COP integration guide

On and offramp with COP using Bre-b and Bank Transfer PSE/ACH

To access COP and the Bre-b and Bank Transfer payment rails, please reach out to our team at [e-mail]

🇨🇴 What we support

• Virtual Accounts - Deposit COP via Bre-B and receive payments from 3rd party businesses.
• Transfers - Onramp COP via Bre-B and Bank Transfer (PSE/ACH) as a 1st party or from 3rd party businesses, offramp to any recipient.
• Liquidation Addresses - Offramps from stablecoin or crypto to COP via Bre-B and Bank Transfer.
• Supported Countries - We support COP on/offramps for customers in +100 countries.

Related APIs

• COP Endorsement required to use the COP currency. If a customer already has the base endorsement, they should also have all of the info needed to grant the COP endorsement.
• COP Virtual Account to onramp funds using a Bre-b key.
• Create a COP External Account to use as a Transfer or Liquidation Address offramp destination.

Logistics

• Onramp minimum 100 COP
• Offramp minimum 4000 COP
• No maximum
  • Bre-B transactions greater than 11,552,000 COP will be sent as a Bank Transfer.
• 1st and 3rd party payouts supported.
• 1st party payins supported, 3rd party payins supported from businesses.
• COP Bre-b and Bank Transfers (PSE/ACH) complete in ~3 minutes however may take up to 30 minutes for larger values.

Request / Response Examples

External Account (Bre-B)

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/external_accounts \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "currency": "cop",
  "account_type": "bre_b",
  "account_owner_name": "First Last",
  "account_owner_type": "individual",
  "account": {
    "bre_b_key": "1234567890123456"
  }
}'

Response

{
  "id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
  "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
  "created_at": "2026-01-05T23:54:57.715Z",
  "updated_at": "2026-01-05T23:54:58.201Z",
  "account_owner_name": "Freddie Mercury",
  "active": true,
  "currency": "cop",
  "account_owner_type": "individual",
  "account_type": "bre_b",
  "account": {
    "bre_b_key": "1234567890123456"
  }

External Account (Bank Transfers)

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/external_accounts \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "currency": "cop",
  "account_type": "co_bank_transfer",
  "account_owner_name": "First Last",
  "first_name": "First Name",
  "last_name": "Last Name",
  "account_owner_type": "individual",
  "account": {
      "document_type": "cc",
	  "account_number": "12345678910
      "document_number": "1234567890",
      "bank_code": "1007",
      "account_type_detail": "savings",
      "phone_number": "[phone]"
  }
}'

Response

{
  "id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
  "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
  "created_at": "2026-01-05T23:54:57.715Z",
  "updated_at": "2026-01-05T23:54:58.201Z",
  "account_owner_name": "First Last",
  "first_name": "First Name",
  "last_name": "Last Name",
  "active": true,
  "currency": "cop",
  "account_owner_type": "individual",
  "account_type": "co_bank_transfer",
  "account": {
      "document_type": "cc",
      "document_number": "1234567890",
      "bank_code": "1007",
      "account_type_detail": "savings",
      "phone_number": "[phone]"
  }

Virtual Account (Bre-B)

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/virtual_accounts \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "source": {
    "currency": "cop"
  },
  "destination": {
    "currency": "usdc",
    "payment_rail": "base",
    "address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  }
}'

Response

{
  "id": "65e93b85-ccf7-4c0b-a327-0cf80749e360",
  "status": "activated",
  "developer_fee_percent": "0.0",
  "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
  "created_at": "2026-01-03T00:23:23.724Z",
  "source_deposit_instructions": {
    "currency": "cop",
    "payment_rails": [
      "bre_b"
    ]
    "bre_b_key": "12345678901234567890",
    "account_holder_name": "Bridge Developer Name"
  },
  "destination": {
    "currency": "usdc",
    "payment_rail": "base",
    "address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  }
}'

Transfer Onramp (Bre-B)

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/transfers \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "amount": "20000",
  "source": {
    "currency": "cop",
    "payment_rail": "bre_b"
  },
  "destination": {
    "payment_rail": "base",
    "currency": "usdc",
    "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  }
}'

Response

{
  "id": "6ccbd781-8859-4944-8d88-66d8a0ff277b",
  "client_reference_id": null,
  "state": "awaiting_funds",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "currency": "cop",
  "amount": "20000",
  "developer_fee": "0.0",
  "source": {
    "payment_rail": "bre_b",
    "currency": "cop",
  },
  "created_at": "2026-01-05T19:38:43.480Z",
  "updated_at": "2026-01-05T19:38:43.780Z",
  "destination": {
    "payment_rail": "base",
    "currency": "usdc",
    "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  },
  "receipt": {
    "initial_amount": "20000",
    "developer_fee": "0.0",
    "exchange_fee": "0.0",
    "subtotal_amount": "20000",
    "gas_fee": "0.0"
  },
  "developer_fee_percent": "0.0",
  "source_deposit_instructions": {
    "payment_rail": "bre_b",
    "currency": "cop",
    "amount": "20000",
    "deposit_message": "COP7depositmessage",
    "bre_b_key": "34567890",
    "account_holder_name": "Bridge Developer Name"
  }
}

