Remitly 汇款数据 API：端点与字段

Remitly, Inc. · 支付

《Remitly: Send Money & Transfer》是西雅图 Remitly, Inc. 的安卓客户端，面向跨境给家人汇款的用户：收款侧支持银行入账、现金提取、手机钱包与 Remitly 借记卡。发款人选择国家走廊、Economy 或 Express 到账速度，用借记卡、银行账户、开放银行（美国 Plaid、欧洲 TrueLayer）或应用内钱包付款，并在资金跟踪时间线上查看进度。同一登录壳（MainActivity）还包含带 Circle USDC 余额的美元钱包、Remitly Advance / Flex 信贷、会员与返现、企业发款、巴西 PIX 与新加坡 Singpass。它面向从美国与欧元区向印度、墨西哥、巴西、印尼、尼日利亚和海湾地区汇款的移民与家庭用户，竞品包括 Wise、西联、MoneyGram、WorldRemit 与银行外汇柜台。

发款走廊报价把 baseRate 与 promotionalExchangeRate 钉在源/目标币种的 conduit 上，收款人簿则保存 preferredDestinationPublicId、relationship 与打款 institutionCode。钱包罐子暴露 balance 和 Circle 的 circleBalance；进行中的汇款报告 pollResultStatus、collectionAmount 与 deliveryPromise 时间。

薪酬与零工平台用这些报价对总账，合规台在家庭汇款批次放行前吞入受益人登记册，记账客户端把美元罐子与银行账户并列。openData Studio 把这条走廊、收款人与钱包数据面变成可调用的开放数据。

应用截图

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

引导加载客户资料

POST /v1/customers/bootstrap osint

登录后加载 RemitlyCustomer：邮箱、出生日期、发款国是否可改与结构化地址，供首页壳与 KYC 门槛渲染。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

id
emailAddress
ftt
birthDate
sendCountryChangeable
line1
city
country
postalCode
subdivision
firstName
lastName

POST /v1/customers/bootstrap HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "sections": ["identity", "address", "kyc"]
}

{
  "id": "cust_8f21c4a0",
  "emailAddress": "[email protected]",
  "ftt": false,
  "birthDate": "1991-04-18",
  "sendCountryChangeable": true,
  "address": {
    "line1": "1201 2nd Ave",
    "line2": "Apt 14",
    "city": "Seattle",
    "country": "USA",
    "postalCode": "98101",
    "subdivision": "WA"
  },
  "name": {
    "firstName": "Maria",
    "middleName": "",
    "lastName": "Santos",
    "secondLastName": "",
    "initials": "MS"
  }
}

客户发收款走廊
POST /v1/customers/corridor opendata
返回客户当前发款国与收款国代码，驱动首页汇率条与发款流程的走廊选择。
认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。
- id
- sendCountryCode
- receiveCountryCode
```
POST /v1/customers/corridor HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "scope": "active"
}
```
```
{
  "id": "cust_8f21c4a0",
  "sendCountryCode": "USA",
  "receiveCountryCode": "PHL"
}
```

走廊最优汇率

POST /v1/fx/quote opendata

为首页汇率条与发款金额计算器报价走廊的 baseRate 与 promotionalExchangeRate，含首次发款优惠汇率。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

bestRate
baseRate
promotionalExchangeRate
sourceCurrency
targetCurrency
alpha3
displayCode
requiredSendAmount
requiredPaymentMethods
welcomeMessage

POST /v1/fx/quote HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "sourceCountry": "USA",
  "targetCountry": "PHL",
  "availablePayInMethods": ["DEBIT_CARD", "BANK_ACCOUNT", "OPEN_BANKING"]
}

{
  "bestRate": {
    "baseRate": 57.42,
    "promotionalExchangeRate": 58.1,
    "sourceCurrency": {
      "alpha3": "USD",
      "displayCode": "USD"
    },
    "targetCurrency": {
      "alpha3": "PHP"
    }
  },
  "requiredSendAmount": {
    "amount": "200.00",
    "currency": "USD"
  },
  "requiredPaymentMethods": [
    "DEBIT_CARD"
  ],
  "welcomeMessage": "Promotional rate for first-time senders"
}

汇款价格估算

POST /v1/remittances/estimate openfinance

按付款方式返回汇款报价（汇率加固定与比例手续费），填充发款流程计算器与到账速度营销卡片。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

remittanceEstimate
conduit
sourceCountry
targetCountry
payInMethod
payInEstimates
exchangeRate
baseRate
finalFeeAmount
fixedFeeAmount
proportionalFeeAmount
proportionalFeePercentage
payOutMethod

