Pick your use case

These guides describe the pattern for each common scenario — when to use it, what it looks like, and which reference pages to read. The actual API payloads live in Receive transfers and Send transfers.

I want to…	Pattern	Best for
Receive transfers and know who paid, automatically	Payins on dedicated CLABEs	Lending, insurance, SaaS, marketplaces
Send money from my Fintoc balance	Payouts to users or suppliers	Loan disbursements, refunds, vendor payments
Give every end user their own balance	Wallet for end users	Neobanks, gig platforms, B2B marketplaces
Pay a list of 10 – 5,000 people in one go	Payroll or bulk payouts	Monthly payroll, supplier runs
Check who owns a CLABE before paying them	Verify a CLABE before payout	User-entered destinations, P2P, onboarding

A note on Chile

Some reconciliation tooling (dedicated Account Numbers per customer, options.min_amount / max_amount, CLABE verification, inbound transfer returns) is Mexico only. In Chile, inbound transfers land on the Account's single default Account Number and you reconcile by reading counterparty.holder_id and comment.

Each use-case page calls out exactly which steps apply per country.