where source and destination are identical
Destination State Check: Block transfers if destination account is Closed or Closed_Written_Off
Currency Match Validation: Ensure both accounts use the same currency (e.g., USD, NGN, LRD)
Source Account State Check: Block if source account is on freeze or locked state
Overdraft Calculation:
- Check if source account has active overdraft facility
- Verify overdraft expiry date > current date
- Calculate allowable overdraft amount
Blacklist Check: Verify source account client is not blacklisted
Product Configuration Validation: Load and validate source account product configuration
Tier Limit Validation:
- Get source account tier limits from product configuration
- Validate withdrawal transaction limit (single transaction)
- Query transaction breakdown for daily/monthly aggregates
- Validate daily withdrawal limit
- Validate monthly withdrawal limit
- Validate daily transaction count limit
- Validate monthly transaction count limit
Balance Sufficiency Check: Verify source account balance ≥ transfer amount - allowable overdraft
Transaction Key Generation: Generate unique GUID-based transaction key
Narration Template Execution:
- Execute source account narration template with transaction context
- Execute destination account narration template with transaction context
- Execute transaction ID template
Success Response: Return transaction details with generated transaction ID

Balance Impact

Source Account (Debit):

New Balance = Current Balance - Transfer Amount

Destination Account (Credit):

New Balance = Current Balance + Transfer Amount

With Overdraft:

Minimum Required Balance = Transfer Amount - Allowable Overdraft

Limit Enforcement Logic

Withdrawal Transaction Limit:

if (tierLimit.WithdrawalTransactionLimit < transferAmount)
{
    return Error: "Maximum transaction withdrawal limit exceeded"
}

Daily Withdrawal Limit:

if (tierLimit.MaxDailyWithdrawal < transactionBreakdown.TotalOutflowToday + transferAmount)
{
    return Error: "Exceeded daily withdrawal limit"
}

Monthly Withdrawal Limit:

if (tierLimit.maxMonthlyWithdrawal < transactionBreakdown.TotalMonthlyOutflow + transferAmount)
{
    return Error: "Exceeded monthly withdrawal limit"
}

Transaction Count Limits:

if (tierLimit.maxTransactionCountPerDay < transactionBreakdown.TransactionCountToday)
{
    return Error: "Exceeded daily transaction count"
}

if (tierLimit.maxTransactionCountPerMonth < transactionBreakdown.TotalTransactionCount)
{
    return Error: "Exceeded monthly transaction count"
}

Error Responses

6 Error Scenarios

Error Code	Message	Scenario	Resolution
`N/A`	"The source deposit account is not valid."	Source account doesn't exist	Verify account number/key is correct
`N/A`	"Invalid destination account details"	Destination account doesn't exist	Verify destination account number/key
`N/A`	"Transaction not permitted. Source account and destination account are the same"	Same account used for both source and destination	Provide different accounts
`DEPOSIT_CLOSED`	"You cannot perform any transaction on the account. The account is closed."	Destination account is closed or written off	Use an active destination account
`CURRENCY_MISMATCH`	"The currency mismatch between source account {currency} and destination account ({currency})."	Accounts use different currencies	Ensure both accounts use same currency
`Transaction_not_permitted_to_sender`	"Transaction not permitted on account as it is either locked or on freeze."	Source account is frozen or locked	Unlock/unfreeze account before transfer
`N/A`	"Transaction cannot be performed on any of the customer's account presently. Please contact the administrator"	Customer is blacklisted	Contact administrator to review customer status
`Transfer_limit_exceeded`	"The maximum transaction withdrawal limit on the account tier is {limit} {currency}."	Single transaction amount exceeds tier limit	Reduce transfer amount or upgrade account tier
`Invalid_Amount`	"Exceeded the transaction limit for the day. The maximum amount allowed for withdrawal for the day is {limit} {currency}."	Daily withdrawal limit exceeded	Wait until next day or request limit increase
`Invalid_Amount`	"Exceeded the transaction limit for the month. The maximum amount allowed for withdrawal for the month is {limit} {currency}."	Monthly withdrawal limit exceeded	Wait until next month or request limit increase
`Invalid_Amount`	"Exceeded the transaction limit for the day. The maximum number of transactions allowed for the day is {count}."	Daily transaction count exceeded	Wait until next day
`Invalid_Amount`	"Exceeded the transaction limit for the month. The maximum number of transactions allowed for the month is {count}."	Monthly transaction count exceeded	Wait until next month
`N/A`	"The source account does not have sufficient balance."	Insufficient balance (even with overdraft)	Deposit funds or check overdraft availability

