> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.coinflow.cash/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server.

# Getting Started with Implementing Payouts

## Choose Your Payout Flow

Before implementing, determine which flow fits your use case:

| Flow Type       | Source of Funds    | Best For                                       |
| --------------- | ------------------ | ---------------------------------------------- |
| Merchant Payout | Merchant's balance | Platforms that manage user balances internally |

#### Advanced: Direct User Withdrawal

| Flow Type              | Source of Funds    | Best For                                                   |
| ---------------------- | ------------------ | ---------------------------------------------------------- |
| Direct User Withdrawal | User's own balance | Platforms where users hold and withdraw their own balances |

**Learn more:** [Understand Your Flow of Funds](/guides/payouts/payout-overview#flow-of-funds-diagrams)

---

## Implementation Steps Overview

Once you've selected a withdrawal flow, follow these high-level steps:

### 1. User Verification (KYC/KYB)

All users must complete identity verification before their first payout. This ensures compliance and prevents fraud.

**Options:**

* [Coinflow's Prebuilt KYC Solution](/guides/payouts/kyc-verification/what-is-kyc) - Fastest integration
* [KYC Attestation](/api-reference/api-reference/withdraw/create-kyc-attested) - Pass your existing KYC data
* [Sumsub Token Sharing](/api-reference/api-reference/withdraw/create-kyc-share-token) - Share Sumsub verification

**Learn more:** [What is KYC?](/guides/payouts/kyc-verification/what-is-kyc)

### 2. Link Payout Destination

Users need to add their bank account or debit card to receive funds.

**For bank payouts:**

* Users authenticate their bank account via Plaid or your preferred provider
* Required for ACH, RTP, SEPA, UK Faster Payments

[Learn how to implement Bank Authentication →](./bank-authentication-ui)

**For card payouts:**

* Users tokenize their debit card for instant push-to-card payouts
* Required to maintain PCI compliance

[Learn how to implement Debit Card Tokenization →](./debit-card-tokenization)

### 3. Select Payout Speed

Choose the right speed for your users' needs:

| Speed    | Delivery Time            | Supported Methods                  |
| -------- | ------------------------ | ---------------------------------- |
| Instant  | Seconds                  | RTP, Push-to-Card, SEPA, UK Faster |
| Same Day | Within 24 business hours | Same-Day ACH                       |
| Standard | 2-3 business days        | Standard ACH                       |

**Learn more:** [Understanding Payout Speeds](/guides/payouts/beyond-payouts/understanding-payout-speeds)

### 4. Initiate Payout

Submit the payout request using your chosen implementation method:

**Implementation Options:**

* [API Integration](./api-integration) - Full control and customization
* [Coinflow Withdraw Component](./coinflow-withdraw-component) - Pre-built UI component

### 5. Monitor Status

Track payout status via webhooks or API polling. You'll receive real-time updates when payouts complete or encounter issues.

---

## Key Concepts

### Payout Destinations

Payout destinations are determined by the country selected during verification:

| Country        | Supported Destinations      | Default Currency |
| :------------- | :-------------------------- | :--------------- |
| United States  | US Bank Account, Debit Card | USD              |
| European Union | European Bank Account       | EUR              |
| United Kingdom | UK Bank Account             | GBP              |
| Brazil         | Brazilian Bank Account      | BRL              |

**View all countries:** [Supported Countries & Currencies](/guides/payouts/payout-methods/available-countries)

### Payout Currency

By default, currency matches the user's verification country:

* US verification → USD payouts
* EU verification → EUR payouts
* UK verification → GBP payouts

In some scenarios, users can select alternative currencies based on their payout method.

### Source of Funds

The account providing funds for the payout:

* **[Coinflow Balance](/guides/payouts/understand-your-flow-of-funds/user-payout/delegated-payout-from-merchant-wallet)** - Managed by Coinflow

#### Advanced: Other Source-of-Funds Options

* **[Merchant BYO Source](/guides/payouts/understand-your-flow-of-funds/merchant-payout/overview)** - Fund payouts from your own treasury account
* **[Direct User Withdrawal](/guides/payouts/understand-your-flow-of-funds/user-payout/delegated-payout-from-user-self-custodial-wallet)** - Payouts originate from the user's own balance

---

## Next Steps

1. **Choose your implementation method:**
   * [API Integration](./api-integration) - For custom implementations
   * [Coinflow Withdraw Component](./coinflow-withdraw-component) - For pre-built UI

2. **Set up user identification:**

   * [Platform-managed user balances](/guides/payouts/understand-your-flow-of-funds/merchant-payout/overview)

   #### Advanced: Direct User Withdrawal

   * [Direct User Withdrawal](/guides/payouts/understand-your-flow-of-funds/user-payout/delegated-payout-from-user-self-custodial-wallet)

3. **Configure KYC verification:**
   * [What is KYC?](/guides/payouts/kyc-verification/what-is-kyc)

4. **Review payout scenarios:**
   * [Payout Scenarios Overview](/guides/payouts/payout-scenarios/overview)