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Used by Notion Linear Loom Mercury Deel
POST /v1/transfers Live 
// Initiate a payment transfer
const response = await ledger.transfers.create({
  amount: 250000,          // $2,500.00 in cents
  currency: "USD",
  destination: "acct_01HXYZ9ABC",
  memo: "Invoice #INV-2024-0031"
});

// Response — 142ms
{
  id:        "txn_01HXd3kMw9P4Z",
  status:    "SETTLED",
  amount:    250000,
  currency: "USD",
  settled_at:"2024-06-18T14:03:27Z",
  latency_ms:142
}