Moov

Moov provides the plumbing for platforms that need to move money: create accounts (with KYC/KYB), link payment methods, initiate transfers (ACH, RTP, card), and build marketplace money flows. For agents automating fintech workflows: create a Moov account for a new entity, link their bank account, initiate a payout — all via API. Moov acts as the money transmitter; platforms don't need their own MTL. ACH supports same-day and next-day. Sandbox environment for testing. Confidence is docs-derived.

REST API at api.moov.io/v1. Resources: accounts, payment-methods, transfers, bank-accounts, cards, wallets. POST /accounts creates an account (individual or business; KYC fields). POST /accounts/{id}/bank-accounts links a bank account. POST /transfers initiates a transfer ({source: {accountID, paymentMethodID}, destination: {accountID, paymentMethodID}, amount: {currency, value}}). GET /transfers/{id} checks transfer status. GET /accounts/{id}/payment-methods lists payment methods. Webhook events for transfer status changes.

OAuth2 client credentials: POST /oauth2/token with client_id + client_secret + scope. Scopes granular (accounts.write, transfers.write, etc.). Bearer token in Authorization header. Client credentials from Moov Dashboard → Settings → API Keys. Token expiry: 60 minutes; auto-refresh required. HTTPS enforced. Sandbox environment with separate credentials. Webhook signature verification for event callbacks.

Standard HTTP status codes with detailed JSON error objects. 401 for expired/invalid token, 403 for missing scope, 422 for validation failures. Transfer status lifecycle: created → pending → completed/failed/reversed. Failed ACH returns: R01–R29 return codes mapped to human-readable error descriptions. Rate limiting: per-credential limits. Moov service uptime at status.moov.io.

docs.moov.io provides REST API reference, guide series (account creation, ACH transfers, card payments, payouts), sandbox walkthroughs. Documentation quality is high — Moov is developer-first. Getting started: create account, request sandbox access, generate credentials, first transfer in sandbox in under 30 minutes. Official Go SDK (go-moov), Python SDK (moov-python). Developer support via Moov Slack community.