Step 1 of 13 Configuration API step

Authenticate

Every Cobre API call carries a short-lived Bearer token (valid ~20 minutes). Your backend exchanges its API user credentials for a token and attaches it to every later request.

POST https://api.cobre.co/v1/auth
Headers
Content-Typeapplication/json
Request body
{
"user_id": "cli_psp_co_01",User IDiYour API user identifier issued by Cobre. Format: cli_xxxx.
"secret": "sk_live_9Vf2bQ7mR3"SecretiThe secret from your API key. Treat it like a password.
}
Response 201
{
"access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ",Access TokeniShort-lived bearer token. Attach as Authorization: Bearer on later calls.
"type": "Bearer",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"expiration_time": 1200Expiration TimeiToken lifetime in seconds.
}
Documentation for this step
AuthenticationAuthentication Guide
Step 2 of 13 Configuration API step

Subscribe to Webhook Events

Subscribe to the events that drive the wallet: Cobre Key registration, balance credits (breb_credit deposits to a Cobre Key), and money-movement status (Direct Link deposits and payouts). Event-driven means no polling.

POST https://api.cobre.co/v1/subscriptions
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
Request body
{
"url": "https://wallet.example.com/webhooks/cobre",Notification URLiYour HTTPS endpoint that receives Cobre webhook POSTs.
"description": "Wallet lifecycle",DescriptioniA label to identify this subscription.
"events": [EventsiList of webhook event types this subscription listens to.
"cobre_keys.status.registered",
"accounts.balance.credit",
"accounts.balance.debit",
"money_movements.status.completed",
"money_movements.status.failed",
"money_movements.status.rejected"
],
"event_signature_key": "WHsig_PspDemo_77"Signature KeyiA secret you provide; Cobre HMAC-signs every notification with it so you can verify authenticity.
}
Response 201
{
"id": "sub_PspDemo01",IdiUnique Cobre identifier for this resource.
"url": "https://wallet.example.com/webhooks/cobre",Notification URLiYour HTTPS endpoint that receives Cobre webhook POSTs.
"description": "Wallet lifecycle",DescriptioniA label to identify this subscription.
"events": [EventsiList of webhook event types this subscription listens to.
"cobre_keys.status.registered",
"accounts.balance.credit",
"accounts.balance.debit",
"money_movements.status.completed",
"money_movements.status.failed",
"money_movements.status.rejected"
],
"event_signature_key": "******_77",Signature KeyiA secret you provide; Cobre HMAC-signs every notification with it so you can verify authenticity.
"created_at": "2026-06-26T12:00:00Z"Created AtiTimestamp when the resource was created (ISO 8601, UTC).
}
Documentation for this step
Subscribe to EventsNotifications & Subscriptions
Step 3 of 13 User Onboarding API step

Create the User's Cobre Balance

The platform runs a one-Cobre-Balance-per-user model so each player's funds and history are visible and reconcilable in Cobre. At registration, create a COP Cobre Balance and keep the returned account_id mapped to the user.

POST https://api.cobre.co/v1/accounts
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
Request body
{
"provider_id": "pr_col_cobre",ProvideriThe Colombia Cobre Balance provider.
"action": "create",Actionicreate = open a new Cobre Balance.
"tags": [TagsiCobre field at "tags" in this payload.
"psp_user_12345"
],
"alias": "psp_user_12345"AliasiDisplay name that helps identify it and clarify its purpose.
}
Response 201
{
"id": "acc_PspUser12345",IdiUnique Cobre identifier for this resource.
"provider_id": "pr_col_cobre",ProvideriThe Colombia Cobre Balance provider.
"provider_name": "Cobre Balance Colombia",Provider NameiCobre field at "provider_name" in this payload.
"connectivity": {ConnectivityiConnection/registration status for keys or accounts.
"status": "connected",StatusiLifecycle status object for the resource or movement.
"description": ""DescriptioniHuman-readable label or note.
},
"alias": "psp_user_12345",AliasiDisplay name that helps identify it and clarify its purpose.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"cobre_tag": "@cibaa77012",Cobre TagiCobre Balance tag identifying the destination account.
"available_services": [Available ServicesiCobre field at "metadata.available_services" in this payload.
"account_balance",
"mm_push_from_account",
"account_transactions"
],
"primary_account": ""Primary AccountiCobre field at "metadata.primary_account" in this payload.
},
"account_number": "",Account NumberiBank account or CLABE number for the counterparty.
"account_type": "cobre_balance",Account TypeiCobre field at "account_type" in this payload.
"obtained_balance": 0,Obtained BalanceiCobre field at "obtained_balance" in this payload.
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"tags": [TagsiCobre field at "tags" in this payload.
"psp_user_12345"
],
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"created_at": "2026-06-26T12:05:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T12:05:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
Documentation for this step
Create or Connect an AccountManaging Cobre Balances
Step 4 of 13 User Onboarding API step

Create the User's Cobre Key

Create one personalized Cobre Key (Static Key flow) on the user's Cobre Balance — their always-on deposit identifier. Creation is asynchronous: the response is processing with an empty key_value; the value arrives on the cobre_keys.status.registered webhook.