Architecture

Component Interaction

Key Components

InitiateTransferCommand: Command object with request data
MediatR Handler: Processes command and orchestrates transfer logic
DepositAccount Repository: Manages account data persistence
DepositProductConfigHelper: Validates and retrieves product configuration
GetDepositAccountTransactionBreakdownQuery: Queries daily/monthly transaction totals
BankLingoCommandEngineExecutor: Executes narration and ID templates
Transaction Context: Provides dynamic data for template execution

Security Considerations

Authentication & Authorization

Bearer Token Required: All requests must include valid JWT token
User Context: Transaction records include user encoded key and username
Tenant Isolation: Multi-tenant environment requires X-Tenant-ID header
Account Access: Verify user has permission to access both accounts

Data Protection

Encrypted Communication: HTTPS/TLS required for all API calls
PII Protection: Customer narrations should not expose sensitive data
Audit Trail: All transfers logged with transaction key, user, and timestamp
Blacklist Enforcement: Automatic blocking of blacklisted customer transactions

Performance Considerations

Optimization Strategies

Eager Loading: Load related entities (Client, DepositProduct, Currency) in single query
Index Usage: Queries use indexed fields (EncodedKey, AccountNumber)
Transaction Breakdown Caching: Consider caching transaction aggregates for high-frequency accounts
Batch Processing: For multiple transfers, consider bulk command processing
Async Operations: Handler uses async/await throughout for non-blocking execution

Expected Performance

Single Transfer: < 500ms under normal load
With Limit Validation: +100ms for transaction breakdown query
High Volume: Consider rate limiting to prevent system overload
Database Impact: Dual account updates require careful transaction management

Troubleshooting

Common Issues

1. Currency Mismatch Error

Symptom: "The currency mismatch between source account USD and destination account (NGN)."

Diagnosis:

Check source account currency
Check destination account currency
Verify both are compatible

Solution: Only transfer between accounts with matching currencies. Use exchange services for cross-currency transfers.

2. Insufficient Balance Despite Visible Balance

Symptom: "The source account does not have sufficient balance" even when balance appears sufficient.

Diagnosis:

Check if account has held amounts (locks, pending transactions)
Verify overdraft facility is active and not expired
Calculate: Available Balance = Account Balance + Allowable Overdraft

Solution:

Release unnecessary amount locks
Activate/renew overdraft facility
Wait for pending transactions to settle

3. Tier Limit Exceeded

Symptom: "The maximum transaction withdrawal limit on the account tier is 50000.00 USD."

Diagnosis:

Check account tier configuration
Verify WithdrawalTransactionLimit in tier settings
Confirm amount is within single transaction limit

Solution:

Reduce transfer amount to within limit
Split into multiple smaller transfers
Request account tier upgrade from administrator

4. Daily/Monthly Limit Exceeded

Symptom: "Exceeded the transaction limit for the day. The maximum amount allowed for withdrawal for the day is 100000.00 USD."

Diagnosis:

Query GetDepositAccountTransactionBreakdownQuery for transaction history
Check TotalOutflowToday or TotalMonthlyOutflow
Verify MaxDailyWithdrawal or maxMonthlyWithdrawal tier setting

Solution:

Wait until next day/month for limit reset
Request temporary limit increase from administrator
Prioritize critical transfers within available limit

5. Account Locked/Frozen

Symptom: "Transaction not permitted on account as it is either locked or on freeze."

Diagnosis:

Check source account DepositState (is it Locked?)
Check source account IsOnFreeze flag
Review account restrictions in admin panel

Solution:

Use UnlockDepositAccountCommand if locked
Remove freeze restriction if applicable
Contact administrator to review account status

6. Same Account Transfer Attempt

Symptom: "Transaction not permitted. Source account and destination account are the same"

Diagnosis:

Verify source account number/encoded key
Verify destination account number/encoded key
Check if both resolve to same account ID

Solution: Provide different source and destination accounts. Transfers to the same account are not permitted.

