Create an SCA challenge
curl --request POST \
--url https://api-sandbox.circle.com/v1/accounts/passkeys/challenges \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"clientEntityId": "entity_01234567890abcdef",
"operation": "TRANSFER",
"intent": {
"idempotencyKey": "550e8400-e29b-41d4-a716-446655440000",
"source": {
"type": "account",
"id": "1017381855"
},
"destination": {
"type": "verified_blockchain",
"addressId": "c7d8e9f0-a1b2-3456-7890-abcdef123456"
},
"amount": {
"amount": "50.00",
"currency": "USD"
},
"riskSignals": {
"ipAddress": "203.0.113.42",
"sessionId": "sess_abcdefghij",
"deviceId": "dev_klmnopqrst"
}
},
"ceremonyKind": "webauthn",
"pathParameters": {
"id": "a1b2c3d4-e5f6-7890-ab12-cdef34567890"
}
}
'import requests
url = "https://api-sandbox.circle.com/v1/accounts/passkeys/challenges"
payload = {
"clientEntityId": "entity_01234567890abcdef",
"operation": "TRANSFER",
"intent": {
"idempotencyKey": "550e8400-e29b-41d4-a716-446655440000",
"source": {
"type": "account",
"id": "1017381855"
},
"destination": {
"type": "verified_blockchain",
"addressId": "c7d8e9f0-a1b2-3456-7890-abcdef123456"
},
"amount": {
"amount": "50.00",
"currency": "USD"
},
"riskSignals": {
"ipAddress": "203.0.113.42",
"sessionId": "sess_abcdefghij",
"deviceId": "dev_klmnopqrst"
}
},
"ceremonyKind": "webauthn",
"pathParameters": { "id": "a1b2c3d4-e5f6-7890-ab12-cdef34567890" }
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
clientEntityId: 'entity_01234567890abcdef',
operation: 'TRANSFER',
intent: {
idempotencyKey: '550e8400-e29b-41d4-a716-446655440000',
source: {type: 'account', id: '1017381855'},
destination: {type: 'verified_blockchain', addressId: 'c7d8e9f0-a1b2-3456-7890-abcdef123456'},
amount: {amount: '50.00', currency: 'USD'},
riskSignals: {
ipAddress: '203.0.113.42',
sessionId: 'sess_abcdefghij',
deviceId: 'dev_klmnopqrst'
}
},
ceremonyKind: 'webauthn',
pathParameters: {id: 'a1b2c3d4-e5f6-7890-ab12-cdef34567890'}
})
};
fetch('https://api-sandbox.circle.com/v1/accounts/passkeys/challenges', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api-sandbox.circle.com/v1/accounts/passkeys/challenges",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'clientEntityId' => 'entity_01234567890abcdef',
'operation' => 'TRANSFER',
'intent' => [
'idempotencyKey' => '550e8400-e29b-41d4-a716-446655440000',
'source' => [
'type' => 'account',
'id' => '1017381855'
],
'destination' => [
'type' => 'verified_blockchain',
'addressId' => 'c7d8e9f0-a1b2-3456-7890-abcdef123456'
],
'amount' => [
'amount' => '50.00',
'currency' => 'USD'
],
'riskSignals' => [
'ipAddress' => '203.0.113.42',
'sessionId' => 'sess_abcdefghij',
'deviceId' => 'dev_klmnopqrst'
]
],
'ceremonyKind' => 'webauthn',
'pathParameters' => [
'id' => 'a1b2c3d4-e5f6-7890-ab12-cdef34567890'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api-sandbox.circle.com/v1/accounts/passkeys/challenges"
