# EngageXPay

> EngageXPay Orchestration API documentation. Guides and API reference for onboarding customers (KYB/KYC), managing beneficiaries, sending payouts, virtual accounts, balances, FX rates, and webhooks.

- [Welcome](https://doc.engagexpay.com/index.md): EngageXPay's Orchestration API: move money between fiat and stablecoin, across borders, through one integration.
- [Glossary](https://doc.engagexpay.com/guides/get-started/glossary.md): The core concepts behind the EngageXPay API: customers, virtual accounts, beneficiaries, webhooks, coverage, and catalogue data.
- [EngageXPay Setup Guide](https://doc.engagexpay.com/guides/get-started/engagexpay-setup-guide.md): How to get onboarded, sign in to the EngageXPay app, and issue your first API keys.
- [Coverage & Capabilities](https://doc.engagexpay.com/guides/coverage/coverage-and-capabilities.md): EngageXPay supports payouts and payins (on-ramps and off-ramps) across several global corridors, and is moving fast to add new corridors and increase our reach.
- [Supported Rails and Currencies](https://doc.engagexpay.com/guides/coverage/supported-rails-and-currencies.md): Stablecoin and blockchain network pairs, fiat rails and currencies, and the supported combinations for on-ramp (Payin) and off-ramp (Payout) transfers.
- [Onboarding Individual Customers](https://doc.engagexpay.com/guides/customers-and-compliance/onboarding-individuals.md): Complete guide to onboarding individual customers with personal details, financial profiles, and identity verification
- [Onboarding Business Customers](https://doc.engagexpay.com/guides/customers-and-compliance/onboarding-businesses.md): Complete guide to onboarding business clients with company details, financial profiles, addresses, and associated parties.
- [Responding to RFIs](https://doc.engagexpay.com/guides/customers-and-compliance/responding-to-rfis.md): How EngageXPay requests additional customer information, where the RFI payload appears, and how to submit a response with the Patch Customer RFI endpoint.
- [Entity-Wise Document Requirement](https://doc.engagexpay.com/guides/customers-and-compliance/entity-wise-document-requirement.md)
- [Individual Identifying Documents](https://doc.engagexpay.com/guides/customers-and-compliance/individual-identifying-documents.md): Document requirements for individual customers and for the associated parties of a business customer.
- [Individual Tax ID Documents](https://doc.engagexpay.com/guides/customers-and-compliance/individual-tax-id-documents.md): The following lists tax ID types that EngageXPay will accept for Individuals and associated parties by region.
- [Business Tax ID Documents by Region](https://doc.engagexpay.com/guides/customers-and-compliance/business-tax-id-documents-by-region.md): The following lists tax ID types that EngageXPay will accept for businesses by region.
- [Business Industry Codes](https://doc.engagexpay.com/guides/customers-and-compliance/business-industry-codes.md)
- [High Risk Activities](https://doc.engagexpay.com/guides/customers-and-compliance/high-risk-activities.md): Understanding disclosure requirements and prohibited activities for business customers
- [Guidance on Nested Payments & Onboarding](https://doc.engagexpay.com/guides/customers-and-compliance/nested-payments-and-onboarding.md): How EngageXPay handles nested payments & onboarding
- [SLAs for Compliance](https://doc.engagexpay.com/guides/customers-and-compliance/sla-for-compliance.md): Onboarding · Support availability · Query response · RFI handling. Version 2.0 · September 2026
- [Beneficiary Onboarding Guide](https://doc.engagexpay.com/guides/beneficiaries/beneficiary-onboarding.md)
- [Bank Account & Routing Number Validation Rules](https://doc.engagexpay.com/guides/beneficiaries/bank-account-and-routing-validation-rules.md): Allowed values for bank account and routing schemes when creating a beneficiary.
- [Sender & Receiver Relationships](https://doc.engagexpay.com/guides/beneficiaries/sender-and-receiver-relationships.md): Understanding relationship types between senders and beneficiaries for compliant transactions
- [Sending Your First Payout](https://doc.engagexpay.com/guides/beneficiaries/sending-your-first-payout.md): Understand the payout modalities EngageXPay supports, how each one works, and which one applies to the beneficiary you onboarded.
