> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Transfers overview

> Programmatically receive, send, and reconcile bank transfers.

<Tip>
  Cuentas de Pago con Fondos (CPF) accounts in Chile (private preview)

  Fintoc CPF accounts let you receive, reconcile, and make transfers in Chile. They are in private preview. To request access, contact your Fintoc sales representative.
</Tip>

The Transfers API lets you receive, send, and reconcile bank transfers in Chile and Mexico. This page introduces the API and the objects it uses; for the full endpoint reference, see the [Transfers API reference](https://docs.fintoc.com/reference). With one API you can:

* **Create accounts** and assign them to your orders or customers to reconcile inbound transfers against a known account.
* **Receive** bank transfers and reconcile them in real time, using a unique standardized Mexican bank account number (CLABE) or by reading the sender's details (Chile).
* **Send** transfers to any account and track their status via webhooks. Transfers move over the local interbank rails: the Sistema de Pagos Electrónicos Interbancarios (SPEI) in Mexico and Transferencia Electrónica de Fondos (TEF) in Chile.

## How it fits together

A minimal integration has four objects:

* **`Entity`**: a legal person or business. Yours is the **Root `Entity`**.
* **`Account`**: holds a balance. Your company's is the **Root `Account`**.
* **Account Number**: the string of digits you share with senders (a CLABE in Mexico). An `Account` can have many.
* **`Transfer`**: a single money movement, inbound or outbound.

## Availability by country

Transfer API capabilities vary by country:

| Capability                           | Mexico 🇲🇽 | Chile 🇨🇱      |
| :----------------------------------- | :---------- | :-------------- |
| API for inbound transfers            | ✅           | ✅               |
| API for outbound transfers           | ✅           | ✅               |
| API for accounts                     | ✅           | Private preview |
| API for account numbers              | ✅ (CLABE)   | Private preview |
| Endpoint to return a transfer        | ✅           | Private preview |
| Endpoint to verify an account number | ✅ (CLABE)   | Private preview |