# Create internal transfer

Source: https://business-api-docs.youhodler.com/docs/api/reference/internal-transfers/internal-transfers-create

Initiates an internal transfer between two accounts inside the same tenant. Idempotent on `Idempotency-Key` or body `client_idempotency_key`.

## Request

**Request URL — POST**
```http
POST /internal-transfers
```

**Request Body — application/json**
```json
{
  "amount": {
    "currency": "USDC",
    "value": "250.00"
  },
  "source_ref": "client-accounts/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
  "target_ref": "client-accounts/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b"
}
```

## Responses

**202 Request accepted for asynchronous processing**

Request accepted for asynchronous processing. Poll the returned operation ID to track status transitions.

```json
{
  "account_ref": "client-accounts/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
  "approval_ref": null,
  "created_at": "2026-05-01T10:00:00Z",
  "failure_reason": null,
  "family": "internal_transfer",
  "family_params": {
    "source_ref": "client-accounts/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
    "target_ref": "client-accounts/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b"
  },
  "fee_summary": {
    "components": [
      {
        "amount": {
          "currency": "USDC",
          "value": "1.00"
        },
        "kind": "network_fee"
      }
    ],
    "total": {
      "currency": "USDC",
      "value": "1.00"
    }
  },
  "fill_rate": null,
  "id": "b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
  "principal_amount": {
    "currency": "USDC",
    "value": "250.00"
  },
  "settled_at": "2026-05-01T10:00:00Z",
  "status": "executed",
  "subject_attribution": {
    "actor": null,
    "approved_by": null,
    "authenticated_principal": {
      "id": "b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
      "kind": "user",
      "tenant_ref": "enterprises/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b"
    },
    "enterprise_binding": {
      "tenant_type": "enterprise",
      "topology_ref": "enterprises/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b"
    },
    "federation": null,
    "identity_source": "platform-managed",
    "initiated_by": null,
    "subject": {
      "id": "b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
      "kind": "user",
      "tenant_ref": "enterprises/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b"
    }
  },
  "updated_at": "2026-05-01T10:00:00Z"
}
```

**400 Invalid request payload**

Invalid request payload, query, or parameter shape.

```json
{
  "code": "invalid_request",
  "details": {
    "reason": "missing_required_field"
  },
  "message": "The request contains invalid or missing fields."
}
```

**401 Caller is not authenticated or the bearer token is invalid**

Caller is not authenticated or the bearer token is invalid.

```json
{
  "code": "unauthorized",
  "message": "Authentication required."
}
```

**403 Caller lacks the required capability or permitted scope**

Caller lacks the required capability or permitted scope.

```json
{
  "code": "forbidden_capability_scope",
  "details": {
    "reason": "missing_capability"
  },
  "message": "Principal does not hold the required capability."
}
```

**409 State conflict — the request cannot be applied to the current resource state**

State conflict — the request cannot be applied to the current resource state.

```json
{
  "code": "idempotency_conflict",
  "details": {
    "reason": "key_payload_mismatch"
  },
  "message": "A different request was already submitted with this idempotency key."
}
```

**422 Operation is not admissible — it violates a business rule**

Operation is not admissible — it violates a business rule, policy constraint, or lifecycle precondition specific to this resource.

```json
{
  "code": "not_admissible",
  "details": {
    "reason": "rbac",
    "source": "rbac"
  },
  "message": "The operation was rejected by policy or RBAC."
}
```

**429 Request rate limit exceeded**

Request rate limit exceeded. Retry after the delay indicated in the `details.retry_after_ms` field.

```json
{
  "code": "rate_limited",
  "details": {
    "retry_after_ms": 5000
  },
  "message": "Too many requests."
}
```

**502 Upstream service returned an unexpected error**

Upstream service returned an unexpected error.

```json
{
  "code": "upstream_error",
  "message": "An upstream service returned an unexpected error."
}
```

**503 Service is temporarily unavailable**

Service is temporarily unavailable; retry with backoff.

```json
{
  "code": "temporarily_unavailable",
  "details": {
    "reason": "downstream_unavailable"
  },
  "message": "The service is temporarily unavailable. Retry after a short delay."
}
```

**Related endpoints:**

- `GET` [Get internal transfer](/docs/api/reference/internal-transfers/internal-transfers-get) — Poll status after creation
- `GET` [List client accounts](/docs/api/reference/client-accounts/client-accounts-list) — Find source and destination accounts
- `GET` [List master accounts](/docs/api/reference/master-accounts/master-accounts-list) — Find master account as transfer target