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alpaca-broker-funding-transfers

Move money between Alpaca brokerage accounts and external banks via ACH, wire, and funding wallet APIs.

4|Updated Aug 28, 2026
Search Tags:#fintech#funding#alpaca#broker api#wire transfer#sse events#ach transfer
One-click install
npx skills add https://github.com/alan-d-smith/synthetix-alpha --skill alpaca-broker-funding-transfers-alan-d-smith
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: alpaca-broker-funding-transfers
Source: https://github.com/alan-d-smith/synthetix-alpha/tree/main/.agents/skills/alpaca-broker-funding-transfers
Command: npx skills add https://github.com/alan-d-smith/synthetix-alpha --skill alpaca-broker-funding-transfers-alan-d-smith

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill includes references (resource) components.

What problem does it solve? Building deposit and withdrawal flows on the Alpaca Broker API requires navigating three distinct funding rails (ACH, wire, and the v1beta funding wallet), each with different endpoints, status lifecycles, and event coverage, which is easy to get wrong when moving real money. ## Core Features & Use Cases - Three funding rails documented: ACH relationships via Plaid processor tokens, wire recipient banks (domestic ABA and international BIC/SWIFT), and the multi-currency v1beta funding wallet. - Status lifecycle guidance: Complete state machines for classic transfers and funding-wallet transfers, plus when to consume the SSE funding status stream versus when to poll. - Documented gotchas: Wire fees, Travel Rule requirements, sandbox weekend behavior, deprecated fields, and the omnibus/sweep-account journaling pattern. - Use Case: You are building a fintech app where users deposit funds from their bank into an Alpaca brokerage account. Use this Skill to create the ACH relationship, initiate the incoming transfer, and track it to COMPLETE via the SSE event stream. ## Quick Start Use the alpaca-broker-funding-transfers skill to create an ACH relationship and initiate a $100 incoming deposit for an Alpaca account.

Frequently Asked Questions about alpaca-broker-funding-transfers

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I create an ACH deposit with the Alpaca Broker API?▼

Create an ACH relationship first (ideally via a Plaid processor_token), then POST to /v1/accounts/{id}/transfers with transfer_type "ach", the relationship_id, amount as a decimal string, and direction "INCOMING". One relationship backs many transfers.

What is the difference between ACH, wire, and funding wallet transfers on Alpaca?▼

ACH supports incoming and outgoing US domestic transfers via relationships. Wires are outgoing-only via recipient banks and support international SWIFT. The funding wallet is a separate v1beta API offering multi-currency transfers with lowercase incoming/outgoing directions.

Should I poll or use webhooks for Alpaca transfer status updates?▼

Classic ACH and wire transfers are covered by the replayable SSE stream at GET /v2/events/funding/status. Funding-wallet per-transfer status is not pushed and must be polled via GET /v1beta/.../funding_wallet/transfers/{id}, so build a reconciliation poller as a safety net.

Why is my Alpaca wire transfer not progressing?▼

The recipient bank must reach APPROVED status before a wire transfer progresses; new banks start as QUEUED. In sandbox, wires auto-complete only on weekdays, so weekend submissions wait until Monday.

When should I use journals instead of transfers on Alpaca?▼

Use journals (JNLC) to move cash between accounts inside your own omnibus, such as from a firm sweep account to a user account for instant deposits. External transfers handle only the firm-account-to-outside-world leg in this pattern.

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