> ## Documentation Index > Fetch the complete documentation index at: https://developers.circle.com/llms.txt > Use this file to discover all available pages before exploring further. # Reserve funds for a credit transfer > Reserves funds for a Settlement Advance draw. This is the first mandatory step in the Settlement Advance transfer flow. Reserved funds expire after 30 minutes if not progressed to `requested` status via the request reserved funds endpoint. Only one transfer may be in `funds_reserved` status per credit line at a time. **Note:** This endpoint is only available for Settlement Advance products. ## OpenAPI ````yaml openapi/credit.yaml post /v1/credit/transfers/reserveFunds openapi: 3.0.2 info: version: ${version} title: Credit API description: > The Circle Credit API provides access to credit facilities including Line of Credit and Settlement Advance products. **Line of Credit** enables direct drawdowns with auto-approval and asynchronous disbursement. Supports both fiat and crypto repayment. **Settlement Advance** requires a reserve-then-request flow with manual approval. Requires wire proof upload for disbursement approval. Supports fiat repayment only. servers: - url: https://api-sandbox.circle.com - url: https://api.circle.com security: [] tags: - name: Credit description: Get credit line details. - name: Credit Transfers description: Create, reserve, and manage credit transfers (drawdowns). - name: Credit Fees description: View fees charged on credit transfers. - name: Credit Repayments description: View and initiate repayments on credit transfers. paths: /v1/credit/transfers/reserveFunds: post: tags: - Credit Transfers summary: Reserve funds for a credit transfer description: > Reserves funds for a Settlement Advance draw. This is the first mandatory step in the Settlement Advance transfer flow. Reserved funds expire after 30 minutes if not progressed to `requested` status via the request reserved funds endpoint. Only one transfer may be in `funds_reserved` status per credit line at a time. **Note:** This endpoint is only available for Settlement Advance products. operationId: reserveCreditTransferFunds requestBody: content: application/json: schema: $ref: '#/components/schemas/CreditTransferCreationRequest' examples: Without Destination: value: idempotencyKey: ba943ff1-ca16-49b2-ba55-1057e70ca5c7 amount: amount: '100000.00' currency: USD With Blockchain Destination: value: idempotencyKey: ba943ff1-ca16-49b2-ba55-1057e70ca5c7 amount: amount: '100000.00' currency: USD destination: type: verified_blockchain addressId: a1b2c3d4-e5f6-7890-abcd-ef1234567890 responses: '201': description: Successfully reserved funds for a credit transfer. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: title: ReserveCreditTransferFundsResponse properties: data: $ref: '#/components/schemas/CreditTransfer' examples: Without Destination: value: data: id: fc988ed5-c129-4f70-a064-e5beb7eb8e32 amount: amount: '100000.00' currency: USD status: funds_reserved expiresAt: '2024-03-20T15:00:00.000Z' createDate: '2024-03-20T14:30:00.000Z' updateDate: '2024-03-20T14:30:00.000Z' With Blockchain Destination: value: data: id: fc988ed5-c129-4f70-a064-e5beb7eb8e32 amount: amount: '100000.00' currency: USD status: funds_reserved expiresAt: '2024-03-20T15:00:00.000Z' blockchainDestination: addressId: a1b2c3d4-e5f6-7890-abcd-ef1234567890 status: pending createDate: '2024-03-20T14:30:00.000Z' updateDate: '2024-03-20T14:30:00.000Z' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/NotAuthorized' '409': $ref: '#/components/responses/Conflict' security: - bearerAuth: [] components: schemas: CreditTransferCreationRequest: type: object description: Request body for creating a new credit transfer (drawdown). required: - idempotencyKey - amount properties: idempotencyKey: $ref: '#/components/schemas/IdempotencyKey' amount: $ref: '#/components/schemas/FiatMoneyUsd' description: >- The amount and currency for the transfer. Currency must match the credit line currency. destination: $ref: '#/components/schemas/CreditTransferDestination' description: >- Optional blockchain destination for the transfer. When provided, disbursed funds will be sent to the specified verified blockchain address instead of the default fiat account. CreditTransfer: type: object description: A credit transfer (drawdown) from the credit line. required: - id - amount - status - createDate - updateDate properties: id: description: Unique identifier of the transfer. type: string format: uuid example: b3d9d2d5-4c12-4946-a09d-953e82fae2b0 amount: $ref: '#/components/schemas/FiatMoneyUsd' description: The transfer amount. status: description: Current status of the transfer. type: string enum: - funds_reserved - expired - canceled - requested - rejected - disbursed - paid - past_due example: disbursed outstanding: $ref: '#/components/schemas/FiatMoneyUsd' description: >- Remaining