Send an Outbound Transfer

Learn how to send USDC from a user-controlled wallet you’ve already created.

This guide outlines initiating a currency transfer from a previously created user-controlled wallet. If you have not yet created a user-controlled wallet, go to this guide. If you do not have any tokens in your wallet, go to the inbound transfer guide.

The following steps utilize Circle's sample applications in combination with API requests that can be done via Circle's API references or cURL requests. cURL request will be provided inline, while API references will be linked from the API endpoint code text. You can find instructions on using it in the testing via the reference pages guide.

1. Run Sample App

Once you have one of the web, iOS, or Android sample applications set up locally, you will then:

  1. Run the sample app and simulator.
  2. Obtain your App ID. This can be done by one of two options
    1. Access the developer console and navigate to the configurator within user-controlled wallets. From there, copy the App ID.
    2. Make an API request to GET /config/entity and copy the App ID from the response body.
  3. Add the App ID to the sample app.

2. Acquire a Session Token

You will start by making a request to POST /users/token using a previously created userId. The userToken is a 60-minute session token to initiate requests requiring a user challenge (PIN code entry). After 60 minutes, the session expires, and a new userToken must be generated via the same endpoint.

From this response, you will acquire the encryptionKey and userToken which you should provide in the respective sample app fields. Additionally, you will use the userToken in Step 3.

// Import and configure the user-controlled wallet SDK
const { initiateUserControlledWalletsClient } = require('@circle-fin/user-controlled-wallets');
const circleUserSdk = initiateUserControlledWalletsClient({
  apiKey: '<API_KEY>'
});

const response = await circleUserSdk.createUserToken({
  userId: '2f1dcb5e-312a-4b15-8240-abeffc0e3463'
});
curl --request POST \
     --url 'https://api.circle.com/v1/w3s/users/token' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'authorization: Bearer <API_KEY>' \
     --data '
{
  "userId": "2f1dcb5e-312a-4b15-8240-abeffc0e3463"
}
'
{
  "data": {
    "userToken": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCC9.eyJkZXZlbG9wZXJFbnRpdHlFbnZpcm9ubWVudCI6IlRFU1QiLCJlbnRpdHlJZCI6IjRlMDdhOGM5LTIxOTAtNDVlNC1hNjc0LWQyMGFkNjg4MWI3YyIsImV4cCI6MTY5MDU1MjcwNywiaWF0IjoxNjkwNTQ5MTA3LCJpbnRlcm5hbFVzZXJJZCI6ImQ2ZjkzODliLWQ5MzUtNWFlYy1iOTVhLWNjNTk1NjA2YWM5NiIsImlzcyI6Imh0dHBzOi8vcHJvZ3JhbW1hYmxlLXdhbGxldC5jaXJjbGUuY29tIiwianRpIjoiMmE0YmJlMzAtZTdkZi00YmM2LThiODMtNTk0NGUyMzE2ODlkIiwic3ViIjoiZXh0X3VzZXJfaWRfOSJ9.dhfByhxZFbJx0XWlzxneadT4RQWdnxLu3FSN9ln65hCDOfavaTL1sc4h-jUR8i4zMmfdURw3FFcQIdSbm-BUg6M7FP_fp-cs9xBbNmRZa31gMd1aKdcajJ9SvlVrfUowYfGXM3VcNF8rtTFtW-gk1-KzU4u10U35XXbbMcW1moxE0Rqx_fKotDgk2VdITuuds5d5TiQzAXECqeCOCtNoDKktMkglltbnLxOaRl2ReZjGt-ctD2V0DbYNO4T_ndPSUDI6qD7dXQRed5uDcezJYoha3Qj3tFGBglEnox2Y6DWTbllqjwmfTGrU8Pr0yz4jQz7suGwmiCzHPxcpYxMzYQ",
    "encryptionKey": "Tlcyxz7Ts9ztRLQq5+pic0MIETblYimOo2d7idV/UFM="
  }
}

