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  1. Cobre Balances
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      • Colombia
        • PayOut
          • Counterparty | Create Metadata Type CC (CO)
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          • Counterparty | Create Metadata Type CH (CO)
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          • Counterparty | Create Metadata Type DP (CO)
          • Counterparty | Response Metadata Type DP (CO)
          • Counterparty | Create Metadata Type Breb Key (CO)
          • Counterparty | Response Metadata Type Breb Key (CO)
          • Counterparty | Create Metadata Type Cobre Balance (CO)
          • Counterparty | Response Metadata Type Cobre Balance (CO)
        • PayIn
          • Counterparty | Create Metadata Type r2p (CO)
          • Counterparty | Response Metadata Type r2p (CO)
          • Counterparty | Create Metadata Type r2p Breb (CO)
          • Counterparty | Response Metadata Type r2p Breb (CO)
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          • Secondary Counterparty Create Metadata Type NP (CO)
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          • Secondary Counterparty Response Metadata Type LE (CO)
        • Direct Debit
          • Direct Debit Registration | Create
          • Direct Debit Registration | Response
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        • Counterparty | Create Request (CO)
        • Counterparty | Create Response (CO)
      • Mexico
        • PayOut
          • Counterparty | Create Metadata Type Clabe (MX)
          • Counterparty | Response Metadata Type Clabe (MX)
          • Counterparty | Create Metadata Type SPEI Card (MX)
          • Counterparty | Response Metadata Type SPEI Card (MX)
        • Counterparty | Create Request (MX)
        • Counterparty | Create Response (MX)
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        • Counterparty | Create Request (USA)
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        • Response Medatata Individual
      • Counterparty | List All Items
      • MEX Money Movement Return
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        • Transaction | Debit Cross Border
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      • Colombia
        • Debit
          • Transaction | Debit FI (CO) (col_debit)
          • Transaction | Debit Cobre Balance (CO)
          • Transaction | Debit Breb (CO) (breb_debit)
        • Credit
          • Transaction | Credit Direct Debit (CO) (dd_credit)
          • Transaction | Rejected Breb (breb_rejected)
          • Transaction | Credit Top Up (CO) (col_top_up_credit)
          • Transaction | Credit FI (CO) (col_credit)
          • Transaction | Credit Cobre Balance (CO) (col_cb_credit)
          • Transaction | Credit Breb (CO) (breb_credit)
          • Transaction | Credit r2p (r2p_credit)
          • Transaction | Credit r2p Breb (CO) (r2p_breb_credit)
        • Transaction | Connect Obtain (CO)
        • Transaction | Cobre Balance Obtain (CO)
      • Mexico
        • Debit
          • Transaction | Debit FI (MX) (mex_debit)
          • Transaction | Debit SPEI (MX) (spei_debit)
          • Transaction | Debit Internal SPEI (MX)
        • Credit
          • Transaction | Credit FI (MX)
          • Transaction | Credit SPEI (MX)
          • Transaction | Credit Internal SPEI (MX)
        • Transaction | Connect Obtain (MX)
        • Transaction | Cobre Balance Obtain (MX)
        • Transaction | Return SPEI (MX)
      • Transactions | Connect List All Items
      • Transactions | Cobre Balance List All Items
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    • Authentication
      • Authentication | Request
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      • Colombia
        • Cobre Key | Create Request
        • Cobre Key | Create Response
        • Cobre Key | Obtain Response
        • Cobre Key | Reactive Request
    • Money Movements
      • Approvals
        • Money Movement Approvals | Create Request
        • Money Movement Approvals | Create Response
        • Money Movement Approvals | List All Items
      • Mexico
        • PayOut
          • Money Movement | Create Metadata Type SPEI
          • Money Movement | Response Metadata Type SPEI
        • Return
          • Money Movement Return | Create Request
          • Money Movement Return | Response Medatada Type SPEI
          • Money Movement Return | Create Response
      • Colombia
        • PayOut
          • Money Movement | Create Metadata Type Fast Pay
