--- title: Depasify API Integration on Truto slug: depasify category: Banking canonical: "https://truto.one/integrations/detail/depasify/" --- # Depasify API Integration on Truto **Category:** Banking **Status:** Generally available ## MCP-ready AI tools Truto exposes 83 tools for Depasify that AI agents can call directly. - **create_a_depasify_session** — Sign in to the Depasify API to obtain a JWT bearer token for authenticating subsequent API calls. Returns: token, openapi, info, servers, paths, components, x-readme. Required: email, password. For 2FA-enabled accounts, include otp_attempt and otp_secret on re-submission after the initial OTP challenge. Token expires after 1 month. - **list_all_depasify_accounts** — List all Depasify accounts accessible to the authenticated user, including main and client-facing accounts. Returns: id, referral, status, alias, created_at, balance, status_verification, complete_name, identification_external_uuid, identification_uuid. - **create_a_depasify_account** — Create a new Depasify account linked to an existing Identification. Provide either the identification uuid or an external id shared between your services. Returns: id, referral, status, alias, created_at, balance, status_verification, complete_name, identification_external_uuid, identification_uuid, openapi, info, servers, paths, components, x-readme. - **get_single_depasify_account_by_id** — Get detailed information about a specific Depasify account by id. Returns: id, referral, status, alias, created_at, balance, status_verification, complete_name, identification_external_uuid, identification_uuid, openapi, info, servers, paths, components, x-readme. Required: id. - **update_a_depasify_account_by_id** — Update an existing Depasify account's alias, referral code, or linked identification. Returns: id, referral, status, alias, created_at, balance, status_verification, complete_name, identification_external_uuid, identification_uuid, openapi, info, servers, paths, components, x-readme. Required: id. - **depasify_accounts_link_blockchain_payment** — Link a blockchain payment to a Depasify sub-account by transaction hash. Depasify verifies the transaction against whitelisted parameters before crediting. Returns: id, amount, currency, kind, status, created_at, approval_progress, initiated_by, approved_by, rejected_by, openapi, info, servers, paths, components, x-readme. Required: account_id, tx_hash, to_sepa. - **depasify_accounts_get_trading_fees** — Get the current trading fee configuration for a Depasify account. Returns: name, enabled, configuration, openapi, info, servers, paths, components, x-readme. Required: account_id. - **depasify_accounts_get_sepa_fees** — Get the current SEPA fee configuration for a Depasify account. Returns: name, enabled, configuration, openapi, info, servers, paths, components, x-readme. Required: account_id. - **depasify_accounts_update_sepa_fees** — Update the SEPA fee configuration for a Depasify account. The fee is expressed in bps where 1% equals 0.01 and includes both a percentage and a fixed component. Returns: name, enabled, configuration, openapi, info, servers, paths, components, x-readme. Required: account_id, sepa_fee. - **depasify_accounts_withdraw** — Initiate a withdrawal of funds from a Depasify account to the user's linked external bank account. Returns an array of fiat payment objects including id, iban, amount, currency, kind, status, and created_at. Required: account_id. For multi-bank account setups, use the FiatPayments endpoints instead. - **depasify_accounts_get_balance** — Get the current balance for a specific Depasify account, showing available balances for each currency held. Returns: details, openapi, info, servers, paths, components, x-readme.g., USD, EUR, USDT), a details object with per-currency available and pending_settlement breakdowns. Required: account_id. - **depasify_accounts_bulk_update** — Update the trading fee for a Depasify account. The fee is expressed in bps where 1% equals 0.01; any value above the contract default is captured by your Collections Account. Returns: name, enabled, configuration, openapi, info, servers, paths, components, x-readme. Required: account_id, trading_fee. - **list_all_depasify_ledgers** — List ledger entries for a Depasify account, covering deposits, withdrawals, trades, and internal transfers. Returns: id, entryable_type, amount, currency, category, metadata, created_at. Required: account_id. - **depasify_ledgers_get_pdf_report** — Generate a PDF report of all ledger entries for a Depasify account, optionally filtered by date range. Returns: data, openapi, info, servers, paths, components, x-readme. Required: account_id. - **depasify_ledgers_get_csv_report** — Generate a CSV report of all ledger entries for a Depasify account, optionally filtered by date range. Returns a CSV file containing ledger entries as a binary download. Required: account_id. - **list_all_depasify_settlements** — List all Depasify settlements for