> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vultlocal.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Internal Transfer

> Transfer funds between accounts internally

<Info>
  Internal transfers move funds between subscriber accounts using account IDs. For transfers by card serial, use [P2P Transfer](/api-reference/wallet/transfer-p2p).
</Info>

## Request

<ParamField header="Authorization" type="string" required>
  `Bearer olive_live_xxx` or `Bearer eyJ...` (JWT)
</ParamField>

### Body Parameters

<ParamField body="from_account_id" type="string" required>
  Source account UUID
</ParamField>

<ParamField body="to_account_id" type="string" required>
  Destination account UUID
</ParamField>

<ParamField body="amount" type="string" required>
  Amount to transfer
</ParamField>

<ParamField body="pin" type="string" required>
  Source account PIN
</ParamField>

<ParamField body="description" type="string">
  Transfer description
</ParamField>

***

## Response

<ResponseField name="success" type="boolean">
  Whether transfer succeeded
</ResponseField>

<ResponseField name="transaction_id" type="string">
  Unique transaction ID
</ResponseField>

<ResponseField name="message" type="string">
  Result message
</ResponseField>

***

## Examples

<RequestExample>
  ```bash cURL theme={null}
  curl -X POST "https://demo.api.vultlocal.com/api/v1/wallet/transfer" \
    -H "Authorization: Bearer olive_live_xxx" \
    -H "Content-Type: application/json" \
    -d '{
      "from_account_id": "acc_abc123",
      "to_account_id": "acc_xyz789",
      "amount": "1000.00",
      "pin": "1234",
      "description": "Settlement payment"
    }'
  ```
</RequestExample>

<ResponseExample>
  ```json 200 Success theme={null}
  {
    "success": true,
    "message": "Transfer completed successfully",
    "transaction_id": "txn_abc123",
    "amount": "1,000.00 SLE",
    "from_balance": "49,000.00 SLE",
    "to_balance": "11,000.00 SLE"
  }
  ```

  ```json 400 Insufficient Balance theme={null}
  {
    "success": false,
    "error": "Insufficient balance",
    "code": "INSUFFICIENT_FUNDS"
  }
  ```
</ResponseExample>

***

## Use Cases

| Scenario           | Description                  |
| ------------------ | ---------------------------- |
| Agent Settlement   | Transfer from agent to OLIVE |
| Corporate Payroll  | Bulk employee payments       |
| Refunds            | Return funds to subscriber   |
| Account Adjustment | Administrative corrections   |

***

## Errors

| Status | Code                 | Description             |
| ------ | -------------------- | ----------------------- |
| 400    | `INVALID_AMOUNT`     | Amount format invalid   |
| 400    | `INSUFFICIENT_FUNDS` | Balance too low         |
| 400    | `INVALID_PIN`        | PIN verification failed |
| 401    | `UNAUTHORIZED`       | Invalid API key         |
| 404    | `ACCOUNT_NOT_FOUND`  | Account not found       |
| 500    | `INTERNAL_ERROR`     | Server error            |


## OpenAPI

````yaml olive-openapi.json POST /wallet/transfer
openapi: 3.0.0
info:
  description: >-
    API Gateway for OLIVE NFC Card Payment System - Comprehensive payment, card
    management, agent operations, and admin authentication. All /api/v1 routes
    require authentication using either API Key or JWT token.
  title: OLIVE NFC Card Payment API
  termsOfService: http://swagger.io/terms/
  contact:
    name: API Support
    email: support@olive.sl
  license:
    name: Apache 2.0
    url: http://www.apache.org/licenses/LICENSE-2.0.html
  version: 1.0.0
servers:
  - url: https://olive-gateway-a6ba.onrender.com/api/v1
security: []
paths:
  /wallet/transfer:
    post:
      tags:
        - Wallet
      summary: Internal Transfer
      description: Transfer funds between accounts internally
      parameters:
        - name: Authorization
          in: header
          required: true
          schema:
            type: string
      requestBody:
        content:
          application/json:
            schema:
              type: object
              properties:
                from_account_id:
                  type: string
                to_account_id:
                  type: string
                amount:
                  type: string
                pin:
                  type: string
                description:
                  type: string
              required:
                - from_account_id
                - to_account_id
                - amount
                - pin
        required: true
      responses:
        '200':
          description: Success
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
      security:
        - BearerAuth: []
components:
  securitySchemes:
    BearerAuth:
      description: >-
        JWT token from admin login for administrative operations. Format:
        'Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...'
      type: apiKey
      name: Authorization
      in: header

````