Exchange API credentials for a short-lived Bearer token (~20 minutes). Reuse the same token on every later call.

Register webhooks for key registration, balance credits/debits (static-key payins and auto-sweep), and Money Movement status (R2P QR). Verify every delivery with HMAC-SHA256.

Before creating the encargo Cobre Balance, register the encargo bank account as a counterparty (cp_…). Its id becomes metadata.primary_account — the auto-sweep destination for every credit received on the encargo balance.

When a new encargo fiduciario is created, open a dedicated COP Cobre Balance (pr_col_cobre) and set metadata.primary_account to the encargo bank counterparty — auto-sweep is active from day one. Store the returned acc_… id — it is critical for all later fund operations.

Register the encargo static Bre-B key on the Cobre Balance — the primary payin channel. Creation is asynchronous: do not share the key with payers until cobre_keys.status.registered arrives. The holder object is optional for this use case.

The payer sends funds from any bank app to @fidencargo00123. Bre-B settles in real time and Cobre credits acc_Encargo00123 with a breb_credit transaction — no Money Movement is created. Reconcile on accounts.balance.credit (primary) and cross-check with GET /accounts/{acct_id}/transactions (fallback).

Model A has no Money Movement — reconcile transaction-level on trx id and account_id. Cross-check webhook against GET /accounts/{acct_id}/transactions.

Mapping the webhook payload from an earlier step onto Encargo ledger. No API call is made — this step closes the loop in your own system.

For on-demand QR collections (Model B), register an r2p_breb counterparty with your platform display name (e.g. "Fiduciaria") — reused across encargos. This cp_… is the source_id of the R2P Money Movement.

When a payer needs a QR for a specific amount, POST /money_movements with source_id = platform r2p_breb counterparty, destination_id = encargo balance, metadata.r2p_rail = breb_key, and valid_until for QR expiry. Amount is integer cents (5000000 = COP $50,000). Reuse idempotency on retries — valid 24h.

Model B reconciliation is Money-Movement-level: join on external_id and mm_id. Fallback: GET /money_movements?external_id=encargo_00123.

Mapping the webhook payload from an earlier step onto Encargo ledger. No API call is made — this step closes the loop in your own system.

Option (a): because metadata.primary_account was set at account creation, every credit on acc_Encargo00123 auto-sweeps to cp_Encargo00123Bank. Cobre debits the encargo balance — watch accounts.balance.debit. Use Option (b) schedulers or Option (c) manual payouts when you need batched or on-demand control instead.

Option (b): when encargos do not use instant Primary Account sweep (or you batch at end-of-day), create a Money Movement Scheduler that pulls from multiple encargo Cobre Balances and pays out to the external bank counterparty. Set amount to 0 for full account sweeping. schedule_pattern is a Quartz cron (example: daily at 18:00).

Audit active and historical schedulers. Each triggered run creates a Money Movement — reconcile those on money_movements.status.* webhooks and GET /money_movements.

When the scheduler fires, Cobre creates a Money Movement per source balance with available funds. Match money_movements.status.completed webhooks to your encargo ledger by external_id and mm_id; cross-check accounts.balance.debit on each source balance.

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

Option (c): on-demand transfer from the encargo Cobre Balance to the encargo bank counterparty (cp_…) via Fast Pay / ACH. Use when Primary Account auto-sweep is disabled or you need a specific amount moved outside the scheduler. Reuse idempotency on retries — valid 24h.