Earlier quoted context omitted.
Can you give an example here of how you think it should work, please. This is one area of REST with which I have a lot of trouble.
One way to approach it would be to have consider deposits, withdrawals, and transfers as subresources of a specific account. So you could POST to "/account/4502278/deposits" to create a new deposit, which would then live at a URL such as "/account/4502278/deposits/87162". And instead of separate subresources for all of these different transaction, it could just be one "transaction" subresource. In the case of closing…
PATCH /users/123
[{ "op": "replace", "path": "/accounts/12345/status", "value": "closed" }]
I personally think that's less readable than the original, but I agree that it seems to more closely fit the REST standard.With the deposit, I don't really understand what's changed here from the original. To me, it just looks like deposit has been pluralised, and everything else is the same:
POST /account/12345/deposits
amount=10