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The Payout Kit gives operators regulated fiat rails for moving money between stablecoins and bank accounts. Clients deposit stablecoins to a deposit account and receive fiat at the recipient bank — or deposit fiat and receive stablecoins at a withdrawal address. You manage the full cycle: business onboarding, recipient configuration, account setup, and settlement execution.

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Core Concepts

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Off-ramp and On-ramp

Two directions, same primitives:
  • Off-ramp — stablecoins in, fiat out. Money flows from a withdrawal address to a recipient’s bank account.
  • On-ramp — fiat in, stablecoins out. Money flows from a deposit account (e.g. a CLABE) to a stablecoin wallet.
Both flows use quote → setup → execute as the canonical lifecycle.

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Business Onboarding (KYB)

Before sending or receiving fiat, your workspace must complete KYB. KYB is a one-time setup managed through the Dashboard. Once approved, your workspace can create deposit accounts, withdrawal addresses, and process transfers.

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Recipients (Beneficiaries)

A recipient (beneficiary) is the person or business you want to pay — identified by name, address, and one or more bank accounts. Recipients are managed under /v1/payout/recipients. Recipient lifecycle:
  1. Create the recipient record (name, address, owner type)
  2. Generate an invite link — the recipient submits their bank details via a hosted form
  3. Add the bank account to the recipient (registered with the fiat rails partner)
  4. Recipient is ready to receive payouts

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Withdrawal Addresses (Off-ramp)

A withdrawal address is a crypto address linked to a recipient’s bank account. When stablecoins are sent to this address, the off-ramp transfer to the linked bank is initiated automatically. 
POST /v1/payout/offramp/withdraw-addresses
The call is idempotent.

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Deposit Accounts (On-ramp)

A deposit account is a permanent fiat account (e.g. a SPEI CLABE in Mexico) tied to a stablecoin wallet. Your client sends fiat to this account and the funds settle to the linked wallet. 
POST /v1/payout/onramp/deposit-accounts
The call is idempotent.

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Quotes and Settlement

Before executing a transfer, get a quote to see the rate and fees. Then execute to trigger the actual transfer. 
POST /v1/payout/offramp/quote      — Get stablecoin → fiat rate
POST /v1/payout/onramp/quote       — Get fiat → stablecoin rate
POST /v1/payout/accounts/quote     — Get cross-currency rate (e.g. MXN → USD)
POST /v1/payout/accounts/execute   — Trigger settlement

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Orders

Every transfer is represented as an order in /v1/orders. Unified across rails — list, get, and cancel are the same regardless of direction.

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Endpoint Summary

GroupPrefixPurpose
Accounts/v1/payout/accountsCross-currency quotes and payment execution
On-ramp/v1/payout/onrampFiat → stablecoin: deposit accounts, quotes
Off-ramp/v1/payout/offrampStablecoin → fiat: withdrawal addresses, quotes
Recipients/v1/payout/recipientsBeneficiary CRUD and bank account registration
Orders/v1/ordersUnified order list, status, and cancel

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Integration Overview

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Next Steps

Flow Guide

Execute an end-to-end payout step by step.

Endpoints

Accounts, on/off-ramp, and recipient endpoint reference.