a specific account, showing internal fund transfers with source and destination ledger entries. Returns: id, amount, currency, from, to, created_at. Required: account_id. - **depasify_settlements_create_internal** — Create an internal settlement in Depasify to transfer funds between accounts. Returns the created internal settlement data including from and to account ledger entries and created_at. Required: account_id, destination_account_id, amount, currency. - **list_all_depasify_identifications** — List all identifications in Depasify for the authenticated user. Returns: id, status, name, surname, external_uuid, account_id, account_referral, created_at. - **get_single_depasify_identification_by_id** — Get a single Depasify identification by id. Returns: id, status, name, surname, external_uuid, account_id, account_referral, created_at, openapi, info, servers, paths, components, x-readme. Required: id. - **update_a_depasify_identification_by_id** — Update contact details, address, and employment information for an existing Depasify identification. Returns: id, status, name, surname, external_uuid, account_id, account_referral, created_at, openapi, info, servers, paths, components, x-readme. Required: id. All body fields are optional. - **depasify_identifications_close** — Close a Depasify identification that is no longer needed. Initiated identifications move to closed; approved identifications move to blocked. Returns: id, status, name, surname, external_uuid, account_id, account_referral, created_at, openapi, info, servers, paths, components, x-readme. Required: identification_id. This operation cannot be reversed; only initiated or approved identifications can… - **depasify_identifications_import_identity** — Import identity data into Depasify, creating an Account and an Identification for the specified person. Returns: id, status, name, surname, external_uuid, account_id, account_referral, created_at, openapi, info, servers, paths, components, x-readme. Required: external_uuid. This endpoint must be whitelisted by Depasify. - **depasify_identifications_soft_kyc** — Submit individual or company identification details to Depasify for manual verification. Returns: id, status, name, surname, external_uuid, account_id, account_referral, created_at, openapi, info, servers, paths, components, x-readme. Required: kind, name, address, city, country, email; additional required fields depend on kind (person requires surname, birthdate, document_number, document_type;… - **depasify_identifications_create_identify_process** — Start a KYC or KYB verification flow in Depasify. Returns: data, openapi, info, servers, paths, components, x-readme. - **list_all_depasify_identification_documents** — List all documents attached to a Depasify identification, including those stored during KYC verification or uploaded manually. Returns: id, doc_type, doc_side, filename, content_type, byte_size, created_at. Required: identification_id. - **create_a_depasify_identification_document** — Upload a new document to a Depasify identification with a file and document type. Returns: data. Required: identification_id, file, type. - **update_a_depasify_identification_document_by_id** — Replace an existing Depasify identification document's file; original doc_type and doc_side metadata are preserved and only the file content is replaced. Returns: data. Required: identification_id, id, file. - **list_all_depasify_kyb** — List all KYB applications in Depasify for the authenticated user's vault. Returns: id, external_id, client_kyc, internal, status, nature_of_business, business_files, beneficiaries, usage_of_account. - **create_a_depasify_kyb** — Create a new KYB (Know Your Business) application in Depasify, generating a unique UUID and a secure password for accessing the onboarding form. Returns: data, generated_password, openapi, info, servers, paths, components, x-readme. No required parameters. - **get_single_depasify_kyb_by_id** — Get a specific KYB application in Depasify by id, including nature of business, business files, beneficiaries, and usage of account details. Returns: data, openapi, info, servers, paths, components, x-readme. Required: id. - **update_a_depasify_kyb_by_id** — Update a Depasify KYB application with business information, usage details, beneficiaries, and file metadata. Returns: message, openapi, info, servers, paths, components, x-readme. Required: id. Cannot update a KYB that has already been processed (returns 403). - **depasify_kyb_validate** — Validate whether a Depasify KYB application exists by its UUID. Returns: exists, openapi, info, servers, paths, components, x-readme. Required: validate_id. - **depasify_kyb_validate_password** — Validate the password associated with a Depasify KYB application for secure access to the onboarding form. The password is generated when the KYB is created. Returns: authenticate, openapi, info, servers, paths, components, x-readme. Required: validate_password_id, password. - **depasify_kyb_upload_file** — Upload