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# API Integration

## Overview

Coinflow's API provides complete control over the payout experience. Use our REST API to build custom payout flows that integrate seamlessly into your application.

## Choose Your Implementation Guide

Select the guide that matches your payout flow:

#### [Merchant Payout from Coinflow Balance](/guides/payouts/implementation-methods/getting-started)

Use this when paying out from Coinflow's managed in-app balance.

**Best for:**

* Simplest merchant payout integration
* Avoiding balance management overhead
* Eliminating network fees

**Requirements:**

* Coinflow in-app balance setup
* Sufficient USDC balance in Coinflow
* User identification via internal IDs

#### Advanced: Crypto-Native Merchants

#### [Merchant Payout from BYO Wallet](/guides/payouts/implementation-methods/getting-started)

Use this when you're paying out from your own crypto wallet (non-Coinflow wallet).

**Best for:**

* Gaming platforms managing player balances
* Marketplaces handling seller payouts
* Rewards programs disbursing earnings

**Requirements:**

* Your own wallet with USDC/EUROe balance
* Ability to sign blockchain transactions
* User identification via internal IDs

#### [Direct User Withdrawal](/guides/payouts/implementation-methods/coinflow-withdraw-component)

Advanced: Platforms where users hold and manage their own balances.

**Requirements:**

* Users have their own crypto wallets
* Users can sign blockchain transactions
* User identification via wallet addresses

---

## Implementation Flow Comparison

#### Advanced: Compare Merchant Balance vs Direct User Withdrawal

| Feature             | Merchant Coinflow Balance | Direct User Withdrawal |
| ------------------- | ------------------------- | ---------------------- |
| Balance Management  | Coinflow managed          | User managed           |
| User Identification | Internal ID               | Wallet address         |
| Transaction Signing | Coinflow handles          | User's wallet          |

#### Advanced: BYO Wallet comparison

| Feature             | Merchant BYO Wallet | Merchant Coinflow Balance | Direct User Withdrawal |
| ------------------- | ------------------- | ------------------------- | ---------------------- |
| Wallet Management   | You manage          | Coinflow manages          | User manages           |
| Gas Fees            | You pay             | None                      | User pays              |
| User Identification | Internal ID         | Internal ID               | Wallet address         |
| Transaction Signing | Your backend        | Coinflow handles          | User's wallet          |
| Balance Management  | Your responsibility | Coinflow managed          | User managed           |

---

## API Endpoints Reference

Once you've reviewed the implementation guide, refer to our API documentation for endpoint details:

### Core Endpoints

* **Create Withdrawer** - Complete KYC/KYB verification
  [API Reference →](/api-reference/api-reference/withdraw/create-kyc)

* **Add Bank Account** - Link user's bank account
  [API Reference →](/api-reference/api-reference/customers/add-bank-account)

* **Tokenize Debit Card** - Add card for push-to-card payouts
  [Learn more →](./debit-card-tokenization)

* **Initiate Withdrawal** - Submit payout request
  [API Reference →](/api-reference/api-reference/merchant/do-payout)

* **Get Withdrawal Status** - Check payout status
  [API Reference →](/api-reference/api-reference/merchant/get-withdrawal)

---

## Next Steps

1. **Select your implementation guide** (above) based on your payout flow
2. **Set up KYC verification** - [KYC Verification Options](/guides/payouts/kyc-verification/what-is-kyc)
3. **Configure bank/card linking** - [Bank Authentication](./bank-authentication-ui) or [Debit Card Tokenization](./debit-card-tokenization)
4. **Review payout scenarios** - [Common Scenarios](/guides/payouts/payout-scenarios/overview)
5. **Test in sandbox** - Use test credentials to validate your integration

## Additional Resources

* [Understand Your Flow of Funds](/guides/payouts/understand-your-flow-of-funds/merchant-payout/overview)
* [Supported Countries & Currencies](/guides/payouts/payout-methods/available-countries)
* [Common Payout Errors](/guides/payouts/beyond-payouts/common-payout-errors)