move money between accounts using Moov transfers

Steps

1. Create a Moov account for each party (your platform account is created during onboarding; create additional accounts via POST /accounts) with the required capabilities applied (e.g., transfers, send-funds).
2. Add a payment method to each account — for bank accounts POST a bank account object to /accounts/{accountID}/bank-accounts and complete micro-deposit or instant verification.
3. Retrieve the available payment method IDs for source and destination by calling GET /accounts/{accountID}/payment-methods.
4. Create a transfer by POSTing to /transfers with a JSON body specifying source (accountID and paymentMethodID), destination (accountID and paymentMethodID), amount (currency and value in minor units), and an idempotency key in the X-Idempotency-Key header.
5. Check the transfer status synchronously from the POST response or asynchronously by subscribing to Moov webhooks for transfer status changes.
6. Handle capability requirements — if an account lacks a required capability (e.g., send-funds), the transfer will fail with a clear error listing which capabilities need to be enabled.