3. Check the Wallet Balance and Acquire the Token ID

Before making an outbound transfer, you must gather the token's ID and ensure you are holding a token balance. To do this, make a request to GET /wallets passing in the wallets userToken to get the walletId.

const response = await circleUserSdk.listWallets({
  userToken: '<USER_TOKEN>',
  pageSize: 10
});
curl --request GET \
     --url 'https://api.circle.com/v1/w3s/wallets?pageSize=10' \
     --header 'accept: application/json' \
     --header 'authorization: Bearer <API_KEY>' \
     --header 'X-User-Token: <USER_TOKEN>'
{
  "data": {
    "wallets": [
      {
        "id": "01899cf2-d415-7052-a207-f9862157e546",
        "state": "LIVE",
        "walletSetId": "01899cf2-d407-7f89-b4d9-84d63573f138",
        "custodyType": "ENDUSER",
        "userId": "2f1dcb5e-312a-4b15-8240-abeffc0e3463",
        "address": "0x075e62c80e55d024cfd8fd4e3d1184834461db57",
        "addressIndex": 0,
        "blockchain": "MATIC-MUMBAI",
        "accountType": "SCA",
        "updateDate": "2023-07-28T14:41:47Z",
        "createDate": "2023-07-28T14:41:47Z"
      }
    ]
  }
}

Next, you will make a request to GET /wallet/{id}/balances to check the balance of tokens and acquire the tokenId you intend to transfer. The token ID will be used in the following steps.

const response = await circleUserSdk.getWalletTokenBalance({
  userToken: '<USER_TOKEN>'
});
curl --request GET \
     --url 'https://api.circle.com/v1/w3s/wallets/{id}/balances' \
     --header 'accept: application/json' \
     --header 'authorization: Bearer <API_KEY>' \
     --header 'X-User-Token: <USER_TOKEN>'
{
  "data": {
    "tokenBalances": [
      {
        "token": {
          "id": "38f2ad29-a77b-5a44-be05-8d03923878a2",
          "blockchain": "MATIC-MUMBAI",
          "tokenAddress": "0x0fa8781a83e46826621b3bc094ea2a0212e71b23",
          "standard": "ERC20",
          "name": "USD Coin (PoS)",
          "symbol": "USDC",
          "decimals": 6,
          "isNative": false,
          "updateDate": "2023-06-29T06:41:32Z",
          "createDate": "2023-06-29T06:41:32Z"
        },
        "amount": "10",
        "updateDate": "2023-10-11T20:13:33Z"
      }
    ]
  }
}

4. Estimate the Cost of Transfering the token (Optional)

Learn more

Make a request to POST transactions/transfer/estimateFee to estimate the fees for transferring the token.

const response = await circleUserSdk.estimateTransferFee({
  userToken: '<USER_TOKEN>',
  amount: ['.01'],
  destinationAddress: '0xEb9614D6d001391e22dDbbEA7571e9823A469c1f',
  tokenId: '38f2ad29-a77b-5a44-be05-8d03923878a2',
  walletId: '01899cf2-d415-7052-a207-f9862157e546'
});
curl --request POST \
     --url 'https://api.circle.com/v1/w3s/transactions/transfer/estimateFee' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'authorization: Bearer <API_KEY>' \
     --header 'X-User-Token: <USER_TOKEN>' \
     --data '
{
  "amounts": [".01"],
  "destinationAddress": "0xEb9614D6d001391e22dDbbEA7571e9823A469c1f",
  "tokenId": "38f2ad29-a77b-5a44-be05-8d03923878a2",
  "walletId": "01899cf2-d415-7052-a207-f9862157e546"
}
{
  "data": {
    "low": {
      "gasLimit": "21000",
      "baseFee": "2.456220277",
      "priorityFee": "1.022783914",
      "maxFee": "5.935224468"
    },
    "medium": {
      "gasLimit": "21000",
      "baseFee": "2.456220277",
      "priorityFee": "2.655282857",
      "maxFee": "7.567723411"
    },
    "high": {
      "gasLimit": "21000",
      "baseFee": "2.456220277",
      "priorityFee": "15.986229693",
      "maxFee": "20.898670247"
    }
  }
}

5. Initiate a Blockchain Transfer

Make a request to POST /user/transactions/transfer to initiate a blockchain transfer from a specifiedwalletId to a blockchain addressdestinationAddress. This call returns a challengeId, used within the sample app, where the user will enter their PIN code to authorize the transfer.

