Stablecoin sends

Send stablecoins from a customer-owned account (pcus_* → account_id) with preview → confirm → poll.

Prerequisites

Customers quickstart — vault approved / active
Accounts — banking products.deposit_account.status=ready, resolve account_id
Deposit instructions — fund the rail if you need inbound balance

Sandbox: self-serve deposits may not credit usable balance for outbound sends. Contact Element Pay for a sandbox credit if you need to exercise preview → confirm. Live: fund via deposit instructions (bank or on-chain) or corridor quote → accept where applicable, then send. On-chain credits usually need the correct network and about ~2.00 major units or more; wait for balance / account.credited before sending.

Auth and environments

export BASE_SANDBOX="$BASE_SANDBOX"
export BASE_LIVE="$BASE_LIVE"
export BASE="$BASE_SANDBOX"
export API_KEY="is_test_…"

X-API-Key: <API_KEY>
Content-Type: application/json

Gate

Same banking gate as accounts. If send routes run before ready, the API returns 409 with message Deposit account is not ready. Response data includes deposit_account_status or, in some cases, reason: banking_profile_incomplete.

Happy path

Confirm account + balance

Use Accounts to list/get a stablecoin account_id with available balance

Preview

POST …/accounts/{account_id}/sends/preview → preview_token

Confirm

POST …/accounts/{account_id}/sends with preview_token + idempotency_key

Poll

GET …/accounts/{account_id}/sends/{send_id} until a terminal status (completed / failed, or your mapped equivalents). Prefer webhooks account.send.completed / account.send.failed when configured.

1. Resolve stablecoin account

export CUSTOMER_ID="pcus_…"

curl -sS "$BASE/partner/customers/$CUSTOMER_ID/accounts" \
  -H "X-API-Key: $API_KEY" | jq '.data'

export ACCOUNT_ID="21"   # pick a stablecoin rail with balance

Details: Accounts. Funding: Deposit instructions.

2. Preview

Preview and confirm must use the same account_id. The preview_token binds customer + account.

curl -sS -X POST "$BASE/partner/customers/$CUSTOMER_ID/accounts/$ACCOUNT_ID/sends/preview" \
  -H "X-API-Key: $API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "to_address": "0x40C2f2e0326bD1f647fbeB8732529e08B4DB309f",
    "amount": "5.00",
    "network": "Base",
    "memo": "optional-stellar-memo"
  }' | jq '.data'

Save preview_token. For Stellar destinations, include memo when the recipient requires it.

Send headroom

Amount must be strictly below the account’s displayed available balance. Sending the full balance (for example 1.00 when available is 1.00) returns 422 with available, amount, and currency in data when known.

3. Confirm

Confirm is a live money movement on production.

curl -sS -X POST "$BASE/partner/customers/$CUSTOMER_ID/accounts/$ACCOUNT_ID/sends" \
  -H "X-API-Key: $API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "preview_token": "<from preview>",
    "idempotency_key": "send-2026-08-23-001"
  }' | jq '.data'

export SEND_ID="<from confirm>"

4. Poll send

curl -sS "$BASE/partner/customers/$CUSTOMER_ID/accounts/$ACCOUNT_ID/sends/$SEND_ID" \
  -H "X-API-Key: $API_KEY" | jq '.data'

Prefer webhooks account.send.completed / account.send.failed when configured (Webhooks). Poll GET until a terminal status. If the source was debited but status stays non-terminal (for example long submitted) for an extended time, treat that as abnormal: keep polling, do not assume the destination credited, and escalate to Element Pay ops rather than retrying a second confirm.

Errors

Situation	Typical	Action
Banking gate not ready	`409` with message `Deposit account is not ready`	Poll `products.deposit_account` until `status=ready`
Amount ≥ available	`422` insufficient balance	Lower amount strictly below available
Preview expired / wrong account	`4xx`	Re-preview on the same `account_id`
Stuck non-terminal after debit	Long `submitted` / processing	Poll GET; escalate; do not double-confirm

Accounts · Deposit instructions · Route cheat sheet

Get started

Customers

Corridors

Sandbox

Stablecoin sends

Stablecoin sends

Prerequisites

Auth and environments

Gate

Happy path

1. Resolve stablecoin account

2. Preview

Send headroom

3. Confirm

4. Poll send

Errors

Next

​Stablecoin sends

​Prerequisites

​Auth and environments

​Gate

​Happy path

​1. Resolve stablecoin account

​2. Preview

​Send headroom

​3. Confirm

​4. Poll send

​Errors

​Next

Stablecoin sends

Prerequisites

Auth and environments

Gate

Happy path

1. Resolve stablecoin account

2. Preview

Send headroom

3. Confirm

4. Poll send

Errors

Next