Step 1 of 7
Configuration
API step
Authenticate
Every Cobre API call carries a short-lived Bearer token (valid ~20 minutes). Exchange your API user credentials for a token and attach it to every later request.
POST
https://api.cobre.co/v1/auth
Headers
| Content-Type | application/json |
Request body
{ "user_id": "cli_demo_co_01",User IDRequirediYour API user identifier issued by Cobre. Format: cli_xxxx. "secret": "sk_live_2Hg8nP4qR7"SecretRequirediThe secret from your API key. Treat it like a password.}Response 201
{ "access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ",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.}
Step 2 of 7
Configuration
API step
Subscribe to Webhook Events
Subscribe to money-movement status events so your system learns when each Bre-B payout settles or fails — no polling.
POST
https://api.cobre.co/v1/subscriptions
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
Request body
{ "url": "https://yourplatform.co/webhooks/cobre",Notification URLRequirediYour HTTPS endpoint that receives Cobre webhook POSTs. "description": "Payout lifecycle",DescriptioniA label to identify this subscription. "events": [EventsiList of webhook event types this subscription listens to. "money_movements.status.initiated", "money_movements.status.processing", "money_movements.status.completed", "money_movements.status.failed", "money_movements.status.rejected", "accounts.balance.debit" ], "event_signature_key": "WHsig_demo_44"Signature KeyRequirediA secret you provide; Cobre HMAC-signs each notification with it so you can verify authenticity.}Response 201
{ "id": "sub_PayoutDemo1",IdiUnique Cobre identifier for this resource. "url": "https://yourplatform.co/webhooks/cobre",Notification URLRequirediYour HTTPS endpoint that receives Cobre webhook POSTs. "description": "Payout lifecycle",DescriptioniA label to identify this subscription. "events": [EventsiList of webhook event types this subscription listens to. "money_movements.status.initiated", "money_movements.status.processing", "money_movements.status.completed", "money_movements.status.failed", "money_movements.status.rejected", "accounts.balance.debit" ], "event_signature_key": "******_44",Signature KeyRequirediA secret you provide; Cobre HMAC-signs each 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).}
Step 3 of 7
Bre-B Payout
API step
Verify the Beneficiary's Bre-B Key
Best practice before any first payout: confirm the destination Bre-B key belongs to the declared identity. 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
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
Request body
{ "model": "col_key_ownership_1",ModelRequiredicol_key_ownership_1 = confirm the key belongs to the declared ID. "verification_request": {Verification RequestiInput fields sent to the verification model. "key_value": "@AcmeVendor10",Bre-B keyRequirediThe beneficiary's Bre-B key. "account_holder_id_number": "9001234567"Holder IDRequirediThe beneficiary's identification number; must match the key owner. }, "external_id": "verify-vendor-10"External IDiYour reference for this verification.}Response 201
{ "id": "av_PayoutDemo1",IdiUnique Cobre identifier for this resource. "creator_id": "cli_demo_co_01",Creator IdiCobre field at "creator_id" in this payload. "model": "col_key_ownership_1",ModelRequiredicol_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": "@AcmeVendor10",Bre-B keyRequirediThe beneficiary's Bre-B key. "account_holder_id_number": "9001234567"Holder IDRequirediThe beneficiary's identification number; must match the key owner. }, "status": {StatusiLifecycle status object for the resource or movement. "state": "processing",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": "verify-vendor-10",External IDiYour reference for this verification. "created_at": "2026-06-26T12:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:10:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}
Step 4 of 7
Bre-B Payout
API step
Retrieve Beneficiary Key Verification Result
Poll the Account Verification by id until status.state is completed. Continue with the payout only when verification_response.verification_result is matched; route unmatched or failed results to manual review.
GET
https://api.cobre.co/v1/account_verifications/av_PayoutDemo1
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
Response 200
{ "id": "av_PayoutDemo1",Verification IDRequirediThe av_… identifier returned by the create response. "creator_id": "cli_demo_co_01",Creator IdiCobre field at "creator_id" in this payload. "model": "col_key_ownership_1",ModeliVerification model identifier (region- and rail-specific). "geo": "col",GeoiGeography code (e.g. col = Colombia, mex = Mexico). "verification_request": {Verification RequestiInput fields sent to the verification model. "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "account_holder_id_number": "9001234567"Account Holder Id NumberiCobre field at "verification_request.account_holder_id_number" in this payload. }, "status": {StatusiLifecycle status object for the resource or movement. "state": "completed",StatusRequirediMust be completed before creating the counterparty or Money Movement. "code": "",CodeiProvider or Cobre status code when the state is failed or rejected. "description": ""DescriptioniHuman-readable detail for the current status. }, "external_id": "verify-vendor-10",External IdiYour own reference echoed by Cobre for reconciliation. "created_at": "2026-06-26T12:10:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:10:00Z",Updated AtiTimestamp of the last update (ISO 8601, UTC). "verification_response": {Verification ResponseiResult returned by the verification model. "verification_result": "matched"Ownership resultRequiredimatched confirms the key ownership check; unmatched or failed blocks the payout. }}
Step 5 of 7
Bre-B Payout
API step
Create the Bre-B Counterparty
Register the verified Bre-B key as a breb_key counterparty. The counterparty type is what selects the Bre-B rail at payout time.
