> ## 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.

# Send your first transfer

> Send your first test transfer, from API keys to a webhook subscription.

By the end, you will have signed your requests with a JSON Web Signature (JWS), funded a test `Account`, and sent your first `Transfer`.

## Step 1: Get your test API keys

In the [Dashboard](https://dashboard.fintoc.com/), go to **Developers → API Keys**. You'll see keys for `test` (`sk_test_...`) and `live` (`sk_live_...`) modes. Copy the `test` secret key.

## Step 2: Register JWS keys

Money-moving endpoints require signed requests. These endpoints create transfers, return transfers, or verify a standardized Mexican bank account number. Follow [Generate JWS keys](/guides/transfers/transfers-setup/setting-up-jws-keys) to create a key pair and upload the public key. Return to this page when you're done.

## Step 3: List your accounts

Every organization starts with a root `Account`. Fetch it with a `GET` request to `/v2/accounts`:

```bash cURL theme={null}
curl --request GET \
     --url https://api.fintoc.com/v2/accounts \
     --header 'Authorization: YOUR_TEST_SECRET_KEY' \
     --header 'accept: application/json' \
     --header 'content-type: application/json'
```

The response looks like this:

```json JSON theme={null}
[
  {
    "id": "acc_23JlasHas241",
    "object": "account",
    "mode": "test",
    "description": "My root account",
    "root_account_number": "000000000000000000",
    "root_account_number_id": "acno_Kasf91034gj1AD",
    "available_balance": 0,
    "currency": "mxn",
    "entity": {
      "id": "ent_4324qwkalsds",
      "holder_name": "Test Entity 1",
      "holder_id": "ND"
    }
  }
]
```

### Use an SDK

If you're using Node or Python, install the [Node SDK](https://github.com/fintoc-com/fintoc-node) or [Python SDK](https://github.com/fintoc-com/fintoc-python) to call the API. The SDK signs each request with [JWS](/guides/transfers/transfers-setup/setting-up-jws-keys) and handles pagination.

Install an SDK:

<CodeGroup>
  ```shell Install Node SDK theme={null}
  npm install fintoc
  ```

  ```shell Install Python SDK theme={null}
  pip install fintoc
  ```
</CodeGroup>

List your accounts:

<CodeGroup>
  ```node Node theme={null}
  const { Fintoc } = require('fintoc');

  // You can provide a path to your PEM file or pass the PEM key directly as a string.
  // const privateKey = process.env.JWS_PRIVATE_KEY;
  const privateKey = './private_key.pem';

  const fintoc = new Fintoc('YOUR_TEST_SECRET_KEY', privateKey);

  const accounts = await fintoc.v2.accounts.list();
  for await (const account of accounts) {
    console.log(account.id, account.description, account.root_account_number, account.available_balance);
  }
  ```

  ```python Python theme={null}
  from fintoc import Fintoc

  # You can provide a path to your PEM file or pass the PEM key directly as a string.
  # jws_private_key = os.environ.get('JWS_PRIVATE_KEY')
  jws_private_key = "./private_key.pem"

  client = Fintoc("YOUR_TEST_SECRET_KEY", jws_private_key=jws_private_key)

  for account in client.v2.accounts.list():
      print(account.id, account.description, account.root_account_number, account.available_balance)
  ```
</CodeGroup>

Keep the `id` (`acc_...`) and `root_account_number_id` (`acno_...`) from the response. Use `root_account_number_id` to fund the test `Account`. Use `id` to create the outbound `Transfer`.

## Step 4: Fund your test account

Your test Account starts empty. Simulate an inbound transfer so you have money to send:

```bash cURL theme={null}
curl --request POST \
     --url https://api.fintoc.com/v2/simulate/receive_transfer \
     --header 'Authorization: YOUR_TEST_SECRET_KEY' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "account_number_id": "acno_Kasf91034gj1AD",
  "amount": 59013,
  "currency": "mxn"
}
'
```

The response is the simulated inbound `Transfer` that funds your `Account`:

```json JSON theme={null}
{
  "id": "tr_7HbN2kPq9wZ4xR1s",
  "object": "transfer",
  "amount": 59013,
  "currency": "mxn",
  "status": "succeeded",
  "direction": "inbound",
  "account_number_id": "acno_Kasf91034gj1AD",
  "comment": "Simulated inbound transfer"
}
```

<Warning>
  **Currencies are represented as integers**

  The Fintoc API represents money in the smallest currency unit as an integer with no decimals. An amount of $590.13 MXN is `59013`. CLP has no minor unit, so an amount of $59,013 CLP is also `59013`.

  See [Currencies](/guides/home/currencies).
</Warning>

See [Test your integration](/guides/transfers/transfers-setup/test-your-integration) for simulations of failures, returns, and rejected payouts.

## Step 5: Send your first transfer

Create an outbound `Transfer` from the test `Account` you funded.

```bash cURL theme={null}
curl --request POST \
     --url https://api.fintoc.com/v2/transfers \
     --header 'Authorization: YOUR_TEST_SECRET_KEY' \
     --header 'Fintoc-JWS-Signature: YOUR_JWS_SIGNATURE' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "amount": 59013,
  "currency": "mxn",
  "account_id": "acc_23JlasHas241",
  "comment": "Pago de credito 10451",
  "reference_id": "150195",
  "counterparty": {
    "account_number": "000000000000000000"
  }
}'
```

The response is the outbound `Transfer` you created:

```json JSON theme={null}
{
  "id": "tr_5pQ8rXcViBnM3kL2",
  "object": "transfer",
  "amount": 59013,
  "currency": "mxn",
  "status": "succeeded",
  "direction": "outbound",
  "comment": "Pago de credito 10451",
  "reference_id": "150195",
  "counterparty": {
    "account_number": "000000000000000000"
  }
}
```

## Step 6: Create a webhook endpoint

Webhooks notify your server when a transfer settles, so you don't need to poll for status. Go to **Developers → Webhooks** in the Dashboard. Add your URL, then subscribe to `transfer.inbound.succeeded` and `transfer.outbound.succeeded`.

## Test the integration

Confirm the full flow worked end to end:

1. After Step 4, list your accounts again and confirm `available_balance` increased by `59013`.
2. Confirm the Step 5 transfer returns `"status": "succeeded"`.
3. After Step 6, repeat Steps 4 and 5. Confirm your endpoint receives a `transfer.outbound.succeeded` webhook for the new outbound transfer.