Monitoring & Alerts

Key Metrics

Transfer Success Rate: Percentage of successful transfers vs. failed attempts
Average Transfer Amount: Monitor for unusual patterns
Limit Exceeded Rate: Frequency of tier limit rejections
Currency Mismatch Rate: Track configuration issues
Response Time: P50, P95, P99 latency metrics
Error Distribution: Count by error type for root cause analysis

Alert Thresholds

High Failure Rate: > 5% failures in 5-minute window
Large Transfer: Single transfer > $100,000 USD equivalent
Rapid Transfers: > 10 transfers from same source in 1 minute
Blacklist Attempts: Any transfer attempt from blacklisted customer
Insufficient Balance Rate: > 20% insufficient balance errors (may indicate limit misconfiguration)

Audit & Compliance

Audit Trail

Every transfer records:

Transaction Key: Unique identifier (GUID-based)
User Context: UserName, UserEncodedKey from JWT token
Timestamp: DateCreated, TransactionBookDate, TransactionValueDate, TransactionEntryDate
Account Details: Source and destination account numbers, client names
Amount: Transfer amount and currency
Channel: Transaction channel (MOBILE, BRANCH, ATM, etc.)
Service: Service ID and description for categorization
Narration: Customer-facing narration for both accounts
Status: Transaction status (SETTLED, PENDING, REVERSED)

Compliance Requirements

AML Monitoring: Flag transfers above threshold for review
KYC Verification: Ensure both customers have completed KYC
Regulatory Limits: Enforce daily/monthly limits per regulations
Blacklist Enforcement: Automatic blocking as shown in validation
Record Retention: Maintain transfer records per regulatory requirements

Code Examples

C# Implementation

using System;
using System.Net.Http;
using System.Net.Http.Headers;
using System.Text;
using System.Text.Json;
using System.Threading.Tasks;

public class BankLingoTransferClient
{
    private readonly HttpClient _httpClient;
    private readonly string _baseUrl;
    private readonly string _accessToken;

    public BankLingoTransferClient(string baseUrl, string accessToken)
    {
        _baseUrl = baseUrl;
        _accessToken = accessToken;
        _httpClient = new HttpClient();
        _httpClient.DefaultRequestHeaders.Authorization = 
            new AuthenticationHeaderValue("Bearer", accessToken);
        _httpClient.DefaultRequestHeaders.Add("X-Tenant-ID", "your-tenant-id");
    }

    public async Task<TransferResponse> InitiateTransferAsync(
        string sourceAccount,
        string destinationAccount,
        decimal amount,
        string notes = null,
        string channelCode = null,
        string serviceId = null,
        string serviceDescription = null)
    {
        var request = new
        {
            commandName = "InitiateTransferCommand",
            data = new
            {
                sourceAccount,
                destinationAccount,
                amount,
                notes,
                channelCode,
                serviceId,
                serviceDescription
            }
        };

        var json = JsonSerializer.Serialize(request);
        var content = new StringContent(json, Encoding.UTF8, "application/json");

        var response = await _httpClient.PostAsync(
            $"{_baseUrl}/api/bpm/cmd", 
            content);

        var responseJson = await response.Content.ReadAsStringAsync();
        return JsonSerializer.Deserialize<TransferResponse>(responseJson);
    }
}

public class TransferResponse
{
    public bool IsSuccessful { get; set; }
    public string Message { get; set; }
    public string StatusCode { get; set; }
    public string TransactionId { get; set; }
}

// Usage
var client = new BankLingoTransferClient(
    "https://api.banklingo.com", 
    "your-jwt-token");

var result = await client.InitiateTransferAsync(
    sourceAccount: "ACC001234567",
    destinationAccount: "ACC007654321",
    amount: 5000.00m,
    notes: "Monthly rent payment",
    channelCode: "MOBILE"
);

if (result.IsSuccessful)
{
    Console.WriteLine($"Transfer successful! Transaction ID: {result.TransactionId}");
}
else
{
    Console.WriteLine($"Transfer failed: {result.Message}");
}

JavaScript Implementation

class BankLingoTransferClient {
    constructor(baseUrl, accessToken, tenantId) {
        this.baseUrl = baseUrl;
        this.accessToken = accessToken;
        this.tenantId = tenantId;
    }

    async initiateTransfer({
        sourceAccount,
        destinationAccount,
        amount,
        notes = null,
        channelCode = null,
        serviceId = null,
        serviceDescription = null
    }) {
        const request = {
            commandName: 'InitiateTransferCommand',
            data: {
                sourceAccount,
                destinationAccount,
                amount,
                notes,
                channelCode,
                serviceId,
                serviceDescription
            }
        };

        const response = await fetch(`${this.baseUrl}/api/bpm/cmd`, {
            method: 'POST',
            headers: {
                'Content-Type': 'application/json',
                'Authorization': `Bearer ${this.accessToken}`,
                'X-Tenant-ID': this.tenantId
            },
            body: JSON.stringify(request)
        });

        return await response.json();
    }
}

// Usage
const client = new BankLingoTransferClient(
    'https://api.banklingo.com',
    'your-jwt-token',
    'your-tenant-id'
);

const result = await client.initiateTransfer({
    sourceAccount: 'ACC001234567',
    destinationAccount: 'ACC007654321',
    amount: 5000.00,
    notes: 'Monthly rent payment',
    channelCode: 'MOBILE'
});

if (result.isSuccessful) {
    console.log(`Transfer successful! Transaction ID: ${result.transactionId}`);
} else {
    console.error(`Transfer failed: ${result.message}`);
}