POST https://api.cobre.co/v1/accounts/acc_PspUser12345/keys
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
Request body
{
"alias": "Player deposit key",AliasiDisplay name that helps identify it and clarify its purpose.
"key_config": "open_input",Key Configiopen_input = a custom alias (5–20 chars). id = derived from the user's ID number.
"open_input": "Player1234",Custom AliasiThe custom Bre-B handle the user will deposit to.
"holder": {HolderiCobre field at "holder" in this payload.
"full_name": "Juliana Restrepo",Holder NameiLegal name of the account holder (the user).
"id_number": "1019123456",Holder IDiThe user's identification number.
"id_type": "cc"ID TypeiIdentification type.
}
}
Response 201
{
"id": "key_Psp8Hd2Qe1Lv",IdiUnique Cobre identifier for this resource.
"key_value": "",Key ValueiBre-B key value (e.g. @merchant123).
"source_id": "acc_PspUser12345",Source IdiCobre id of the source account or counterparty.
"alias": "Player deposit key",AliasiDisplay name that helps identify it and clarify its purpose.
"connectivity": {ConnectivityiConnection/registration status for keys or accounts.
"status": "processing",StatusiLifecycle status object for the resource or movement.
"description": ""DescriptioniHuman-readable label or note.
},
"previous_action": {Previous ActioniCobre field at "previous_action" in this payload.
"action_requested": "create",Action RequestediCobre field at "previous_action.action_requested" in this payload.
"action_code": "",Action CodeiCobre field at "previous_action.action_code" in this payload.
"action_description": ""Action DescriptioniCobre field at "previous_action.action_description" in this payload.
},
"created_at": "2026-06-26T12:06:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T12:06:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
⚡

Webhook delivered

cobre_keys.status.registered

When Bre-B registration completes, Cobre delivers the key's final key_value. Store it mapped to the user and show it as their deposit handle.

Headers
Content-Typeapplication/json
Payload
{
"id": "ev_KeyPspRegistered",IdiUnique Cobre identifier for this resource.
"event_key": "cobre_keys.status.registered",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T12:08:30Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "key_Psp8Hd2Qe1Lv",IdiUnique Cobre identifier for this resource.
"key_value": "@Player1234",Key ValueiBre-B key value (e.g. @merchant123).
"source_id": "acc_PspUser12345",Source IdiCobre id of the source account or counterparty.
"alias": "Player deposit key",AliasiDisplay name that helps identify it and clarify its purpose.
"connectivity": {ConnectivityiConnection/registration status for keys or accounts.
"status": "registered",StatusiLifecycle status object for the resource or movement.
"description": ""DescriptioniHuman-readable label or note.
},
"previous_action": {Previous ActioniCobre field at "content.previous_action" in this payload.
"action_requested": "create",Action RequestediCobre field at "content.previous_action.action_requested" in this payload.
"action_code": "",Action CodeiCobre field at "content.previous_action.action_code" in this payload.
"action_description": ""Action DescriptioniCobre field at "content.previous_action.action_description" in this payload.
},
"created_at": "2026-06-26T12:06:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T12:08:30Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
}
Documentation for this step
Create a KeyCobre Keys with Bre-BStatic Bre-B Keys
Step 5 of 13 Deposits API step

Deposit via Cobre Key

The player sends money from any bank app to their personal Cobre Key @Player1234. Bre-B settles in real time and Cobre credits their Cobre Balance with a breb_credit transaction — there is no Money Movement object. Your backend reads it from GET /accounts/{id}/transactions and from the accounts.balance.credit webhook.

GET https://api.cobre.co/v1/accounts/acc_PspUser12345/transactions
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Response 200
{
"total_items": 1,Total ItemsiTotal items matching the query across all pages.
"total_pages": 1,Total PagesiNumber of pages in this result set.
"is_last_page": true,Is Last PageiTrue when this is the final page of results.
"page_items": 1,Page ItemsiNumber of items returned on this page.
"contents": [ContentsiArray of result objects for this page.
{
"id": "trx_PspDep77012",Transaction IDiThe Cobre transaction id — your reconciliation key for Cobre Key deposits (no mm_id exists).
"type": "breb_credit",Transaction typeiCobre Balance transaction type for an incoming Bre-B transfer to a Cobre Key (breb_credit per Cobre Keys docs).
"account_id": "acc_PspUser12345",Account IdiCobre Balance account id affected by the event.
"amount": 5000000,Amount creditediCredited amount in cents. 5000000 = $50,000.00 COP.
"previous_balance": 0,Previous BalanceiCobre field at "contents.0.previous_balance" in this payload.
"current_balance": 5000000,Current BalanceiCobre field at "contents.0.current_balance" in this payload.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"credit_debit_type": "credit",Directionicredit = funds came in.
"transaction_date": "2026-06-26T13:10:21Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC).
"created_at": "2026-06-26T13:10:22Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"sender_account_number": "987654321",Sender Account NumberiMetadata field "sender_account_number" attached to the resource.
"sender_account_type": "ch",Sender Account TypeiMetadata field "sender_account_type" attached to the resource.
"sender_bank_code": "1007",Sender Bank CodeiMetadata field "sender_bank_code" attached to the resource.
"sender_id": "1234567890",Sender IdiMetadata field "sender_id" attached to the resource.
"sender_id_type": "cc",Sender Id TypeiMetadata field "sender_id_type" attached to the resource.
"sender_name": "Juan Perez",Sender NameiMetadata field "sender_name" attached to the resource.
"key_value": "@Player1234",Cobre KeyiThe player's Cobre Key that received the deposit (metadata.key_value in breb_credit notifications).
"description": "Bre-B deposit",DescriptioniHuman-readable label or note.
"mm_external_id": ""Mm External IdiMetadata field "mm_external_id" attached to the resource.
}
}
]
}
⚡

Webhook delivered

accounts.balance.credit

Fires the instant a Bre-B transfer credits the player's Cobre Balance via their Cobre Key. Identify the user by account_id and metadata.key_value, then top up their in-game balance — no Money Movement is involved.

