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Available in version 0.6.0 and later.

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Overview

Blnk allows you to move money from a single source to multiple destinations in one transaction. This provides enhanced flexibility for complex money flows and makes tracking and reconciliation easier.

Multiple sources

Move money from multiple sources to a single destination in one transaction.

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What you’ll learn

  1. How to send to multiple destinations
  2. Distribution types available
  3. How transaction references work

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Example scenario

A customer sends USD 30,000 to three destinations. Here’s how the transaction is structured:

Multiple destinations transaction flow

Balance IDAmount
Alicebln_f2073f6b-905a-4e3e-b5a2-8d1b3dc2fb7f20% (USD 6,000)
Bobbln_64c50fb5-32d5-4f78-9f4a-e8b01aaf025dUSD 10,000
Charliebln_7d98dfe9-5c3e-4c9b-b96a-65f6d9f7b89bRemaining amount (USD 14,000)
Sarah (Sender)bln_92e4b9b6-0b85-4ef4-87a2-682c31500d38Total: USD 30,000
When sending to multiple destinations, you can only send from one source.

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Create multiple destinations transaction

Call the Create Transaction endpoint with these fields:
cURL
curl -X POST http://localhost:5001/transactions \
  -H "Content-Type: application/json" \
  -H "X-Blnk-Key: YOUR_API_KEY" \
  -d '{
    "amount": 30000,
    "precision": 100,
    "reference": "ref_001adcfgf",
    "currency": "USD",
    "source": "bln_92e4b9b6-0b85-4ef4-87a2-682c31500d38",
    "destinations": [
        {
            "identifier": "bln_f2073f6b-905a-4e3e-b5a2-8d1b3dc2fb7f",
            "distribution": "20%"
        },
        {
            "identifier": "bln_64c50fb5-32d5-4f78-9f4a-e8b01aaf025d",
            "distribution": "10000"
        },
        {
            "identifier": "bln_7d98dfe9-5c3e-4c9b-b96a-65f6d9f7b89b",
            "distribution": "left"
        }
    ],
    "description": "Payment from Sarah"
  }'
FieldDescriptionRequiredType
amountTotal amount to be sentYesfloat
precisionConverts amount to lowest unit. See Understanding precisionNoint64
referenceUnique transaction referenceYesstring
currencyAsset class code.Yesstring
sourceSender’s balance IDYesstring
destinationsArray of destination objects with identifier and distribution fieldsYesarray
destinations.identifierBalance ID of the destination accountYesstring
destinations.distributionAmount to send to this destination (specific amount, percentage, or “left”)Yesstring
meta_dataCustom transaction dataNoobject
When sending to multiple destinations, do not include the destination field in your payload. Use the destinations array to group the participating balances in your payload.

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API response structure

When you create a multiple destinations transaction, Blnk creates separate transaction records for each destination. Blnk returns a response containing:
  • A main transaction ID for the overall split transaction. If inflight: true, it can be used to commit or void all transactions at once.
  • A destinations array with individual transaction IDs for each destination.
Response
{
    "precise_amount": 3000000,
    "amount": 30000,
    "rate": 1,
    "precision": 100,
    "overdraft_limit": 0,
    "transaction_id": "txn_0b59f6e-6c4a-4efa-915c-526f77ef61ab",
    "parent_transaction": "",
    "source": "bln_92e4b9b6-0b85-4ef4-87a2-682c31500d38",
    "reference": "ref_001adcfgf",
    "currency": "USD",
    "description": "Payment from Sarah",
    "status": "QUEUED",
    "hash": "8cfdc0f2562ce30c3728ef624dc29fbd0e4207c77df9220df0c699d45de0eef",
    "allow_overdraft": true,
    "inflight": false,
    "skip_queue": false,
    "atomic": false,
    "destinations": [
        {
            "identifier": "bln_f2073f6b-905a-4e3e-b5a2-8d1b3dc2fb7f",
            "distribution": "20%",
            "transaction_id": "txn_59347177-aa7e-d8ad-9f4f-d09628b32ec3"
        },
        {
            "identifier": "bln_64c50fb5-32d5-4f78-9f4a-e8b01aaf025d",
            "distribution": "10000",
            "transaction_id": "txn_7ddc8d4f-3b77-4b7d-a37f-240216ab074c"
        },
        {
            "identifier": "bln_7d98dfe9-5c3e-4c9b-b96a-65f6d9f7b89b",
            "distribution": "left",
            "transaction_id": "txn_5aad04dd-ed53-4f77-9f01-4916d31fac5f"
        }
    ],
    "created_at": "2025-09-18T01:26:30.648049042Z",
    "scheduled_for": "0001-01-01T00:00:00Z",
    "inflight_expiry_date": "0001-01-01T00:00:00Z",
    "meta_data": {
        "QUEUED_PARENT_TRANSACTION": "txn_0b59f6e-6c4a-4efa-915c-526f77ef61ab"
    }
}

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Retrieving child transactions

You can retrieve all transactions in the split by searching for the main transaction ID in the meta_data.QUEUED_PARENT_TRANSACTION field:
cURL
curl -X POST "http://localhost:5001/search/transactions" \
  -H "X-Blnk-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "q": "txn_0b59f6e-6c4a-4efa-915c-526f77ef61ab",
    "query_by": "meta_data.QUEUED_PARENT_TRANSACTION"
  }'
This will return all individual transactions that were created as part of the multiple destinations transaction, allowing you to track and manage the complete set of related transactions.

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Distribution types

You can specify distribution amounts in three ways:
TypeDescriptionExample
Specific amountFixed amount to send"distribution": "10000"
PercentagePercentage of total amount"distribution": "20%"
RemainingLeftover amount after other distributions"distribution": "left"
You can only use "left" once per transaction, and all distributions must sum to the total amount.

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Transaction references

Blnk automatically generates unique references for each transaction record by appending a counter to your original reference (starting from 1). Example: If your reference is ref_001adcfgf, the generated references will be:
  • ref_001adcfgf1 (first destination)
  • ref_001adcfgf2 (second destination)
  • ref_001adcfgf3 (third destination)
This ensures traceability while maintaining connection to the original transaction.

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Need help?

We are very happy to help you make the most of Blnk, regardless of whether it is your first time or you are switching from another tool. To ask questions or discuss issues, please contact us or join our Discord community.
Tip: Connect to Blnk Cloud to see your Core data.You can view your transactions, manage identities, create custom reports, invite other team members to collaborate, and perform operations on your Core — all in one dashboard.Check out Blnk Cloud →