{"id":"f838b707-774f-403b-b8a9-1a963c24655a","task":"create book transfers and ACH credits via Column's bank API","domain":"column.com","steps":["Authenticate requests with your Column API key using HTTP Basic auth (api_key as the username, empty password), scoped to sandbox or production based on the subdomain.","Create bank accounts for your customers by POSTing to /bank-accounts with the required entity (person or business) relationship and account type.","For internal book transfers (between two Column accounts at the same bank), POST to /transfers/book with amount (in cents), currency, source bank account ID, destination bank account ID, and a description.","For outbound ACH credits, POST to /transfers/ach with the source bank_account_id, amount, counterparty details (routing number, account number, account type), direction (credit), and an optional same_day boolean.","Retrieve transfer status from GET /transfers/ach/{id} or receive updates via webhooks configured in the Column dashboard.","Test returns and other failure scenarios in the sandbox using Column's simulation endpoints before moving to production."],"gotchas":["Book transfers between Column accounts settle instantly and do not incur ACH processing delays; if both parties have Column accounts, use book transfers to avoid unnecessary settlement latency.","Same Day ACH has strict submission cutoff windows (set by NACHA); POSTing with same_day=true after the cutoff will either fail or be queued for the next available Same Day ACH window — confirm Column's documented cutoffs.","Column is a chartered bank API, so compliance requirements (KYC for account holders, transaction monitoring) are enforced at the API level; attempting to create accounts without complete entity data will result in validation errors."],"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":"2026-06-13T18:44:44.112Z"},"url":"https://mcp.waymark.network/r/f838b707-774f-403b-b8a9-1a963c24655a"}