Cobre Demo Flow Library
Interactive API walkthroughs
Pick a flow from the menu to preview it, then open the full self-contained demo in your browser. Each flow teaches a Cobre integration end-to-end — auth, API calls, webhooks, and reconciliation.
Generic flows
Colombia
Payouts
Colombia Bulk Payouts
Generic reference flow for paying multiple beneficiaries from a COP Cobre Balance via POST /bulk_money_movements: register a counterparty, upload a multipart JSON file (destination_id + inline destination), track bulk status webhooks, drill into per-line Money Movement webhooks, and reconcile on batch_id.
Colombia Payout Options — Bre-B & Fast Pay
A generic reference flow showing how to pay out from a Cobre Balance in Colombia over the two main rails: Bre-B (instant, to a Bre-B key) and Fast Pay (near real-time, to a bank account, auto-falling back to ACH). Covers auth, webhooks, verification, counterparty creation per rail, the money movement, and reconciliation.
Payins
Colombia Checkout Payin — All Rails
Generic reference flow for hosted Checkout payins in Colombia: register an r2p payer counterparty, create a Checkout link with all supported rails (PSE, Bancolombia, Nequi, Bre-B), redirect the customer to checkout_url, and reconcile on the Money Movement completed webhook using external_id and batch_id (checkout id).
Colombia Direct Debit Payin — Nequi
Generic reference flow for Nequi Direct Debit payins into a COP Cobre Balance: register a dp counterparty (Nequi FI 1507), obtain one-time DDR consent via Nequi push, then collect silently with POST /money_movements (no per-debit payer approval). Reconcile on money_movements.status.completed and dd_credit balance credit.
Colombia Direct Link R2P Payin — Bancolombia
Generic reference flow for collecting funds into a COP Cobre Balance via Direct Link R2P with Bancolombia Botón: register an r2p payer counterparty, create a Money Movement (source = payer, destination = your balance), redirect the customer to metadata.payment_link, and reconcile on the completed webhook and r2p_credit balance transaction.
Colombia Direct Link R2P Payin — Bre-B QR
Generic reference flow for collecting funds into a COP Cobre Balance via Direct Link R2P with a dynamic Bre-B QR: register an r2p payer counterparty, create a Money Movement (source = payer, destination = your balance), render metadata.qr_value as an EMVCo QR for the payer to scan, and reconcile on the completed webhook and r2p_breb_credit balance transaction.
Colombia Direct Link R2P Payin — Nequi
Generic reference flow for collecting funds into a COP Cobre Balance via Direct Link R2P with Nequi push: register an r2p payer counterparty (phone drives the push), create a Money Movement (source = payer, destination = your balance), instruct the customer to accept the Nequi notification within 15 minutes, and reconcile on the completed webhook and r2p_credit balance transaction.
Colombia Direct Link R2P Payin — PSE
Generic reference flow for collecting funds into a COP Cobre Balance via Direct Link R2P: register an r2p payer counterparty, create a Money Movement (source = payer, destination = your balance), redirect the customer to the PSE payment_link, and reconcile on the completed webhook and r2p_credit balance transaction.
Colombia Static Bre-B Key Payin
Generic reference flow for collecting COP into a Cobre Balance via a Static Bre-B Key: register a persistent Cobre Key (POST /accounts/{acct_id}/keys), share the resulting @key_value with payers as a standing collection reference, and reconcile each credit on metadata.key_value — no Money Movement is created; credits land as account transactions.
Mexico
Payins
Mexico CLABE-Backed Payin
Generic reference flow for collecting MXN via a CLABE-Backed Cobre Balance: create a dedicated MXN Cobre Balance (provider pr_mex_cobre3), share its own account_number — an 18-digit CLABE issued to the balance itself — with the payer for a passive SPEI transfer, and reconcile on the spei_credit transaction using metadata.account_reference. No Money Movement is created. Unlike Virtual CLABE (many per-payer references layered on one shared balance), a CLABE-Backed balance carries its own dedicated CLABE — one balance, one CLABE — suited to a single payer or a single collection point.
Mexico Direct Link R2P Payin — SPEI
Generic reference flow for collecting MXN into a single Cobre Balance via Direct Link R2P over SPEI: register an r2p_spei payer counterparty, create a Money Movement (source = payer, destination = your balance), display the dynamically generated CLABE from metadata.virtual_account for the payer to transfer to, and reconcile on the completed webhook and r2p_spei_credit balance transaction.
