> ## Documentation Index
> Fetch the complete documentation index at: https://docs.getovra.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Funding

> How EUR enters Ovra and reaches your agents.

Funding is the path that puts EUR into a wallet so an agent can spend it. In sandbox the path is instant; in live mode (v1.3+) it routes via SEPA to your dedicated wallet IBAN.

```text theme={}
SEPA in (live, v1.3+) ┐
                      │
sandbox simulate ─────┴──> wallet.balanceEuros ──> card spend / transfer / collect
```

<Note>
  Sandbox-only today. Use `simulate: true` on every fund call until live mode opens.
</Note>

## Fund a wallet

```bash theme={}
curl -X POST https://api.getovra.com/fund \
  -H "Authorization: Bearer $OVRA_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "walletId": "wal_...",
    "amountEuros": 500,
    "simulate": true
  }'
```

Returns the updated balance, fires `wallet.funded`.

## Funding methods

| Method           | Speed             | Fees | Status      |
| ---------------- | ----------------- | ---- | ----------- |
| Sandbox simulate | Instant           | 0%   | ✓ Available |
| SEPA Instant     | Seconds           | 0%   | v1.3+       |
| Standard SEPA    | 1–2 business days | 0%   | v1.3+       |

## Limits

| Limit                    | Value                   |
| ------------------------ | ----------------------- |
| Minimum per call         | EUR 0.01                |
| Maximum per call         | EUR 100,000             |
| Currency                 | EUR only                |
| Plan-tier monthly volume | See [Pricing](/pricing) |

## Where the dedicated IBAN comes from

Each wallet gets a dedicated IBAN at creation. In sandbox, IBANs are deterministic (`DE89370400440{N}` where N is the sandbox sequence index). In live mode, the IBAN is provisioned through the banking partner during KYC.

## Webhooks

* `wallet.funded` — fund call accepted, balance updated
* `wallet.credited` — inbound credit posted to the wallet

## Plan-tier monthly volume

| Plan       | Volume €/mo | Overage        |
| ---------- | ----------- | -------------- |
| Free       | 150         | 0.5% on excess |
| Starter    | 2,000       | 0.5% on excess |
| Business   | 5,000       | 0.4% on excess |
| Enterprise | Unlimited   | –              |

Soft cap. Funding above your plan limit is allowed but accrues an overage fee on the volume delta.

## Next

<CardGroup cols={2}>
  <Card title="Accounts" icon="wallet" href="/concepts/accounts">
    The wallets funding lands in.
  </Card>

  <Card title="Compliance" icon="scale-balanced" href="/concepts/compliance">
    Where the funds live and who custodies them.
  </Card>

  <Card title="Sandbox" icon="flask" href="/concepts/sandbox">
    What's simulated vs real in v1.2.
  </Card>
</CardGroup>