Move Money

TAPP Cash supports two transfer types for individual users: TBA (internal, between the user's own accounts) and ACH (external, to/from linked bank accounts).

Internal Transfers (TBA)

Use TBA to move funds between two of the same user's internal TAPP Cash accounts. Both accounts must belong to the authenticated user.

1. Preview the transfer

Always show a preview screen before submitting — it calculates fees and shows the exact amount the recipient account will receive.

POST /accounts/private/v1/tba-requests/preview

{
  "accountIdFrom": 1001,
  "accountIdTo": 1002,
  "outgoingAmount": "100.00"
}

Response:

{
  "data": {
    "incomingAmount": "99.50",
    "outgoingAmount": "100.00",
    "details": [
      { "label": "Transfer fee", "amount": "0.50" }
    ]
  }
}

2. Submit the transfer

POST /accounts/private/v1/tba-requests

Same body as preview, plus an optional description. On success the request starts in pending status and is executed asynchronously.

{
  "accountIdFrom": 1001,
  "accountIdTo": 1002,
  "outgoingAmount": "100.00",
  "description": "Savings top-up"
}

External Account Linking (ACH)

ACH transfers allow users to pull funds from or push funds to their external bank accounts. The flow uses a BaaS provider (e.g., Plaid) to securely link the external account.

1. Get a BaaS authentication token

POST /external-accounts/private/v1/baas/auth-token

Returns a short-lived token to authenticate the user with the BaaS provider. Pass this token to the BaaS SDK to launch the account linking UI.

2. List linked external accounts

GET /external-accounts/private/v1/account

Returns all linked external bank accounts with masked account numbers, routing numbers, and current status.

3. Check transfer limits

GET /external-accounts/private/v1/transfer-limits

Returns the minimum and maximum transfer amounts for ACH operations.

4. Preview an ACH transfer

POST /accounts/private/v1/ext-requests/preview

{
  "fromAccountId": "ext_acc_12345",
  "toAccountId": "1001",
  "amount": "250.00"
}

Pull funds in: set fromAccountId to the external account, toAccountId to the internal account.
Push funds out: reverse them — fromAccountId = internal, toAccountId = external.

5. Submit the ACH transfer

POST /accounts/private/v1/ext-requests

Same body as preview, plus optional description.

Transfer Status

Both TBA and ACH transfers are processed asynchronously. Poll GET /accounts/private/v1/transactions or listen for notifications to track when a transfer moves from pending to executed.