How TransferLink Works
A simple, transparent process that connects financial institutions for seamless cross-border payments.
Transaction Flow
From initiation to settlement in four simple steps
User Initiates Transfer
A user at a sending institution (e.g., WingIt Payments) initiates a transfer to a recipient at another partner institution.
TransferLink API Routes
The sending institution's backend calls TransferLink API. We validate, route, and communicate with the receiving institution.
Receiving Institution Credits
The receiving institution receives the instruction and credits the beneficiary's wallet instantly.
Settlement & Reporting
Both institutions receive settlement in their preferred hard currency. Comprehensive reports available in the back office.
Partner Types
Choose how you want to participate in the network
Sending Institution
Initiate transactions on behalf of your users. Send money to any recipient at a partner institution.
- Initiate cross-border transfers
- Access to all receiving partners
- Real-time transaction status
- Earn 0.6875% per transaction
Receiving Institution
Receive transfer instructions and credit your users' wallets. Perfect for institutions in remittance corridors.
- Receive credit instructions
- Instant wallet crediting
- Hard currency settlement
- Earn 0.6875% per transaction
Both (Send & Receive)
Full network participation. Send and receive transfers, maximizing your earning potential and user value.
- Complete network access
- Maximum flexibility
- Dual revenue streams
- Full ecosystem benefits
Technical Architecture
TransferLink API is designed for reliability, security, and ease of integration. Our RESTful API supports all major programming languages and frameworks.
// Initialize TransferLink client
const transferlink = new TransferLink({
apiKey: process.env.TRANSFERLINK_API_KEY,
environment: 'production'
});
// Create a transfer
const transfer = await transferlink.transfers.create({
amount: 100.00,
currency: 'USD',
sender: {
accountId: 'sender_account_123',
institutionId: 'inst_wingit'
},
recipient: {
walletId: 'recipient_wallet_456',
institutionId: 'inst_partner'
}
});
console.log(transfer.status); // 'completed'
console.log(transfer.fees); // { total: 2.75, ... }