banking-transaction
Development
Banking Transactions API Overview
The Banking Transactions API provides a simple and secure way to manage financial operations such as deposits, withdrawals, and account-to-account transfers. Developers can also retrieve detailed transaction history for any account using authenticated API requests.
- Authentication: API Key (
X-API-KEY) - Supported Actions: Deposit, Withdrawal, Transfer
- History: Retrieve all transactions for an account
- Data Format: JSON with standard timestamp and CUID identifiers
- Base URL:
https://demo-node-api.digitalapicraft.com
This API is designed to be lightweight, reliable, and easy to integrate into banking, fintech, and accounting applications.
Banking Transactions API
1. Styles Overview
- Base URL:
https://demo-node-api.digitalapicraft.com - Authentication: API Key via
X-API-KEY - ID Format:
cuid - Date Format: ISO 8601 (
2025-12-05T14:30:00Z) - Transaction Types:
DEPOSIT,WITHDRAWAL,TRANSFER - Response Shape: Standard
Transactionobject
Recommended Error Format
{
"code": "INVALID_REQUEST",
"message": "Detailed error message",
"details": { "field": "reason" }
}
2. API Endpoints
POST /api/banking/transactions
Create a deposit or withdrawal transaction.
Request:
{
"accountId": "cuid_abc123",
"type": "DEPOSIT",
"amount": 1000.50,
"description": "Salary credit"
}
Response:
{
"id": "cuid_txn_001",
"accountId": "cuid_abc123",
"type": "DEPOSIT",
"amount": 1000.5,
"description": "Salary credit",
"balanceAfter": 5500.5,
"createdAt": "2025-12-05T14:30:00Z"
}
GET /api/banking/accounts/{id}/transactions
Retrieve all transactions for a given account.
Response:
[
{
"id": "cuid_txn_002",
"accountId": "cuid_abc123",
"type": "WITHDRAWAL",
"amount": 100.0,
"description": "ATM withdrawal",
"balanceAfter": 5400.5,
"createdAt": "2025-12-02T10:15:00Z"
}
]
POST /api/banking/transfer
Transfer funds between accounts.
Request:
{
"fromAccountId": "cuid_abc123",
"toAccountId": "cuid_xyz789",
"amount": 250.00,
"description": "Invoice payment"
}
Response:
{
"transferId": "cuid_transf_001",
"fromTransaction": { "id": "cuid_txn_010" },
"toTransaction": { "id": "cuid_txn_011" }
}
Suggested Additions
- Pagination (
page,size) for history queries - Structured error responses for each endpoint
- Idempotency key for transfers (
Idempotency-Key) - Rate-limit headers and
429responses