a document file to a specific attribute of a Depasify KYB application. Returns: name, id, openapi, info, servers, paths, components, x-readme. Required: upload_file_id, file, attribute. Cannot upload files to a KYB that has already been processed. - **depasify_kyb_delete_file** — Delete a previously uploaded document from a specific attribute of a Depasify KYB application. Returns: message, openapi, info, servers, paths, components, x-readme. Required: delete_file_id, blob_key, attribute_key. Cannot delete files from a KYB that has already been processed. - **list_all_depasify_bank_accounts** — List bank accounts for a Depasify account, optionally filtered by kind. Returns: id, name, holder_name, iban, subject, kind, bic, currency, account_number, sort_code, balance, created_at. Required: account_id. - **create_a_depasify_bank_account** — Create a new bank account in Depasify for a specific account. Returns: id, name, holder_name, iban, subject, kind, bic, currency, account_number, sort_code, balance, created_at, openapi, info, servers, paths, components, x-readme. Required: account_id, email, currency. - **get_single_depasify_bank_account_by_id** — Get details of a specific bank account in Depasify. Returns: id, name, holder_name, iban, subject, kind, bic, currency, account_number, sort_code, balance, created_at, openapi, info, servers, paths, components, x-readme. Required: account_id, id. - **depasify_bank_accounts_close** — Close a virtual IBAN in Depasify. A closed virtual IBAN cannot be restored. Returns an empty response on success. Required: account_id, bank_account_id. - **depasify_bank_accounts_initiate_open_banking_transaction** — Initiate an open banking transaction for a Depasify bank account, returning a payment provider URL for the user to authorize. Returns: data. Required: account_id, bank_account_id, redirect_url, amount, recipient, email. - **list_all_depasify_counterparties** — List all counterparties associated with a specific Depasify bank account, ordered by creation date descending. Returns: id, iban, description, recipient, alias, external_id, currency, kind, address_line1, city, postal_code, country, favourite, amount. Required: account_id, bank_account_id. - **create_a_depasify_counterparty** — Create a new counterparty (fiat payment recipient) for a specific Depasify bank account. Returns the created counterparty including id, iban, recipient, currency, kind, favourite, and amount. Required: account_id, bank_account_id, iban, recipient, kind. Additional fields such as supported_rails, institution_name, state, and phone_number are mandatory depending on the country and currency. - **list_all_depasify_fiat_payments** — List fiat payments for a specific Depasify bank account, optionally filtered by status. Returns: id, iban, description, recipient, amount, currency, kind, status, card_bin, last_four, account_number, fiat_payment_fee, created_at, approval_progress, initiated_by, approved_by, rejected_by. Required: account_id, bank_account_id. - **create_a_depasify_fiat_payment** — Create a new fiat payment from a Depasify bank account for off-ramping, funding, or inter-account transfers. Returns: id, iban, description, recipient, amount, currency, kind, status, card_bin, last_four, account_number, fiat_payment_fee, created_at, approval_progress, initiated_by, approved_by, rejected_by. Required: account_id, bank_account_id, amount, description, iban, recipient,… - **get_single_depasify_fiat_payment_by_id** — Get a specific Depasify fiat payment by id. Returns the full fiat payment object including id, iban, recipient, amount, currency, kind, status, created_at, and approval workflow fields. Required: account_id, bank_account_id, id. - **depasify_fiat_payments_approve** — Approve a Depasify fiat payment pending dual approval under a four-eyes policy. When enough approvals are collected the payment is automatically processed. Returns: data. Required: account_id, bank_account_id, fiat_payment_id. - **depasify_fiat_payments_reject** — Reject a Depasify fiat payment pending dual approval, immediately setting its status to rejected and preventing further processing. Returns: data. Required: account_id, bank_account_id, fiat_payment_id. - **depasify_fiat_payments_list_by_vault** — List fiat payments associated with a specific vault in Depasify, including both incoming and outgoing transactions. Returns: id, iban, description, recipient, amount, currency, kind, status, card_bin, last_four, account_number, fiat_payment_fee, created_at, approval_progress, initiated_by, approved_by, rejected_by. Required: vault_id. - **list_all_depasify_blockchain_wallets** — List blockchain wallets associated with a Depasify account. Returns: id, name, memo, address, network, kind, balance, created_at. Required: account_id. Optional filter by kind (source or deposits). - **create_a_depasify_blockchain_wallet** — Create a new blockchain wallet for a Depasify account, either as a self-custodial