payload := strings.NewReader("{\n \"clientEntityId\": \"entity_01234567890abcdef\",\n \"operation\": \"TRANSFER\",\n \"intent\": {\n \"idempotencyKey\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"source\": {\n \"type\": \"account\",\n \"id\": \"1017381855\"\n },\n \"destination\": {\n \"type\": \"verified_blockchain\",\n \"addressId\": \"c7d8e9f0-a1b2-3456-7890-abcdef123456\"\n },\n \"amount\": {\n \"amount\": \"50.00\",\n \"currency\": \"USD\"\n },\n \"riskSignals\": {\n \"ipAddress\": \"203.0.113.42\",\n \"sessionId\": \"sess_abcdefghij\",\n \"deviceId\": \"dev_klmnopqrst\"\n }\n },\n \"ceremonyKind\": \"webauthn\",\n \"pathParameters\": {\n \"id\": \"a1b2c3d4-e5f6-7890-ab12-cdef34567890\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/accounts/passkeys/challenges")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"clientEntityId\": \"entity_01234567890abcdef\",\n \"operation\": \"TRANSFER\",\n \"intent\": {\n \"idempotencyKey\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"source\": {\n \"type\": \"account\",\n \"id\": \"1017381855\"\n },\n \"destination\": {\n \"type\": \"verified_blockchain\",\n \"addressId\": \"c7d8e9f0-a1b2-3456-7890-abcdef123456\"\n },\n \"amount\": {\n \"amount\": \"50.00\",\n \"currency\": \"USD\"\n },\n \"riskSignals\": {\n \"ipAddress\": \"203.0.113.42\",\n \"sessionId\": \"sess_abcdefghij\",\n \"deviceId\": \"dev_klmnopqrst\"\n }\n },\n \"ceremonyKind\": \"webauthn\",\n \"pathParameters\": {\n \"id\": \"a1b2c3d4-e5f6-7890-ab12-cdef34567890\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api-sandbox.circle.com/v1/accounts/passkeys/challenges")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"clientEntityId\": \"entity_01234567890abcdef\",\n \"operation\": \"TRANSFER\",\n \"intent\": {\n \"idempotencyKey\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"source\": {\n \"type\": \"account\",\n \"id\": \"1017381855\"\n },\n \"destination\": {\n \"type\": \"verified_blockchain\",\n \"addressId\": \"c7d8e9f0-a1b2-3456-7890-abcdef123456\"\n },\n \"amount\": {\n \"amount\": \"50.00\",\n \"currency\": \"USD\"\n },\n \"riskSignals\": {\n \"ipAddress\": \"203.0.113.42\",\n \"sessionId\": \"sess_abcdefghij\",\n \"deviceId\": \"dev_klmnopqrst\"\n }\n },\n \"ceremonyKind\": \"webauthn\",\n \"pathParameters\": {\n \"id\": \"a1b2c3d4-e5f6-7890-ab12-cdef34567890\"\n }\n}"
response = http.request(request)
puts response.read_body{
"data": {
"challengeId": "b2c3d4e5-f6a7-8901-bc23-def456789012",
"frameToken": "k74ia-AcnTzXtBdxnbVqn1IBpVUXBbhGiGxQkGD386A",
"expiresAt": "2026-09-24T12:05:00Z",
"summary": {
"type": "transfer",
"amount": {
"amount": "50.00",
"currency": "USD"
},
"destination": "1001587127",
"sourceAccountLabel": "My DAA account"
}
}
}{
"code": 2,
"message": "API parameter invalid."
}{
"code": 4,
"message": "Unauthorized."
}{
"code": 2,
"message": "API parameter invalid.",
"externalMessage": "The provided amount exceeds the maximum allowed.",
"errors": [
{
"error": "invalid_value",
"message": "The operation and assetType combination is invalid.",
"location": "assetType"
}
]
}{
"code": -1,
"message": "Something went wrong. errId: 1f0b0c455e40f753f07b4f0ae6abd4b4"
}Create an SCA challenge
Creates a short-lived, single-use challenge (5-minute TTL) that captures the intent of a protected operation. Pass the returned frameToken to the DAA web SDK’s sca.approve method to produce a signed assertion. The intent must exactly match the request body you will send to the protected endpoint — same fields, same values.
