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Recipe 2: P2P Wallet-to-Wallet Transfer

Required​

Complete Recipe 0: Account preflight + encryption first.

Session Token Context​

For p2p, mint session_token from the source PW wallet and encrypt it. The session_token_enc must match the debit_party PW user.

Flow​

  1. Execute transaction directly with transaction_type: "p2p"
  2. Poll status with transaction_id_enc

Note​

p2p does not require POST /institution/quote.

Quote is only required for inttransfer flows (see Recipe 3).

POST /institution/transaction body​

{
  "session_token_enc": "<encrypted_base64>",
  "transaction_id": "TXN-P2P-20260213-0001",
  "transaction_date": "2026-02-13T18:25:00.000Z",
  "amount": "25.00",
  "sender_currency": "USD",
  "sender_amount": "25.00",
  "description": "P2P wallet transfer",
  "transaction_type": "p2p",
  "fees": [
    { "fee_type": "service_fee", "fee_amount": "0.00", "fee_currency": "USD" }
  ],
  "debit_party": [
    { "key": "msisdn", "value": "15550001011" }
  ],
  "credit_party": [
    { "key": "msisdn", "value": "15550001012" }
  ],
  "sender_kyc": {
    "full_name": "Casey Example",
    "country": "US"
  },
  "recipient_kyc": {
    "full_name": "Jordan Example",
    "country": "US"
  }
}

GET /institution/transaction request params​

{
  "version": "2024-10-01",
  "institution_name": "DemoBank",
  "transaction_id_enc": "<encrypted_base64>"
}