> ## Documentation Index
> Fetch the complete documentation index at: https://developers.kulmipay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# KulmiPay P2P

> Transfer funds between KulmiPay wallets or accounts using the P2P send money provider.

Use KulmiPay P2P when you need to move funds from one KulmiPay wallet/account to another without sending money through M-Pesa or PesaLink.

P2P uses the same Send Money flow: initiate a file, approve it if required, then check status with the returned `tracking_id`.

## Transaction fields

| Field             | Required | Description                                      |
| ----------------- | -------- | ------------------------------------------------ |
| `account`         | Yes      | Recipient KulmiPay account or wallet identifier. |
| `amount`          | Yes      | Amount to transfer.                              |
| `name`            | No       | Recipient name for your records.                 |
| `narrative`       | No       | Payment reason shown in reports.                 |
| `idempotency_key` | No       | Unique key to prevent duplicate transfers.       |

## Initiate a P2P transfer

```bash theme={null}
curl -X POST https://app.kulmipay.com/api/v1/send-money/initiate/ \
  -H "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "KES",
    "provider": "P2P",
    "requires_approval": "YES",
    "transactions": [
      {
        "account": "RECIPIENT_ACCOUNT_ID",
        "amount": "1000",
        "name": "Partner Wallet",
        "narrative": "Internal settlement",
        "idempotency_key": "p2p-settlement-001"
      }
    ]
  }'
```

<Warning>
  Confirm the recipient account identifier before sending. P2P transfers move funds inside KulmiPay and should be treated as final once processed.
</Warning>