> ## 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) in Chile (private preview)

  Fintoc CPF accounts let you receive, reconcile, and make transfers in Chile. CPF accounts 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 its objects. For the full endpoint reference, see the [Transfers API reference](/api/transfers-api/transfers/transfer-object). With the Transfers 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 using a unique standardized Mexican bank account number (CLABE) or the sender's details in Chile.
* **Send** transfers to any account and track each transfer's 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. Your business is the **Root `Entity`**.
* **`Account`**: holds a balance. Your company's account is the **Root `Account`**.
* **Account Number**: the string of digits you share with senders. In Mexico, an Account Number is a CLABE. Each `Account` can have more than one Account Number.
* **`Transfer`**: a single money movement, inbound or outbound.

## Availability by country

Transfers API capabilities vary by country:

| Capability                  | Mexico 🇲🇽 | Chile 🇨🇱      |
| :-------------------------- | :---------- | :-------------- |
| Inbound transfers           | ✅           | ✅               |
| Outbound transfers          | ✅           | ✅               |
| Accounts                    | ✅           | Private preview |
| Account Numbers             | ✅ (CLABE)   | Private preview |
| Transfer returns            | ✅           | Private preview |
| Account Number verification | ✅ (CLABE)   | Private preview |