lightsparkdev · shreyav · Aug 24, 2026 · Aug 23, 2026 · Aug 24, 2026 · Aug 24, 2026
diff --git a/.claude/skills/grid-api/SKILL.md b/.claude/skills/grid-api/SKILL.md
@@ -420,29 +420,36 @@ values `SMS_OTP` (default) or `PASSKEY`.
 
 ### Same-Currency Transfers
 
+Use `/quotes` with `"immediatelyExecute": true`. The `/transfer-in` and
+`/transfer-out` endpoints are deprecated.
+
 ```bash
-# Transfer in (external → internal, same currency)
+# External → internal, same currency (source must support pull, e.g. ACH pull)
 curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
-    "source": {"accountId": "<externalAccountId>"},
-    "destination": {"accountId": "<internalAccountId>"},
-    "amount": 10000
+    "source": {"sourceType": "ACCOUNT", "accountId": "<externalAccountId>"},
+    "destination": {"destinationType": "ACCOUNT", "accountId": "<internalAccountId>"},
+    "lockedCurrencySide": "SENDING",
+    "lockedCurrencyAmount": 10000,
+    "immediatelyExecute": true
   }' \
-  "$GRID_BASE_URL/transfer-in" | jq .
+  "$GRID_BASE_URL/quotes" | jq .
 
-# Transfer out (internal → external, same currency)
+# Internal → external, same currency
 # Optional: top-level "remittanceInformation" (memo, max 80 chars) and a "paymentRail"
 # inside the destination to pick a specific supported rail.
 curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
-    "source": {"accountId": "<internalAccountId>"},
-    "destination": {"accountId": "<externalAccountId>", "paymentRail": "<rail>"},
-    "amount": 10000,
+    "source": {"sourceType": "ACCOUNT", "accountId": "<internalAccountId>"},
+    "destination": {"destinationType": "ACCOUNT", "accountId": "<externalAccountId>", "paymentRail": "<rail>"},
+    "lockedCurrencySide": "SENDING",
+    "lockedCurrencyAmount": 10000,
+    "immediatelyExecute": true,
     "remittanceInformation": "Invoice 1234"
   }' \
-  "$GRID_BASE_URL/transfer-out" | jq .
+  "$GRID_BASE_URL/quotes" | jq .
 ```
 
 ### Transactions
@@ -535,11 +542,12 @@ Use `sourceType: "REALTIME_FUNDING"` with customer ID and currency. Only works w
 
 ### 3. Same-Currency Transfers
 
-Direct transfers between accounts without currency conversion. No quote needed.
+Transfers between accounts without currency conversion. These go through `/quotes`
+like any other transfer; set `immediatelyExecute` to create and execute in one call.
 
 ```
-External Account (USD) → Internal Account (USD)  [transfer-in]
-Internal Account (USD) → External Account (USD)  [transfer-out]
+External Account (USD) → Internal Account (USD)
+Internal Account (USD) → External Account (USD)
 ```
 
 ## Interactive Payment Workflows

diff --git a/.claude/skills/grid-api/references/endpoints.md b/.claude/skills/grid-api/references/endpoints.md
@@ -118,10 +118,12 @@ Internal accounts are auto-created when customers are created based on platform
 
 ## Same-Currency Transfers
 
+Deprecated — use `POST /quotes` with `immediatelyExecute` instead.
+
 | Method | Endpoint | Description |
 |--------|----------|-------------|
-| POST | `/transfer-in` | Create a transfer-in request (external to internal) |
-| POST | `/transfer-out` | Create a transfer-out request (internal to external) |
+| POST | `/transfer-in` | **Deprecated.** Create a transfer-in request (external to internal) |
+| POST | `/transfer-out` | **Deprecated.** Create a transfer-out request (internal to external) |
 
 ## Receiver Lookup
 
@@ -281,8 +283,6 @@ The `/agents/me/*` endpoints are called by an agent using its own credentials (A
 | POST | `/agents/me/quotes/{quoteId}/execute` | Execute a quote |
 | GET | `/agents/me/actions` | List agent's own actions |
 | GET | `/agents/me/actions/{actionId}` | Get an agent action |
-| POST | `/agents/me/transfer-in` | Create a transfer-in |
-| POST | `/agents/me/transfer-out` | Create a transfer-out |
 | GET | `/agents/me/internal-accounts` | List agent's internal accounts |
 | GET | `/agents/me/external-accounts` | List agent external accounts |
 | POST | `/agents/me/external-accounts` | Add an external account |

