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Paystack Transfers API — send money to bank accounts and mobile wallets. Initiate single and bulk transfers, finalize OTP-verified transfers, list, fetch, and verify transfer status. Use this skill whenever implementing payouts, disbursements, vendor payments, withdrawal flows, or any feature that sends money from your Paystack balance to recipients. Also use when you see references to transfer_code, TRF_ prefixed codes, the /transfer endpoint, or need to handle transfer OTP verification.