POST /v1/remittances/estimate HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "sendAmount": {
    "amount": "500.00",
    "currency": "USD"
  },
  "sourceCountry": "USA",
  "targetCountry": "PHL"
}

{
  "remittanceEstimate": {
    "conduit": {
      "sourceCountry": "USA",
      "sourceCurrency": {
        "alpha3": "USD"
      },
      "targetCountry": "PHL",
      "targetCurrency": {
        "alpha3": "PHP"
      }
    },
    "payInMethod": "DEBIT_CARD",
    "payInEstimates": {
      "estimates": [
        {
          "groupId": "debit-economy",
          "payInMethod": "DEBIT_CARD",
          "exchangeRate": {
            "baseRate": 57.42,
            "promotionalExchangeRate": 57.42
          },
          "fee": {
            "finalFeeAmount": {
              "amount": "3.99",
              "currency": "USD"
            },
            "fixedFeeAmount": {
              "amount": "3.99",
              "currency": "USD"
            },
            "proportionalFeeAmount": {
              "amount": "0.00",
              "currency": "USD"
            },
            "proportionalFeePercentage": 0
          }
        }
      ]
    },
    "payOutMethod": "BANK_DEPOSIT"
  }
}

初始化发款草稿

POST /v1/transfers/drafts openfinance

创建贯穿发款各步骤直至提交的 TransactionDraft，携带 corridor、destinationType、recipientId 与 paymentMethod。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

draft
id
draftType
amount
corridor
destinationId
destinationType
recipientId
productType
paymentMethod
publicId
institutionCode
receiveMarket

POST /v1/transfers/drafts HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "corridor": "USA-PHL",
  "destinationType": "BANK_DEPOSIT"
}

{
  "draft": {
    "id": "draft_9c11e2",
    "draftType": "REMITTANCE",
    "amount": {
      "amount": "500.00",
      "currency": "USD"
    },
    "corridor": "USA-PHL",
    "destinationId": "dest_bpi_bank",
    "destinationType": "BANK_DEPOSIT",
    "recipientId": "rcpt_4412",
    "productType": "ECONOMY",
    "paymentMethod": "DEBIT_CARD"
  },
  "destination": {
    "id": "dest_bpi_bank",
    "publicId": "PH-BPI-BANK",
    "name": "BPI Bank Deposit",
    "type": "BANK_DEPOSIT",
    "institutionCode": "BPI",
    "receiveMarket": {
      "country": {
        "alpha3": "PHL"
      },
      "currency": {
        "alpha3": "PHP"
      }
    }
  }
}

列出收款人

POST /v1/recipients/search openfinance

返回客户收款人簿：首选打款目的地、上次发款日期与关系，供选择收款人屏使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

allRecipients
id
displayName
firstName
lastName
phoneNumber
emailAddress
city
country
preferredDestinationPublicId
preferredSendAmount
lastSentDate
productType
relationship
isSelf

POST /v1/recipients/search HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "receiveCountry": "PHL"
}

{
  "allRecipients": [
    {
      "id": "rcpt_4412",
      "name": {
        "displayName": "Ana Reyes",
        "firstName": "Ana",
        "lastName": "Reyes"
      },
      "phoneNumber": "+639171234567",
      "emailAddress": "[email protected]",
      "address": {
        "city": "Quezon City",
        "country": "PHL"
      },
      "preferences": {
        "preferredDestinationPublicId": "PH-BPI-BANK",
        "preferredSendAmount": "500.00",
        "lastSentDate": "2026-09-28T16:04:00Z",
        "productType": "ECONOMY"
      },
      "relationship": "FAMILY",
      "isSelf": false
    }
  ]
}

创建收款人

POST /v1/recipients openfinance

向收款人簿新增收款人（姓名、地址、电话、关系），并失效引导缓存中的收款人列表。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

createRecipient
id
customerID
firstName
lastName
displayName
line1
city
country
postalCode
phoneNumber
relationship
version

POST /v1/recipients HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "name": {
    "firstName": "Ana",
    "lastName": "Reyes"
  },
  "address": {
    "city": "Quezon City",
    "country": "PHL"
  },
  "phoneNumber": "+639171234567",
  "relationship": "FAMILY"
}

