User-to-user transfer

Transfer balance instantly between Colurs user wallets.

All endpoints require authentication with Authorization: Bearer [TOKEN] and x-api-key.

Overview

Transfer types

Type	Description
Standard Send	Transfer by recipient username. Full validations (KYC, balance, limits).
Fast Send	Transfer by user ID. Option to estimate costs beforehand. Channels with or without fees.
Multiple send	Estimate costs to send to multiple recipients at once.

Standard send

Create a transfer by specifying the recipient username. The system validates KYC, sufficient balance, and limits (for COP).

Flow

Validate recipient

Recipient is identified by to_user (username). Must exist and be active.

Create transfer

POST /send/ with amount, currency, and optional description.

Internal process

(amount + fees) is debited from sender, amount is credited to recipient, balance limit is updated when applicable, and a notification is sent.

Estimate transfer (preview)

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

POSThttps://dev.backend.colurs.co/send/estimate/user/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Request Body

Field	Type	Required	Description
amount	string	✓	Amount
currency	string	✓	COP, USD
to_user	string	✓	Email or 10-digit phone
send_channel	string	✓	COLURS
ip	string	✕	Client IP
latitude	string	✕	Latitude
longitude	string	✕	Longitude
is_for_quote	boolean	✕	false

Create transfer to Colurs user

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

POSThttps://dev.backend.colurs.co/send/user/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Request Body

Field	Type	Required	Description
amount	string	✓	Amount
currency	string	✓	COP, USD
to_user	string	✓	Recipient username
send_channel	string	✓	COLURS
ip	string	✕	IP
latitude	string	✕	Latitude
longitude	string	✕	Longitude
is_for_quote	boolean	✕	false

Response

response.json

{
"to_user": "+573001234567",
"from_user": "+573009876543",
"created": true,
"pk": 12345,
"date": "2026-02-03T10:00:00Z",
"amount": 50000.00
}

Possible Errors

Code	Error	Description
403	User blocked / no KYC	User blocked for transfers or without KYC verification
404	Profile does not exist	Source or destination profile does not exist
400	BALANCE_INSUFFICIENT	Insufficient balance
400	LIMIT_BALANCE	Recipient exceeds balance limit
400	USER_DOES_NOT_SAME	Self-transfer attempt
400	AMOUNT_NOT_ZERO	Amount must be greater than 0
400	OPERATION_INVALID	Operation not allowed
400	UNABLE_TO_CREATE_SEND	Failed to create transfer

**Validations:** Active sender user, existing profiles, completed KYC, amount greater than 0, sufficient balance, for COP recipient balance limit, no self-transfer.

Last users sent to

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

GEThttps://dev.backend.colurs.co/send/last_users_sended/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Request Body

Field	Type	Required	Description
limit	number	✕	Ej. 5
type_send	string	✕	Ej. colurs

Response

response.json

{
"to_user": "+573001234567",
"from_user": "+573009876543",
"created": true,
"pk": 12345,
"date": "2026-02-03T10:00:00Z",
"amount": 50000.00
}

Send to bank account (withdrawal)

Estimate: POST /send/estimate/user/ with send_channel: “DALE”, amount, currency, ip, latitude, longitude, is_for_quote: false. Execute: POST /create/third_party_withdraw/ (see Bank withdrawals).

Send USD (deposit)

Start: POST /usd/owner/payment - Body: deposit_option, currency (USD), amount, ip, latitude, longitude. Confirm: POST /usd/user/deposit - Body: check_id, account_id, withdraw_id. List accounts: GET /usd/user/account.

List transfers

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

GEThttps://dev.backend.colurs.co/send/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Response

response.json

Transfer list (format according to ListSend serializer).

Fast Send

Transfer by user ID with option to estimate costs before execution. Supports channels with and without fees.

Transfer channels

Channel	Description
COLURS	Transfer between Colurs users. No fee (fee = 0).
DALE	Transfer with applicable fees. For COP, may include GMF (financial transaction tax).

Estimate Fast Send

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

POSThttps://dev.backend.colurs.co/send/estimate/user/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Request Body

Field	Type	Required	Description
amount	decimal	✓	Amount to send
currency	string	✓	COP, USD
to_user	int	✕	Recipient user ID (optional)
send_channel	string	✓	COLURS or DALE
is_for_quote	boolean	✓	true for quote only, false to execute later

request.json{
"amount": 50000,
"currency": "COP",
"send_channel": "COLURS",
"is_for_quote": true
}

cURL Example

curl -X POST "https://dev.backend.colurs.co/send/estimate/user/" \
-H "Authorization: Bearer [TOKEN]" \
-H "x-api-key: [API_KEY]" \
-H "Content-Type: application/json" \
-d '{
  "amount": 50000,
  "currency": "COP",
  "send_channel": "COLURS",
  "is_for_quote": true
}'

Response

response.json

{
"result": {
  "amount": 50000.00,
  "fee_amount": 1000.00,
  "fee_iva_amount": 190.00,
  "payed_amount": 51190.00,
  "gmf_amount": 200.00,
  "full_name": 
"Juan Pérez"}
}

For **COLURS** channel: fee_amount and fee_iva_amount are 0, payed_amount = amount. For COP in other channels, gmf_amount may apply.

