> ## Documentation Index
> Fetch the complete documentation index at: https://docs.compasslabs.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# Fund an Account
> Move tokens from the user's wallet into their product account, with the user or your gas sponsor paying for the transaction.
A new product account is empty. Before the user can deposit into a vault, post collateral or buy an asset, move tokens from their wallet into the account with the product's `transfer` endpoint and `action: "DEPOSIT"`.
This works the same way in Earn, Credit and Tokenized Assets. Perpetual Trading doesn't use a product account: you fund it with a [USDC deposit to Hyperliquid](/v2/api-reference/perpetual-trading/deposit-usdc-to-perpetual-trading-account) instead.
| Product | Endpoint |
| - | - |
| Earn | [`POST /v2/earn/transfer`](/v2/api-reference/earn/transfer-tokens-tofrom-account) |
| Credit | [`POST /v2/credit/transfer`](/v2/api-reference/credit/transfer-tokens-tofrom-credit-account) |
| Tokenized Assets | [`POST /v2/tokenized_assets/transfer`](/v2/api-reference/tokenized-assets/transfer-tokens-tofrom-account) |
## Request
Move 100 USDC from the user's wallet into their Earn Account on Base:
```python Python theme={"system"}
import httpx
response = httpx.post(
"https://api.compasslabs.ai/v2/earn/transfer",
json={
"owner": "0xYourWalletAddress",
"chain": "base",
"token": "USDC",
"amount": "100",
"action": "DEPOSIT",
},
headers={"x-api-key": "YOUR_API_KEY"},
)
result = response.json()
# result["transaction"]: unsigned token transfer from the wallet to the account
# The owner signs and sends it
```
```typescript TypeScript theme={"system"}
const response = await fetch(
"https://api.compasslabs.ai/v2/earn/transfer",
{
method: "POST",
headers: {
"Content-Type": "application/json",
"x-api-key": "YOUR_API_KEY",
},
body: JSON.stringify({
owner: "0xYourWalletAddress",
chain: "base",
token: "USDC",
amount: "100",
action: "DEPOSIT",
}),
}
);
const result = await response.json();
// result.transaction: unsigned token transfer from the wallet to the account
// The owner signs and sends it
```
| Field | Description |
| - | - |
| `owner` | The user's wallet. Tokens move from this wallet into the account it owns. |
| `chain` | The chain the account is on. Tokenized Assets defaults to `ethereum`. |
| `token` | A token symbol such as `USDC`, or a token address. |
| `amount` | The amount in token units, not wei: `"100"` means 100 USDC. Send it as a string to keep full precision. |
| `action` | `DEPOSIT` moves tokens into the account. `WITHDRAW` moves them out (see [Withdraw Funds](/v2/account-lifecycle/withdraw-funds)). |
| `gas_sponsorship` | `false` (the default): the user signs and pays gas. `true`: your sponsor wallet pays, see [Sponsored deposits](#sponsored-deposits). |
## Response
With `gas_sponsorship: false`, `transaction` is a standard token transfer from the user's wallet to their account, and `eip_712` is `null`. The user signs and sends the transaction.
```json theme={"system"}
{
"transaction": {
"chainId": "0x2105",
"from": "0xYourWalletAddress",
"to": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"data": "0xa9059cbb...",
"value": "0x0",
"gas": "0xc350",
"nonce": "0x8",
"maxFeePerGas": "0x1c9c380",
"maxPriorityFeePerGas": "0x186a0"
},
"eip_712": null
}
```
Here `to` is the USDC contract on Base, and `data` encodes a transfer of 100 USDC to the account. The API checks the wallet first: if it holds less than `amount`, the call returns `400 Insufficient balance`.
USDC on BNB Smart Chain has 18 decimals instead of 6. Amounts are always in token units, so `"100"` still means 100 USDC there.
## Sponsored deposits
With gas sponsorship, the user only signs messages. Your sponsor wallet sends the transactions and pays the gas. Each token needs a one-time approval first, so that later transfers can be authorized by signature alone.
Call [`POST /v2/gas_sponsorship/approve_transfer`](/v2/api-reference/gas-sponsorship/approve-token-transfer) with `gas_sponsorship: true`. The user signs the returned `eip_712`, and you relay it as in step 3.
```json theme={"system"}
{
"owner": "0xYourWalletAddress",
"chain": "base",
"token": "USDC",
"gas_sponsorship": true
}
```
This works for tokens that support EIP-2612 permits, like USDC. For tokens that don't, such as USDT and WETH, send `gas_sponsorship: false` instead: the user sends the approval transaction and pays its gas. If the allowance is already in place, the call returns `400 Token allowance already set` and you can skip this step.
Call `transfer` with `gas_sponsorship: true` and `spender` set to your sponsor wallet. Instead of a transaction, the response has `eip_712`: a transfer authorization for the user to sign, valid for 30 minutes.
```json theme={"system"}
{
"owner": "0xYourWalletAddress",
"chain": "base",
"token": "USDC",
"amount": "100",
"action": "DEPOSIT",
"gas_sponsorship": true,
"spender": "0xYourSponsorWallet"
}
```
The user signs `eip_712` as EIP-712 typed data (for example with `eth_signTypedData_v4`). Send the signature and the unchanged `eip_712` to [`POST /v2/gas_sponsorship/prepare`](/v2/api-reference/gas-sponsorship/prepare-gas-sponsored-transaction). It returns a transaction for your sponsor wallet to sign and send.
```json theme={"system"}
{
"owner": "0xYourWalletAddress",
"chain": "base",
"product": "earn",
"eip_712": { "...": "the eip_712 object from step 2" },
"signature": "0xUserSignature",
"sender": "0xYourSponsorWallet"
}
```
Two fields have to line up:
* **`sender` in `prepare` must be the `spender` from `transfer`.** The signature only works for the wallet it names.
* **`product` in `prepare` picks the account that receives the tokens:** `earn`, `credit` or `tokenized_assets`. It defaults to `earn`, so a Credit or Tokenized Assets deposit sent without it lands in the user's Earn Account.
If you leave out `spender`, it defaults to the product account itself. That's only for [bundles](/v2/Products/Bundling), where the account pulls the tokens as one step of a larger transaction. Sponsored flows need the owner to be a regular wallet (EOA), since the API checks the signature against the owner's address. See [Gas Sponsorship](/v2/Products/gas-sponsorship) for more.
## Next
Read what the account holds and how it's performing.