> ## Documentation Index
> Fetch the complete documentation index at: https://docs-payment-merchant.keysecure.io/llms.txt
> Use this file to discover all available pages before exploring further.

# 持卡人金额划转

持卡人金额划转（**授信模式**）。当前划转币种固定为 **TUSDT**。

## 请求头

<ParamField header="Api-Key" type="string" required placeholder="your_api_key">
  apiKey（商户凭证，与 IP 白名单绑定）
</ParamField>

<ParamField header="Timestamp" type="string" required>
  Unix 时间戳（毫秒），与服务端偏差须在 60 秒内，且不接受未来时间戳
</ParamField>

<ParamField header="Access-Token" type="string" required placeholder="your_access_token">
  登录标识（除获取 Token 外必填）
</ParamField>

<ParamField header="Content-Type" type="string" default="application/json">
  固定为 `application/json`
</ParamField>

## 请求体

<ParamField body="cardholder_no" type="string" required>
  持卡人单号
</ParamField>

<ParamField body="transfer_unique_no" type="string" required>
  商户侧划转唯一单号（最长 64 字符）
</ParamField>

<ParamField body="type" type="string" required>
  划转类型，见 8.9（In-转入 / Out-转出）
</ParamField>

<ParamField body="balance" type="string" required>
  划转金额（支持小数点后两位）
</ParamField>

## 返回参数

<ResponseField name="code" type="number">
  响应状态码，`0` 表示成功
</ResponseField>

<ResponseField name="msg" type="string">
  响应消息
</ResponseField>

<ResponseField name="data" type="object">
  返回数据

  <Expandable title="data">
    <ResponseField name="transfer_no" type="string">划转流水单号</ResponseField>
    <ResponseField name="transfer_unique_no" type="string">商户侧划转流水唯一单号</ResponseField>
    <ResponseField name="before_balance" type="string">划转前余额</ResponseField>
    <ResponseField name="after_balance" type="string">划转后余额</ResponseField>
  </Expandable>
</ResponseField>

<RequestExample>
  ```bash Request theme={null}
  curl --request POST \
    --url https://sandbox-openplatform.keysecure.io/open-api/v1/account/transfer \
    --header 'Content-Type: application/json' \
    --header 'Api-Key: your_api_key' \
    --header 'Timestamp: 1716307200000' \
    --header 'Access-Token: your_access_token' \
    --data '{
      "cardholder_no": "U202605220001",
      "transfer_unique_no": "TRANSFER_202605220001",
      "type": "In",
      "balance": "100.00"
    }'
  ```
</RequestExample>

<ResponseExample>
  ```json Response theme={null}
  {
    "code": 0,
    "msg": "Success",
    "data": {
      "transfer_no": "",
      "transfer_unique_no": "",
      "before_balance": "",
      "after_balance": ""
    }
  }
  ```
</ResponseExample>