Executing a transaction

To demonstrate MagicSpend++, we’ll walk through a simple, real-world EVM transaction: transferring 1.0 USDC on Polygon. This compact example shows the full flow end-to-end—constructing ERC‑20 transfer calldata from the USDC ABI, requesting a canonical userOp hash from the backend, signing that hash with a Turnkey-backed account, producing EIP‑7702 authorization(s), and finally submitting everything to a submit endpoint.

By following this sequence, you’ll see how MagicSpend++ enables chain abstracted execution with minimal friction while keeping the signer experience familiar.

Step 1 — Build ERC‑20 Transfer Transaction Calldata

Viem

import { erc20Abi, encodeFunctionData, parseUnits } from 'viem';

const chainId = 137;
const usdc = '0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174';
const recipient = '0x1111111111111111111111111111111111111111';

// 1. Convert 1.0 USDC to base units (6 decimals)
const amount = parseUnits('1.0', 6);

// 2. Encode transfer(to, amount) calldata
const encodedData = encodeFunctionData({
  abi: erc20Abi,
  functionName: 'transfer',
  args: [recipient, amount],
});

Ethers

import { Interface, parseUnits } from 'ethers';

const chainId = 137;
const usdc = '0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174';
const recipient = '0x1111111111111111111111111111111111111111';

const erc20 = new Interface([
  'function transfer(address to, uint256 amount) returns (bool)'
]);

const amount = parseUnits('1.0', 6); // 1 USDC -> 1_000_000
const encodedData = erc20.encodeFunctionData('transfer', [recipient, amount]);

Step 2 — Build the chain abstracted transaction (with quote type + token addresses)

import axios from 'axios';

const chainId = 137; // Polygon

// Token the user settles in
const settlementToken = 'USDC'; 

// Token the user spends
const spendingTokenAddress = '0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174';

// For a transfer, spending and settlement tokens are both USDC.
// Use 'AMOUNT_OUT' to send an exact recipient amount; 'AMOUNT_IN' to spend an exact input amount.
const quoteType = 'AMOUNT_OUT'; // or 'AMOUNT_IN'
const amount = '1000000'; // Formatted amount (USDC uses 6 decimals)

const { data: transactionData } = await axios.post('https://api.enclave.money/magicspend/build-transaction', {
  chainId,
  transactions: [{
    to: usdc
    
    // encodedData comes from Step 1 (ERC-20 transfer calldata built via viem/ethers)
    data: encodedData
  }],
  quoteType, // 'AMOUNT_OUT' | 'AMOUNT_IN'
  amount, // '1.0' => 1 USDC
  spendingTokenAddress,   // token user spends
  settlementToken // token user settle in (ex. 'USDC' or 'SOL')
}, {
  headers: {
    'Content-Type': 'application/json',
    'Authorization': process.env.ENCLAVE_API_KEY,
  }
});

const { 
  userOpHash, 
  authorizations, 
  settlementPlan, 
  expiryTimestamp, 
  transactionId 
} = transactionData;

Supported Settlement Tokens

Token	Identifier	Supported Networks
USDC	USDC	Ethereum Mainnet, Arbitrum, Base, Optimism, Polygon, Avalanche, Unichain, Binance Smart Chain, World Chain, Solana
SOL	SOL	Solana
ETH	ETH	Ethereum Mainnet, Arbitrum, Base, Optimism, Polygon, Unichain, World Chain

Step 3 - Initialize turnkey and sign the user operation and authorizations

import { Turnkey as TurnkeyServerSDK } from '@turnkey/sdk-server';
import { createAccount } from '@turnkey/viem';
import { createWalletClient, http } from 'viem';
import { polygon } from 'viem/chains';

const turnkeyClient = new TurnkeyServerSDK({
  apiBaseUrl: 'https://api.turnkey.com',
  apiPrivateKey: process.env.NEXT_PUBLIC_ENCLAVE_DELEGATE_API_PRIVATE_KEY!,
  apiPublicKey: process.env.NEXT_PUBLIC_ENCLAVE_DELEGATE_API_PUBLIC_KEY!,
});

const organizationId = 'USER_SUB_ORG_ID';
const userTurnkeyEvmAddress = '0xUserAddress';
const rpcUrl = '<YOUR_RPC_URL>';

const account = await createAccount({
  client: turnkeyClient.apiClient(),
  organizationId,
  signWith: userTurnkeyEvmAddress,
});

const walletClient = createWalletClient({
  account,
  chain: polygon,
  transport: http(rpcUrl),
});

const userOpSignature = await walletClient.signMessage({
  account: walletClient.account,
  message: { raw: userOpHash },
});

Step 4 — Sign EIP‑7702 authorization(s)

// Sign each authorization
const authorizationList = await Promise.all(
  authorizations.map((authorization: { contractAddress, chainId, nonce }) =>
    walletClient.signAuthorization({
      ...authorization,
      account: walletClient.account,
    })
  )
);

Step 5 - Submitting the transaction

// Submitting transaction response
const { data: submitResponse } = await axios.post('https://api.enclave.money/magicspend/submit', {
  transactionId,
  userOpSignature,
  authorizationList,
}, {
  headers: {
    'Content-Type': 'application/json',
    'Authorization': process.env.ENCLAVE_API_KEY,
  }
});

const { txHash, transactionId, status } = submitResponse

Step 6 - Checking the status of the transaction

const { 
    status, 
    failureReason, 
    executedAt, 
    settledAt, 
    targetTransaction, 
    settlementTransactions  
} = await axios.get('https://api.enclave.money/magicspend/tx-status', 
    { params: { transactionId } },
    {
      headers: {
        'Content-Type': 'application/json',
        'Authorization': process.env.ENCLAVE_API_KEY,
    }
});
// Example: { status: 'PENDING' | 'SUBMITTED' | 'TARGET_EXECUTED' | 'SETTLING | 'SETTLEMENT_EXECUTED' | 'EXPIRED' | 'FAILED' }
console.log('Transaction Status:', status);

Status Codes

Status Code	Description
PENDING	Transaction is built but signatures for the transaction have not been submitted yet
SUBMITTED	Transaction has been submitted and the user's desired action will be executed on the target chain
TARGET_EXECUTED	Target chain transaction has been succeefully executed. Settlement of the transaction is now pending.
SETTLING	Settlement transactions on each of the settlement chains have been submitted and pending execution
SETTLEMENT_EXECUTED	Settlement transactions on all settlement chains have been executed
EXPIRED	Transaction was built but was not submitted on time for valid execution
FAILED	Transaction execution failed. This may be due to a reverted transaction on the target or settlement chains.