diff --git a/rest-api/javascript/transaction/client-create-transaction/.env.example b/rest-api/javascript/transaction/client-create-transaction/.env.example
new file mode 100644
index 0000000..46ab8e4
--- /dev/null
+++ b/rest-api/javascript/transaction/client-create-transaction/.env.example
@@ -0,0 +1,5 @@
+# Base Url endpoint
+BASE_URL = 'https://api-sandbox.uphold.com'
+
+ACCESS_TOKEN = ''
+DESTINATION_EMAIL_ACCOUNT = 'asdf.asdf@email.com'
diff --git a/rest-api/javascript/transaction/client-create-transaction/.gitignore b/rest-api/javascript/transaction/client-create-transaction/.gitignore
new file mode 100644
index 0000000..2d7ec5c
--- /dev/null
+++ b/rest-api/javascript/transaction/client-create-transaction/.gitignore
@@ -0,0 +1,2 @@
+.env
+node_modules/
diff --git a/rest-api/javascript/transaction/client-create-transaction/README.md b/rest-api/javascript/transaction/client-create-transaction/README.md
new file mode 100644
index 0000000..a918b6c
--- /dev/null
+++ b/rest-api/javascript/transaction/client-create-transaction/README.md
@@ -0,0 +1,40 @@
+# User-to-user transaction
+
+This sample project demonstrates how to perform a transaction from one Uphold user to another,
+with the latter identified by their email address.
+For further background, please refer to the [API documentation](https://uphold.com/en/developer/api/documentation).
+
+## Summary
+
+This sample project performs the following actions:
+
+- Create and commit a transaction
+- Display the data about the transaction
+
+## Requirements
+
+- Node.js v13.14.0 or later
+- An account at <https://sandbox.uphold.com> with at least $1 USD of available funds
+- An access token from that account, to perform authenticated requests to the Uphold API
+  (see the [authentication](../../authentication) examples for how to obtain one)
+
+## Setup
+
+- Run `npm install` (or `yarn install`)
+- Create a `.env` file based on the `.env.example` file, and populate it with the required data.
+
+## Run
+
+Run `node index.js`.
+
+The code will locate a card with nonzero balance in the source account, and prepare a $1 USD transaction
+from that card to the account identified by the email in the `.env` file.
+
+The result will depend on the status of the destination email:
+
+- If it is already associated with an existing Sandbox account, the transaction will be completed immediately
+  and the funds will become available in the recipient's account.
+- If no Sandbox account exists with that email, an "invite"-type transaction will be created,
+  which will be executed when the associated account is created.
+  This invite can be cancelled by the sender while the recipient hasn't registered
+  (which is useful if you use a dummy email address for this).
diff --git a/rest-api/javascript/transaction/client-create-transaction/assets/transaction-scopes.png b/rest-api/javascript/transaction/client-create-transaction/assets/transaction-scopes.png
new file mode 100644
index 0000000..0a69db8
Binary files /dev/null and b/rest-api/javascript/transaction/client-create-transaction/assets/transaction-scopes.png differ
diff --git a/rest-api/javascript/transaction/client-create-transaction/ct-transaction.js b/rest-api/javascript/transaction/client-create-transaction/ct-transaction.js
new file mode 100644
index 0000000..bf68509
--- /dev/null
+++ b/rest-api/javascript/transaction/client-create-transaction/ct-transaction.js
@@ -0,0 +1,74 @@
+/**
+ * Dependencies.
+ */
+
+import axios from "axios";
+import colors from "colors";
+import dotenv from "dotenv";
+import path from "path";
+
+colors.setTheme({
+  silly: "rainbow",
+  input: "grey",
+  verbose: "cyan",
+  prompt: "grey",
+  info: "green",
+  data: "grey",
+  help: "cyan",
+  warn: "yellow",
+  debug: "blue",
+  error: "red",
+});
+
+dotenv.config({ path: path.resolve() + "/.env" });
+
+/**
+ * Create and commit a transaction.
+ */
+
+export async function createAndCommitTransaction(data = {}, myCardID = null) {
+  const options = {
+    method: "POST",
+    headers: {
+      Authorization: `Bearer ${process.env.ACCESS_TOKEN}`,
+      "content-type": "application/json",
+    },
+    data,
+    url: `${process.env.BASE_URL}/v0/me/cards/${myCardID}/transactions?commit=true`,
+  };
+
+  const response = axios(options)
+    .then((response) => {
+      return response.data;
+    })
+    .catch((error) => {
+      error.response.data.errors
+        ? console.log(JSON.stringify(error.response.data.errors, null, 2).error)
+        : console.log(JSON.stringify(error, null, 2).error);
+      throw error;
+    });
+
+  return response;
+}
+
+/**
+ * Get the first card with available balance (if one exists).
+ */
+
+export async function getCardWithFunds() {
+  try {
+    const response = await axios.get(`${process.env.BASE_URL}/v0/me/cards`, {
+      headers: {
+        Authorization: `Bearer ${process.env.ACCESS_TOKEN}`,
+      },
+    });
+
+    // Get the the first card with nonzero available balance
+    return response.data.filter(card => { return Number(card.available) > 0 })[0];
+  } catch (error) {
+    error.response.data.errors
+      ? console.log(JSON.stringify(error.response.data.errors, null, 2).error)
+      : console.log(JSON.stringify(error, null, 2).error);
+    throw error;
+  }
+}
diff --git a/rest-api/javascript/transaction/client-create-transaction/index.js b/rest-api/javascript/transaction/client-create-transaction/index.js
new file mode 100644
index 0000000..a0ea44c
--- /dev/null
+++ b/rest-api/javascript/transaction/client-create-transaction/index.js
@@ -0,0 +1,34 @@
+/**
+ * Dependencies.
