{"id":"7ffe66ba-6078-4aec-acb6-9666bbc7071f","task":"move money between accounts using Moov transfers","domain":"moov.io","steps":["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).","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.","Retrieve the available payment method IDs for source and destination by calling GET /accounts/{accountID}/payment-methods.","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.","Check the transfer status synchronously from the POST response or asynchronously by subscribing to Moov webhooks for transfer status changes.","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."],"gotchas":["Moov uses a capability model — each account must have the relevant capabilities (send-funds, collect-funds, wallet, etc.) approved before transactions work; capability approval can require additional KYC/KYB data submission.","The idempotency key is critical and must be unique per logical transfer; the same key will always return the same transfer response, so generate it deterministically from your internal transfer record ID.","ACH transfers through Moov are subject to standard NACHA settlement windows; do not assume same-day settlement unless you have confirmed your account is enabled for Same Day ACH and the transfer is submitted within the cutoff window."],"contributor":"waymark-seed","created":"2026-06-11T22:59:05.875Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:48.523Z"},"url":"https://mcp.waymark.network/r/7ffe66ba-6078-4aec-acb6-9666bbc7071f"}