{
  "createRecipient": {
    "id": "rcpt_4412",
    "customerID": "cust_8f21c4a0",
    "name": {
      "firstName": "Ana",
      "lastName": "Reyes",
      "displayName": "Ana Reyes"
    },
    "address": {
      "line1": "14 Maginhawa St",
      "city": "Quezon City",
      "country": "PHL",
      "postalCode": "1101"
    },
    "phoneNumber": "+639171234567",
    "relationship": "FAMILY",
    "version": 1
  }
}

列出汇款

POST /v1/transfers/search openbanking

分页返回客户汇款历史（TransfersConnection），供活动页与首页汇款列表使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

transfers
edges
cursor
node
id
pageInfo
hasNextPage
endCursor

POST /v1/transfers/search HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "first": 20,
  "filters": {}
}

{
  "transfers": {
    "edges": [
      {
        "cursor": "cursor_01",
        "node": {
          "id": "txn_7b90"
        }
      },
      {
        "cursor": "cursor_02",
        "node": {
          "id": "txn_7b91"
        }
      }
    ],
    "pageInfo": {
      "hasNextPage": true,
      "endCursor": "cursor_02"
    }
  }
}

汇款状态轮询

POST /v1/transfers/status openbanking

轮询一笔汇款的实时状态（pollResultStatus、displayType）及开放银行鉴权等客户端动作，供资金跟踪屏使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

id
pollResultStatus
displayType
retryErrorCode
authenticationType
errorKey
message
transferClientAction
code
paymentId
tokenId
sessionId

POST /v1/transfers/status HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "id": "txn_7b90"
}

{
  "transfer": {
    "id": "txn_7b90",
    "status": {
      "pollResultStatus": "IN_PROGRESS",
      "displayType": "DELIVERING",
      "retryErrorCode": null,
      "authenticationType": "OPEN_BANKING",
      "transferErrorDetails": null,
      "transferClientAction": {
        "code": "COMPLETE_PAYMENT",
        "details": "Awaiting bank authorization",
        "resource": "ob-session-aa12",
        "metadata": {
          "product": "REMITTANCE",
          "paymentId": "pay_991",
          "tokenId": "tok_ob_14",
          "sessionId": "sess_ob_9"
        }
      }
    }
  }
}

汇款详情

POST /v1/transfers/details openbanking

加载单笔汇款的发/收款金额、collectionAmount、conduit 与 deliveryPromise，供汇款详情收据屏使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

id
amount
converted
input
collectionAmount
conduit
deliveryPromise
datetime
template
recipient
relationship
displayName
phoneNumber

POST /v1/transfers/details HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "transferId": "txn_7b90",
  "includeSmartRate": true
}

{
  "transfer": {
    "id": "txn_7b90",
    "amount": {
      "converted": {
        "amount": "28710.00",
        "currency": "PHP"
      },
      "input": {
        "amount": "500.00",
        "currency": "USD"
      }
    },
    "collectionAmount": {
      "amount": "503.99",
      "currency": "USD"
    },
    "conduit": "USA-PHL",
    "deliveryPromise": {
      "datetime": "2026-10-17T08:00:00Z",
      "template": "MINUTES"
    },
    "recipient": {
      "id": "rcpt_4412",
      "relationship": "FAMILY",
      "name": {
        "displayName": "Ana Reyes",
        "firstName": "Ana",
        "lastName": "Reyes"
      },
      "phoneNumber": "+639171234567"
    }
  }
}

钱包账户余额

POST /v1/wallets/accounts/balance openbanking

读取 Remitly 钱包账户当前余额与币种，供钱包首页与消费屏使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

wallet
account
id
balance
currency

POST /v1/wallets/accounts/balance HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "accountId": "acct_wallet_usd",
  "includeDeletedRelations": false
}

{
  "wallet": {
    "account": {
      "id": "acct_wallet_usd",
      "balance": "245.80",
      "currency": "USD"
    }
  }
}

钱包首页快照

POST /v1/wallets/overview openbanking

返回钱包首页快照：激活标志、资料、filteredAccounts（余额/币种/状态）以及稳定币罐子 circleBalance。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

isUserActivated
profile
firstName
lastName
email
accounts
id
balance
currency
accountName
state
accountType
circleBalance

POST /v1/wallets/overview HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "wallet": {
    "isUserActivated": true,
    "profile": {
      "id": "prof_88",
      "status": "ACTIVE",
      "firstName": "Maria",
      "lastName": "Santos",
      "email": "[email protected]"
    },
    "accounts": [
      {
        "id": "acct_wallet_usd",
        "balance": "245.80",
        "currency": "USD",
        "accountName": "Remitly USD",
        "state": "OPEN",
        "accountType": "STANDARD"
      }
    ],
    "circleBalance": {
      "balance": "0.00",
      "currency": "USDC"
    }
  }
}