Python Implementation

import requests
from typing import Optional
from dataclasses import dataclass

@dataclass
class TransferResponse:
    is_successful: bool
    message: str
    status_code: str
    transaction_id: Optional[str] = None

class BankLingoTransferClient:
    def __init__(self, base_url: str, access_token: str, tenant_id: str):
        self.base_url = base_url
        self.access_token = access_token
        self.tenant_id = tenant_id
        self.headers = {
            'Content-Type': 'application/json',
            'Authorization': f'Bearer {access_token}',
            'X-Tenant-ID': tenant_id
        }

    def initiate_transfer(
        self,
        source_account: str,
        destination_account: str,
        amount: float,
        notes: Optional[str] = None,
        channel_code: Optional[str] = None,
        service_id: Optional[str] = None,
        service_description: Optional[str] = None
    ) -> TransferResponse:
        request_data = {
            'commandName': 'InitiateTransferCommand',
            'data': {
                'sourceAccount': source_account,
                'destinationAccount': destination_account,
                'amount': amount,
                'notes': notes,
                'channelCode': channel_code,
                'serviceId': service_id,
                'serviceDescription': service_description
            }
        }

        response = requests.post(
            f'{self.base_url}/api/bpm/cmd',
            headers=self.headers,
            json=request_data
        )

        result = response.json()
        return TransferResponse(
            is_successful=result.get('isSuccessful', False),
            message=result.get('message', ''),
            status_code=result.get('statusCode', ''),
            transaction_id=result.get('transactionId')
        )

# Usage
client = BankLingoTransferClient(
    base_url='https://api.banklingo.com',
    access_token='your-jwt-token',
    tenant_id='your-tenant-id'
)

result = client.initiate_transfer(
    source_account='ACC001234567',
    destination_account='ACC007654321',
    amount=5000.00,
    notes='Monthly rent payment',
    channel_code='MOBILE'
)

if result.is_successful:
    print(f'Transfer successful! Transaction ID: {result.transaction_id}')
else:
    print(f'Transfer failed: {result.message}')

Response Codes

Code	Description	Action Required
`00`	Success	No action needed
`DEPOSIT_CLOSED`	Destination account closed	Use active account
`CURRENCY_MISMATCH`	Currency mismatch between accounts	Ensure same currency
`Transaction_not_permitted_to_sender`	Source account locked/frozen	Unlock/unfreeze account
`Transfer_limit_exceeded`	Tier limit exceeded	Reduce amount or upgrade tier
`Invalid_Amount`	Daily/monthly limit exceeded	Wait or request increase
`INSUFFICIENT_BALANCE`	Source account has insufficient balance	Deposit funds or activate overdraft
`Client_Not_Found`	Source/destination account not found	Verify account numbers

Business Rules

Validation Rules

Source Account Required: Source account must exist and be valid (by encoded key or account number)
Destination Account Required: Destination account must exist and be valid
Amount Required: Transfer amount must be greater than zero
Same Account Prevention: Source and destination accounts cannot be the same
Currency Match Required: Both accounts must use identical currency codes
Closed Account Block: Cannot transfer to closed or written-off destination accounts
Frozen/Locked Block: Cannot transfer from frozen or locked source accounts
Blacklist Block: Cannot transfer if source account customer is blacklisted
Balance Sufficiency: Source account balance (including overdraft) must cover transfer amount
Tier Limit Compliance: Transfer amount must be within account tier's withdrawal transaction limit
Daily Limit Compliance: Total daily withdrawals + transfer amount must not exceed tier's daily limit
Monthly Limit Compliance: Total monthly withdrawals + transfer amount must not exceed tier's monthly limit
Daily Count Limit: Daily transaction count must not exceed tier's daily count limit
Monthly Count Limit: Monthly transaction count must not exceed tier's monthly count limit