          • Money Movement | Response Metadata Type Fast Pay
          • Money Movement | Create Metadata Type ACH
          • Money Movement | Response Metadata Type ACH
          • Money Movement | Create Metadata Type Breb
          • Money Movement | Response Metadata Type ACH
        • PayIn
          • Money Movement Direct Link | Create Metadata Rail PSE
          • Money Movement Direct Link | Response Metadata Rail PSE
          • Money Movement Direct Link | Response Metadata Rail Bancolombia
          • Money Movement Direct Link | Response Metadata Rail Nequi
          • Money Movement Direct Link | Create Metadata Rail r2p Breb
          • Money Movement Direct Link | Response Metadata Rail r2p Breb
        • Direct Debit
          • Money Movement Direct Debit | Create Metadata
          • Money Movement Direct Debit | Response Metadata
      • Money Movement | Create Response
      • Money Movement | List All Items
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      • Account Verification
        • Mexico
          • Account Verification Create Metadata Type mex_acc_details_1
          • Account Verification Response Metadata Type mex_acc_details_1
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          • Account Verification Create Metadata Type mex_acc_ownership_1
          • Account Verification Response Metadata Type mex_acc_ownership_1
          • Account Verifications List All Items
        • Colombia
          • Account Verification Response Metadata Type col_key_details_1
          • Account Verification Create Metadata Type col_key_details_1
          • Account Verification Create Metadata Type col_key_ownership_1
          • Account Verification Response Metadata Type col_key_ownership_1
      • Account References
        • Account References Request
        • Account Reference Response
        • List all account references
      • Cobre Balances
        • Mexico
          • Cobre Balance | Create Metadata (MX)
          • Cobre Balance | Create Response (MX)
        • Colombia
          • Cobre Balance | Create Metadata (CO)
          • Cobre Balance | Create Response (CO)
        • Global
          • Cobre Balance | Create Metadata (Global)
          • Cobre Balance | Create Response (Global)
        • Cobre Balance | Create Request
        • Cobre Balances | List All Items
        • Account_request_PATCH
        • Account_request_CONNECT_PATCH
      • Daily Balance
        • Daily Balance Obtain Response
        • Daily Balance Historiy List All Items
      • Account Connect
        • Mexico
          • Account Conect | Create Metadata (MX)
          • Account Connect | Response Metadata (MX)
        • Colombia
          • Account Conect | Create Metadata (CO)
          • Account Connect | Response Metadata (CO)
        • Account Connect | Create Request
        • Accounts Connect | List All Items
    • Bulk Money Movement
      • Bulk Money Movement | Obtain Response
      • Bulk Money Movement Decision | Create Request
      • Bulk Money Movements | List All Items
    • Money Movement Scheduler
      • Money Movement Scheduler | Create Request
      • Money Movement Scheduler | Create Response
      • Money Movement Scheduler | List All Items
    • Checkout
      • Colombia
        • Checkout | Create Request
        • Checkout | Create Response
        • Checkout | List All Items
        • Checkout | Delete
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        • Cross Border Money Movement Create Response
        • Cross Border Money Movement Obtain Response
        • Cross Border Money Movements List All Items
      • FX Quote
        • FX Static Quote
          • FX Quote Static | Create Request
          • FX Quote Static | Create Response
        • FX Rolling Quote
          • FX Quote Rolling | Create Request
          • FX Quote Rolling | Create Response
        • FX Quote | Create Request
        • FX Quote | List All Items
        • FX Quote | Metadata Quote Tiers
        • FX Quote | Metadata Penalization Tier
        • FX Quote | Metadata Fees Breakdown
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      • Download
        • Report Download Create Request
        • Report Download Create Response
      • Reports Create Request
      • Reports Create Response
      • Reportes Create Metadata
      • Request Body Reports
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    • Error Model
      • Error-model
    • Report Scheduler
      • Report Schedulers | Create Request
      • Report Schedulers | Create Response
  1. Cobre Balances

