> ## 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. # Borrow against line of credit > Initiates a transfer (borrowing) against the line of credit. ## OpenAPI ````yaml openapi/managed-payments.yaml post /v1/managedPayments/credit/lines/{lineId}/transfers openapi: 3.0.2 info: version: ${version} title: Managed Payments API description: | The Managed Payments API enables Payment Service Providers (PSPs) to create and manage sub-client accounts for stablecoin settlement. servers: - url: https://api-sandbox.circle.com - url: https://api.circle.com security: [] tags: - name: Managed Payments Accounts description: Create and manage sub-client accounts for Managed Payments PSPs. - name: Managed Payments Credit description: Get credit line details and wire instructions for repayment. - name: Managed Payments Credit Transfers description: Create and manage credit transfers (drawdowns) against a credit line. paths: /v1/managedPayments/credit/lines/{lineId}/transfers: post: tags: - Managed Payments Credit Transfers summary: Borrow against line of credit description: Initiates a transfer (borrowing) against the line of credit. operationId: createManagedPaymentsCreditTransfer parameters: - $ref: '#/components/parameters/LineIdPath' requestBody: required: true content: application/json: schema: $ref: >- #/components/schemas/ManagedPaymentsCreditTransferCreationRequest example: idempotencyKey: 74383a30-aae8-41cc-af57-8c2ed3899c62 amount: amount: '1000.00' currency: USD responses: '201': description: Successfully created a credit transfer. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: title: CreateManagedPaymentsCreditTransferResponse properties: data: $ref: '#/components/schemas/ManagedPaymentsCreditTransfer' example: data: id: 2cbbce57-17b2-4133-8f63-3f2d81fc3332 amount: amount: '50.00' currency: USD status: requested createDate: '2026-03-11T14:34:16.564923Z' updateDate: '2026-03-11T14:34:16.564923Z' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/NotAuthorized' '403': $ref: '#/components/responses/Forbidden' '404': $ref: '#/components/responses/NotFound' '409': $ref: '#/components/responses/Conflict' security: - bearerAuth: [] components: parameters: LineIdPath: name: lineId description: Universally unique identifier (UUID v4) of the credit line. in: path required: true schema: type: string format: uuid example: 01c39206-64e9-4e30-8649-4e187cfcbf6d schemas: ManagedPaymentsCreditTransferCreationRequest: type: object description: >- Request body for creating a new Managed Payments credit transfer (drawdown). required: - idempotencyKey - amount properties: idempotencyKey: $ref: '#/components/schemas/IdempotencyKey' amount: allOf: - $ref: '#/components/schemas/FiatMoneyUsd' - description: >- The amount and currency for the transfer. Currency must match the credit line currency. walletId: description: >- Optional wallet ID to transfer funds to. If not specified, funds go to the master wallet. type: string format: uuid example: b3d9d2d5-4c12-4946-a09d-953e82fae2b0 ManagedPaymentsCreditTransfer: type: object description: A Managed Payments 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: 2cbbce57-17b2-4133-8f63-3f2d81fc3332 amount: allOf: - $ref: '#/components/schemas/FiatMoneyUsd' - description: The transfer amount. status: description: Current status of the transfer. type: string enum: - funds_reserved - requested - rejected - disbursed - expired - canceled - closed - paid - past_due example: disbursed outstanding: allOf: - $ref: '#/components/schemas/FiatMoneyUsd' - description: >- Remaining outstanding balance on the transfer. Present when status is `disbursed`, `paid`, or `past_due`. disbursedDate: allOf: - $ref: '#/components/schemas/UtcTimestamp' - description: >- ISO-8601 UTC date/time when the transfer was disbursed. Present when status is `disbursed`, `paid`, or `past_due`. dueDate: allOf: - $ref: '#/components/schemas/UtcTimestamp' - description: >- ISO-8601 UTC date/time when the transfer repayment is due. Present when status is `disbursed`, `paid`, or `past_due`. paidDate: allOf: - $ref: '#/components/schemas/UtcTimestamp' - description: >- ISO-8601 UTC date/time when the transfer was fully repaid. Present only when status is `paid`. createDate: allOf: - $ref: '#/components/schemas/UtcTimestamp' - description: ISO-8601 UTC date/time when the transfer was created. updateDate: allOf: - $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 UtcTimestamp: type: string description: ISO-8601 UTC date/time format. example: '2020-04-10T02:13:30.000Z' 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. Forbidden: description: >- The request provides authentication, but the authenticated user does not possess sufficient permissions for accessing this resource. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: Forbidden required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 3 message: Forbidden examples: response: value: code: 3 message: Forbidden NotFound: description: The specified resource was not found. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: NotFound required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 404 message: Not found. examples: response: value: code: 404 message: Not found. 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 ````