Fiat Payout API
Integrate fiat payouts from a USDT balance to third-party bank accounts.
The Fiat Payout API lets your organization send fiat currency from its USDT balance to a third-party bank account. A payout is created through a quote-first workflow and processed asynchronously.
Before you begin
Complete Authentication and include the required common parameters in every request.
Fund your partner basic account with sufficient USDT for the payout and applicable fees.
Implement order webhooks or plan to poll the query endpoint for asynchronous status updates.
Integration flow
1. Discover payout capabilities
Use the capabilities endpoints to select a supported country, currency, bank or wallet, and clearing network. Retrieve the required beneficiary fields for the selected route instead of hard-coding them.
2. Create a payout quote
Create a payout quote with the selected route, amount, remittance purpose, and beneficiary details. Store the returned order_no and note the quote expiry time.
3. Create the payout
Create the payout with the valid, unexpired quote order_no. Each quote can be confirmed only once.
4. Track the final status
Query the payout or process order webhooks until the payout reaches a final order status. Do not treat the create response as proof of completion.
Key rules
Capability discovery
Query the support endpoints before quoting because available routes and required fields can vary by country, currency, bank, and amount.
Quote idempotency
Use a unique request_id for each quote request. Its scope includes the common partner_id.
Quote required
Create the payout with the valid, unexpired order_no returned by the quote endpoint. Each quote can be confirmed only once.
Beneficiary type
Use individual_beneficiary for account_type=01 or enterprise_beneficiary for account_type=03.
Dynamic fields
Send fields returned by /supports/fields in the case-sensitive beneficiaryFields object when creating a quote.
Remittance purpose
Use a supported purpose_code and preserve leading zeroes.
Asynchronous status
Creating a payout does not mean it has completed. Use the query API or order webhooks to obtain its final status.
Endpoint reference
For request parameters, response schemas, and endpoint details, see the Fiat Payout API Reference.
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