POST
/
v1
/
accounts
/
passkeys
/
challenges
Create an SCA challenge
curl --request POST \
--url https://api-sandbox.circle.com/v1/accounts/passkeys/challenges \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"clientEntityId": "entity_01234567890abcdef",
"operation": "TRANSFER",
"intent": {
"idempotencyKey": "550e8400-e29b-41d4-a716-446655440000",
"source": {
"type": "account",
"id": "1017381855"
},
"destination": {
"type": "verified_blockchain",
"addressId": "c7d8e9f0-a1b2-3456-7890-abcdef123456"
},
"amount": {
"amount": "50.00",
"currency": "USD"
},
"riskSignals": {
"ipAddress": "203.0.113.42",
"sessionId": "sess_abcdefghij",
"deviceId": "dev_klmnopqrst"
}
},
"ceremonyKind": "webauthn",
"pathParameters": {
"id": "a1b2c3d4-e5f6-7890-ab12-cdef34567890"
}
}
'import requests
url = "https://api-sandbox.circle.com/v1/accounts/passkeys/challenges"
payload = {
"clientEntityId": "entity_01234567890abcdef",
"operation": "TRANSFER",
"intent": {
"idempotencyKey": "550e8400-e29b-41d4-a716-446655440000",
"source": {
"type": "account",
"id": "1017381855"
},
"destination": {
"type": "verified_blockchain",
"addressId": "c7d8e9f0-a1b2-3456-7890-abcdef123456"
},
"amount": {
"amount": "50.00",
"currency": "USD"
},
"riskSignals": {
"ipAddress": "203.0.113.42",
"sessionId": "sess_abcdefghij",
"deviceId": "dev_klmnopqrst"
}
},
"ceremonyKind": "webauthn",
"pathParameters": { "id": "a1b2c3d4-e5f6-7890-ab12-cdef34567890" }
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
clientEntityId: 'entity_01234567890abcdef',
operation: 'TRANSFER',
intent: {
idempotencyKey: '550e8400-e29b-41d4-a716-446655440000',
source: {type: 'account', id: '1017381855'},
destination: {type: 'verified_blockchain', addressId: 'c7d8e9f0-a1b2-3456-7890-abcdef123456'},
amount: {amount: '50.00', currency: 'USD'},
riskSignals: {
ipAddress: '203.0.113.42',
sessionId: 'sess_abcdefghij',
deviceId: 'dev_klmnopqrst'
}
},
ceremonyKind: 'webauthn',
pathParameters: {id: 'a1b2c3d4-e5f6-7890-ab12-cdef34567890'}
})
};
fetch('https://api-sandbox.circle.com/v1/accounts/passkeys/challenges', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api-sandbox.circle.com/v1/accounts/passkeys/challenges",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'clientEntityId' => 'entity_01234567890abcdef',
'operation' => 'TRANSFER',
'intent' => [
'idempotencyKey' => '550e8400-e29b-41d4-a716-446655440000',
'source' => [
'type' => 'account',
'id' => '1017381855'
],
'destination' => [
'type' => 'verified_blockchain',
'addressId' => 'c7d8e9f0-a1b2-3456-7890-abcdef123456'
],
'amount' => [
'amount' => '50.00',
'currency' => 'USD'
],
'riskSignals' => [
'ipAddress' => '203.0.113.42',
'sessionId' => 'sess_abcdefghij',
'deviceId' => 'dev_klmnopqrst'
]
],
'ceremonyKind' => 'webauthn',
'pathParameters' => [
'id' => 'a1b2c3d4-e5f6-7890-ab12-cdef34567890'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api-sandbox.circle.com/v1/accounts/passkeys/challenges"
payload := strings.NewReader("{\n \"clientEntityId\": \"entity_01234567890abcdef\",\n \"operation\": \"TRANSFER\",\n \"intent\": {\n \"idempotencyKey\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"source\": {\n \"type\": \"account\",\n \"id\": \"1017381855\"\n },\n \"destination\": {\n \"type\": \"verified_blockchain\",\n \"addressId\": \"c7d8e9f0-a1b2-3456-7890-abcdef123456\"\n },\n \"amount\": {\n \"amount\": \"50.00\",\n \"currency\": \"USD\"\n },\n \"riskSignals\": {\n \"ipAddress\": \"203.0.113.42\",\n \"sessionId\": \"sess_abcdefghij\",\n \"deviceId\": \"dev_klmnopqrst\"\n }\n },\n \"ceremonyKind\": \"webauthn\",\n \"pathParameters\": {\n \"id\": \"a1b2c3d4-e5f6-7890-ab12-cdef34567890\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/accounts/passkeys/challenges")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"clientEntityId\": \"entity_01234567890abcdef\",\n \"operation\": \"TRANSFER\",\n \"intent\": {\n \"idempotencyKey\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"source\": {\n \"type\": \"account\",\n \"id\": \"1017381855\"\n },\n \"destination\": {\n \"type\": \"verified_blockchain\",\n \"addressId\": \"c7d8e9f0-a1b2-3456-7890-abcdef123456\"\n },\n \"amount\": {\n \"amount\": \"50.00\",\n \"currency\": \"USD\"\n },\n \"riskSignals\": {\n \"ipAddress\": \"203.0.113.42\",\n \"sessionId\": \"sess_abcdefghij\",\n \"deviceId\": \"dev_klmnopqrst\"\n }\n },\n \"ceremonyKind\": \"webauthn\",\n \"pathParameters\": {\n \"id\": \"a1b2c3d4-e5f6-7890-ab12-cdef34567890\"\n }\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api-sandbox.circle.com/v1/accounts/passkeys/challenges")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"clientEntityId\": \"entity_01234567890abcdef\",\n \"operation\": \"TRANSFER\",\n \"intent\": {\n \"idempotencyKey\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"source\": {\n \"type\": \"account\",\n \"id\": \"1017381855\"\n },\n \"destination\": {\n \"type\": \"verified_blockchain\",\n \"addressId\": \"c7d8e9f0-a1b2-3456-7890-abcdef123456\"\n },\n \"amount\": {\n \"amount\": \"50.00\",\n \"currency\": \"USD\"\n },\n \"riskSignals\": {\n \"ipAddress\": \"203.0.113.42\",\n \"sessionId\": \"sess_abcdefghij\",\n \"deviceId\": \"dev_klmnopqrst\"\n }\n },\n \"ceremonyKind\": \"webauthn\",\n \"pathParameters\": {\n \"id\": \"a1b2c3d4-e5f6-7890-ab12-cdef34567890\"\n }\n}"
response = http.request(request)
puts response.read_body{
"data": {
"challengeId": "b2c3d4e5-f6a7-8901-bc23-def456789012",
"frameToken": "k74ia-AcnTzXtBdxnbVqn1IBpVUXBbhGiGxQkGD386A",
"expiresAt": "2026-09-24T12:05:00Z",
"summary": {
"type": "transfer",
"amount": {
"amount": "50.00",
"currency": "USD"
},
"destination": "1001587127",
"sourceAccountLabel": "My DAA account"
}
}
}{
"code": 2,
"message": "API parameter invalid."
}{
"code": 4,
"message": "Unauthorized."
}{
"code": 2,
"message": "API parameter invalid.",
"externalMessage": "The provided amount exceeds the maximum allowed.",
"errors": [
{
"error": "invalid_value",
"message": "The operation and assetType combination is invalid.",
"location": "assetType"
}
]
}{
"code": -1,
"message": "Something went wrong. errId: 1f0b0c455e40f753f07b4f0ae6abd4b4"
}Authorizations
Bearer authentication header of the form Bearer <token>, where <token> is your auth token.
Body
application/json
The end-user identifier initiating the operation.
Example:
"entity_01234567890abcdef"
The operation type this challenge authorizes.
Available options:
TRANSFER, WITHDRAWAL, ADDRESS_BOOK_ADD, ADDRESS_BOOK_DELETE, WIRE_ACCOUNT_CREATE Example:
"TRANSFER"
The exact request body you will send to the protected endpoint. Every field and value must match — an extra or missing field causes an intent mismatch error (420047).
Example:
{
"idempotencyKey": "550e8400-e29b-41d4-a716-446655440000",
"source": { "type": "account", "id": "1017381855" },
"destination": {
"type": "verified_blockchain",
"addressId": "c7d8e9f0-a1b2-3456-7890-abcdef123456"
},
"amount": { "amount": "50.00", "currency": "USD" },
"riskSignals": {
"ipAddress": "203.0.113.42",
"sessionId": "sess_abcdefghij",
"deviceId": "dev_klmnopqrst"
}
}
The ceremony type to use. Defaults to "webauthn". Any other value, including "spc", is rejected — a typo cannot silently downgrade a ceremony to a weaker mechanism.
Example:
"webauthn"
Path parameters for the protected endpoint, if any. Required for ADDRESS_BOOK_DELETE (provide id). Omit for all other operations.
Example:
{
"id": "a1b2c3d4-e5f6-7890-ab12-cdef34567890"
}
Response
Successfully created an SCA challenge.
Show child attributes
Show child attributes
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