Operational Rules

Overdraft Expiry Check: Overdraft facility only applies if expiry date > current date
Transaction Key Generation: Each transfer receives unique GUID-based transaction key
Dual Narration: Both source and destination accounts receive customized narrations based on product templates
Transaction Context: Narration templates have access to full transaction context (accounts, amount, transaction key)
Transaction ID Template: Transaction ID can be customized via product configuration template
User Context Recording: All transfers record initiating user's name and encoded key
Timestamp Recording: Multiple timestamps captured (DateCreated, BookDate, ValueDate, EntryDate)
Channel Tracking: Optional channel code allows categorization of transfer source (MOBILE, BRANCH, ATM, etc.)
Service Categorization: Optional service ID and description enable transfer categorization for reporting
Eager Loading: Related entities (Client, DepositProduct, Currency) loaded in single query for performance
Transaction Breakdown Query: Daily and monthly aggregate amounts and counts queried before limit validation
State Transition: Destination account may transition from Approved to Active state upon receiving transfer
Settlement State: Transfers are created in SETTLED state (immediate balance impact on both accounts)
Error Code Mapping: Standard NIBSS response codes mapped for interoperability
Logging: Transfer initiation logged with amount, source, destination, and notes for audit trail

InitiateDepositCommand: For crediting accounts without source debit
InitiateWithdrawalCommand: For debiting accounts without destination credit
GetDepositAccountTransactionBreakdownQuery: Query transaction aggregates for limit validation
LockDepositAccountCommand: Lock account to prevent all transactions including transfers
UnlockDepositAccountCommand: Unlock account to restore transfer capability
ActivatePNDOnAccountCommand: Activate Post No Debit to block withdrawals/transfers from source account

Changelog

Version	Date	Changes
1.0.0	2024-01-15	Initial implementation with dual account validation
1.1.0	2024-03-20	Added currency mismatch validation
1.2.0	2024-06-10	Implemented tier limit enforcement
1.3.0	2024-08-15	Added overdraft facility support
1.4.0	2024-10-01	Enhanced narration templates with dynamic context

Support

For technical assistance with the InitiateTransferCommand:

Documentation: https://docs.banklingo.com/api/deposit-transactions/initiate-transfer
API Support: api-support@banklingo.com
Developer Forum: https://community.banklingo.com/api-questions

Overview​

Key Capabilities​

API Endpoint​

Headers​

Request Structure​

Command Payload​

Request Fields​

Response Structure​

Success Response​

Error Response​

Response Fields​

Sample Requests​

1. Basic Internal Transfer​

2. Bill Payment Transfer​

3. Loan Repayment Transfer​

4. Cross-Branch Transfer​

Business Logic​

Processing Workflow​

Validation Steps​

Balance Impact​

Limit Enforcement Logic​

Error Responses​

6 Error Scenarios​

Architecture​

Component Interaction​

Key Components​

Security Considerations​

Authentication & Authorization​

Data Protection​

Performance Considerations​

Optimization Strategies​

Expected Performance​

Troubleshooting​

Common Issues​

1. Currency Mismatch Error​

2. Insufficient Balance Despite Visible Balance​

3. Tier Limit Exceeded​

4. Daily/Monthly Limit Exceeded​

5. Account Locked/Frozen​

6. Same Account Transfer Attempt​

Monitoring & Alerts​

Key Metrics​

Alert Thresholds​

Audit & Compliance​

Audit Trail​

Compliance Requirements​

Code Examples​

C# Implementation​

JavaScript Implementation​

Python Implementation​

Response Codes​

Business Rules​

Validation Rules​

Operational Rules​

Related Operations​

Changelog​

Support​

Overview

Key Capabilities

API Endpoint

Headers

Request Structure

Command Payload

Request Fields

Response Structure

Success Response

Error Response

Response Fields

Sample Requests

1. Basic Internal Transfer

2. Bill Payment Transfer

3. Loan Repayment Transfer

4. Cross-Branch Transfer

Business Logic

Processing Workflow

Validation Steps

Balance Impact

Limit Enforcement Logic

Error Responses

6 Error Scenarios

Architecture

Component Interaction

Key Components

Security Considerations

Authentication & Authorization

Data Protection

Performance Considerations

Optimization Strategies

Expected Performance

Troubleshooting

Common Issues

1. Currency Mismatch Error

2. Insufficient Balance Despite Visible Balance

3. Tier Limit Exceeded

4. Daily/Monthly Limit Exceeded

5. Account Locked/Frozen

6. Same Account Transfer Attempt

Monitoring & Alerts

Key Metrics

Alert Thresholds

Audit & Compliance

Audit Trail

Compliance Requirements

Code Examples

C# Implementation

JavaScript Implementation

Python Implementation

Response Codes

Business Rules

Validation Rules

Operational Rules

Related Operations

Changelog

Support