POST
https://api.cobre.co/v1/counterparties
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
Request body
{ "geo": "col",GeographyRequiredicol = Colombia. "type": "breb_key",TypeRequiredibreb_key routes a payout to a Bre-B key. "alias": "Acme Vendor - Bre-B",AliasiDisplay name that helps identify it and clarify its purpose. "metadata": {MetadataiCustom key-value metadata attached to the resource. "key_value": "@AcmeVendor10",Bre-B keyRequirediThe verified beneficiary key. "counterparty_email": "pagos@acmevendor.co"EmailiBeneficiary email. }}Response 201
{ "id": "cp_BrebVendor10",IdiUnique Cobre identifier for this resource. "geo": "col",GeographyRequiredicol = Colombia. "type": "breb_key",TypeRequiredibreb_key routes a payout to a Bre-B key. "alias": "Acme Vendor - Bre-B",AliasiDisplay name that helps identify it and clarify its purpose. "metadata": {MetadataiCustom key-value metadata attached to the resource. "key_value": "@AcmeVendor10",Bre-B keyRequirediThe verified beneficiary key. "key_type": "alphanumeric",Key TypeiCobre field at "metadata.key_type" in this payload. "counterparty_email": "pagos@acmevendor.co"EmailiBeneficiary email. }, "created_at": "2026-06-26T12:15:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:15:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}
Step 6 of 7
Bre-B Payout
API step
Send the Bre-B Payout
Create a Money Movement from your funding Cobre Balance to the Bre-B counterparty. This demo pays out immediately (checker_approval is false). For maker–checker, set checker_approval to true — see Money Movements Approval and the lender use-case flow. Bre-B settles instantly, 24/7 (max ~$12,110,000 COP per transaction). The response type is 'breb'.
POST
https://api.cobre.co/v1/money_movements
Headers
| Authorization | Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiJjbGlfZGVtb19jb18wMSJ9.Dm3kP9xR2vN7cL4wT8aH1gF6yJ0bZ5eQ |
| Content-Type | application/json |
| idempotency | payout-breb-5567-001 |
Request body
{ "amount": 3000000,Amount (cents)RequirediAmount in cents. 3000000 = $30,000.00 COP. "source_id": "acc_FundingCOP01",Source (funding balance)RequirediYour funding Cobre Balance — money leaves from here. "destination_id": "cp_BrebVendor10",Destination (counterparty)RequirediThe Bre-B counterparty from the previous step. "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B"DescriptionRequirediInformative description (max 40 chars). On Bre-B it is informative only. }, "external_id": "payout-breb-5567"External IDiYour payout reference, echoed in the response and webhook.}Response 201
{ "id": "mm_BrebPay5567",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": "Supplier payout Bre-B"DescriptionRequirediInformative description (max 40 chars). On Bre-B it is informative only. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",External IDiYour payout reference, echoed in the response and webhook. "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_FundingCOP01",Source (funding balance)RequirediYour funding Cobre Balance — money leaves from here. "destination_id": "cp_BrebVendor10",Destination (counterparty)RequirediThe Bre-B counterparty from the previous step. "currency": "cop",CurrencyiISO currency code (e.g. cop, mxn). "amount": 3000000,Amount (cents)RequirediAmount in cents. 3000000 = $30,000.00 COP. "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:00Z"Updated AtiTimestamp of the last update (ISO 8601, UTC).}Webhook outcomes — Money movement
Fires when the Bre-B payout settles (typically seconds). Mark the payout paid by external_id. While processing, Cobre locked funds with a breb_debit — see the Transaction tab. No compensation credit is posted on completion.