Headers
Content-Typeapplication/json
Payload
{
"id": "ev_PspBalCredit",IdiUnique Cobre identifier for this resource.
"event_key": "accounts.balance.credit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T13:10:22Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "trx_PspDep77012",IdiUnique Cobre identifier for this resource.
"type": "breb_credit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"amount": 5000000,AmountiAmount in cents — the last two digits are decimals.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"date": "2026-06-26T13:10:21Z",DateiTimestamp when the balance transaction was posted (ISO 8601, UTC) — used in accounts.balance.* webhook notifications.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"sender_id_type": "cc",Sender Id TypeiMetadata field "sender_id_type" attached to the resource.
"sender_account_type": "ch",Sender Account TypeiMetadata field "sender_account_type" attached to the resource.
"sender_bank_code": "1007",Sender Bank CodeiMetadata field "sender_bank_code" attached to the resource.
"sender_account_number": "987654321",Sender Account NumberiMetadata field "sender_account_number" attached to the resource.
"description": "Bre-B deposit",DescriptioniHuman-readable label or note.
"sender_name": "Juan Perez",Sender NameiMetadata field "sender_name" attached to the resource.
"mm_external_id": "",Mm External IdiMetadata field "mm_external_id" attached to the resource.
"key_value": "@Player1234",Key ValueiBre-B key value (e.g. @merchant123).
"sender_id": "1234567890"Sender IdiMetadata field "sender_id" attached to the resource.
},
"account_id": "acc_PspUser12345",Account IdiCobre Balance account id affected by the event.
"previous_balance": 0,Previous BalanceiCobre field at "content.previous_balance" in this payload.
"current_balance": 5000000,Current BalanceiCobre field at "content.current_balance" in this payload.
"credit_debit_type": "credit"Credit Debit Typeicredit = funds in; debit = funds out.
}
}
Documentation for this step
Obtain one Account TransactionsStatic Bre-B KeysAccount Balance CreditNotifications & Subscriptions
Step 6 of 13 Deposits Reconciliation

Reconcile the Static-Key Deposit

Static-key deposits have no Money Movement, so reconciliation is transaction-level: the account_id maps to the user, and the transaction id is your canonical reference. No API call — you read the transaction and update your ledger.

Mapping the API response from an earlier step onto Platform Wallet Ledger. No API call is made — this step closes the loop in your own system.

Cobre field & valuePlatform Wallet Ledger field
contents.0.account_id
acc_PspUser12345
 →
user_account_ref
account_id -> user_id via the onboarding mapping.
contents.0.id
trx_PspDep77012
 →
cobre_transaction_id
Canonical reference for Cobre Key deposits (no mm_id).
contents.0.amount
5000000
 →
deposit_amount_cents
contents.0.metadata.key_value
@Player1234
 →
deposit_key_value
Cobre Key that received the deposit — maps to the user's registered key.
contents.0.transaction_date
2026-06-26T13:10:21Z
 →
deposited_at
Step 7 of 13 Deposits API step

Register the Payer for Direct Link

For a web deposit via PSE, register the player as an r2p counterparty (the payer). The email is used for the PSE bank-authentication redirect. Counterparties are reusable across sessions.

POST https://api.cobre.co/v1/counterparties
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
Request body
{
"geo": "col",Geographyicol = Colombia.
"type": "r2p",Typeir2p = Direct Link payer (PSE / Nequi / Bancolombia / Bre-B QR).
"alias": "PSE payer - psp_user_12345",AliasiDisplay name that helps identify it and clarify its purpose.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"counterparty_fullname": "Juliana Restrepo",Full NameiThe payer's full name.
"counterparty_email": "player@example.co",EmailiUsed for the PSE bank authentication redirect; must be valid or the payin fails.
"counterparty_id_type": "cc",ID TypeiIdentification type.
"counterparty_id_number": "5334623427",ID NumberiThe payer's identification number.
"counterparty_phone": "+573123927834"PhoneiPayer phone with country code.
}
}
Response 201
{
"id": "cp_PayerPSE77012",IdiUnique Cobre identifier for this resource.
"geo": "col",Geographyicol = Colombia.
"type": "r2p",Typeir2p = Direct Link payer (PSE / Nequi / Bancolombia / Bre-B QR).
"alias": "PSE payer - psp_user_12345",AliasiDisplay name that helps identify it and clarify its purpose.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"counterparty_email": "player@example.co",EmailiUsed for the PSE bank authentication redirect; must be valid or the payin fails.
"counterparty_fullname": "Juliana Restrepo",Full NameiThe payer's full name.
"counterparty_id_number": "5334623427",ID NumberiThe payer's identification number.
"counterparty_id_type": "cc",ID TypeiIdentification type.
"counterparty_phone": "+573123927834"PhoneiPayer phone with country code.
},
"created_at": "2026-06-26T13:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T13:20:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
Documentation for this step
Create a CounterpartyDirect LinkManaging Counterparties
Step 8 of 13 Deposits API step

Deposit via PSE (Direct Link)

On the player web wallet the player picks PSE and an amount. The platform creates a Direct Link Money Movement (source = the payer counterparty, destination = the player's Cobre Balance) and redirects them to the PSE payment link returned in the response.