- [Creating a Virtual Account](https://doc.engagexpay.com/guides/virtual-accounts/creating-a-virtual-account.md): How to issue a virtual account for a customer, follow it to ACTIVE, and receive the first deposit as stablecoin.
- [Receiving the First Deposit](https://doc.engagexpay.com/guides/virtual-accounts/receiving-the-first-deposit.md): How to share a virtual account's deposit instructions, what arrives at your destination wallet, and how to reconcile it.
- [Verifying Webhooks](https://doc.engagexpay.com/guides/webhooks/verifying-webhooks.md): Learn how to verify webhook signatures to ensure authenticity and security
- [Event Structure](https://doc.engagexpay.com/guides/webhooks/event-structure.md): The shape of every EngageXPay webhook payload, the events you can subscribe to, and the status values each one carries.
- [Funding Your Balance](https://doc.engagexpay.com/guides/move-money/funding-your-balance.md): Learn how to fund your EngageXPay balance to enable transfers and payouts to beneficiaries on behalf of your customers
- [How USD Features Work for a Customer](https://doc.engagexpay.com/guides/move-money/how-usd-features-work-for-a-customer.md)
- [Processing Windows & Cutoff Times](https://doc.engagexpay.com/guides/operations/processing-windows-and-cutoffs.md): Cutoff times and settlement windows across fiat and crypto rails.
- [Bank Holidays 2026](https://doc.engagexpay.com/guides/operations/bank-holidays-2026.md): Banking partner holiday schedule for US and Singapore rails in 2026.
- [Issue a Token](https://doc.engagexpay.com/api-reference/authentication/issue-a-token.md): Generate an access token using client credentials
- [Refresh a Token](https://doc.engagexpay.com/api-reference/authentication/refresh-a-token.md): Generate a new token pair based on a refresh token.
- [Create Individual Customer](https://doc.engagexpay.com/api-reference/customers/create-individual-customer-v2.md): Create a new individual customer with verification details, basic info, address, and financial profile.
- [Attach Documents to Individual Customer](https://doc.engagexpay.com/api-reference/customers/attach-documents-to-individual-customer-v2.md): Attach identifying and address documents to an existing individual customer, using separate identifying_documents and address_documents arrays. Documents are processed asynchronously.
- [Create Business Customer](https://doc.engagexpay.com/api-reference/customers/create-business-customer-v2.md): Create a new business customer with full KYB profile, associated parties (UBOs/directors), compliance data, and optionally holding structure and public listing details.
- [Attach Documents to Business Customer](https://doc.engagexpay.com/api-reference/customers/attach-documents-to-business-customer-v2.md): Attach formation, ownership, and supporting documents to an existing business customer. Documents are categorised into three arrays: formation_documents, ownership_documents, and supporting_documents.
- [Attach Documents to Associated Party](https://doc.engagexpay.com/api-reference/customers/attach-documents-to-associated-party-v2.md): Attach identifying documents and address documents for one or more associated parties of a business customer, using separate identifying_documents and address_documents arrays. Multiple ID documents are allowed per party.
- [Get Customer Details](https://doc.engagexpay.com/api-reference/customers/get-customer-details-v2.md): Retrieve detailed information for a specific customer
- [List Customers](https://doc.engagexpay.com/api-reference/customers/list-customers-v2.md): Retrieve a list of customers filtered by type
- [Get Customer Capabilities](https://doc.engagexpay.com/api-reference/customers/get-customer-capabilities.md): Returns the on-ramp and off-ramp capabilities available for a customer, including the supported rails and their activation status for each currency and corridor.
- [Get Required Documents](https://doc.engagexpay.com/api-reference/customers/get-required-documents.md): List the documents a customer must upload before onboarding, by customer type, entity type and country of incorporation.
