> ## Documentation Index
> Fetch the complete documentation index at: https://docs.treasuryprime.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Network Transfers Guide

> Instant cross-bank transfers

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.

<Note>
  Network transfers are currently available exclusively for clients
  utilizing Treasury Prime's OneKey Banking platform.
</Note>

### 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:

1. **Authorization**: You must have access to both source and
   destination accounts
2. **Transit accounts**: Banks maintain transit accounts to facilitate
   fund movement
3. **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     |

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