POST https://api.cobre.co/v1/money_movements
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
idempotencypsp-dep-PSE-77012-001
Request body
{
"amount": 3000000,Amount (cents)iDeposit amount in cents. 3000000 = $30,000.00 COP.
"source_id": "cp_PayerPSE77012",Source IdiCobre id of the source account or counterparty.
"destination_id": "acc_PspUser12345",Destination IdiCobre id of the destination account or counterparty.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"r2p_rail": "pse",R2p RailiCobre field at "metadata.r2p_rail" in this payload.
"financial_institution_code": "1070",Your bankiThe PSE financial-institution code of the player's bank.
"description_to_payer": "Platform deposit",Description To PayeriCobre field at "metadata.description_to_payer" in this payload.
"description_to_payee": "Platform deposit",Description To PayeeiCobre field at "metadata.description_to_payee" in this payload.
"redirect_url": "https://wallet.example.com/deposit/return"Redirect UrliCobre field at "metadata.redirect_url" in this payload.
},
"external_id": "psp-dep-PSE-77012"External IdiYour own reference echoed by Cobre for reconciliation.
}
Response 201
{
"id": "mm_PseDep77012",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "initiated",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": ""DescriptioniHuman-readable detail for the current status.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"financial_institution_code": "1070",Your bankiThe PSE financial-institution code of the player's bank.
"payment_link": "https://registro.pse.com.co/PSENF/index.html?enc=psp77012",Payment LinkiCobre field at "metadata.payment_link" in this payload.
"description_to_payee": "Platform deposit",Description To PayeeiCobre field at "metadata.description_to_payee" in this payload.
"description_to_payer": "Platform deposit",Description To PayeriCobre field at "metadata.description_to_payer" in this payload.
"r2p_rail": "pse",R2p RailiCobre field at "metadata.r2p_rail" in this payload.
"redirect_url": "https://wallet.example.com/deposit/return"Redirect UrliCobre field at "metadata.redirect_url" in this payload.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-dep-PSE-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"type": "r2p_pse",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "cp_PayerPSE77012",Source IdiCobre id of the source account or counterparty.
"destination_id": "acc_PspUser12345",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 3000000,Amount (cents)iDeposit amount in cents. 3000000 = $30,000.00 COP.
"created_at": "2026-06-26T13:22:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T13:22:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
⚡

Webhook outcomes — Money movement

After the player authenticates at their bank and PSE settles, Cobre delivers this. Credit the player's in-game balance and confirm the deposit by external_id. Cobre also credits the player's Cobre Balance (r2p_credit) — see the Transaction tab.

Handle each terminal state in your webhook listener. Status codes reference the <a href="https://docs.cobre.com/money-movement-statuses-2032280m0" target="_blank" rel="noopener">Money Movement Statuses</a> guide. Cobre Balance transactions are covered in the <b>Transaction</b> tab.

Funds settled successfully. No error code is set (NA in the status guide). Use this webhook to mark the payment as paid in your system.

Event money_movements.status.completed
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_PseDep77012Cmp",IdiUnique Cobre identifier for this resource.
"event_key": "money_movements.status.completed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T13:24:35Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "mm_PseDep77012",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "completed",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": ""DescriptioniHuman-readable label or note.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"financial_institution_code": "1070",Financial Institution CodeiMetadata field "financial_institution_code" attached to the resource.
"payment_link": "https://registro.pse.com.co/PSENF/index.html?enc=psp77012",Payment LinkiMetadata field "payment_link" attached to the resource.
"description_to_payee": "Platform deposit",Description To PayeeiMetadata field "description_to_payee" attached to the resource.
"description_to_payer": "Platform deposit",Description To PayeriMetadata field "description_to_payer" attached to the resource.
"r2p_rail": "pse",R2p RailiMetadata field "r2p_rail" attached to the resource.
"redirect_url": "https://wallet.example.com/deposit/return"Redirect UrliMetadata field "redirect_url" attached to the resource.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-dep-PSE-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"type": "r2p_pse",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "cp_PayerPSE77012",Source IdiCobre id of the source account or counterparty.
"destination_id": "acc_PspUser12345",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 3000000,AmountiAmount in cents — the last two digits are decimals.
"created_at": "2026-06-26T13:22:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T13:24:35Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
}

Cobre or the rail could not process the movement. Inspect status.code and status.description — common failed codes include:

Possible status codes
F001Payment processing failed — please try again.
F002NSF — not sufficient funds in the designated account.
F003R2P payment link expired (payins).
F004Daily transaction amount limit has been reached.
F005Amount exceeds the maximum allowed transaction limit.
F098Could not process the money movement at this time.
F099Could not process the money movement at this time.
Event money_movements.status.failed
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_PseDep77012Cmp",IdiUnique Cobre identifier for this resource.
"event_key": "money_movements.status.failed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T13:24:35Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "mm_PseDep77012",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "failed",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "F002",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": "NSF — not sufficient funds in the designated account."DescriptioniHuman-readable label or note.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"financial_institution_code": "1070",Financial Institution CodeiMetadata field "financial_institution_code" attached to the resource.
"payment_link": "https://registro.pse.com.co/PSENF/index.html?enc=psp77012",Payment LinkiMetadata field "payment_link" attached to the resource.
"description_to_payee": "Platform deposit",Description To PayeeiMetadata field "description_to_payee" attached to the resource.
"description_to_payer": "Platform deposit",Description To PayeriMetadata field "description_to_payer" attached to the resource.
"r2p_rail": "pse",R2p RailiMetadata field "r2p_rail" attached to the resource.
"redirect_url": "https://wallet.example.com/deposit/return"Redirect UrliMetadata field "redirect_url" attached to the resource.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-dep-PSE-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"type": "r2p_pse",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "cp_PayerPSE77012",Source IdiCobre id of the source account or counterparty.
"destination_id": "acc_PspUser12345",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 3000000,AmountiAmount in cents — the last two digits are decimals.
"created_at": "2026-06-26T13:22:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T13:24:35Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
}

