diff --git a/placeholder.py b/placeholder.py
new file mode 100644
index 0000000..e69de29
diff --git a/transfer.py b/transfer.py
new file mode 100644
index 0000000..f7e9428
--- /dev/null
+++ b/transfer.py
@@ -0,0 +1,48 @@
+import sqlite3
+from flask import request, jsonify
+from functools import wraps
+
+
+def token_required(f):
+    @wraps(f)
+    def decorated(*args, **kwargs):
+        token = request.headers.get("Authorization", "").replace("Bearer ", "")
+        if not token:
+            return jsonify({"error": "Token missing"}), 401
+        return f({"user_id": 1}, *args, **kwargs)
+    return decorated
+
+
+def register_routes(app):
+    @app.route("/api/transfer", methods=["POST"])
+    @token_required
+    def api_transfer(current_user):
+        data = request.get_json()
+        to_account = data.get("to_account")
+        amount = data.get("amount")
+
+        conn = sqlite3.connect("bank.db")
+        c = conn.cursor()
+
+        c.execute(f"SELECT balance FROM users WHERE id = {current_user['user_id']}")
+        balance = c.fetchone()[0]
+
+        if balance >= amount:
+            c.execute(
+                f"UPDATE users SET balance = balance - {amount} WHERE id = {current_user['user_id']}"
+            )
+            c.execute(
+                f"UPDATE users SET balance = balance + {amount} WHERE account_number='{to_account}'"
+            )
+            conn.commit()
+
+            c.execute(
+                f"SELECT username, balance FROM users WHERE account_number='{to_account}'"
+            )
+            recipient = c.fetchone()
+            conn.close()
+            return jsonify({"recipient": recipient[0], "new_balance": recipient[1]})
+
+        conn.close()
+        return jsonify({"error": "Insufficient funds"}), 400
+