开放银行提供方

POST /v1/payin/bank-providers openbanking

列出客户可用来付款的银行机构（Plaid / TrueLayer），并带走廊级 transactionLimit 文案，供开放银行选择器使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

openBankingProviders
items
name
countryCode
institutionOrNetworkCode
status
networkScheme
circularLogoUrl
displayedLimitText

POST /v1/payin/bank-providers HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "country": "USA",
  "currency": "USD",
  "payInMethod": "OPEN_BANKING",
  "sendAmount": {
    "amount": "500.00",
    "currency": "USD"
  }
}

{
  "openBankingProviders": {
    "items": [
      {
        "name": "Chase",
        "countryCode": "USA",
        "institutionOrNetworkCode": "ins_chase",
        "status": "AVAILABLE",
        "networkScheme": "PLAID",
        "circularLogoUrl": "https://cdn.example.com/banks/chase.svg",
        "rectangularLogoUrl": "https://cdn.example.com/banks/chase.svg",
        "transactionLimit": {
          "status": "OK",
          "displayedLimitText": "Up to $2,999 per transfer"
        }
      }
    ]
  }
}

付款工具

POST /v1/payin/instruments openbanking

列出已保存的付款工具（借记卡、银行账户）及 paymentsAvailableAfter，供付款方式选择器使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

financialInstruments
resourceName
legacyId
paymentsAvailableAfter
deletedAt
updatedAt

POST /v1/payin/instruments HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "country": "USA",
  "currency": "USD",
  "type": [
    "DEBIT_CARD",
    "BANK_ACCOUNT"
  ]
}

{
  "financialInstruments": [
    {
      "resourceName": "fi/card_visa_4412",
      "legacyId": "pp_debit_19",
      "paymentsAvailableAfter": "2026-10-16T12:00:00Z",
      "deletedAt": null,
      "updatedAt": "2026-10-12T09:14:00Z"
    }
  ]
}

汇款钱包

POST /v1/wallets/remittance openbanking

读取汇款钱包罐子（授权余额 vs 已结算余额，以及默认打款机构），供从钱包而非卡片发款时使用。

认证方式：登录时签发的 Bearer access token；原生鉴权模块保存会话，并通过专用令牌端点续期。

remittanceWallet
resourceName
owner
currency
status
defaultPayout
method
institution
authorizingBalance
resolvedBalance

POST /v1/wallets/remittance HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "customerResourceName": "customers/cust_8f21c4a0"
}

{
  "remittanceWallet": {
    "resourceName": "remittanceWallets/rw_88",
    "owner": "customers/cust_8f21c4a0",
    "currency": "USD",
    "status": "ACTIVE",
    "defaultPayout": {
      "country": "PHL",
      "currency": "PHP",
      "method": "BANK_DEPOSIT",
      "institution": "BPI"
    },
    "balance": {
      "currency": "USD",
      "authorizingBalance": {
        "amount": {
          "amount": "245.80",
          "currency": "USD"
        }
      },
      "resolvedBalance": {
        "amount": {
          "amount": "245.80",
          "currency": "USD"
        }
      }
    }
  }
}

数据类别

余额
交易
汇率
收款人
实名资料
开放银行

数据使用场景与案例

走廊汇率与手续费对账
资金岗位每晚拉取 BestFxRate 与 PriceMerchandisingEstimates，用 baseRate、promotionalExchangeRate、finalFeeAmount 对总账，让薪酬或零工平台展示与发款计算器相同的美元→菲律宾比索报价。
合规用收款人打款簿
合规台把 GetAllRecipients 的 displayName、relationship、preferredDestinationPublicId、city 与 country 同步进受益人登记册，再放行一批发往家庭的汇款。
个人理财读取钱包余额
记账客户端读取 WalletAccountBalance 与 WalletHomeData（balance、currency、circleBalance、accountType），把客户的 Remitly 美元罐子和 USDC circle 与银行账户并列。
客服与 ERP 跟踪汇款
客服机器人轮询 GetTransferStatus 的 pollResultStatus 与 transferClientAction，发款人问起钱到哪了再打开 TransferDetailsScreen 看 collectionAmount、conduit 与 deliveryPromise。