diff --git a/.stainless/stainless.yml b/.stainless/stainless.yml
@@ -505,7 +505,6 @@ resources:
       pkr_beneficiary: "#/components/schemas/PkrBeneficiary"
       ethereum_wallet_external_account_info: "#/components/schemas/EthereumWalletExternalAccountInfo"
       verification_error: "#/components/schemas/VerificationError"
-      agent_transfer_details: "#/components/schemas/AgentTransferDetails"
       slv_external_account_create_info: "#/components/schemas/SlvExternalAccountCreateInfo"
       slv_beneficiary: "#/components/schemas/SlvBeneficiary"
       individual_customer: "#/components/schemas/IndividualCustomer"
@@ -624,8 +623,6 @@ resources:
       me:
         methods:
           retrieve: get /agents/me
-          create_transfer_in: post /agents/me/transfer-in
-          create_transfer_out: post /agents/me/transfer-out
           list_internal_accounts: get /agents/me/internal-accounts
         subresources:
           transactions:

diff --git a/components/grid-visualizer/CLAUDE.md b/components/grid-visualizer/CLAUDE.md
@@ -204,10 +204,10 @@ Stablecoins: `SOLANA_WALLET` (USDC), `POLYGON_WALLET` (USDC), `BASE_WALLET` (USD
 - `POST /customers/external-accounts` — Register external account
 - `GET /customers/internal-accounts` — List customer internal accounts
 - `GET /platform/internal-accounts` — List platform internal accounts
-- `POST /quotes` — Create cross-currency transfer quote
+- `POST /quotes` — Create a transfer quote (same-currency and cross-currency)
 - `POST /quotes/{quoteId}/execute` — Execute quote
-- `POST /transfer-out` — Same-currency internal → external
-- `POST /transfer-in` — Same-currency external → internal
+- `POST /transfer-out` — **Deprecated.** Same-currency internal → external; use `/quotes`
+- `POST /transfer-in` — **Deprecated.** Same-currency external → internal; use `/quotes`
 
 ### Quote Request Shape
 

diff --git a/mintlify/api-reference/sandbox-testing.mdx b/mintlify/api-reference/sandbox-testing.mdx
@@ -23,23 +23,20 @@ The Grid sandbox environment simulates real payment flows without moving real mo
 
 <SandboxExternalAccounts />
 
-### Beneficiary name verification
-
-<SandboxBeneficiaryVerification />
-
-## Transfer in
-
-In production, internal accounts are funded by sending a bank transfer to the account's payment instructions or by pulling from an external account. In sandbox, you have two options:
+<SandboxTransferPatterns />
 
-### Transfer in from an external account
+These outcomes apply whenever the account is used, as the source of a pull or the
+destination of a payout.
 
-Use the `/transfer-in` endpoint to pull funds from an external account into an internal account. The external account's number suffix determines the outcome:
+### Beneficiary name verification
 
-<SandboxTransferPatterns />
+<SandboxBeneficiaryVerification />
 
-### Sandbox fund endpoint
+## Funding an internal account
 
-Instantly add funds to any internal account using `/sandbox/internal-accounts/{accountId}/fund`:
+Internal accounts are funded from their payment instructions or by pulling from an external
+account — see [Internal Accounts](/payouts-and-b2b/depositing-funds/internal-accounts) for
+both. Sandbox adds a shortcut that skips the wait:
 
 ```bash
 curl -X POST https://api.lightspark.com/grid/2025-10-13/sandbox/internal-accounts/{accountId}/fund \
@@ -48,15 +45,18 @@ curl -X POST https://api.lightspark.com/grid/2025-10-13/sandbox/internal-account
   -d '{ "amount": 100000 }'
 ```
 
-## Creating quotes (cross-currency transfers)
+To exercise the pull path instead, create a quote with an external account as the source and
+`immediatelyExecute` set to `true`. The account's suffix decides the outcome.
+
+## Creating quotes
 
 <SandboxQuotePatterns />
 
 ### Executing a quote
 
 After creating a quote, you need to fund it to trigger execution. There are two ways to do this in sandbox:
 
-**Prefunded internal account** — If your quote's source is an internal account, fund the account using one of the methods described in [transfer in](#transfer-in), then call the quote execute endpoint to trigger the transaction:
+**Prefunded internal account** — If your quote's source is an internal account, fund the account using one of the methods described in [funding an internal account](#funding-an-internal-account), then call the quote execute endpoint to trigger the transaction:
 
 ```bash
 curl -X POST https://api.lightspark.com/grid/2025-10-13/quotes/{quoteId}/execute \
@@ -75,10 +75,6 @@ curl -X POST https://api.lightspark.com/grid/2025-10-13/sandbox/send \
   }'
 ```
 
-## Transferring out funds
-
-Use the `/transfer-out` endpoint to push funds from an internal account to an external account in the same currency. The external account's number suffix controls the outcome using the same patterns as [transfer in](#transfer-in-from-an-external-account).
-
 ## Sending to a UMA address
 
 <SandboxUmaAddresses />

diff --git a/mintlify/changelog.mdx b/mintlify/changelog.mdx
@@ -11,6 +11,25 @@ changes and roadmap, [book a live demo](https://www.lightspark.com/contact) or
 