- [Upload Document](https://doc.engagexpay.com/api-reference/customers/upload-document.md): Upload customer documents using multipart/form-data. Files can be uploaded with arbitrary field names (e.g., poa, poi, passport, file1, etc.)
- [Patch Customer RFI](https://doc.engagexpay.com/api-reference/customers/patch-customer-rfi.md): Submit an RFI response for an individual or business customer. You must pass only the fields and documents specified in the RFI. Submitting data that was not requested will trigger an error.
- [Create Beneficiary V3](https://doc.engagexpay.com/api-reference/beneficiaries/create-beneficiary-v3.md): Create a new beneficiary for payments and transfers. Supports bank accounts and e-wallets as destination types.
- [Create Beneficiary V2](https://doc.engagexpay.com/api-reference/beneficiaries/create-beneficiary-v2.md): Create a new beneficiary account for payments and transfers
- [List Available Countries](https://doc.engagexpay.com/api-reference/beneficiaries/list-available-countries.md): Retrieve a list of countries supported for beneficiary creation with available payment methods and phone validation rules
- [List Bank Identifiers](https://doc.engagexpay.com/api-reference/beneficiaries/list-bank-identifiers.md): Retrieve a list of available banks or e-wallet providers for a specific country and method type
- [List Bank Branch Identifiers](https://doc.engagexpay.com/api-reference/beneficiaries/list-bank-branch-identifiers.md): Retrieve a list of available branches for a specific bank or payment method
- [Fetch Beneficiary Details](https://doc.engagexpay.com/api-reference/beneficiaries/fetch-beneficiary-details-v2.md): Retrieve detailed information for a specific beneficiary. Returns structured data for bank accounts, e-wallets, and external crypto wallet destinations.
- [List Beneficiaries For a Customer](https://doc.engagexpay.com/api-reference/beneficiaries/list-beneficiaries-for-a-customer.md): Retrieve all beneficiaries associated with a specific customer
- [Update Beneficiary Active Status](https://doc.engagexpay.com/api-reference/beneficiaries/update-beneficiary-active-status.md): Update the active status of a beneficiary to enable or disable it
- [Upload Beneficiary Documents](https://doc.engagexpay.com/api-reference/beneficiaries/upload-beneficiary-documents.md): Upload one or more documents for a specific beneficiary using multipart/form-data
- [Create Virtual Account V3](https://doc.engagexpay.com/api-reference/virtual-accounts/create-virtual-account-v3.md): Create a virtual bank account for a specific customer to convert fiat deposits to crypto. The `customer_id` path parameter identifies the customer for whom the virtual account is being created. V3 adds `source.bank` so you can choose the banking partner that issues the account, and returns the desti…
- [Create Virtual Account V2](https://doc.engagexpay.com/api-reference/virtual-accounts/create-virtual-account-v2.md): Create a virtual bank account for a specific customer to convert fiat deposits to crypto. The `customer_id` path parameter identifies the customer for whom the virtual account is being created.
- [List Virtual Accounts](https://doc.engagexpay.com/api-reference/virtual-accounts/list-virtual-accounts-v3.md): Retrieve a paginated list of all virtual accounts belonging to a specific customer.
- [Get Virtual Account Details](https://doc.engagexpay.com/api-reference/virtual-accounts/get-virtual-account-details.md): Retrieve the full record for a single virtual account, including the deposit instructions the customer funds the account with and the crypto destination the deposits settle to.
- [Fetch Virtual Account Transactions](https://doc.engagexpay.com/api-reference/virtual-accounts/fetch-virtual-account-transactions.md): Retrieve a paginated list of all transactions for a specific virtual account
- [Create a Transfer V3](https://doc.engagexpay.com/api-reference/transactions/create-a-transfer-v3.md): Initiate a transfer payout to a beneficiary.
- [Create a Transfer](https://doc.engagexpay.com/api-reference/transactions/create-a-transfer.md): Initiate a transfer payout to a beneficiary.
- [Create a Transfer V2](https://doc.engagexpay.com/api-reference/transactions/create-a-transfer-v2.md): Initiate a transfer payout to a beneficiary.
