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Use the Wise Platform API to send money from your Wise account and create regular payments. This guide is for integrations where you are a direct customer of Wise, using your own profile to manage transfers.

In this implementation, you are not in the flow of funds on behalf of any other party.

## Core concepts 

As a Wise partner, you are a direct customer of Wise and use the API to make payouts from your Wise account.

* As a Wise partner, you are a direct customer of Wise and use the API to make payouts from your Wise account.
* No contact required between Wise and your recipients.
* No need for your recipients to onboard or undergo KYC (Know Your Customer) on Wise.


### Requirements

Before sending money, need to have your own profile to manage all transactions.

## Overview of API requests 

### Complete the Wise developer onboarding process:

You only need to do these things once, and then occasionally manage when needed. You can find guidance for setting up as a developer on Wise platform in the [Getting started guide](/guides/developer).

You will get help from your implementation managers throughout this process.

### Send money

Follow these steps to a transfer using the Wise Platform API:

1. Establish the quote and the recipient. You can do these steps in whichever order makes the most sense for your use case:
  * **Create a Quote**: Send a request to `POST /v3/profiles/{{profileId}}/quotes` to get an authnticated quote for a transfer.
  * **Create a Recipient**: Send a request to `POST /accounts` to add the recipient's bank details.
2. **Create a Transfer**: Send a request to `POST /profiles/{{profileId}}/transfers` to initiate the transfer.
3. **Fund the Transfer**: Send a request to `POST /profiles/{{profileId}}/transfers/{{transferId}}/payments` to complete the transfer.