The bank or payment network rejected the transaction. Inspect status.code — common rejected codes include:

Possible status codes
R000Transaction rejected.
R001Inactive or blocked account.
R002Account and identification provided do not coincide.
R005Account does not exist.
R006Invalid account number.
R009Exceeds maximum allowed amount.
R018Payment rejected due to invalid key (payouts).
R023Payment cancelled by the user.
R026Payment rejected due to unavailable bank services.
R034Account closed.
R085Bank processing error (payouts).
Event money_movements.status.rejected
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_PseDep77012Cmp",IdiUnique Cobre identifier for this resource.
"event_key": "money_movements.status.rejected",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T13:24:35Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "mm_PseDep77012",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "rejected",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "R001",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": "Inactive or blocked account."DescriptioniHuman-readable label or note.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"financial_institution_code": "1070",Financial Institution CodeiMetadata field "financial_institution_code" attached to the resource.
"payment_link": "https://registro.pse.com.co/PSENF/index.html?enc=psp77012",Payment LinkiMetadata field "payment_link" attached to the resource.
"description_to_payee": "Platform deposit",Description To PayeeiMetadata field "description_to_payee" attached to the resource.
"description_to_payer": "Platform deposit",Description To PayeriMetadata field "description_to_payer" attached to the resource.
"r2p_rail": "pse",R2p RailiMetadata field "r2p_rail" attached to the resource.
"redirect_url": "https://wallet.example.com/deposit/return"Redirect UrliMetadata field "redirect_url" attached to the resource.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-dep-PSE-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"type": "r2p_pse",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "cp_PayerPSE77012",Source IdiCobre id of the source account or counterparty.
"destination_id": "acc_PspUser12345",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 3000000,AmountiAmount in cents — the last two digits are decimals.
"created_at": "2026-06-26T13:22:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T13:24:35Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
}

When a payin Money Movement completes, Cobre credits the destination Cobre Balance and delivers accounts.balance.credit. Transaction type matches the movement type — see GET /accounts/{id}/transactions OAS examples.

When the payin settles, Cobre credits the destination Cobre Balance.

Event accounts.balance.credit
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_PseDep7701Cr",IdiUnique Cobre identifier for this resource.
"event_key": "accounts.balance.credit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T13:24:35Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "trx_PseDep77012Cr",IdiUnique Cobre identifier for this resource.
"type": "r2p_credit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"account_id": "acc_PspUser12345",Account IdiCobre Balance account id affected by the event.
"amount": 3000000,AmountiAmount in cents — the last two digits are decimals.
"previous_balance": 0,Previous BalanceiCobre field at "content.previous_balance" in this payload.
"current_balance": 3000000,Current BalanceiCobre field at "content.current_balance" in this payload.
"currency": "COP",CurrencyiISO currency code (e.g. cop, mxn).
"credit_debit_type": "credit",Credit Debit Typeicredit = funds in; debit = funds out.
"transaction_date": "2026-06-26T13:24:35Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC).
"created_at": "2026-06-26T13:24:35Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"sender_bank_code": "1070",Sender Bank CodeiMetadata field "sender_bank_code" attached to the resource.
"money_movement_id": "mm_PseDep77012",Money Movement IdiMoney Movement that generated this balance transaction.
"description": "Platform deposit",DescriptioniHuman-readable label or note.
"sender_name": "",Sender NameiMetadata field "sender_name" attached to the resource.
"r2p_method": "pse",R2p MethodiR2P channel for r2p_credit transactions (e.g. pse).
"tracking_key": "",Tracking KeyiBre-B tracking key for the payment.
"sender_id": ""Sender IdiMetadata field "sender_id" attached to the resource.
}
}
}
Documentation for this step
Create a Money MovementDirect LinkMoney Movement Guide
Step 9 of 13 Withdrawals API step

Verify the Withdrawal Bre-B Key

Before paying out, confirm the player's withdrawal Bre-B key belongs to them. The col_key_ownership_1 model checks the key against the holder's ID in Colombia's directory.

POST https://api.cobre.co/v1/account_verifications
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
Request body
{
"model": "col_key_ownership_1",Modelicol_key_ownership_1 = confirm the key belongs to the declared ID.
"verification_request": {Verification RequestiInput fields sent to the verification model.
"key_value": "@PlayerPay99",Bre-B keyiThe player's withdrawal Bre-B key.
"account_holder_id_number": "5334623427"Holder IDiThe player's identification number; must match the key owner.
},
"external_id": "psp-wd-77012-verify"External IDiYour reference for this verification.
}
Response 201
{
"id": "av_Psp77012",IdiUnique Cobre identifier for this resource.
"creator_id": "cli_psp_co_01",Creator IdiCobre field at "creator_id" in this payload.
"model": "col_key_ownership_1",Modelicol_key_ownership_1 = confirm the key belongs to the declared ID.
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"verification_request": {Verification RequestiInput fields sent to the verification model.
"key_value": "@PlayerPay99",Bre-B keyiThe player's withdrawal Bre-B key.
"account_holder_id_number": "5334623427"Holder IDiThe player's identification number; must match the key owner.
},
"verification_response": {Verification ResponseiResult returned by the verification model.
"verification_result": "matched"Verification ResultiCobre field at "verification_response.verification_result" in this payload.
},
"status": {StatusiLifecycle status object for the resource or movement.
"state": "completed",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "-",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": "-"DescriptioniHuman-readable detail for the current status.
},
"external_id": "psp-wd-77012-verify",External IDiYour reference for this verification.
"created_at": "2026-06-26T14:00:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T14:00:02Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
Documentation for this step
Create an Account VerificationAccount Verification Guide
Step 10 of 13 Withdrawals API step

Register the Payout Counterparty

Register the verified Bre-B key as a breb_key counterparty; this is the destination of the withdrawal Money Movement.

