Crypto

Crypto Payouts

Crypto Payouts let you pay a user in cryptocurrency instead of to a bank account, card, or wallet app. Your integration provides the destination wallet address, chain, and token; Coinflow funds the transfer from your Coinflow wallet.

Prerequisites

Before using Crypto Payouts, ensure:

• Crypto payouts are enabled on your merchant account — contact the Coinflow integrations team to enable this feature
• The user (withdrawer) has completed KYC verification
• Your Coinflow wallet holds enough balance to cover the payout amount plus the delivery fee
• You have created a destructive API key (see below)

Create a Destructive API Key

Crypto payouts require a dedicated API key with the destructive role. This key is fully isolated:

• It is the only credential that can initiate crypto payouts — your admin, editor, and viewer keys cannot, and neither can dashboard sessions

Supported Chains & Tokens

Every chain and token is identified by a stable id: chainId is a CAIP-2 chain id (e.g. eip155:8453) and tokenId is the lowercase token symbol (e.g. usdc). These ids are the values your integration passes as the payout destination’s chain and token — they never vary by delivery route, and the same pair always has the same ids.

Retrieve the chains and tokens enabled for your account dynamically:

1
curl https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/crypto/tokens \
2
     -H "Authorization: <apiKey>"

1
{
2
  "chains": [
3
    {
4
      "chainId": "string",
5
      "name": "string",
6
      "logoUrl": "string",
7
      "tokens": [
8
        {
9
          "tokenId": "string",
10
          "symbol": "string",
11
          "name": "string",
12
          "logoUrl": "string"
13
        }
14
      ]
15
    }
16
  ]
17
}

Quote a Crypto Payout

Preview a crypto payout before sending it: the total your Coinflow wallet would be debited, the fee, the USD value the user receives, and the amount of the destination token that will be delivered. Quoting is read-only — nothing moves — and accepts your admin key as well as your destructive key.

1
{
2
  "userId": "user-1234",
3
  "amount": { "cents": 2500, "currency": "USD" },
4
  "account": {
5
    "chain": "eip155:8453",
6
    "token": "usdc"
7
  }
8
}

1
curl -X POST https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated/quote/crypto \
2
     -H "Authorization: <apiKey>" \
3
     -H "Content-Type: application/json" \
4
     -d '{
5
  "userId": "string",
6
  "amount": {
7
    "cents": 1,
8
    "currency": "USD"
9
  },
10
  "account": {
11
    "token": "string",
12
    "chain": "string"
13
  }
14
}'

1
{
2
  "quote": {
3
    "cents": 1,
4
    "currency": "USD"
5
  },
6
  "totalMerchantDebit": {
7
    "cents": 1,
8
    "currency": "USD"
9
  },
10
  "userPayout": {
11
    "cents": 1,
12
    "currency": "USD"
13
  },
14
  "merchantFees": {
15
    "cents": 1,
16
    "currency": "USD"
17
  },
18
  "deliveryAmount": "string"
19
}

The response’s deliveryAmount is the amount of the requested destination token the user will receive, as a decimal string in the token’s own units.

Initiate a Crypto Payout

Call the standard delegated payout endpoint with speed: "crypto" and the on-chain destination as the account, authenticated with your destructive API key. A crypto payout’s request body looks like:

1
{
2
  "userId": "user-1234",
3
  "amount": { "cents": 2500 },
4
  "speed": "crypto",
5
  "idempotencyKey": "d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b",
6
  "account": {
7
    "address": "0x1234abcd...",
8
    "chain": "eip155:8453",
9
    "token": "usdc"
10
  }
11
}

1
curl -X POST https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated \
2
     -H "Authorization: <apiKey>" \
3
     -H "Content-Type: application/json" \
4
     -d '{
5
  "speed": "crypto",
6
  "userId": "user-1234",
7
  "idempotencyKey": "d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b",
8
  "account": {
9
    "address": "0x1234abcd...",
10
    "chain": "eip155:8453",
11
    "token": "usdc"
12
  },
13
  "amount": {
14
    "cents": 2500
15
  }
16
}'

1
{
2
  "effectiveSpeed": "crypto",
3
  "signature": "4Cv4nbe6fkGpdSYcqhPHXkdndeiyTa8mhFoWW5x3vroxRibAUssrbXZ5VW4vxkPedcX3xTRKu7ZpkJXWKdJBCGuq"
4
}

Request Fields

Fees

Coinflow covers the on-chain delivery cost. Your account’s configured crypto payout fee follows your fee-responsibility setting: when your account covers withdraw fees, the user receives exactly amount and your Coinflow wallet is debited amount plus the fee in a single transfer; otherwise your wallet is debited exactly amount and the fee comes out of the delivered amount. Fees are never billed separately or invoiced later — they appear on the withdrawal record as merchant-paid or user-paid fees accordingly.

Crypto payouts are enabled and priced per token tier (stablecoins/majors ex: BTC, SOL, ETH) on your account — contact the integrations team to enable them or adjust pricing.

Compliance Screening

Every destination address is screened against sanctions and risk intelligence immediately before delivery — no funds leave Coinflow to a destination that hasn’t passed screening.

• If a flag is raised, the payout pauses in pending while Coinflow’s compliance team reviews it. Cleared payouts resume automatically; confirmed matches remain blocked and Coinflow will contact you.

Tracking & Proof of Payment

Crypto payouts appear on the Withdrawals tab of the merchant dashboard with the destination token and chain shown as the payout method. Opening a withdrawal shows the chain the funds were sent on, the destination wallet, and — once the transfer completes — a proof of payment receipt: a block-explorer link you can copy and send to your user.

Programmatically:

• You receive the standard withdraw webhooks: Withdraw Pending when the payout is accepted and Withdraw Success when the tokens are delivered.
• Look up any payout via GET /merchant/withdraws?search=<idempotencyKey>. Completed crypto payouts include a cryptoPayoutInfo object with the destination chain, token, destinationAddress, the delivery transaction signature, and the shareable receipt URL.
• The withdrawal’s expected delivery date is set to the actual completion time when the transfer lands — crypto payouts typically complete within minutes.

Errors