Execute Fast Send

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

POSThttps://dev.backend.colurs.co/send/user/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Request Body

Field	Type	Required	Description
to_user	int	✓	Recipient user ID
amount	decimal	✓	Amount to send
currency	string	✓	Currency code
send_channel	string	✓	COLURS or DALE
ip	string	✓	Client IP
latitude	string	✕	Latitude GPS
longitude	string	✕	Longitude GPS
description	string	✕	Transfer description

request.json{
"to_user": 42,
"amount": 50000,
"currency": "COP",
"send_channel": "COLURS",
"ip": "192.168.1.1",
"latitude": "4.60971",
"longitude": "-74.08175",
"description": "Reembolso"
}

cURL Example

curl -X POST "https://dev.backend.colurs.co/send/user/" \
-H "Authorization: Bearer [TOKEN]" \
-H "x-api-key: [API_KEY]" \
-H "Content-Type: application/json" \
-d '{
  "to_user": 42,
  "amount": 50000,
  "currency": "COP",
  "send_channel": "COLURS",
  "ip": "192.168.1.1"
}'

Response

response.json

{
"message": "OK",
"data": {
  "id": 12345,
  "currency": "COP",
  "fee_amount": 1000.00,
  "fee_iva_amount": 190.00,
  "amount": 50000.00,
  "payed_amount": 51190.00
}
}

Possible Errors

Code	Error	Description
400	BalanceInsufficient	Insufficient balance
404	ToUserNotExist / ProfileDoesNotExist	Recipient does not exist
400	ToUserDoesNotAllowBlank	to_user is required on execution
404	-	Fee or configuration not found

If channel is **COLURS**, balance transfers instantly and recipient receives a push notification.

Multiple send (estimate)

Estimate multiple send

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

POSThttps://dev.backend.colurs.co/send/estimate/multiple-user/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Request Body

Field	Type	Required	Description
profiles	array	✓	List of objects: profile_id, amount, send_channel
currency	string	✓	Common currency for all sends
is_for_quote	boolean	✓	Whether it is quote-only

request.json{
"profiles": [
  { "profile_id": 10, "amount": 100000, "send_channel": "COLURS" },
  { "profile_id": 11, "amount": 50000, "send_channel": "DALE" }
],
"currency": "COP",
"is_for_quote": true
}

Response

response.json

Object with estimated total breakdown (amount, fee_amount, fee_iva_amount, payed_amount according to multiple-send logic).

📊

Check **Balance** endpoints to verify funds before creating sends. For standard COP Send, recipient balance limit is also validated.

Multiple send (payout to bank accounts)

Executes money transfer to multiple bank accounts in one request. Each item in profiles indicates recipient (by profile_id or third_party_bank_id), amount, and channel (e.g. associated bank account). Use POST /send/estimate/multiple-user/ first to quote, then this endpoint to execute.

Payout to multiple accounts (multiple-user)

Authorizations

Both x-api-key and Authorization: Bearer <token> headers are required.

Endpoint

POSThttps://dev.backend.colurs.co/send/multiple-user/

Required Headers

Content-Type: application/jsonAccept: application/jsonx-api-key: [API_KEY]Authorization: Bearer [ACCESS_TOKEN]

Request Body

Field	Type	Required	Description
currency	string	✓	Common currency for all sends (COP, USD, MXN)
profiles	array	✓	List of objects: profile_id, amount, send_channel and, for bank payout, third_party_bank_id
ip	string	✕	Client IP
latitude	string	✕	GPS latitude
longitude	string	✕	GPS longitude
is_for_quote	boolean	✕	true = quote only, false = execute payout

request.json{
"currency": "COP",
"profiles": [
  {
    "profile_id": 10,
    "amount": "100000",
    "send_channel": "BANCO_BAN100",
    "third_party_bank_id": 5
  },
  {
    "profile_id": 11,
    "amount": "50000",
    "send_channel": "BANCO_BAN100",
    "third_party_bank_id": 8
  }
],
"ip": "192.168.1.1",
"latitude": "4.60971",
"longitude": "-74.08175",
"is_for_quote": false
}

Response

response.json

{
"result": {
  "message": 
"OK"}
}

⚠️

For payout to **bank accounts**, each item in profiles must include send_channel (bank code) and third_party_bank_id (account ID created in [Bank withdrawals](/en/pagos/retiros-bancarios)). Use is_for_quote: true to get breakdown without execution.

Mexico withdrawals (MXN)Payment Links