Deposits and quotes - Capital AI

Deposit from a linked bank

POST /api/v1/deposits · scope trade Pulls money by ACH from one of your linked banks into your account. The account must have finished onboarding; otherwise the request is refused with 403.

Field	Type	Description
`linkedAccountId`	string	From `GET /api/v1/linked-accounts`.
`amountUsd`	number	Amount in USD, rounded to the cent. At least `0.01`.
`idempotencyKey`	string	Your unique ID for this deposit. A retry with the same key refers to the same deposit and doesn’t start a second one.

201:

{ "transactionId": "…", "status": "in_progress" }

status is in_progress until the ACH settles. Follow it in GET /api/v1/transactions.

curl -X POST "$CAPITALAI_API_URL/api/v1/deposits" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"linkedAccountId": "lba_123", "amountUsd": 250, "idempotencyKey": "rent-2026-10"}'

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/deposits`, {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({"linkedAccountId": "lba_123", "amountUsd": 250, "idempotencyKey": "rent-2026-10"}),
});
console.log(await res.json());

Quote a transfer

POST /api/v1/transfers/quote · scope trade The fee and arrival time for a transfer, without sending it. Sending is done in the app.

Field	Type	Description
`rail`	`ach` \| `blockchain`	How it would move. `wire` and `internal` are refused with `400` for now.
`asset`	`USD` \| `USDC`	`USD` for `ach`, `USDC` for `blockchain`.
`amountUsd`	number	Amount in USD, rounded to the cent. At least `0.01`.
`toContactAccountId`	string \| null	`ach`: one of your linked banks. `blockchain`: a contact’s saved wallet.
`toWallet`	object \| null	`blockchain` only, instead of a saved wallet: `{ "address", "network" }`. `network` is `Solana`, `Ethereum`, `Base`, `Ink` or `Sui`.

{ "feeUsd": 0, "estimatedArrival": "…" }

curl -X POST "$CAPITALAI_API_URL/api/v1/transfers/quote" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"rail": "ach", "asset": "USD", "amountUsd": 500, "toContactAccountId": "lba_123"}'

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/v1/transfers/quote`, {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({"rail": "ach", "asset": "USD", "amountUsd": 500, "toContactAccountId": "lba_123"}),
});
console.log(await res.json());