deposit wallet or a whitelisted payout destination. Returns: id, name, memo, address, network, kind, balance, created_at, openapi, info, servers, paths, components, x-readme. Required: account_id, name, network, kind. When kind is 'source', address is also required; when kind is 'deposits', address must be omitted. - **get_single_depasify_blockchain_wallet_by_id** — Get detailed information about a specific blockchain wallet in Depasify. Returns: id, name, memo, address, network, kind, balance, created_at, openapi, info, servers, paths, components, x-readme. Required: account_id, id. - **depasify_blockchain_wallets_get_fees** — Get fee information for payments made using a specific blockchain wallet in Depasify. Returns: network, fees, openapi, info, servers, paths, components, x-readme. Required: account_id, blockchain_wallet_id. - **list_all_depasify_blockchain_payments** — List blockchain payments for a specific blockchain wallet in Depasify. Returns: id, amount, currency, kind, status, created_at, approval_progress, initiated_by, approved_by, rejected_by. Required: account_id, blockchain_wallet_id. - **create_a_depasify_blockchain_payment** — Create a new blockchain payment from a specific blockchain wallet in Depasify. The system validates and enqueues the transaction. Returns: id, amount, currency, kind, status, created_at, approval_progress, initiated_by, approved_by, rejected_by. Required: account_id, blockchain_wallet_id, amount, currency. - **get_single_depasify_blockchain_payment_by_id** — Get details of a specific blockchain payment in Depasify. Returns: id, amount, currency, kind, status, created_at, approval_progress, initiated_by, approved_by, rejected_by, openapi, info, servers, paths, components, x-readme. Required: account_id, blockchain_wallet_id, id. - **depasify_blockchain_payments_approve** — Approve a blockchain payment pending dual approval (four eyes policy) in Depasify. Each user can only approve once; when enough approvals are collected the payment is processed automatically. Returns: data. Required: account_id, blockchain_wallet_id, blockchain_payment_id. - **depasify_blockchain_payments_reject** — Reject a blockchain payment pending dual approval (four eyes policy) in Depasify. Immediately sets the payment status to rejected and prevents further processing. Returns: data. Required: account_id, blockchain_wallet_id, blockchain_payment_id. - **list_all_depasify_gas_fees** — Get the estimated fee for a blockchain payment in Depasify. Returns: fees, asset, network, openapi, info, servers, paths, components, x-readme. Required: blockchain, asset. Supported blockchains: polygon, bitcoin, ethereum, tron. - **list_all_depasify_trades** — List all trades for a Depasify account, including both completed and pending trades. Returns: id, pair, amount, volume, price, trade_type, order_type, created_at, trading_fee_amount, trading_fee_percentage, client_id. Required: account_id. - **create_a_depasify_trade** — Create a new trade order for a Depasify account. Orders execute as market orders by default at the best available price. Returns: id, pair, amount, volume, price, trade_type, order_type, created_at, trading_fee_amount, trading_fee_percentage, client_id, openapi, info, servers, paths, components, x-readme. Required: account_id, pair, type. - **get_single_depasify_trade_by_id** — Get a single Depasify trade by id. Returns: id, pair, amount, volume, price, trade_type, order_type, created_at, trading_fee_amount, trading_fee_percentage, client_id, openapi, info, servers, paths, components, x-readme. Required: account_id, id. - **depasify_trades_cancel** — Cancel a pending, unexecuted trade for a Depasify account. Provide either trade_id or client_id in the request body to identify the trade. Returns: id, pair, amount, volume, price, trade_type, order_type, created_at, trading_fee_amount, trading_fee_percentage, client_id, openapi, info, servers, paths, components, x-readme. Required: account_id. - **depasify_market_data_get_supported_pairs** — List supported currency pairs for trading on Depasify, including both cryptocurrency and fiat combinations. Returns: pair, quote_resolution, base_resolution, min_volume, min_amount. Available liquidity venues may vary per account. - **depasify_market_data_get_price** — Get the current market price for a specific currency pair on Depasify. Returns: price, pair, openapi, info, servers, paths, components, x-readme. Required: pair (e.g., USD/EUR). - **create_a_depasify_quote** — Create a Depasify quote scoped to an account, supporting either an FX quote (source_currency, target_currency, source_amount) or a payout quote (counterparty_id, trx_uuid, and source_amount or destination_amount). Returns: data. FX quotes are valid for 60 seconds. Required: account_id. - **depasify_quotes_accept** — Accept an active Depasify quote by its UUID, executing the trade or payout locked at creation time. Returns: data. Returns 422 if the quote has expired or if there are