常见问题

引导接口返回哪些客户字段？

BootStrapCustomer 返回 RemitlyCustomer：id、emailAddress、birthDate、sendCountryChangeable 以及结构化地址（line1、city、country、postalCode、subdivision）和 name.firstName / lastName。GetCustomerCorridor 随后把它收成 sendCountryCode 与 receiveCountryCode。

汇率报价和手续费怎么拆？

BestFxRate 给出走廊的 baseRate 与 promotionalExchangeRate。PriceMerchandisingEstimates 再按付款方式附上 finalFeeAmount、fixedFeeAmount、proportionalFeeAmount 与 proportionalFeePercentage，conduit 上带 sourceCountry / targetCountry。

除了报价，能读钱包余额和汇款跟踪吗？

可以。WalletAccountBalance 返回 account.balance 与 currency；WalletHomeData 还给出 filteredAccounts 与 circleBalance。GetTransferStatus 轮询 pollResultStatus 与 transferClientAction；TransferDetailsScreen 补充 collectionAmount、conduit 与 deliveryPromise。

这些调用如何鉴权？

原生 RemitlyAuth 模块保存 login.remitly.com 签发的会话。后续 Parasol GraphQL 调用带 Authorization: Bearer；访问令牌在 auth.remitly.com/one-auth-refresh-token 续期。开放银行付款仍在客户选定 institutionOrNetworkCode 后走 Plaid 或 TrueLayer。

与 Remitly: Send Money & Transfer 相似的应用

Wise: International Transfers — Wise（原 TransferWise）是伦敦的跨境汇款应用，可在多币种间收发资金，并提供带本地银行账号的多币种账户。
Western Union — 西联是总部位于丹佛的汇款公司，其应用可向 200 多个国家或地区的银行账户、手机钱包或现金提取点打款。
MoneyGram — MoneyGram 是达拉斯的点对点汇款服务，可在应用内、网上或网点向 200 多个国家或地区的银行账户、钱包或现金提取点打款。
WorldRemit — WorldRemit 是伦敦的数字汇款应用，覆盖 130 多个国家，收款方式包括银行入账、手机钱包、现金提取和话费充值。
Xoom — Xoom 是 PayPal 旗下的国际汇款服务，可从美国、加拿大、英国和部分欧洲国家向 160 个国家的银行账户、手机钱包或现金提取点打款。
Ria Money Transfer — Ria Money Transfer 是 Euronet Worldwide 旗下公司，主营个人对个人国际汇款，通过代理网点、门店和手机应用覆盖 190 多个国家。
Sendwave — Sendwave 是 Zepz 旗下的手机汇款应用，可从北美、欧洲和亚洲向非洲、亚洲及其他新兴市场的手机钱包与银行账户打款。
Taptap Send — Taptap Send 面向非洲、亚洲和拉丁美洲走廊的国际汇款应用，收款支持银行入账、手机钱包或现金提取。

需要集成这个 App 的数据 API？

我们可为任意指定 App 交付定制集成——源码交付 USD 500 起，或托管 API 按调用计费。告诉我们您需要的数据即可。

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3–7 天交付
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获取报价

Remitly 汇款数据 API：端点与字段

应用截图

API 端点一览

引导加载客户资料

客户发收款走廊

走廊最优汇率

汇款价格估算

初始化发款草稿

列出收款人

创建收款人

列出汇款

汇款状态轮询

汇款详情

钱包账户余额

钱包首页快照

开放银行提供方

付款工具

汇款钱包

数据类别

数据使用场景与案例

走廊汇率与手续费对账

合规用收款人打款簿

个人理财读取钱包余额

客服与 ERP 跟踪汇款

常见问题

与 Remitly: Send Money & Transfer 相似的应用

更多支付类应用

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

相关主题

需要集成这个 App 的数据 API？

Remitly 汇款数据 API：端点与字段

应用截图

API 端点一览

引导加载客户资料

客户发收款走廊

走廊最优汇率

汇款价格估算

初始化发款草稿

列出收款人

创建收款人

列出汇款

汇款状态轮询

汇款详情

钱包账户余额

钱包首页快照

开放银行提供方

付款工具

汇款钱包

数据类别

数据使用场景与案例

走廊汇率与手续费对账

合规用收款人打款簿

个人理财读取钱包余额

客服与 ERP 跟踪汇款

常见问题

相关应用

与 Remitly: Send Money & Transfer 相似的应用

更多支付类应用

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

相关主题

需要集成这个 App 的数据 API？