 <Update label="August 2026">
 
+## `/transfer-in` and `/transfer-out` are deprecated
+
+Same-currency transfers now go through the quote endpoint, so one integration covers
+same-currency and cross-currency alike.
+
+- Use `POST /quotes` with `immediatelyExecute: true` to create and execute a
+  same-currency transfer in a single request.
+- `amount` becomes `lockedCurrencyAmount` with `lockedCurrencySide: "SENDING"`; source
+  and destination gain `sourceType: "ACCOUNT"` and `destinationType: "ACCOUNT"`.
+  `remittanceInformation`, `purposeOfPayment`, and the destination `paymentRail` carry
+  over unchanged.
+- The response is a `Quote` rather than a `Transaction`—read `transactionId` from it to
+  track the resulting transaction.
+- `POST /transfer-in` and `POST /transfer-out` continue to work with unchanged request
+  and response shapes.
+
+See [Send a payment](/payouts-and-b2b/payment-flow/send-payment#send-a-payment)
+for the updated flow.
+
 ## Assess your own fees on every transaction
 
 Charge your customers a platform fee and keep the margin—Grid collects it for you and

diff --git a/mintlify/global-accounts/agents/approvals-and-audit.mdx b/mintlify/global-accounts/agents/approvals-and-audit.mdx
@@ -50,9 +50,8 @@ An approval is not always a guarantee that the action will execute. Your product
 - `agentId` — the agent that submitted the action
 - `customerId` / `platformCustomerId` — the customer on whose behalf the agent acted
 - `status` — `PENDING_APPROVAL` while awaiting a decision; transitions to `APPROVED`, `REJECTED`, or `FAILED`
-- `type` — `EXECUTE_QUOTE`, `TRANSFER_OUT`, or `TRANSFER_IN`
-- `quote` — for `EXECUTE_QUOTE` actions, the full quote object including amounts, currencies, exchange rate, and destination
-- `transferDetails` — for `TRANSFER_OUT` / `TRANSFER_IN` actions, amount, currency, and source/destination account IDs
+- `type` — `EXECUTE_QUOTE`
+- `quote` — the full quote object including amounts, currencies, exchange rate, and destination
 - `transaction` — populated after the action is approved and execution begins; absent while pending or rejected
 - `rejectionReason` — optional reason string set when your platform rejects the action
 - `createdAt` / `updatedAt` — timestamps for the action lifecycle

diff --git a/mintlify/global-accounts/agents/policies-and-permissions.mdx b/mintlify/global-accounts/agents/policies-and-permissions.mdx
@@ -37,9 +37,8 @@ Grid exposes explicit allowlists instead of broad agent access. Available permis
 | Permission | What it allows |
 |---|---|
 | `VIEW_TRANSACTIONS` | List and retrieve transactions and account balances |
-| `CREATE_TRANSFERS` | Initiate same-currency transfers |
-| `CREATE_QUOTES` | Create cross-currency quotes |
-| `EXECUTE_QUOTES` | Execute cross-currency quotes |
+| `CREATE_QUOTES` | Create quotes |
+| `EXECUTE_QUOTES` | Execute quotes |
 | `MANAGE_EXTERNAL_ACCOUNTS` | Create and manage external accounts |
 
 These permissions are intentionally narrow and map to concrete Grid-backed actions rather than broad scopes such as "manage wallet."

diff --git a/mintlify/global-p2p/sending-receiving-payments/sending-payments.mdx b/mintlify/global-p2p/sending-receiving-payments/sending-payments.mdx
@@ -3,25 +3,23 @@ title: "Sending Payments"
 icon: "/images/icons/paper-plane-top-right.svg"
 "og:image": "/images/og/og-global-p2p.png"
 ---
-This guide covers three methods to send payments:
+Every payment goes through `POST /quotes`. What changes is where you are sending:
 
-1. Same-currency transfer to an external account
-2. Cross-currency transfer with a quote
-3. Sending to an UMA address
+1. To an account — internal or external, with or without currency conversion
+2. To an UMA address
 
 ## Choosing the right method
 
-- **Same-currency**: Best for domestic payouts when sender and recipient use the same currency. Uses local payment rails (e.g., RTP, SEPA Instant, PIX, FPS) for low cost and fast settlement.
-- **Cross-currency**: Use when conversion is required or when paying globally across borders. Also supports sending to a crypto wallet address when configured.
+- **Account**: Pay an internal or external account. Grid converts when the currencies differ and settles over local payment rails (e.g., ACH, RTP, SEPA Instant, PIX, FPS) when they match. Also covers sending to a crypto wallet address when configured.
 - **UMA**: Send using a Universal Money Address. Ideal for global counterparties on networks.
 
-import SameCurrency from '/snippets/sending/same-currency.mdx'
+import SendToAccount from '/snippets/sending/accounts.mdx'
 
-<SameCurrency />
+<SendToAccount />
 
-import CrossCurrency from '/snippets/sending/cross-currency.mdx'
+import CryptoFunding from '/snippets/sending/crypto-funding.mdx'
 
-<CrossCurrency />
+<CryptoFunding />
 
 import SendUMA from '/snippets/sending/uma.mdx'