POST https://api.cobre.co/v1/counterparties
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
Request body
{
"geo": "col",Geographyicol = Colombia.
"type": "breb_key",Typeibreb_key routes a payout to a Bre-B key.
"alias": "Payout - psp_user_12345",AliasiDisplay name that helps identify it and clarify its purpose.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"key_value": "@PlayerPay99",Bre-B keyiThe verified withdrawal key.
"counterparty_email": "player@example.co"EmailiPlayer email.
}
}
Response 201
{
"id": "cp_Payout77012",IdiUnique Cobre identifier for this resource.
"geo": "col",Geographyicol = Colombia.
"type": "breb_key",Typeibreb_key routes a payout to a Bre-B key.
"alias": "Payout - psp_user_12345",AliasiDisplay name that helps identify it and clarify its purpose.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"key_value": "@PlayerPay99",Bre-B keyiThe verified withdrawal key.
"key_type": "alphanumeric",Key TypeiCobre field at "metadata.key_type" in this payload.
"counterparty_email": "player@example.co"EmailiPlayer email.
},
"created_at": "2026-06-26T14:05:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T14:05:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
Documentation for this step
Create a CounterpartyManaging Counterparties
Step 11 of 13 Withdrawals API step

Withdraw via Bre-B

The player requests a cash-out to their Bre-B key. The platform creates a payout Money Movement from the player's Cobre Balance (checker_approval false — instant withdrawal). For maker–checker payouts, set checker_approval true per the Money Movements Approval guide. Bre-B settles in real time, 24/7.

POST https://api.cobre.co/v1/money_movements
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
idempotencypsp-wd-77012-001
Request body
{
"amount": 2000000,Amount (cents)iWithdrawal amount in cents. 2000000 = $20,000.00 COP.
"source_id": "acc_PspUser12345",Source IdiCobre id of the source account or counterparty.
"destination_id": "cp_Payout77012",Destination IdiCobre id of the destination account or counterparty.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"description": "Platform withdrawal"NoteiDescription carried on the Money Movement.
},
"external_id": "psp-wd-77012"External IdiYour own reference echoed by Cobre for reconciliation.
}
Response 201
{
"id": "mm_Wd77012Lc",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "initiated",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": ""DescriptioniHuman-readable detail for the current status.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"description": "Platform withdrawal"NoteiDescription carried on the Money Movement.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-wd-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint.
"type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "acc_PspUser12345",Source IdiCobre id of the source account or counterparty.
"destination_id": "cp_Payout77012",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 2000000,Amount (cents)iWithdrawal amount in cents. 2000000 = $20,000.00 COP.
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T14:10:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
⚡

Webhook outcomes — Money movement

When the Bre-B payout settles, Cobre delivers this. Debit the player's in-game balance and mark the withdrawal paid by external_id. Funds were locked with a breb_debit during processing — a failed/rejected/canceled payout would post a breb_credit compensation credit (Transaction tab).

Handle each terminal state in your webhook listener. Status codes reference the <a href="https://docs.cobre.com/money-movement-statuses-2032280m0" target="_blank" rel="noopener">Money Movement Statuses</a> guide. Cobre Balance transactions are covered in the <b>Transaction</b> tab.

Funds settled successfully. No error code is set (NA in the status guide). Use this webhook to mark the payment as paid in your system.

Event money_movements.status.completed
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_Wd77012Cmp",IdiUnique Cobre identifier for this resource.
"event_key": "money_movements.status.completed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T14:10:48Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "mm_Wd77012Lc",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "completed",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": ""DescriptioniHuman-readable label or note.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"description": "Platform withdrawal",DescriptioniHuman-readable label or note.
"tracking_key": "77012481001",Tracking KeyiBre-B tracking key for the payment.
"key_value": "@PlayerPay99",Key ValueiBre-B key value (e.g. @merchant123).
"beneficiary_account_number": "@PlayerPay99"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-wd-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint.
"type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "acc_PspUser12345",Source IdiCobre id of the source account or counterparty.
"destination_id": "cp_Payout77012",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 2000000,AmountiAmount in cents — the last two digits are decimals.
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T14:10:48Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
}

Cobre or the rail could not process the movement. Inspect status.code and status.description — common failed codes include:

Possible status codes
F001Payment processing failed — please try again.
F002NSF — not sufficient funds in the designated account.
F003R2P payment link expired (payins).
F004Daily transaction amount limit has been reached.
F005Amount exceeds the maximum allowed transaction limit.
F098Could not process the money movement at this time.
F099Could not process the money movement at this time.
Event money_movements.status.failed
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_Wd77012Cmp",IdiUnique Cobre identifier for this resource.
"event_key": "money_movements.status.failed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T14:10:48Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "mm_Wd77012Lc",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "failed",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "F002",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": "NSF — not sufficient funds in the designated account."DescriptioniHuman-readable label or note.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"description": "Platform withdrawal",DescriptioniHuman-readable label or note.
"tracking_key": "77012481001",Tracking KeyiBre-B tracking key for the payment.
"key_value": "@PlayerPay99",Key ValueiBre-B key value (e.g. @merchant123).
"beneficiary_account_number": "@PlayerPay99"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-wd-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint.
"type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "acc_PspUser12345",Source IdiCobre id of the source account or counterparty.
"destination_id": "cp_Payout77012",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 2000000,AmountiAmount in cents — the last two digits are decimals.
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T14:10:48Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
}