provider/balance errors. Required: account_id, quote_id. - **create_a_depasify_card_payment** — Create a card payment in Depasify for a specific account. The response includes a continue_url to embed in an iframe to complete the 3DS payment flow. Returns: data. Required: account_id, trx_uuid, card_number, expiration_month, expiration_year, cvc, amount, currency, card_holder_name, address_line_1, postal_code, city, country_code. - **get_single_depasify_card_payment_by_id** — Get a single Depasify card payment by id within a specific account. Returns: data. Required: account_id, id. - **depasify_card_payments_refund** — Request a refund for a Depasify card payment through the provider. Returns the updated card payment with status transitioning to processing_refund or refunded. Returns: data. Required: account_id, card_payment_id. - **list_all_depasify_card_payments** — List card payments in Depasify for the authenticated user's vault, ordered by creation date descending (newest first). Returns: id, transaction_reference, trx_uuid, amount, currency, status, refusal_code, refusal_reason, created_at, updated_at, refunded_at, continue_url, fees. - **depasify_card_payments_get_by_id** — Get a single Depasify card payment by its ID without requiring an account ID. Returns: id, created_at, updated_at, fees, openapi, info, servers, paths, components, x-readme. Required: card_payment_id. - **list_all_depasify_four_eyes_policies** — List all four eyes policies in Depasify applicable to the authenticated user's vault. Returns: id, scope, entity_type, enabled, threshold_eur, created_at, updated_at. Policies are scoped at the vault or customer level and apply to FiatPayment or BlockchainPayment entities. - **get_single_depasify_four_eyes_policy_by_id** — Get a single four eyes policy in Depasify by id. Returns: data. Required: id. - **update_a_depasify_four_eyes_policy_by_id** — Update the EUR threshold of an existing four eyes policy in Depasify. The threshold determines the minimum amount that triggers dual approval. Returns: data. Required: id and threshold_eur. - **list_all_depasify_reports** — List Depasify reports for a specific vault, filterable by status and report type. Results are ordered by creation date, newest first. Returns: id, report_type, status, start_date, end_date, error_message, created_at, completed_at. Required: vault_id. - **create_a_depasify_report** — Create a new Depasify report for a specific vault. The report is generated asynchronously and can be downloaded once completed. Returns: data. Required: vault_id, report_type, start_date, end_date. Only card_payments report type is currently supported. - **get_single_depasify_report_by_id** — Get a single Depasify report by id within a specific vault. Returns: data. Required: vault_id, id. - **depasify_reports_download** — Get a presigned download URL for a completed Depasify report's CSV file. Returns: download_url, expires_in, filename, openapi, info, servers, paths, components, x-readme. Required: vault_id, report_id. The report must have a completed status; a 422 error is returned otherwise. The URL expires after 1 hour. - **list_all_depasify_tickets** — List support tickets in Depasify ordered by most recently updated. Returns: id, ticket_number, subject, status, priority, category, has_unread_messages, unread_count, last_message_at, ticketable, account_uuid, client_assignee, created_at, updated_at, closed_at. Filter by status, priority, category, or free-text search matching ticket number, subject, description, messages, or account info. - **create_a_depasify_ticket** — Create a new support ticket in Depasify. Optionally attach it to an account and/or a related resource (fiat_payment, blockchain_payment, or trade). Returns the created ticket including id, ticket_number, subject, status, priority, messages, and attachments. Required: subject. - **get_single_depasify_ticket_by_id** — Get full details of a specific Depasify ticket by id, including messages, attachments, and linked resources. Returns: data. Required: id. - **depasify_sandbox_simulate_incoming_fiat** — Simulate an incoming fiat payment on a specified bank account in the Depasify sandbox environment. The payment is immediately confirmed and a webhook notification is sent. Returns the created fiat payment object including id, iban, amount, currency, kind, status, and created_at. Required: account_id, bank_account_id, amount. Only available in the sandbox environment. - **depasify_sandbox_simulate_incoming_crypto** — Simulate an incoming crypto payment on a specified blockchain wallet in the Depasify sandbox. The payment is immediately confirmed and a webhook notification is sent. Returns: id, amount, currency, kind, status, created_at, approval_progress, initiated_by, approved_by, rejected_by. Required: account_id, blockchain_wallet_id, amount. Only available in the sandbox environment. ## How it works 1. **Link your customer's Depasify account.