Collect with Custodial Wallet

How the money moves

1. Before the order, your user agrees that funds will move from their wallet to you.
2. The user pays with a local method.
3. TransFi creates a wallet in the user's name and moves the money through it.
4. Your TransFi balance is credited.
5. You get fund_settled → you top up the user's balance on your platform.
6. You are settled to your bank in batches — see Settlements.

The wallet is a pass-through in the user's name. It does not hold a balance.

Steps

1. Create the user

Create Individual User. Save the userId.

2. Get the user's consent

Before creating the order, your user must agree to the transfer from their wallet to you. Record this on your side.

3. Create the order

The orderType is gaming. Everything else is the same as a local payment method collection.

curl -X POST 'https://sandbox-api.transfi.com/v3/orders' \
  -H 'Authorization: Basic YOUR_BASE64_CREDENTIALS' \
  -H 'mid: YOUR_MID' \
  -H 'Content-Type: application/json' \
  -d '{
    "userId": "UX-250930062608488",
    "orderType": "gaming",
    "purposeCode": "company_expenses",
    "partnerId": "order-1003",
    "source": {
      "currency": "PHP",
      "amount": "2500",
      "paymentType": "local_wallet",
      "paymentCode": "GCASH"
    },
    "destination": {
      "currency": "USDT"
    }
  }'

You get back a payUrl. Send the user there. → Create Order

4. Wait for the final status

Related

Payouts — pay withdrawals · Settlements · Webhook events: Payin with wallet