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Transfers & Disbursement

Initiate intra and inter-bank payouts to any Nigerian bank account from your Radix wallet. Validate beneficiaries, send funds, and track outcomes — all through a single unified API.

🏦 60+ supported banks✅ Beneficiary validation📡 Real-time status polling

Disbursement Flow​

Follow these four steps in order. Each step passes a key value to the next.

1
Fetch the Bank List

Call Bank List to retrieve all supported banks and their bankCode values. Use these codes in subsequent Name Enquiry and Fund Transfer requests.

2
Validate the Beneficiary (Name Enquiry)

Submit the beneficiary's accountNumber and bankCode to Name Enquiry. The response returns the verified accountName and a nameEnquiryRef — a required token for the transfer step.

3
Initiate the Fund Transfer

Send the payout via Fund Transfer, passing the beneficiary details, amount, nameEnquiryRef, and a unique reference you generate. The reference is your key for status tracking.

4
Poll Transfer Status

Use Transfer Status with your reference to confirm the outcome. HTTP 2xx only means the request was received — always inspect data.transactionStatus in the response body for the actual transfer result.

Important Notes​

Always check transactionStatus

An HTTP 200 response from the Transfer Status endpoint does not mean the transfer succeeded. The transfer may still be pending or failed. Always read data.transactionStatus in the response body for the definitive outcome.

Bearer token required

All endpoints in this section require a valid Bearer token. Obtain one from the Access Token endpoint and pass it as Authorization: Bearer <token> on every request.

Endpoints​