Mexico Virtual CLABE Payin
Generic reference flow for collecting MXN into a single Cobre Balance via Virtual CLABEs: provision a per-end-user account reference, share the CLABE with the payer for a passive SPEI transfer, and reconcile on the spei_credit transaction using metadata.account_reference — no Money Movement is created.
Use case flows
Colombia
Lending
Colombian Lender — Bre-B Lending Cycle
Teaches a Colombian digital lender the full loan lifecycle on Cobre, framed as the lender's own borrower app: configure auth and webhooks, disburse a loan (verify the borrower's Bre-B key, register the counterparty, pay out with maker-checker), collect repayment via a Bre-B R2P payin, and reconcile against a Cobre Balance Statement.
Colombian Lender — Hybrid Balances & Checkout Repayment
Teaches a Colombian digital microcredit lender the full Cobre integration: one master Cobre Balance for disbursements, one Cobre Balance per borrower for collections, Bre-B/Fast Pay/ACH payouts, Checkout repayments (PSE, Bancolombia, Nequi), static Bre-B Cobre Keys for open-amount payins, Money Movement webhooks for disbursements and Checkout, accounts.balance.credit for static-key payins, and batch reconciliation via reports.
Colombian Lender — Omnibus Disbursement & Checkout
Teaches a Colombian digital lender the Cobre integration on one master Cobre Balance: obtain the portal-created account, subscribe once, verify and disburse over Bre-B or Fast Pay/ACH (penny test on bank accounts), optionally disburse many already-validated loans in one POST /bulk_money_movements, collect installments with hosted Checkout (PSE, Bancolombia, Nequi, Bre-B), and reconcile on external_id = contract + payment (batch_id = chk_… on Checkout, bat_… on bulk).
PSP
Colombia PSP — China Merchant Treasury (COP → USD)
Teaches a Colombian PSP serving China-based merchants to collect COP locally, auto-sweep Payin credits to the Payout balance via account linkage, pay locally, and convert COP to USD on Cross-Border. If the automatic sweep does not occur, move funds manually as described in the Internal Transfer stage.
Colombia PSP — Deposits & Withdrawals
Teaches a Colombian online-gaming platform the full money lifecycle on Cobre, framed as the platform wallet app: onboard each user with a Cobre Balance + personal Cobre Key (Static Key), take deposits to that key (no Money Movement — a breb_credit balance credit) and via Direct Link R2P (PSE), then verify and pay out withdrawals over Bre-B, and reconcile both transaction-level and Money-Movement-level.
Mexico
Lending
Mexican Lender — CLABE Verification & SPEI Disbursement
Teaches a Mexico digital lender to gate loan disbursement on CLABE ownership verification (mex_acc_ownership_1), register the borrower as a CLABE counterparty, and pay approved loan principal from a single MXN Cobre Balance via SPEI — with idempotent payouts, webhooks, and ledger reconciliation on external_id and mm_id.
Mexican Trust-Funded Lender — Dual-Source SPEI Disbursement
Teaches a Mexico consumer lender funded through a fiduciary trust to verify a borrower's CLABE (mex_acc_ownership_1), register CLABE or SPEI Card counterparties, and disburse loan principal via SPEI from either the trust's Cobre Balance or a Connect account linking one of its own bank accounts — with idempotent payouts, webhooks, an on-demand balance check, and ledger reconciliation on external_id and mm_id.
Cross-border
PSP
Cross-Border FX & Stablecoin PSP — Third-Party Payouts (Mexico & Colombia)
Teaches an FX and stablecoin PSP to run third-party payouts across Mexico and Colombia on Cobre: receive and send USDT/USDC through a self-custodian wallet on a USD Global balance, convert USD to MXN/COP (and back) via Cross-Border Money Movements, deliver Mexico payouts from a client-attributed Named Account with an SPEI beneficiary and a linked Virtual CLABE for collections, and pay Colombian beneficiaries over Bre-B or Fast Pay/ACH — with webhooks and end-to-end reconciliation throughout.
Latin America Gaming PSP — Omnibus Treasury
End-to-end demo for a Latin America online gaming PSP using one omnibus Cobre Balance per corridor: Colombia Checkout payins and Fast Pay payouts on COP; Mexico Virtual CLABE SPEI collections on MXN; stablecoin payins credited as USD on Global; MXN→USD and USD→COP cross-border conversions; and fiat-global USDT payouts from the Global balance.