Rewards and loyalty
Points API
Issue, redeem, schedule, and expire points while keeping every balance change tied to a traceable business transfer.
Explore the points APIUse cases and transfer patterns
Balance API use cases built from balanced transfers
Your backend owns each product decision. XferAPI executes the balanced accounting movement for issuance, spending, settlement, expiry, and reversal.
Built for app-defined value
One balance API, three common product models
Use the same ledger and transfer primitives for reward points, product usage credits, or in-app currency. Your application keeps control of the business rules.
AI and SaaS products
Usage credits API
Keep metering and pricing in your product, then record the resulting credit grants, charges, shared pools, and expiry.
Explore usage creditsGames and digital products
Virtual currency API
Run coins, gems, and other app-defined value with multi-account transfers, platform flows, history, and reversal.
Explore virtual currencyTransfer patterns
Compose each product event from balanced entries
Choose the business event first, then keep its accounting identity and retry behavior explicit.
Choose the business event
Grant, purchase, refund, settlement, or another event in your product.
Build balanced entries
Match source and destination totals independently for every asset in the movement.
Retry uncertainty exactly
Resend the same ID, scene, and payload directly; do not read first.
Replace a terminal ID
After insufficient_balance or execution-time amount_out_of_range, use a new transfer ID.
rate_limit_exceeded, quota_exceeded, and billing_suspended keep the original request retryable after backoff or remediation. transfer_already_reversed means the pair is closed, and idempotency_conflict means it is bound to another payload; use a new ID for the request you are trying to submit.
Issue app value
Platform account → userFund an account from a configured platform account entry point. Use the business grant ID as the transfer ID.
See the relevant guideSplit a spend
Buyer → seller + feeDebit one account and credit several destinations in one request while keeping each asset total balanced.
See the relevant guideSchedule or expire a grant
Time-aware destinationSet start_at, expire_at, or both on destination value. Availability changes at the Unix-second boundary.
See the relevant guideReverse an operation
Whole transferIdentify the original transfer by ID and scene. XferAPI applies inverse balance changes and marks its records as reversed.
See the relevant guideValidate a flow against the API contract
The API reference documents required fields, status values, balance views, and error responses.