Introduce FX-based routing for Card Account transfers
Effective Date: 2026-08-12 (UTC+8)Scope: Transfer / Card Account
[API] Card account top-up
This update introduces a brand-new Foreign Exchange (FX) based cross-currency top-up workflow for Card Accounts within the transfer module. Distinct from the existing instant transfer systems, the new FX flow strictly enforces a two-step "quote-and-trade" mechanism to guarantee reliable exchange rate locking and transaction security.
- Precise Rate Locking & Idempotency: Developers must first invoke the upfront quote endpoint to obtain real-time exchange rates and a
quoteId. This identifier is used during order placement for precise price locking, with eachquoteIdrestricted to a single use. - Automated Account Resolution: Seamlessly supports cross-currency top-ups from Virtual Account Groups or Crypto Wallets. The destination Card Account is automatically resolved by the underlying system, significantly simplifying the integration effort.
- 💡 Pro Tip for Rate Inquiry: If you only need to check the real-time exchange rate, you can call the quote endpoint without passing the
amountfield. The system will simply return theratewithout generating a specificquoteId.
We have concurrently launched the FX-based transfer-out capability for Card Accounts, allowing users to convert and transfer USD funds to a Virtual Account Group or Crypto Wallet at a strictly locked exchange rate. This flow identically adheres to the two-step quote-and-trade mechanism.
- Zero-Fee Policy: The system currently features a complete zero-fee policy (fee rate fixed at 0) for all Card Account FX transfer-out transactions.
- Strict Currency Validation: In terms of business validation, the system will actively reject requests attempting to use USD as the receiving currency when transferring out to a Crypto Wallet.
- OTC Quota Exemption Rules: Personal entities utilizing this FX transfer flow are automatically exempted from Over-The-Counter (OTC) quota validations, whereas non-whitelisted corporate clients remain subject to standard quota management controls.
- 💡 Pro Tip for Rate Inquiry: Similarly, you can call this quote endpoint without the
amountparameter to purely query the current USD transfer-out exchange rate.
General Limits & Transfer Type Matrix:
To ensure successful API calls, please pay close attention to the following global limits applied to the transfer module:
- Transfer requests originating from frozen accounts or PSP customers will be actively rejected.
- The quote and trade requests must be initiated by the exact same entity; otherwise, the system will fail to match the
quoteIdcache during order placement. - Supported entities: Corporate accounts, individual businesses, and personal entities (CaaS) can all utilize this transfer functionality.
Transfer Type Matrix:
| Direction | actionType | FX Lock | Instant Transfer | Module |
|---|---|---|---|---|
| VA → CA | va_2_ca | ✅ | - | transfer/ca-top-up |
| CW → CA | cw_2_ca | ✅ | - | transfer/ca-top-up |
| CA → VA | ca_2_va | ✅ | - | transfer/ca-transfer-out |
| CA → CW | ca_2_cw | ✅ | - | transfer/ca-transfer-out |
| CW → CA | cw_2_ca | - | ✅ | crypto-wallet/transfer |
| CA → CW | ca_2_cw | - | ✅ | crypto-wallet/transfer |
💡 Note: The crypto-wallet/transfer endpoints execute instant transfers (settled at real-time exchange rates), whereas the transfer/* endpoints utilize the FX two-step flow (quote and lock price before settlement). Both workflows operate in parallel; please choose according to your business needs.
Thank you for choosing DogPay! If you encounter any issues or need assistance during integration, please feel free to reach out to the technical support team.