# Transfers

Transfers are SEPA transfers, including SEPA standard transfers  and SEPA instant transfers.

They can be initiated asynchronously, one by one or in bulk.

They have a similar lifecycle compared to [transactions](#endpoint-transactions)  but note that there are some minor differences for the `canceled`  and `failed` states.

![Transfers lifecycle](https://assets.memo.bank/memobankapi/transfers-lifecycle-api-v3.png "Transfers lifecycle" =750px)



## Operations
- [Initiate a SEPA transfer](https://docs.api.memo.bank/version-1/operation/operation-createtransfer.md)
- [Generate a proof of transfer](https://docs.api.memo.bank/version-1/operation/operation-getproofoftransfer.md)

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