** Use Truto's frontend SDK; we handle every OAuth and API key flow so you don't need to create the OAuth app. 2. **Authentication is automatic.** Truto refreshes tokens, stores credentials securely, and injects them into every API request. 3. **Call Truto's API to reach Depasify.** The Proxy API is a 1-to-1 mapping of the Depasify API. 4. **Get a unified response format.** Every response uses a single shape, with cursor-based pagination and data in the `result` field. ## Use cases - **Embed Fiat + Crypto Treasury in Your Product** — Let your business customers connect a Depasify account to hold, move, and reconcile both fiat (via virtual IBANs) and blockchain assets from inside your SaaS. Ideal for treasury, spend management, and B2B fintech platforms that want to offer multi-asset money movement without becoming a regulated entity. - **Automate Global Contractor & Vendor Payouts** — Payroll, AP, and marketplace platforms can trigger fiat SEPA payments or on-chain stablecoin transfers on behalf of their customers, with automatic FX or crypto conversions when the source currency doesn't match the payout currency. - **Unified Ledger Sync for Accounting & ERP** — Accounting and reconciliation platforms can pull a chronologically unified ledger of fiat deposits, trades, gas fees, and blockchain settlements from their customers' Depasify accounts, eliminating the need to stitch bank feeds and block explorers manually. - **Delegated KYB/KYC Onboarding** — Onboarding and compliance-heavy SaaS products can push identity documents and business verification through Depasify's regulated vault, then provision multi-asset accounts once approved — without owning the compliance stack. - **Enforce Four-Eyes Approvals on High-Value Transfers** — Treasury and spend-control platforms can intercept large outbound fiat or blockchain payments in a pending state and expose approve/reject actions to designated approvers inside their own UI. ## What you can build - **Multi-Asset Balance Dashboard** — Fetch account balances, linked IBANs, and blockchain wallet addresses for a single Depasify account to render a unified fiat + crypto treasury view. - **One-Click Fiat-to-Stablecoin Payroll** — Chain a trade or quote-and-accept flow with bulk blockchain payment creation to convert EUR into USDC and disburse to contractor wallets in a single workflow. - **Rate-Locked FX & Crypto Quoting** — Use market price lookups plus quote creation and acceptance to offer your users guaranteed conversion rates on cross-currency transfers without slippage. - **Dual-Approval Payment Console** — Surface pending fiat and blockchain payments that hit four-eyes policy thresholds and let approvers approve or reject them directly from your product. - **Automated Ledger & Settlement Reconciliation** — Ingest ledger entries, settlements, and downloadable PDF/CSV reports to feed double-entry accounting or audit trails for your customers. - **Embedded Account & KYB Onboarding** — Create Depasify accounts, submit KYB records with file uploads, and run soft KYC on end users — all from within your onboarding flow. ## FAQs ### How do end users authenticate their Depasify account with our product? Truto handles the credential exchange and session management for Depasify on your behalf. Your users authorize once, and Truto issues a connection your backend uses to call any Depasify tool without you storing API keys or managing token rotation. ### Can we create both fiat bank accounts and blockchain wallets under the same customer? Yes. A single Depasify account can be paired with bank accounts (yielding IBAN/BIC) and blockchain wallets (yielding addresses across supported networks), letting you build unified treasury experiences per end user. ### Does the integration support enterprise dual-approval controls? Yes. You can list and read four-eyes policies, detect payments held in an approval-pending state, and call the approve or reject endpoints for both fiat and blockchain payments to complete the workflow inside your app. ### How do we test payment flows without moving real money? Depasify exposes sandbox simulation endpoints for incoming fiat and incoming crypto, so you can exercise deposit, reconciliation, and downstream automation logic end-to-end before going live. ### What data can we sync for accounting and reconciliation? You can list ledgers, settlements, trades, fiat payments, blockchain payments, card payments, and gas fees, and pull downloadable PDF or CSV ledger reports and generated report files for full audit trails. ### Can we lock an FX or crypto conversion rate for our users? Yes. Use the market data price endpoint to display live pricing, create a quote to lock the rate, and call the quote accept endpoint to execute — giving your users a guaranteed rate on conversion. ### How fresh is the data returned by list endpoints? Truto calls Depasify's API in real time on each request, so balances, ledger entries, payment statuses, and identification states reflect Depasify's current state rather than a cached snapshot.