📘

If you do not have a wallet to use as a destination for the transfer, you can create another User-Controlled Wallet by stepping through create your first wallet or send funds to any other blockchain wallet such as Metamask.

const response = await circleUserSdk.createTransaction({
  userToken: '<USER_TOKEN>',
  amounts: ['.01'],
  destinationAddress: '0x6E5eAf34c73D1CD0be4e24f923b97CF38e10d1f3',
  tokenId: '38f2ad29-a77b-5a44-be05-8d03923878a2',
  walletId: '01899cf2-d415-7052-a207-f9862157e546',
  fee: {
    type: 'level',
    config: {
      feeLevel: 'MEDIUM'
    }
  }
});
curl --request POST \
     --url 'https://api.circle.com/v1/w3s/user/transactions/transfer' \
     --header 'Content-Type: application/json' \
     --header 'authorization: Bearer <API_KEY>' \
     --header 'X-User-Token: <USER_TOKEN>' \
     --data '
{
  "userId": "2f1dcb5e-312a-4b15-8240-abeffc0e3463",
  "idempotencyKey": "607a0972-17f9-4d56-8ca3-a0e94adc3210",
  "amounts": [".01"],
  "destinationAddress": "0x6E5eAf34c73D1CD0be4e24f923b97CF38e10d1f3",
  "tokenId": "38f2ad29-a77b-5a44-be05-8d03923878a2",
  "walletId": "01899cf2-d415-7052-a207-f9862157e546",
  "feeLevel": "MEDIUM"
}'
{
  "data": {
    "challengeId": "0d1b5f41-1381-50af-983b-f54691415158"
  }
}

6. Authorize transfer from the sample app

Using the sample application, enter the userToken and secretKey returned from Step 2. Also, enter the challengeId returned from Step 5. 

At this point, you should be ready to execute your first transfer through the sample app. Click Execute in the sample app to continue. 

The sample application takes you through the authentication process, which includes the user entering their PIN code to authorize the transfer. 

7. Check the Transfer Status

As the transfer state changes and ultimately completes, Circle sends notifications to a subscribed endpoint. You can find a list of all possible states in the Asynchronous States and Statuses guide. The Webhook notification will be similar to the one below.

{
  "subscriptionId": "d4c07d5f-f05f-4fe4-853d-4dd434806dfb",
  "notificationId": "acab8c14-92ae-481a-8335-6eb5271da014",
  "notificationType": "transactions.outbound",
  "notification": {
    "id": "ad3f40ae-9c0e-52cf-816f-91838850572a",
    "blockchain": "MATIC-MUMBAI",
    "tokenId": "38f2ad29-a77b-5a44-be05-8d03923878a2",
    "walletId": "01899cf2-d415-7052-a207-f9862157e546",
    "sourceAddress": "0x7b777eb80e82f73f118378b15509cb48cd2c2ac3",
    "destinationAddress": "0x6e5eaf34c73d1cd0be4e24f923b97cf38e10d1f3",
    "transactionType": "OUTBOUND",
    "custodyType": "ENDUSER",
    "state": "COMPLETE",
    "amounts": [
      "0.01"
    ],
    "nfts": null,
    "txHash": "0x535ff240984f54e755d67cdc9c79c88768fe5997955f09f3a66b4d1126810900",
    "blockHash": "0xa4c5c79500240f3ae3f4e5c5f641198b7c698d83b7539ac4e8cf2d3f5f49bdfd",
    "blockHeight": 41100000,
    "networkFee": "0.07037500047405219",
    "firstConfirmDate": "2023-10-11T21:08:28Z",
    "operation": "TRANSFER",
    "userId": "c266945c-f440-4537-85cf-a16b6e33b0cc",
    "abiParameters": null,
    "createDate": "2023-10-11T21:08:13Z",
    "updateDate": "2023-10-11T21:08:37Z"
  },
  "timestamp": "2023-10-11T21:08:13Z",
  "version": 2
}

