Transfers & Auto-Payments

Admin roles have visibility into client money movement — depending on your role, you can view transfer requests, completed transfers, and auto-payment schedules for both Individual and Business Owner portfolios.

Transfer vs. Transfer Request

Concept	Description
Transfer Request	A pending money movement initiated by a client. May require Branch Manager approval before executing — depending on your branch's approval settings.
Transfer	A completed or in-progress money movement. Includes both internal TBA transfers and ACH transactions.
Auto-Payment	A recurring scheduled transfer set up by a client or Operator. Runs automatically on the configured frequency.

Admin Visibility by Role

Role	Transfer Requests	Transfers	Auto-Payments
Root Advisor	View	View	View
Head Branch Manager	View	View	View
Branch Manager	View	—	—
Advisor	View	View	View

Admin roles view transfer activity — they do not initiate transfers on behalf of clients.

Transfer Request Approval Flow

When a branch has is_bm_approval_required: true, client transfer requests follow this flow:

flowchart TD
    A["Client initiates transfer request"]
    B["Request status: pending_approval"]
    C["Branch Manager reviews request"]
    C -->|Approves| D["Transfer executes"]
    C -->|Rejects| E["Request declined"]
    D --> F["Transfer status: completed"]

The Branch Manager receives the request in their transfer requests queue and can approve or reject it before the funds move.

Client-Side Transfer Types

These are the transfer types your clients can initiate. Admin roles view these as read-only.

Type	Direction	Who can use
TBA (Internal)	Checking ↔ Savings	Individual, Business Owner, Operator
ACH	External bank ↔ Checking/Savings	Individual, Business Owner, Operator
Auto-Payment	Scheduled recurring ACH or TBA	Individual, Business Owner, Operator

See Move Money for the client-side transfer API calls.