> ## Documentation Index > Fetch the complete documentation index at: https://docs.zeam.money/llms.txt > Use this file to discover all available pages before exploring further. # Send a P2P transfer to a beneficiary > Sends a same-asset payment to a registered beneficiary's CRYPTO payment destination, executed asynchronously as a Stellar payment. The recipient receives exactly amount; no fee is charged. Returns 202. ## OpenAPI ````yaml /api-reference/openapi.yaml post /payments/p2p/beneficiary openapi: 3.1.0 info: title: Zeam API Gateway version: 1.0.0 description: > The Zeam API Gateway is the single, REST-based external surface for registered integrators. Every protected request carries a bearer access token (issued by the Zeam Auth Service) and the application secret header `x-zeam-auth`. The gateway verifies the token and resolves the caller's association server-side — you do not need to supply an association id header. Errors use RFC 7807 `application/problem+json`. license: name: Proprietary url: https://zeam.app contact: name: Zeam Platform Team url: https://zeam.app servers: - url: https://api.zeam.money/gw/v1 description: >- Zeam API Gateway. The sandbox and production environments share this base URL; your application's registration determines which one a request runs in. security: - BearerAuth: [] ZeamAuth: [] tags: - name: Auth description: Public token issuance. - name: Wallets description: Association wallets with embedded balances. - name: Assets description: Platform asset registry. - name: Beneficiaries description: Association beneficiaries and their payment destinations. - name: Connectors description: Connector discovery (Connect, surfaced as REST). - name: Quotes description: Off-ramp quotes. - name: Payments description: >- P2P transfers, swaps, and off-ramp cash-outs, plus the compliance reference lookups used when building an off-ramp. - name: Transactions description: Transaction records, the polling and history complement to webhooks. - name: Webhooks description: Association webhook registrations. paths: /payments/p2p/beneficiary: post: tags: - Payments summary: Send a P2P transfer to a beneficiary description: | Sends a same-asset payment to a registered beneficiary's CRYPTO payment destination, executed asynchronously as a Stellar payment. The recipient receives exactly amount; no fee is charged. Returns 202. operationId: createP2PBeneficiaryPayment requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/P2PBeneficiaryRequest' example: idempotencyKey: 9d8c7b6a-5f4e-3d2c-1b0a-9f8e7d6c5b4a transactionId: order-9933 externalReference: order-9933 walletId: 66666666-6666-6666-6666-666666666666 beneficiaryId: 77777777-7777-7777-7777-777777777777 paymentDestinationId: 88888888-8888-8888-8888-888888888888 sendingAssetCode: USDZ amount: 50 responses: '202': description: Payment accepted for asynchronous processing. content: application/json: schema: $ref: '#/components/schemas/PaymentAccepted' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/Forbidden' '422': $ref: '#/components/responses/ValidationError' '502': $ref: '#/components/responses/UpstreamError' '504': $ref: '#/components/responses/UpstreamTimeout' components: schemas: P2PBeneficiaryRequest: type: object required: - idempotencyKey - transactionId - externalReference - walletId - beneficiaryId - paymentDestinationId - sendingAssetCode - amount description: | Same-asset payment to a registered beneficiary's CRYPTO payment destination. destinationWalletId is not accepted here. properties: idempotencyKey: type: string transactionId: type: string externalReference: type: string walletId: type: string format: uuid description: Source wallet. beneficiaryId: type: string format: uuid paymentDestinationId: type: string format: uuid description: The beneficiary's CRYPTO payment destination. sendingAssetCode: type: string description: Asset to send — bare code. Issuer resolved server-side. example: USDZ amount: type: number memo: type: string notifyEmail: type: boolean description: >- Notify the beneficiary by email. Requires a registered email. Mutually exclusive with notifyWhatsApp. notifyWhatsApp: type: boolean description: >- Notify the beneficiary by WhatsApp. Requires a registered mobile. Mutually exclusive with notifyEmail. senderPhoneNumber: type: string PaymentAccepted: type: object required: - transactionRecordId - status description: >- A 202 means the submission was accepted for asynchronous execution, not that it settled. Track completion with the Transactions routes or webhooks. properties: transactionRecordId: type: string format: uuid description: >- The transaction record id, used with GET /v1/transactions/{transactionId}. intentId: type: string description: Downstream intent id, when present. status: type: string description: Submission status; not a terminal transaction status. example: accepted isIdempotent: type: boolean description: >- True when this response replays a prior submission with the same idempotencyKey. message: type: string Problem: type: object required: - type - title - status description: RFC 7807 problem details. properties: type: type: string format: uri example: https://errors.zeam.app/validation-error title: type: string example: Validation Error status: type: integer example: 422 detail: type: string example: The 'amount' field must be a positive decimal. instance: type: string example: /v1/quotes requestId: type: string example: 01J8Z6K3QW9F2 errors: type: array items: type: object properties: field: type: string message: type: string responses: BadRequest: description: Malformed request. content: application/problem+json: schema: $ref: '#/components/schemas/Problem' Unauthorized: description: Missing or invalid authentication. content: application/problem+json: schema: $ref: '#/components/schemas/Problem' Forbidden: description: Authenticated but not permitted. content: application/problem+json: schema: $ref: '#/components/schemas/Problem' ValidationError: description: Request failed validation. content: application/problem+json: schema: $ref: '#/components/schemas/Problem' UpstreamError: description: A downstream service returned an unexpected error. content: application/problem+json: schema: $ref: '#/components/schemas/Problem' UpstreamTimeout: description: A downstream service timed out. content: application/problem+json: schema: $ref: '#/components/schemas/Problem' securitySchemes: BearerAuth: type: http scheme: bearer bearerFormat: JWT description: Access token issued by POST /v1/auth/token. ZeamAuth: type: apiKey in: header name: x-zeam-auth description: >- Application secret (the apiKey issued at registration), validated at the Kong edge. ````