mercury_create_internal_transfer
Transfer funds between your Mercury accounts to rebalance cash, sweep idle deposits, or fund sub-accounts. Settles immediately, no external involvement.
Instructions
Move money between two of your own Mercury accounts (e.g. Checking → Savings). Funds stay inside your organisation.
USE WHEN: rebalancing cash between your own Mercury accounts — sweeping idle deposits to Treasury, funding a sub-account before issuing cards, etc. Both accounts must belong to your workspace.
DO NOT USE: to send money to an external counterparty (use mercury_send_money). To request approval-gated movement, use mercury_request_send_money (different surface, external only).
SIDE EFFECTS: moves real money between two accounts you own. Settles immediately, no approval workflow because no external recipient is involved. Persistent ledger entries on both sides. Idempotent via idempotencyKey — auto-generated if omitted, but pass an explicit one to make retries safe.
RETURNS: { id, amount, status, ... } — the booked transfer.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| note | No | Optional note attached to the transfer | |
| amount | Yes | Amount in USD (>= 0.01) | |
| idempotencyKey | No | Unique key to prevent duplicate transfers. Auto-generated if omitted; pass an explicit one to make retries safe. | |
| sourceAccountId | Yes | Source Mercury account ID | |
| destinationAccountId | Yes | Destination Mercury account ID |