Alternatively, you can poll GET /transactions using the userId or userToken associated with your user. 

const response = await circleUserSdk.listTransactions({
  userToken: '<USER_TOKEN>'
});
curl --request GET \
     --url 'https://api.circle.com/v1/w3s/transactions' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'authorization: Bearer <API_KEY>' \
     --header 'X-User-Token: <USER_TOKEN>'
{
  "data": {
    "transactions": [
      {
        "id": "ad3f40ae-9c0e-52cf-816f-91838850572a",
        "blockchain": "MATIC-MUMBAI",
        "tokenId": "38f2ad29-a77b-5a44-be05-8d03923878a2",
        "walletId": "01899cf2-d415-7052-a207-f9862157e546",
        "sourceAddress": "0x7b777eb80e82f73f118378b15509cb48cd2c2ac3",
        "destinationAddress": "0x6e5eaf34c73d1cd0be4e24f923b97cf38e10d1f3",
        "transactionType": "OUTBOUND",
        "custodyType": "ENDUSER",
        "state": "COMPLETE",
        "amounts": [
          "0.01"
        ],
        "nfts": null,
        "txHash": "0x535ff240984f54e755d67cdc9c79c88768fe5997955f09f3a66b4d1126810900",
        "blockHash": "0xa4c5c79500240f3ae3f4e5c5f641198b7c698d83b7539ac4e8cf2d3f5f49bdfd",
        "blockHeight": 41100000,
        "networkFee": "0.07037500047405219",
        "firstConfirmDate": "2023-10-11T21:08:28Z",
        "operation": "TRANSFER",
        "userId": "c266945c-f440-4537-85cf-a16b6e33b0cc",
        "abiParameters": null,
        "createDate": "2023-10-11T21:08:13Z",
        "updateDate": "2023-10-11T21:08:37Z"
      },
      {
        "id": "81cf790a-ed95-5d41-b7bd-c4e15390eef6",
        "blockchain": "MATIC-MUMBAI",
        "tokenId": "38f2ad29-a77b-5a44-be05-8d03923878a2",
        "walletId": "01899cf2-d415-7052-a207-f9862157e546",
        "sourceAddress": "0x48520ff9b32d8b5bf87abf789ea7b3c394c95ebe",
        "destinationAddress": "0x7b777eb80e82f73f118378b15509cb48cd2c2ac3",
        "transactionType": "INBOUND",
        "custodyType": "ENDUSER",
        "state": "COMPLETE",
        "amounts": [
          "10"
        ],
        "nfts": null,
        "txHash": "0x5121f9efec29d4d661ffb0b777727d1f5ba7b5bc286ac4891c82f7b1b80a9485",
        "blockHash": "0xba7984dbe7423827b5fd175a636552ae85401c3f2a0c5cdda934a37d6652ac49",
        "blockHeight": 41098635,
        "networkFee": "0.001911870000955935",
        "firstConfirmDate": "2023-10-11T20:13:33Z",
        "operation": "TRANSFER",
        "userId": "c266945c-f440-4537-85cf-a16b6e33b0cc",
        "abiParameters": null,
        "createDate": "2023-10-11T20:13:33Z",
        "updateDate": "2023-10-11T20:13:45Z"
      }
    ]
  }
}

What’s Next

Congratulations! You’ve received your first transaction to your user-controlled wallet. To learn how wallet recovery works, go to