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Augustus exposes money movement as a small set of API resources. Most work identically for fiat and stablecoins. Where a feature is specific to the 2026-05-01 API, it’s marked (2026-05-01); the 2023-01-01 API’s features are grouped under Pay by Bank.

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How the resources fit together

  • API key → scopes → API version. A key belongs to one environment (sandbox or production) and carries the scopes that decide what it may do; the version pins the contract. See Authentication, Scopes, and Versioning.
  • Account Program → Account Holder → Account (2026-05-01). A program sets capabilities and onboarding rules, a holder owns the funds, an account is the balance itself, reachable at one or more financial addresses. Every account sits in this structure: the operating accounts and wallets issued to you as well as the virtual accounts you issue to your customers.
  • Account → Deposit → Return or Payout. Money arrives as a deposit. It leaves as a return (back to the sender of a deposit) or a payout (to a counterparty you chose).
  • Webhook Subscription → Event → Webhook Delivery. Every state change becomes an event; each subscription that matches gets a delivery.
  • Transaction. The booked ledger record behind every deposit, return, and payout; the row you reconcile against.

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Accounts

  • Overview — create, manage, and track accounts at Augustus. Learn more.
  • Balances — hold fiat and stablecoin funds in your Augustus account. Learn more.
  • Operating Accounts (DDA, demand deposit account) — bank account for your own operations and treasury management. Learn more.
  • Virtual Accounts (FBO) — issue accounts for your customers (retail and business) with unique account identifiers, under your Augustus account. Learn more.
  • Account Programs and Account Holders (2026-05-01) — the two objects behind every account: a program is the container that defines what the accounts in it can do and how their holders are onboarded; a holder is the party that owns the funds. Accounts are created for a holder on a program. Learn more.
  • Wallets — use Crypto Wallets to hold, deposit, and payout stablecoins into and from your Augustus account. Learn more.
  • Reports — generate account statements and transaction reports for reconciliation, accounting, and audit. Learn more.

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Transactions

The ledger of every credit and debit on your accounts. A transaction exists only once it is booked; money still in flight is visible on the payout or return it belongs to, never as a transaction. Each one points to the deposit, payout, or return that caused it through source. Learn more.

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Payments

  • Deposits — receive incoming fiat or crypto transfers directly into your accounts. Learn more.
  • Returns — send a deposit back to its original sender: an outbound payment with the same lifecycle as a payout. Learn more.
  • Payouts — send money anywhere: customers, partners, suppliers, or external accounts. Learn more.
  • Counterparties — the bank account or wallet on the other side of a payment. Every payout targets one: save it with POST /v1/counterparties, then pass counterparty_id on the payout. Deposits carry the sender as counterparty_id where the rail delivers the sender’s account details; ACH does not share the originator’s account number, so inbound ACH deposits have no counterparty. Learn more.
  • Rails — how the money travels: ACH, Fedwire, and SWIFT for USD, SEPA for EUR, FPS (Faster Payments) for GBP, and Blockchain for stablecoins. Each page covers timing, limits, and return behavior.

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Conversions

Convert between currencies on demand.
  • Convert between USD and USDC. Learn more.
  • Fiat ↔ fiat for cross-border flows (coming soon).
  • Stablecoin ↔ stablecoin for treasury (coming soon).

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Loans

Credit for institutional clients, secured by assets you already hold. Disbursements credit your USD operating account; repayments are debited from your nominated account. Learn more.
  • Working Capital Loans — committed credit lines against your invoices and incoming payments.
  • Margin Loans — borrow USD against your bitcoin and digital assets.

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Webhooks

Three resources: a webhook subscription names your HTTPS endpoint and the event types it wants; every state change creates an event; each matching subscription receives a webhook delivery, signed, retried on failure, and re-sendable on request. Events and deliveries are retained for 30 days and can be listed through the API. Learn more.

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Rate limits

Each source IP can send up to 10,000 requests per 5-minute window across all endpoints. Requests that exceed this limit return 429 Too Many Requests.

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Pay by Bank (2023-01-01)

  • Instant Bank Transfer — customer-initiated bank checkout over Open Banking: integration, client embedding, Remember Me, statuses, and failure handling. Learn more.
  • Manual Bank Transfer — allow your customers to transfer money from their bank account manually. Learn more.
  • Settlements — how to settle your Operating Account balance to an external account. Learn more.
  • Refunds — refund all or part of an order quickly and reliably. Learn more.
  • Webhooks — the 2023-01-01 event catalog and signing. Learn more.