+ */
+
+import _ from "lodash";
+import dotenv from "dotenv";
+import path from "path";
+import {
+  createAndCommitTransaction,
+  getCardWithFunds,
+} from "./ct-transaction.js";
+
+dotenv.config({ path: path.resolve() + "/.env" });
+
+(async () => {
+  // Locate a card that can be used as the source for the transaction.
+  const sourceCard = await getCardWithFunds();
+  // Define the destination as an email address.
+  const destination = `${process.env.DESTINATION_EMAIL_ACCOUNT}`;
+
+  const data = {
+    denomination: {
+      amount: "1",
+      currency: "USD",
+    },
+    destination,
+  };
+
+  const transaction = await createAndCommitTransaction(data, sourceCard.id);
+
+  if (transaction) {
+    console.log('Transaction:', transaction);
+  }
+})();
diff --git a/rest-api/javascript/transaction/client-create-transaction/package-lock.json b/rest-api/javascript/transaction/client-create-transaction/package-lock.json
new file mode 100644
index 0000000..b8a2232
--- /dev/null
+++ b/rest-api/javascript/transaction/client-create-transaction/package-lock.json
@@ -0,0 +1,51 @@
+{
+  "name": "uphold-ct",
+  "version": "0.0.1",
+  "lockfileVersion": 1,
+  "requires": true,
+  "dependencies": {
+    "axios": {
+      "version": "0.20.0",
+      "resolved": "https://registry.npmjs.org/axios/-/axios-0.20.0.tgz",
+      "integrity": "sha512-ANA4rr2BDcmmAQLOKft2fufrtuvlqR+cXNNinUmvfeSNCOF98PZL+7M/v1zIdGo7OLjEA9J2gXJL+j4zGsl0bA==",
+      "requires": {
+        "follow-redirects": "^1.10.0"
+      }
+    },
+    "btoa": {
+      "version": "1.2.1",
+      "resolved": "https://registry.npmjs.org/btoa/-/btoa-1.2.1.tgz",
+      "integrity": "sha512-SB4/MIGlsiVkMcHmT+pSmIPoNDoHg+7cMzmt3Uxt628MTz2487DKSqK/fuhFBrkuqrYv5UCEnACpF4dTFNKc/g=="
+    },
+    "colors": {
+      "version": "1.4.0",
+      "resolved": "https://registry.npmjs.org/colors/-/colors-1.4.0.tgz",
+      "integrity": "sha512-a+UqTh4kgZg/SlGvfbzDHpgRu7AAQOmmqRHJnxhRZICKFUT91brVhNNt58CMWU9PsBbv3PDCZUHbVxuDiH2mtA=="
+    },
+    "dotenv": {
+      "version": "8.2.0",
+      "resolved": "https://registry.npmjs.org/dotenv/-/dotenv-8.2.0.tgz",
+      "integrity": "sha512-8sJ78ElpbDJBHNeBzUbUVLsqKdccaa/BXF1uPTw3GrvQTBgrQrtObr2mUrE38vzYd8cEv+m/JBfDLioYcfXoaw=="
+    },
+    "follow-redirects": {
+      "version": "1.13.0",
+      "resolved": "https://registry.npmjs.org/follow-redirects/-/follow-redirects-1.13.0.tgz",
+      "integrity": "sha512-aq6gF1BEKje4a9i9+5jimNFIpq4Q1WiwBToeRK5NvZBd/TRsmW8BsJfOEGkr76TbOyPVD3OVDN910EcUNtRYEA=="
+    },
+    "js-base64": {
+      "version": "3.6.0",
+      "resolved": "https://registry.npmjs.org/js-base64/-/js-base64-3.6.0.tgz",
+      "integrity": "sha512-wVdUBYQeY2gY73RIlPrysvpYx+2vheGo8Y1SNQv/BzHToWpAZzJU7Z6uheKMAe+GLSBig5/Ps2nxg/8tRB73xg=="
+    },
+    "lodash": {
+      "version": "4.17.20",
+      "resolved": "https://registry.npmjs.org/lodash/-/lodash-4.17.20.tgz",
+      "integrity": "sha512-PlhdFcillOINfeV7Ni6oF1TAEayyZBoZ8bcshTHqOYJYlrqzRK5hagpagky5o4HfCzzd1TRkXPMFq6cKk9rGmA=="
+    },
+    "qs": {
+      "version": "6.9.4",
+      "resolved": "https://registry.npmjs.org/qs/-/qs-6.9.4.tgz",
+      "integrity": "sha512-A1kFqHekCTM7cz0udomYUoYNWjBebHm/5wzU/XqrBRBNWectVH0QIiN+NEcZ0Dte5hvzHwbr8+XQmguPhJ6WdQ=="
+    }
+  }
+}
diff --git a/rest-api/javascript/transaction/client-create-transaction/package.json b/rest-api/javascript/transaction/client-create-transaction/package.json
new file mode 100644
index 0000000..df37cb9
--- /dev/null
+++ b/rest-api/javascript/transaction/client-create-transaction/package.json
@@ -0,0 +1,23 @@
+{
+  "name": "uphold-ct",
+  "version": "0.0.1",
+  "description": "Uphold rest Api test client transaction",
+  "license": "MIT",
+  "main": "index.js",
+  "type": "module",
+  "dependencies": {
+    "axios": "^0.20.0",
+    "btoa": "^1.2.1",
+    "colors": "^1.4.0",
+    "dotenv": "^8.2.0",
+    "js-base64": "^3.5.2",
+    "lodash": "^4.17.20",
+    "qs": "^6.9.4"
+  },
+  "engines": {
+    "node": ">=13"
+  },
+  "scripts": {
+    "run": "node index.js "
+  }
+}