The bank or payment network rejected the transaction. Inspect status.code — common rejected codes include:

Possible status codes
R000Transaction rejected.
R001Inactive or blocked account.
R002Account and identification provided do not coincide.
R005Account does not exist.
R006Invalid account number.
R009Exceeds maximum allowed amount.
R018Payment rejected due to invalid key (payouts).
R023Payment cancelled by the user.
R026Payment rejected due to unavailable bank services.
R034Account closed.
R085Bank processing error (payouts).
Event money_movements.status.rejected
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_Wd77012Cmp",IdiUnique Cobre identifier for this resource.
"event_key": "money_movements.status.rejected",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T14:10:48Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "mm_Wd77012Lc",IdiUnique Cobre identifier for this resource.
"status": {StatusiLifecycle status object for the resource or movement.
"state": "rejected",StateiCurrent lifecycle state (e.g. completed, failed, rejected).
"code": "R001",CodeiProvider or Cobre status code when the state is failed or rejected.
"description": "Inactive or blocked account."DescriptioniHuman-readable label or note.
},
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"description": "Platform withdrawal",DescriptioniHuman-readable label or note.
"tracking_key": "77012481001",Tracking KeyiBre-B tracking key for the payment.
"key_value": "@PlayerPay99",Key ValueiBre-B key value (e.g. @merchant123).
"beneficiary_account_number": "@PlayerPay99"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource.
},
"creator": "cli_psp_co_01",CreatoriAPI client id that created this resource.
"external_id": "psp-wd-77012",External IdiYour own reference echoed by Cobre for reconciliation.
"checker_approval": false,Checker ApprovaliWhen true, Cobre pauses at pending_approval and locks source funds until an approval/denial decision via Money Movement Approvals API.
"mm_approval_id": "",Mm Approval IdiMoney Movement Approval id (mma_…) when checker_approval is true — used for the decision endpoint.
"type": "breb",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico).
"source_id": "acc_PspUser12345",Source IdiCobre id of the source account or counterparty.
"destination_id": "cp_Payout77012",Destination IdiCobre id of the destination account or counterparty.
"currency": "cop",CurrencyiISO currency code (e.g. cop, mxn).
"amount": 2000000,AmountiAmount in cents — the last two digits are decimals.
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"updated_at": "2026-06-26T14:10:48Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).
}
}

Payouts debit the source Cobre Balance while the movement is processing to lock funds. If the movement ends in failed, rejected, or canceled, Cobre posts a compensation credit (breb_credit or col_cb_credit). Payins credit the destination on completion only.

While the movement is in processing, Cobre debits the source Cobre Balance to lock the payout amount. Subscribe to accounts.balance.debit and money_movements.status.processing.

Event accounts.balance.debit
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_Wd77012LcLk",IdiUnique Cobre identifier for this resource.
"event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "trx_Wd77012LcLk",IdiUnique Cobre identifier for this resource.
"type": "breb_debit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"account_id": "acc_PspUser12345",Account IdiCobre Balance account id affected by the event.
"amount": -2000000,AmountiAmount in cents — the last two digits are decimals.
"previous_balance": 7000000,Previous BalanceiCobre field at "content.previous_balance" in this payload.
"current_balance": 5000000,Current BalanceiCobre field at "content.current_balance" in this payload.
"currency": "COP",CurrencyiISO currency code (e.g. cop, mxn).
"credit_debit_type": "debit",Credit Debit Typeicredit = funds in; debit = funds out.
"transaction_date": "2026-06-26T14:10:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC).
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"beneficiary_account_number": "@PlayerPay99",Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource.
"beneficiary_account_type": "ch",Beneficiary Account TypeiMetadata field "beneficiary_account_type" attached to the resource.
"beneficiary_name": "",Beneficiary NameiMetadata field "beneficiary_name" attached to the resource.
"beneficiary_id": "",Beneficiary IdiMetadata field "beneficiary_id" attached to the resource.
"description": "Platform withdrawal",DescriptioniHuman-readable label or note.
"money_movement_id": "mm_Wd77012Lc",Money Movement IdiMoney Movement that generated this balance transaction.
"tracking_key": "77012481001"Tracking KeyiBre-B tracking key for the payment.
}
}
}

On completion the locked funds are sent to the beneficiary. The processing debit remains on the ledger — no compensation credit is posted.