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.completedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay5567Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.completed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",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_BrebPay5567",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": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "tracking_key": "55671200901",Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "beneficiary_account_number": "@AcmeVendor10"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",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_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BrebVendor10",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": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:09Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}Cobre or the rail could not process the movement. Inspect status.code and status.description. The list below is filtered to this Money Movement’s direction (payin, payout, or both):
Possible status codes
| Code | Description | Applies to |
|---|---|---|
F001 | Payment processing failed please try again. | Payin and payout |
F002 | NSF - Not Sufficient Funds in the designated account. | Payin and payout |
F004 | Daily transaction amount limit has been reached. | Payin and payout |
F005 | Amount exceeds the maximum allowed transaction limit. | Payin and payout |
F098 | Could not process the money movement at this time. | Payin and payout |
F099 | Could not process the money movement at this time. | Payin and payout |
Event
money_movements.status.failedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay5567Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.failed",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",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_BrebPay5567",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": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "tracking_key": "55671200901",Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "beneficiary_account_number": "@AcmeVendor10"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",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_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BrebVendor10",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": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:09Z"Updated AtiTimestamp of the last update (ISO 8601, UTC). }}The bank or payment network rejected the transaction. Inspect status.code. The list below is filtered to this Money Movement’s direction (payin, payout, or both):
Possible status codes
| Code | Description | Applies to |
|---|---|---|
R000 | Transaction rejected. | Payin and payout |
R001 | Inactive or blocked account. | Payin and payout |
R002 | Account and identification provided do not coincide. | Payin and payout |
R004 | ID not valid. | Payout |
R005 | Account does not exist. | Payin and payout |
R006 | Invalid account number. | Payin and payout |
R009 | Exceeds maximum allowed amount. | Payin and payout |
R010 | Account not authorized to debit. | Payin and payout |
R011 | Invalid Account type. | Payout |
R015 | Account not authorized to be credited. | Payout |
R018 | Payment rejected due invalid key. | Payout |
R023 | Payment cancelled by the user. | Payin and payout |
R024 | Exceeds maximum allowed number of transactions. | Payout |
R025 | Required information missing. | Payout |
R026 | Payment rejected due to unavailable bank services. | Payin and payout |
R027 | Account exceeds the maximum allowed transaction limit. | Payin and payout |
R034 | Account closed. | Payin and payout |
R085 | Bank processing error. | Payout |
Event
money_movements.status.rejectedHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay5567Cmp",IdiUnique Cobre identifier for this resource. "event_key": "money_movements.status.rejected",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",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_BrebPay5567",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": "R018",CodeiProvider or Cobre status code when the state is failed or rejected. "description": "Payment rejected due invalid key."DescriptioniHuman-readable label or note. }, "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "tracking_key": "55671200901",Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). "key_value": "@AcmeVendor10",Key ValueiBre-B key value (e.g. @merchant123). "beneficiary_account_number": "@AcmeVendor10"Beneficiary Account NumberiMetadata field "beneficiary_account_number" attached to the resource. }, "creator": "cli_demo_co_01",CreatoriActor that created the resource. On a Checkout-created Money Movement this is the r2p source counterparty (cp_…), not the API user. "external_id": "payout-breb-5567",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_FundingCOP01",Source IdiCobre id of the source account or counterparty. "destination_id": "cp_BrebVendor10",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": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "updated_at": "2026-06-26T12:20:09Z"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.debitHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay556Lk",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:00Z",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_BrebPay5567Lk",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_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": -3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 8000000,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": "2026-06-26T12:20:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "beneficiary_account_number": "@AcmeVendor10",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": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "money_movement_id": "mm_BrebPay5567",Money Movement IdiMoney Movement that generated this balance transaction. "tracking_key": "55671200901"Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}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.debitHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay556Lk",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.debit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:00Z",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_BrebPay5567Lk",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_FundingCOP01",Account IdiCobre Balance account id affected by the event. "amount": -3000000,AmountiAmount in cents — the last two digits are decimals. "previous_balance": 8000000,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": "2026-06-26T12:20:00Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:20:00Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "beneficiary_account_number": "@AcmeVendor10",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": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "money_movement_id": "mm_BrebPay5567",Money Movement IdiMoney Movement that generated this balance transaction. "tracking_key": "55671200901"Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}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.creditHeaders
| Content-Type | application/json |
Example payload
{ "id": "ev_BrebPay556Cp",IdiUnique Cobre identifier for this resource. "event_key": "accounts.balance.credit",Event KeyiWebhook subscription key (e.g. money_movements.status.completed). "created_at": "2026-06-26T12:20:09Z",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_BrebPay5567Cp",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_FundingCOP01",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": "2026-06-26T12:20:09Z",Transaction DateiTimestamp when the transaction was posted (ISO 8601, UTC). "created_at": "2026-06-26T12:20:09Z",Created AtiTimestamp when the resource was created (ISO 8601, UTC). "metadata": {MetadataiCustom key-value metadata attached to the resource. "description": "Supplier payout Bre-B",DescriptioniHuman-readable label or note. "money_movement_id": "mm_BrebPay5567",Money Movement IdiMoney Movement that generated this balance transaction. "tracking_key": "55671200901"Tracking KeyiNetwork tracking key for the payment (PSE ticket or Bre-B key). } }}Documentation for this step
Create a Money MovementMoney Movements ApprovalBre-B PayoutsMoney Movement Statuses
Step 7 of 7
Bre-B Payout
Reconciliation
Reconcile the Bre-B Payout
Bre-B payouts are Money Movements, so reconciliation keys on mm_id + external_id. No API call — read the completion webhook and close the payout in your ledger.
Mapping the webhook payload from an earlier step onto Your Ledger. No API call is made — this step closes the loop in your own system.
| Cobre field & value | Your Ledger field | |
content.external_id payout-breb-5567 |
→ | payout_reference Your own reference — locates the payout record. |
content.id mm_BrebPay5567 |
→ | cobre_mm_id Canonical Money Movement id. |
content.status.state completed |
→ | payout_status Map completed -> PAID; rejected/failed -> FAILED. |
content.amount 3000000 |
→ | paid_amount_cents |
content.updated_at 2026-06-26T12:20:09Z |
→ | paid_at |