- [Settle a Transfer V3](https://doc.engagexpay.com/api-reference/transactions/settle-a-transfer-v3.md): Settle a transfer payout created with `POST /v3/transactions/transfer-payout`.
- [Settle a Transfer](https://doc.engagexpay.com/api-reference/transactions/settle-a-transfer.md): Settle a previously created transfer payout
- [Settle a Transfer V2](https://doc.engagexpay.com/api-reference/transactions/settle-a-transfer-v2.md): Settle a transfer payout created with `POST /v2/transactions/transfer-payout`.
- [Upload Beneficiary Documents](https://doc.engagexpay.com/api-reference/transactions/upload-beneficiary-documents.md): Upload one or more documents for a specific beneficiary using multipart/form-data
- [Execute Batch Transfer V3](https://doc.engagexpay.com/api-reference/transactions/execute-batch-transfer-v3.md): Execute multiple transfer payouts in a single batch operation.
- [Execute Batch Transfer](https://doc.engagexpay.com/api-reference/transactions/execute-batch-transfer.md): Execute multiple transfer payouts in a single batch operation.
- [Fetch Batch Details](https://doc.engagexpay.com/api-reference/transactions/fetch-batch-details.md): Retrieve detailed information about a batch transaction including all items and their statuses
- [Create Quote V3](https://doc.engagexpay.com/api-reference/transactions/create-quote-v3.md): Returns fee and receivable amount estimations for a crypto withdrawal from a EngageXPay internal wallet to a customer's external crypto wallet.
- [Create Quote](https://doc.engagexpay.com/api-reference/transactions/create-quote.md): Returns fee and receivable amount estimations for a crypto withdrawal from a EngageXPay internal wallet to a customer's external crypto wallet.
- [Execute Quote V3](https://doc.engagexpay.com/api-reference/transactions/execute-quote-v3.md): Executes a quote returned from the Create Quote endpoint, initiating a crypto withdrawal to the beneficiary's external wallet.
- [Execute Quote](https://doc.engagexpay.com/api-reference/transactions/execute-quote.md): Executes a quote returned from the Create Quote endpoint, initiating a crypto withdrawal to the beneficiary's external wallet.
- [List Customer Transactions V3](https://doc.engagexpay.com/api-reference/transactions/list-customer-transactions-v3.md): Returns a paginated list of transactions for a customer, optionally filtered by transaction type.
- [List Customer Transactions](https://doc.engagexpay.com/api-reference/transactions/list-customer-transactions.md): Returns a paginated list of transactions for a customer, optionally filtered by transaction type.
- [List Beneficiary Transactions](https://doc.engagexpay.com/api-reference/transactions/list-beneficiary-transactions.md): Retrieve a paginated list of all transactions for a specific beneficiary
- [Fetch Transaction Details V3](https://doc.engagexpay.com/api-reference/transactions/fetch-transaction-details-v3.md): Returns one transaction with its fiat or crypto details, fee breakdown, batch linkage and, for on-ramps, the depositor (the party that sent the fiat). A transaction is only visible to the client that owns the customer it belongs to.
- [Fetch Transaction Details](https://doc.engagexpay.com/api-reference/transactions/fetch-transaction-details-v2.md): Returns full details for a transaction by ID, including status, amounts, fees, and settlement data. The populated fields vary based on the transaction type.
- [Fetch Prefunded Balance](https://doc.engagexpay.com/api-reference/balances/fetch-prefunded-balance.md): Retrieve the current prefunded wallet balances
- [Fetch Exchange Rates](https://doc.engagexpay.com/api-reference/fees-and-fx-rates/fetch-exchange-rates.md): Retrieve exchange rates for a specific country or currency.
- [Calculate Exchange Rates](https://doc.engagexpay.com/api-reference/fees-and-fx-rates/calculate-exchange-rates.md): Calculate exchange rates and applicable fees for a transaction.