Managing Virtual Balance Accounts (Cobre Balances)

The Virtual Balance Accounts (Cobre Balances) APIs provides services to set up, maintain, and manage Virtual Balance accounts. For this purpose a set of different APIs and endpoints will be exposed so that by using the provided services clients can register accounts and obtain all the previously registered accounts and their corresponding information.
A delete endpoint is available so that accounts can be closed from Cobre’s platform for some providers.

Creating Virtual Balance Accounts (Cobre Balances)#

The platform enables the creation of "Virtual Balances" across its operational regions, through the Create a Cobre Balance API. These accounts are fundamental for accessing a range of platform services, depending on the geography. Virtual Balances serve as a versatile asset within the Cobre environment, enhancing financial flexibility.

Virtual Balance Account (Cobre Balance) Providers Catalog#

For effective use of Create a Cobre Balance API, a provider ID is required along with the specification of an action. This ensures the API can accurately process your request.
Only the action create within the accounts API is available for Virtual Balance providers.
Colombia Balances
Mexico Balances
Global Balances
The following list contains all the available Virtual Balance providers in Colombia, along with their available services. These accounts are fundamental for accessing a range of platform services, including faster Payments.
CodeSupplierCreateBalancesTransactionsPayments
pr_col_cobreCobre Balance ColombiaYesYesYesYes

Actions performed on a Virtual Balance#

🔑 Create
🔍 Retrieval
✍️ Update
🪢 Account Linkage
⛓️‍💥 Account Unlinkage
❌ Close
Description: Virtual Balance Account Creation.
What to expect after the action: Virtual Balance in state Created.
📘 Learn more: 🔗 Create a Cobre Balance

Virtual Balance Accounts (Cobre Balance) transactions#

🔍 Retrival
🗂️ Daily Balance History
Description: 🔎 Get all transactions related to all Virtual Balances, or to a specific Virtual Balance. Also get transactions related to a specific Virtual Balance.
What to expect after the action: List of transaction information (i.e. debits and credits) or a specific transaction information.
📘 Learn more:
Obtain all client transactions
Obtain account transactions
Obtain one transaction

How to Get Started#

Before you begin, we recommend having clarity on the preliminary steps required before using this solution.

Before using this API#

1
When creating a Virtual Balance, use the right provider_id according to the region and currency required
Use the right provider based on the region or currency required. See the above section Virtual Balance Providers Catalog for more details.
2
Think on the number of Virtual Balances you need
Decide if having one or multiple Virtual Balances will help you with managing payments information. For instance, it is possible to define one Virtual Balance per Merchant for an E-Commerce Platform so that every merchant related transactions can be tracked independently on each corresponding Virtual Balance.
3
Decide if linking a Primary account makes sense for your use case
Virtual Balances with a Primary Account set, will automatically sweep any credit transaction to that Primary Account. This is useful for Collections use cases where receiving funds in independent Virtual Balances makes sense, but all the funds must be aggregated later in a single Virtual Balance or local account.
See Account Linkeage for more details.
4
Subscribe to transaction notifications
Subscribe to transaction notifications to receive information about:
Transaction credits (e.g., accounts.balance.credit)
Transaction debits (e.g., accounts.balance.debit)
See Notifications & Suscriptions for more details

What to expect after using this API#

1
Start moving money
Send money
to local accounts - see Local Payouts guides in Colombia and Mexico
to other Virtual Balances - use another Virtual Balance as destination
to stablecoin wallets in ETH, Tron, Solana, Polygon, Base, and XRPL from Global Virtual Balances in USD
in bulk operations to local accounts - see Bulk Money Movements guide
in scheduled sweeps from multiple Virtual Balances to a Virtual Balance or to a local account - see Money Movement Scheduler guide
Receive money
from Bre-B, PSE, Nequi, Nequi Direct Debit, and Bancolombia Button in Colombia - see Checkout guide and Direct Link guide
from SPEI with Virtual CLABEs in Mexico - see Virtual CLABEs guide
from stablecoin hot wallets in ETH/Polygon and Tron to USD Global Balances
2
Get Virtual Balances transaction information on demand
Use the Cobre Balance transactions endpoints specified in the corresponding section in this guide to get the debits and credits that affected the Virtual Balance.
3
Track debits and credits on a Virtual Balance Account
Receive the webhook notifications for every credit and debit transaction on a Virtual Balance when there exists an active subscription to accounts.balance.credit and accounts.balance.debit event types.
See Notifications & Suscriptions
4
Assign Bre-B keys to Colombian Virtual Balances
Assign static Bre-B keys that can be shared to receive money in a Virtual Balance.
See Cobre Keys guide
5
Convert between currencies
Convert currencies in real-time to support Cross Border transfer use cases
See Cross Border Payments
Modified at 2026-02-20 18:42:57
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