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“Inbound” refers to a transfer initiated outside Lemma, by a bank, network, or counterparty that isn’t you. An “outbound” transfer, by contrast, is one initiated inside Lemma — either by your application through the API, or by a user acting manually in the Lemma dashboard. This distinction is about who started the transfer, not which direction money moves. Both inbound and outbound transfers can move money in either direction. For example, an ACH transfer is outbound: it was requested through the API or the dashboard, whether it sends money to an external account or pulls money from one (an ACH pull). An inbound ACH transfer is the opposite: the entry originated at another bank, whether it’s a credit sending an entity money or a debit pulling money out of a Lemma account. If you want to find deposits from payers, you want to use the list inbound ACHs endpoint.