Network Transfers Guide

Network transfers are Treasury Prime’s powerful solution for moving funds instantly between accounts across different banks within the OneKey Banking network. This guide will walk you through network transfers for your application.

What are Network Transfers?

Network transfers enable efficient fund movement between accounts at the same or different banks within Treasury Prime’s banking network. Unlike traditional ACH transfers, which can take days, network transfers are processed in seconds. The funds are part of the account’s current balance and are synchronized with the available balance throughout the day.

Network transfers are currently available exclusively for clients utilizing Treasury Prime’s OneKey Banking platform.

Key Benefits

Fast transfers: Move funds quickly across different banks
Unified API: Single interface for managing transfers across multiple financial institutions
Risk mitigation: Built-in redundancy across multiple bank partners
Scalability: Support uncapped deposit growth without changing providers

How Network Transfers Work

Network transfers leverage Treasury Prime’s unified banking infrastructure to enable seamless fund movement:

Authorization: You must have access to both source and destination accounts
Transit accounts: Banks maintain transit accounts to facilitate fund movement
Unified view: Single view of transactions across all bank partners

Network Transfers vs Other Transfer Types

Feature	Network Transfer	Book Transfer	ACH Transfer	Wire Transfer
Speed	Instant	Instant	1-3 days	Same day
Cross-bank	✅ Yes	❌ No	✅ Yes	✅ Yes
Cost	Low	Lowest	Low	High
Limits	High	High	Medium	Highest
Availability	OneKey Banking only	All banks	All banks	All banks

Network transfers require coordination with Treasury Prime and your bank partners to configure necessary transit and settlement accounts.

Testing Network Transfers

Sandbox does not currently offer a simulation type for network transfers, unlike ACH, wire, and card transfers. Treasury Prime plans to add sandbox simulation support for network transfers in a future release. Until then, Treasury Prime recommend testing network transfers directly in Production using low-value transfers between accounts you control.

Before you test

Confirm the following with Treasury Prime and your bank partners before initiating test transfers:

Both banks involved in the transfer have network transfers enabled.
The settlement and transit accounts required to support network transfers are configured for both banks. See Network Transfers Overview for details.
You have access to both the source account and the destination account used in each test transfer.

Recommended test scenarios

The scenarios below cover common network transfer paths. They serve as general guidelines and might not represent complete test coverage for your specific implementation.

Test subject	Description
Same-bank network transfer	Create a transfer between two accounts at the same bank. Confirm `status` moves from `pending` to `sent` and funds settle in near real time.
Cross-bank network transfer	Create a transfer between accounts at two different banks in your OneKey Banking network. Confirm `cross_bank` is `true` and funds settle in the destination account.
Insufficient funds	Create a transfer for an amount greater than the available balance in the source account. Confirm the transfer moves to an `error` status with a message describing the failure.
Matching source and destination	Create a transfer using the same account for `from_account_id` and `to_account_id`. Confirm Treasury Prime returns an error and no transfer is created.
Ineligible account	Create a transfer using an account not authorized for network transfers, or at a bank where settlement or transit accounts are not configured. Confirm Treasury Prime returns an error.
Off-hours settlement	Create a transfer outside your bank’s operating hours. Confirm `estimated_settlement_at` reflects the next banking business day.

Example: create a Network Transfer in Production

The following request creates a $1.00 network transfer between two accounts you control. Use a low-value amount to limit exposure while testing.

curl -u $API_KEY_ID:$API_SECRET_KEY https://api.treasuryprime.com/v2/network_transfer \
  -H 'Content-Type: application/json' \
  -d '{
        "from_account_id": "acct_1234567890",
        "to_account_id": "acct_0987654321",
        "amount": "1.00",
        "description": "Test NT"
      }'

Treasury Prime returns the created object with a pending status:

{
  "id": "nt_1029384756",
  "status": "pending",
  "from_account_id": "acct_1234567890",
  "to_account_id": "acct_0987654321",
  "amount": "1.00",
  "cross_bank": true,
  "description": "Test NT",
  "estimated_settlement_at": "2026-07-31T18:55:14Z",
  "error": null,
  "created_at": "2026-07-31T18:55:00Z",
  "updated_at": "2026-07-31T18:55:00Z"
}

Monitor transfer status

Because network transfers settle asynchronously, confirm the outcome of each test transfer using one of the following methods:

Console: Follow along in Treasury Prime’s Console by opening the source or destination account and reviewing the Transactions tab for the transfer.
Webhooks: Subscribe to the network_transfer.create and network_transfer.update events to receive the transfer status as it changes.
Polling: Retrieve the current status with GET /network_transfer/{id}.

A network transfer resolves to one of the following statuses:

Status	Description
`pending`	Treasury Prime is processing the transfer.
`sent`	The transfer completed and funds are available in the destination account.
`error`	The transfer failed. Check the `error` field for details.
`canceled`	The transfer was canceled before completion.

Because no sandbox simulation exists, plan Production test transfers with real dollar amounts and settlement times in mind. Coordinate with Treasury Prime before running large batches of test transfers.

Documentation

Accounts

Cards

Payments

What are Network Transfers?

Key Benefits

How Network Transfers Work

Network Transfers vs Other Transfer Types

Testing Network Transfers

Before you test

Recommended test scenarios

Example: create a Network Transfer in Production

Monitor transfer status

​What are Network Transfers?

​Key Benefits

​How Network Transfers Work

​Network Transfers vs Other Transfer Types

​Testing Network Transfers

​Before you test

​Recommended test scenarios

​Example: create a Network Transfer in Production

​Monitor transfer status

What are Network Transfers?

Key Benefits

How Network Transfers Work

Network Transfers vs Other Transfer Types

Testing Network Transfers

Before you test

Recommended test scenarios

Example: create a Network Transfer in Production

Monitor transfer status