- [List Occupations](https://doc.engagexpay.com/api-reference/catalogue/list-occupations.md): Retrieve a list of available occupations
- [List Source of Funds](https://doc.engagexpay.com/api-reference/catalogue/list-source-of-funds.md): Retrieve a list of available source of funds
- [List Source of Wealth](https://doc.engagexpay.com/api-reference/catalogue/list-source-of-wealth.md): Retrieve a list of available source of wealth options
- [List Account Purposes](https://doc.engagexpay.com/api-reference/catalogue/list-account-purposes.md): Retrieve a list of available account purposes
- [List Generic Country Codes](https://doc.engagexpay.com/api-reference/catalogue/list-countries.md): Retrieve a list of country specific codes following ISO 3166-1 alpha-3 standard
- [List Subdivision Codes: ISO 3166-1 alpha-2](https://doc.engagexpay.com/api-reference/catalogue/list-subdivisions.md): Retrieve a list of subdivision codes for a specific country following ISO 3166-2 standard
- [List Transaction Purposes](https://doc.engagexpay.com/api-reference/catalogue/list-transaction-purposes.md): Retrieve a list of available transaction purposes
- [Customer Created](https://doc.engagexpay.com/api-reference/webhooks/customer-created.md): Triggered when a customer is successfully created.
- [Customer Status](https://doc.engagexpay.com/api-reference/webhooks/customer-status.md): Triggered when a customer's status changes during verification.
- [Customer RFI](https://doc.engagexpay.com/api-reference/webhooks/customer-rfi.md): Triggered when the compliance team requests additional information or documents from a customer. Sets the customer status to ACTION_REQUIRED. The payload includes a structured list of what is missing, invalid, or expired, scoped to either the customer or a specific associated party.
- [Beneficiary Created](https://doc.engagexpay.com/api-reference/webhooks/beneficiary-created.md): Triggered when a new beneficiary is created in the system.
- [Beneficiary Status](https://doc.engagexpay.com/api-reference/webhooks/beneficiary-status.md): Triggered when a beneficiary's status changes.
- [Virtual Account Created V2](https://doc.engagexpay.com/api-reference/webhooks/virtual-account-created-v2.md): Triggered when a new V2 virtual account is created for a customer.
- [Virtual Account Status V2](https://doc.engagexpay.com/api-reference/webhooks/virtual-account-status-v2.md): Triggered when a V2 virtual account’s status changes.
- [Transaction Status](https://doc.engagexpay.com/api-reference/webhooks/transaction-status.md): Triggered when a transaction's status changes.
- [Beneficiary Liquidation Deposit](https://doc.engagexpay.com/api-reference/webhooks/beneficiary-liquidation-deposit.md): Triggered when any transfer hits a beneficiary's liquidation address.
- [Batch Transaction Item Status](https://doc.engagexpay.com/api-reference/webhooks/batch-transaction-item-status.md): Triggered when a batch transaction item's status changes after committing a batch.
- [October 27, 2026](https://doc.engagexpay.com/changelogs/2026-10-27.md): Changelog for October 27, 2026
- [October 16, 2026](https://doc.engagexpay.com/changelogs/2026-10-16.md): Changelog for October 16, 2026
- [October 10, 2026](https://doc.engagexpay.com/changelogs/2026-10-10.md): Changelog for October 10, 2026
- [October 9, 2026](https://doc.engagexpay.com/changelogs/2026-10-09.md): Changelog for October 9, 2026
- [October 2, 2026](https://doc.engagexpay.com/changelogs/2026-10-02.md): Changelog for October 2, 2026
- [September 9, 2026](https://doc.engagexpay.com/changelogs/2026-09-09.md): Changelog for September 9, 2026
- [August 16, 2026](https://doc.engagexpay.com/changelogs/2026-08-16.md): Changelog for August 16, 2026
- [FAQs](https://doc.engagexpay.com/faqs/index.md): FAQs regarding API integration, sandbox testing, technical capabilities, and others.

## OpenAPI Specs

- [openapi](/api-reference/openapi.yaml)

## Optional

- [Main Site](https://engagexpay.com)


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.