Fiat Deposit

You can use the Generate Deposit Instruction API to obtain the specific details required to fund your account. Deposit instructions vary based on the currency and payment rail selected. For a complete overview of supported currencies, payment methods, and applicable limits, please refer to the Fiat Rails and Limits documentation.

Summary

• Get deposit instructions via API and initiate the bank transfer, using the exact provided reference string.
• 1Money matches inbound deposits, issues webhook events with status and details, and updates your external account's balance.
• You can subscribe to webhooks for real-time status tracking.

Step-by-Step: Fiat Deposit via 1Money API

Below is an API-driven reference for creating and monitoring a Fiat Deposit on 1Money.

Step 1: Setup a Bank Deposit Instruction

Use the Retrieve Instruction API to get the banking details (instruction) for a fiat deposit.

curl -X GET \
  'https://api.1money.network/v1/instructions/deposit/{currency}' \
  -H 'Authorization: Bearer <YOUR_API_KEY>'

Sample Response

{
  "asset": "USD",
  "network": "US_FEDWIRE",
  "bank_instruction": {
    "bank_name": "Sample Bank Name",
    "routing_number": "121140399",
    "account_holder": "1Money",
    "account_number": "123-456789-0",
    "memorandum": "AC:0D123C4EE0F5",
    "account_identifier": "0d123c4ee0f5",
    "bic_code": "SSBAUS32",
    "address": {
      "full_address": "490 2nd St Suite 300, San Francisco, CA 94107",
      "country_code": "USA",
      "address_line1": "490 2nd St",
      "address_line2": "Suite 300",
      "city": "San Francisco",
      "region": "CA",
      "postal_code": "94107"
    },
    "transaction_fee": "0.0005"
  },

  "transaction_action": "DEPOSIT",
  "created_at": "2025-08-21T07:56:57.981Z",
  "modified_at": "2025-08-21T07:56:57.981Z"
}

Use the returned accountNumber, routingNumber, and reference for your bank transfer initiation.

Step 2: Make a Deposit via Your Bank

Perform a bank transfer to the provided account using the above instruction. This step is completed outside the API (via your bank interface).

Important: Include the reference string in the reference/memo field of your wire/ACH deposit. This ties the fiat leg to your 1Money account.

Step 3: Check Deposit Status Using 1Money Webhooks

1Money will notify you (or your backend) of deposit events using its Webhooks API. You can retrieve webhook delivery info for your reference ID, or monitor the linked external account for balance changes.

Retrieve Webhook by External ID

curl -X GET \
  'https://api.1money.network/v1/webhooks/externalId/{your_reference}' \
  -H 'Authorization: Bearer <YOUR_API_KEY>'

Sample Response

{
    "event_name": "FIAT_DEPOSIT",
    "status": "COMPLETED",
    "customer_id": "7b327344-7e63-11f0-895a-4ac62f6385bb",
    "transaction_id": "7b327344-7e63-11f0-895a-4ac62f6385bb",
    "created_at": "2025-08-21T07:56:57.981Z",
    "modified_at": "2025-08-21T07:56:57.981Z"
}

{
    "event_name": "FIAT_DEPOSIT",
    "status": "FAILED",
    "customer_id": "7b327344-7e63-11f0-895a-4ac62f6385bb",
    "transaction_id": "7b327344-7e63-11f0-895a-4ac62f6385bb",
    "created_at": "2025-08-21T07:56:57.981Z",
    "modified_at": "2025-08-21T07:56:57.981Z"
}