Create a Route | Agora Finance

The endpoints exposed here are currently in Beta! As we continue to build our initial offering, these endpoints may implement breaking changes. Be sure to check back for our change log regularly as a precaution.

Create a persistent source → destination route. The response includes reusable settlement instructions — a wire memo for fiat sources, or one mint or redeem address per supported chain for blockchain sources — that the caller uses to initiate transfers. A single set of instructions is valid indefinitely; every inbound transfer matching them triggers a separate settlement to the route’s destination.

The route topology is determined by from.currency, to.currency, and the destination to.chain. to.accountId references a registered account from GET /v0/accounts.

Fiat routes need the bank account on file first. Add the bank account you’ll send from (mint from usd) or receive into (redeem to usd) before you transact. If a wire arrives from — or a payout is owed to — a bank account Agora hasn’t added and verified, settlement is held and processing is delayed until it’s on file.

Supported topologies

`from.currency`	`to.currency` (+ `to.chain`)	Behavior
`usd`	`ausd` on a chain	Mint: wire USD with the memo, receive AUSD at the destination
`ausd`	`usd` (bank account)	Redeem: send AUSD to the redeem address, receive a USD payout
`stablecoin` (wildcard)	`ausd` on a chain	Mint with stablecoins: send any in-scope stablecoin to the mint address, receive AUSD at the destination. See the `stablecoin` section below for the in-scope asset list.
`ausd`	`usdc` on a chain	Redeem to tokens: send AUSD to the redeem address, receive `usdc`.

What `stablecoin` means

stablecoin is a wildcard source currency standing in for any stablecoin Agora currently accepts — today, only usdc. The mint address a mint-from-stablecoin route returns is currency-agnostic, settling AUSD regardless of which in-scope stablecoin is sent. If you have questions about which currencies can be accepted, reach out to the operations team.

<Callout intent="warning"> The endpoints exposed here are currently in **Beta**! As we continue to build our initial offering, these endpoints may implement breaking changes. Be sure to check back for our change log regularly as a precaution. </Callout> Create a persistent source → destination route. The response includes reusable settlement instructions — a wire memo for fiat sources, or one mint or redeem address per supported chain for blockchain sources — that the caller uses to initiate transfers. A single set of instructions is valid indefinitely; every inbound transfer matching them triggers a separate settlement to the route's destination. The route topology is determined by `from.currency`, `to.currency`, and the destination `to.chain`. `to.accountId` references a registered account from `GET /v0/accounts`. <Callout intent="warning"> **Fiat routes need the bank account on file first.** Add the bank account you'll *send from* (mint from `usd`) or *receive into* (redeem to `usd`) before you transact. If a wire arrives from — or a payout is owed to — a bank account Agora hasn't added and verified, settlement is held and processing is delayed until it's on file. </Callout> ### Supported topologies | `from.currency` | `to.currency` (+ `to.chain`) | Behavior | |---|---|---| | `usd` | `ausd` on a chain | Mint: wire USD with the memo, receive AUSD at the destination | | `ausd` | `usd` (bank account) | Redeem: send AUSD to the redeem address, receive a USD payout | | `stablecoin` (wildcard) | `ausd` on a chain | Mint with stablecoins: send any in-scope stablecoin to the mint address, receive AUSD at the destination. See the `stablecoin` section below for the in-scope asset list. | | `ausd` | `usdc` on a chain | Redeem to tokens: send AUSD to the redeem address, receive `usdc`. | ### What `stablecoin` means `stablecoin` is a wildcard source currency standing in for any stablecoin Agora currently accepts — **today, only `usdc`**. The mint address a mint-from-stablecoin route returns is currency-agnostic, settling AUSD regardless of which in-scope stablecoin is sent. If you have questions about which currencies can be accepted, reach out to the [operations team](mailto:support@agora.finance).

Authentication

AuthorizationBearer

Session JWT from POST /v0/auth/token, sent as Authorization: Bearer <sessionJwt>.

Request

This endpoint expects an object.

fromobjectRequired

toobjectRequired

namestringOptional<=200 characters

Response

idstringformat: "uuid"

Deterministic route UUID — same canonical inputs always derive the same id.

createdAtdatetime

fromobject

toobject

instructionslist of objects

Next-step instructions. Mint-fiat: one wire instruction with memo + beneficiary. On-chain directions: one deposit address per supported chain, alphabetical by chain.

namestring or null

User-set label, or null when unset.

Errors

400

Bad Request Error

401

Unauthorized Error

403

Forbidden Error

404

Not Found Error

409

Conflict Error

429

Too Many Requests Error

500

Internal Server Error

503

Service Unavailable Error

The route topology is determined by from.currency, to.currency, and the destination to.chain. to.accountId references a registered account from GET /v0/accounts.

Supported topologies

`from.currency`	`to.currency` (+ `to.chain`)	Behavior
`usd`	`ausd` on a chain	Mint: wire USD with the memo, receive AUSD at the destination
`ausd`	`usd` (bank account)	Redeem: send AUSD to the redeem address, receive a USD payout
`stablecoin` (wildcard)	`ausd` on a chain	Mint with stablecoins: send any in-scope stablecoin to the mint address, receive AUSD at the destination. See the `stablecoin` section below for the in-scope asset list.
`ausd`	`usdc` on a chain	Redeem to tokens: send AUSD to the redeem address, receive `usdc`.

$	curl -X POST https://api.agora.finance/v0/routes \
>	-H "Authorization: Bearer <token>" \
>	-H "Content-Type: application/json" \
>	-d '{
>	"from": {
>	"currency": "usd"
>	},
>	"to": {
>	"currency": "ausd",
>	"accountId": "7f3a1b2c-3d4e-5f6a-7b8c-9d0e1f2a3b4c",
>	"chain": "ethereum"
>	},
>	"name": "Operating wire → ETH treasury"
>	}'

1	{
2	"id": "5a8e9f12-1b2c-4d3e-9f0a-1b2c3d4e5f6a",
3	"createdAt": "2026-05-13T18:00:00Z",
4	"from": {
5	"currency": "usd"
6	},
7	"to": {
8	"currency": "ausd",
9	"accountId": "7f3a1b2c-3d4e-5f6a-7b8c-9d0e1f2a3b4c",
10	"chain": "ethereum"
11	},
12	"instructions": [
13	{
14	"memo": "eth93e6c8",
15	"beneficiaryName": "Agora Bermuda Limited FBO Customer Funds",
16	"beneficiaryAddress": "Russell Eve Bldg Suite 208, 21 Church Street, Hamilton HM11, Bermuda-BMU",
17	"accountNumber": "8798897",
18	"bankName": "Customers Bank",
19	"bankAddress": "40 General Warren Blvd Suite 200, Malvern PA 19355",
20	"swiftCode": "CUESUS33",
21	"routingNumber": "031302971",
22	"supportedCurrencies": [
23	"usd"
24	]
25	}
26	],
27	"name": "Operating wire → ETH treasury"
28	}

Supported topologies

What stablecoin means

Authentication

Request

Response

Errors

Supported topologies

What stablecoin means

What `stablecoin` means

What `stablecoin` means