Transfer Offramp (Bre-B)

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/transfers \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "source": {
    "amount": "100",
    "currency": "usdc",
    "payment_rail": "bridge_wallet",
    "bridge_wallet_id": "bridge_wallet_id"
  },
  "destination": {
    "currency": "cop",
    "payment_rail": "bre_b",
    "external_account_id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1"
    "reference": "xxxxxxxxxxxx" // maximum 18 characters 
  }
}'

Response

{
  "id": "e94b1961-cf77-44db-a66f-07981f03fb1f",
  "client_reference_id": null,
  "state": "payment_submitted",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "currency": "usdc",
  "amount": "100",
  "developer_fee": "0.0",
  "source": {
    "payment_rail": "bridge_wallet",
    "currency": "usdc",
    "amount": "100",
    "from_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c",
    "bridge_wallet_id": "d017bf1d-8372-4294-94ac-afd0cbc6357d"
  },
  "created_at": "2026-01-06T17:29:22.796Z",
  "updated_at": "2026-01-06T17:29:22.874Z",
  "destination": {
    "payment_rail": "bre_b",
    "currency": "cop",
    "amount": "370000",
    "external_account_id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1"
  },
  "receipt": {
    "initial_amount": "100",
    "developer_fee": "0.0",
    "exchange_fee": "0.0",
    "subtotal_amount": "100",
    "gas_fee": "0.0",
    "final_amount": "370000",

  },
  "created_at": "2020-01-01T00:00:00.000Z",
  "updated_at": "2020-01-02T00:00:00.000Z"
}

Transfer Onramp (CO Bank Transfer)

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/transfers \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "on_behalf_of": "#{request.customer_id}",
  "amount": "20000",
  "source": {
    "currency": "cop",
    "payment_rail": "co_bank_transfer",
	"co_bank_transfer": {
         "redirect_url": "https://example.com/pse/pay/abc123",
         "expiry_date": "2026-05-01T00:30:00.000Z",
         "sender_data":{
            		"full_name": "María López",
            		"document_type": "cc",
            		"document_number": "***7890",
            		"email": "[e-mail]",
            		"phone_number": "[phone]"
         }
    }
  },
  "destination": {
    "payment_rail": "base",
    "currency": "usdc",
    "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  }
}

Response

{
  "id": "00000000-0000-0000-0000-000000000006",
  "state": "awaiting_funds",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "amount": "20000",
  "developer_fee": "0.0",
  "source": {
    "payment_rail": "co_bank_transfer",
    "currency": "cop",
    "co_bank_transfer": {
      "sender_data": {
        "full_name": "María López",
        "document_type": "cc",
        "document_number": "xxxxxxxx",
        "email": "[e-mail]",
        "phone_number": "+573xxxxxxxxxx"
      }
    }
  },
  "destination": {
    "payment_rail": "base",
    "currency": "usdc",
    "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  },
  "source_deposit_instructions": {
    "payment_rail": "co_bank_transfer",
    "amount": "20000",
    "currency": "cop",
    "start_url": "https://example.com/pse/pay/abc123",
	"redirect_url": "https://example.com/pse/pay/abc123",
    "expires_at": "2026-05-01T00:30:00.000Z",
    "account_holder_name": "Bridge Developer Name"
  },
  "created_at": "2020-01-01T00:00:00.000Z",
  "updated_at": "2020-01-02T00:00:00.000Z"
}

Transfer Offramp (CO Bank Transfer)

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/transfers \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "source": {
    "amount": "100",
    "currency": "usdc",
    "payment_rail": "bridge_wallet",
    "bridge_wallet_id": "d017bf1d-8372-4294-94ac-afd0cbc6357d"
  },
  "destination": {
    "currency": "cop",
    "payment_rail": "co_bank_trasnfer",
    "external_account_id": "external_account_id"
    "reference": "xxxxxxxxxx" // maximum 18 characters 
  }
}'

Response

{
  "id": "e94b1961-cf77-44db-a66f-07981f03fb1f",
  "client_reference_id": null,
  "state": "payment_submitted",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "currency": "usdc",
  "amount": "100",
  "developer_fee": "0.0",
  "source": {
    "payment_rail": "bridge_wallet",
    "currency": "usdc",
    "amount": "100",
    "from_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c",
    "bridge_wallet_id": "d017bf1d-8372-4294-94ac-afd0cbc6357d"
  },
  "created_at": "2026-01-06T17:29:22.796Z",
  "updated_at": "2026-01-06T17:29:22.874Z",
  "destination": {
    "payment_rail": "co_bank_transfer",
    "currency": "cop",
    "amount": "370000",
    "external_account_id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
    "reference": "xxxxxxxxxx" 
  },
  "receipt": {
    "initial_amount": "100",
    "developer_fee": "0.0",
    "exchange_fee": "0.0",
    "subtotal_amount": "100",
    "gas_fee": "0.0",
    "final_amount": "370000",

  },
  "created_at": "2020-01-01T00:00:00.000Z",
  "updated_at": "2020-01-02T00:00:00.000Z"
}