Event accounts.balance.debit
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_Wd77012LcLk",IdiUnique Cobre identifier for this resource.
"event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "trx_Wd77012LcLk",IdiUnique Cobre identifier for this resource.
"type": "breb_debit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"account_id": "acc_PspUser12345",Account IdiCobre Balance account id affected by the event.
"amount": -2000000,AmountiAmount in cents — the last two digits are decimals.
"previous_balance": 7000000,Previous BalanceiCobre field at "content.previous_balance" in this payload.
"current_balance": 5000000,Current BalanceiCobre field at "content.current_balance" in this payload.
"currency": "COP",CurrencyiISO currency code (e.g. cop, mxn).
"credit_debit_type": "debit",Credit Debit Typeicredit = funds in; debit = funds out.
"transaction_date": "2026-06-26T14:10:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC).
"created_at": "2026-06-26T14:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"beneficiary_account_number": "@PlayerPay99",Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource.
"beneficiary_account_type": "ch",Beneficiary Account TypeiMetadata field "beneficiary_account_type" attached to the resource.
"beneficiary_name": "",Beneficiary NameiMetadata field "beneficiary_name" attached to the resource.
"beneficiary_id": "",Beneficiary IdiMetadata field "beneficiary_id" attached to the resource.
"description": "Platform withdrawal",DescriptioniHuman-readable label or note.
"money_movement_id": "mm_Wd77012Lc",Money Movement IdiMoney Movement that generated this balance transaction.
"tracking_key": "77012481001"Tracking KeyiBre-B tracking key for the payment.
}
}
}

If the movement reaches a terminal failed, rejected, or canceled state, Cobre credits the source Cobre Balance to release the lock (breb_credit for Bre-B, col_cb_credit for bank rails).

Event accounts.balance.credit
Headers
Content-Typeapplication/json
Example payload
{
"id": "ev_Wd77012LcCp",IdiUnique Cobre identifier for this resource.
"event_key": "accounts.balance.credit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed).
"created_at": "2026-06-26T14:10:48Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"content": {ContentiEvent-specific payload — same layout as the GET response for that resource.
"id": "trx_Wd77012LcCp",IdiUnique Cobre identifier for this resource.
"type": "breb_credit",TypeiResource or movement type as defined by the Cobre API for this rail/product (e.g. breb_credit for Cobre Key payins).
"account_id": "acc_PspUser12345",Account IdiCobre Balance account id affected by the event.
"amount": 2000000,AmountiAmount in cents — the last two digits are decimals.
"previous_balance": 0,Previous BalanceiCobre field at "content.previous_balance" in this payload.
"current_balance": 2000000,Current BalanceiCobre field at "content.current_balance" in this payload.
"currency": "COP",CurrencyiISO currency code (e.g. cop, mxn).
"credit_debit_type": "credit",Credit Debit Typeicredit = funds in; debit = funds out.
"transaction_date": "2026-06-26T14:10:48Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC).
"created_at": "2026-06-26T14:10:48Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC).
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"description": "Platform withdrawal",DescriptioniHuman-readable label or note.
"money_movement_id": "mm_Wd77012Lc",Money Movement IdiMoney Movement that generated this balance transaction.
"tracking_key": "77012481001"Tracking KeyiBre-B tracking key for the payment.
}
}
}
Documentation for this step
Create a Money MovementMoney Movements ApprovalBre-B PayoutsMoney Movement Statuses
Step 12 of 13 Reconciliation API step

Generate the Cobre Balance Statement

Generate a Cobre Balance Statement for the user's account to reconcile every credit and debit — Cobre Key deposits, Direct Link deposits, and payouts — against your wallet ledger in one file.

POST https://api.cobre.co/v1/reports
Headers
AuthorizationBearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfc3Rha2VfY29fMDEifQ.Qm9wZT3kR7nXcV2aL9pY8wH4tJ1gF6dZ
Content-Typeapplication/json
Request body
{
"resource": "accounts",Resourceiaccounts = account statement.
"layout": "cobre_balance_statements_v1",LayoutiStatement layout.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"account_id": "acc_PspUser12345",AccountiThe user's Cobre Balance.
"statement_date": "2026-06"PeriodiPeriod (YYYY-MM).
}
}
Response 201
{
"id": "repo_Psp77012",IdiUnique Cobre identifier for this resource.
"resource": "accounts",Resourceiaccounts = account statement.
"start_date": "2026-06-01T00:00:00Z",Start DateiCobre field at "start_date" in this payload.
"end_date": "2026-06-30T23:59:59Z",End DateiCobre field at "end_date" in this payload.
"file_name": "2026-06_accounts_repo_Psp77012_acc_PspUser12345",File NameiCobre field at "file_name" in this payload.
"file_format": "pdf",File FormatiCobre field at "file_format" in this payload.
"file_layout": "cobre_balance_statements_v1",File LayoutiCobre field at "file_layout" in this payload.
"metadata": {MetadataiCustom key-value metadata attached to the resource.
"account_id": "acc_PspUser12345",AccountiThe user's Cobre Balance.
"statement_date": "2026-06"PeriodiPeriod (YYYY-MM).
},
"sensitive_data": false,Sensitive DataiCobre field at "sensitive_data" in this payload.
"requested_at": "2026-07-01T00:00:01Z",Requested AtiCobre field at "requested_at" in this payload.
"created_at": "2026-07-01T00:01:00Z"Created AtiTimestamp when the resource was created (ISO 8601, UTC).
}
Documentation for this step
Create a Cobre Balance StatementReports Guide
Step 13 of 13 Reconciliation Reconciliation

Reconcile to the Wallet Ledger

The close: map the statement onto your wallet ledger. Combined with the per-deposit transaction reconciliation and the per-Money-Movement webhooks, every credit and debit is accounted for.

Mapping the Cobre report from an earlier step onto Platform Wallet Ledger. No API call is made — this step closes the loop in your own system.

Cobre field & valuePlatform Wallet Ledger field
id
repo_Psp77012
 →
statement_reference
file_name
2026-06_accounts_repo_Psp77012_acc_PspUser12345
 →
statement_file
metadata.account_id
acc_PspUser12345
 →
wallet_account
account_id -> user_id via the onboarding mapping.
end_date
2026-06-30T23:59:59Z
 →
period_close_date