outstanding balance on the transfer. Present only when status is disbursed, paid, or past_due. fees: $ref: '#/components/schemas/CreditTransferFees' description: >- Fee summary for the transfer. Present only when status is disbursed, paid, or past_due. expiresAt: $ref: '#/components/schemas/UtcTimestamp' description: >- ISO-8601 UTC date/time when the reserved funds expire. Present only when status is funds_reserved. dueDate: $ref: '#/components/schemas/UtcTimestamp' description: >- ISO-8601 UTC date/time when the transfer repayment is due. Present only when status is disbursed, paid, or past_due. disbursedDate: $ref: '#/components/schemas/UtcTimestamp' description: >- ISO-8601 UTC date/time when the transfer was disbursed. Present only when status is disbursed, paid, or past_due. paidDate: $ref: '#/components/schemas/UtcTimestamp' description: >- ISO-8601 UTC date/time when the transfer was fully repaid. Present only when status is paid. blockchainDestination: $ref: '#/components/schemas/BlockchainDestinationResponse' description: >- Blockchain destination details. Present when the transfer was requested with a blockchain destination. createDate: $ref: '#/components/schemas/UtcTimestamp' description: ISO-8601 UTC date/time when the transfer was created. updateDate: $ref: '#/components/schemas/UtcTimestamp' description: ISO-8601 UTC date/time when the transfer was last updated. IdempotencyKey: type: string description: >- Universally unique identifier (UUID v4) idempotency key. This key is utilized to ensure exactly-once execution of mutating requests. format: uuid example: ba943ff1-ca16-49b2-ba55-1057e70ca5c7 FiatMoneyUsd: type: object required: - amount - currency properties: amount: description: Magnitude of the amount, in units of the currency, with a `.`. type: string example: '3.14' currency: description: Currency code. type: string enum: - USD CreditTransferDestination: type: object description: >- Optional blockchain destination for the credit transfer. When provided, the disbursed funds will be sent to the specified verified blockchain address. required: - type - addressId properties: type: description: The destination type. type: string enum: - verified_blockchain example: verified_blockchain addressId: description: The identifier of the verified blockchain address to send funds to. type: string format: uuid example: b3d9d2d5-4c12-4946-a09d-953e82fae2b0 CreditTransferFees: type: object description: Fee summary for a credit transfer. required: - total - unpaid properties: total: $ref: '#/components/schemas/FiatMoneyUsd' description: Total fees accrued on the transfer. unpaid: $ref: '#/components/schemas/FiatMoneyUsd' description: Fees that have not yet been paid. UtcTimestamp: type: string description: ISO-8601 UTC date/time format. example: '2020-04-10T02:13:30.000Z' BlockchainDestinationResponse: type: object description: >- Blockchain destination details for a credit transfer. Present when the transfer was requested with a blockchain destination. required: - addressId - status properties: addressId: description: The identifier of the verified blockchain address. type: string format: uuid example: b3d9d2d5-4c12-4946-a09d-953e82fae2b0 status: description: The status of the blockchain transfer. type: string enum: - pending - initiated - complete - failed example: pending transferId: description: >- The identifier of the blockchain transfer. Present once the transfer has been initiated. type: string format: uuid example: fc988ed5-c129-4f70-a064-e5beb7eb8e32 headers: XRequestId: description: >- Universally unique identifier (UUID v4) for the request. Helpful for identifying a request when communicating with Circle support. schema: type: string format: uuid example: 2adba88e-9d63-44bc-b975-9b6ae3440dde responses: BadRequest: description: The request cannot be processed due to a client error. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: BadRequest required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 400 message: Bad request. examples: response: value: code: 400 message: Bad request. NotAuthorized: description: >- The request has not been applied because it lacks valid authentication credentials. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: NotAuthorized required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 401 message: Malformed authorization. examples: response: value: code: 401 message: Malformed authorization. Conflict: description: >- The request has not been applied because it comes in conflict with another request (such as re-using an idempotencyKey for a different request). headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: Conflict required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 409 message: Conflicts with another request. examples: response: value: code: 409 message: Conflicts with another request. securitySchemes: bearerAuth: type: http scheme: bearer ````