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

# Merchant Payouts from Your Coinflow wallet

This is the most common payout flow for platforms that hold a user balance and disburse to that user when they request a withdrawal — gaming platforms, marketplaces, gig economy apps, reward programs, SaaS creator earnings, and similar.

Your backend tracks the balance. When a user requests a payout, you call Coinflow to (1) verify the user's identity, (2) save where they want their money sent, and (3) initiate the payout. Funds come out of your Coinflow wallet.

#### Best for

Platforms where the merchant tracks user balances and initiates payouts on the user's behalf.

#### Source of funds

Your **Coinflow wallet** — the same balance that receives proceeds from Coinflow Checkout.

#### Supported destinations

US bank account, US debit card (push-to-card), IBAN (EUR/GBP), PIX (BRL).

#### UI

API-driven. Coinflow optionally provides a pre-built [Bank Authentication UI](/guides/payouts/implementation-methods/bank-authentication-ui) that handles KYC + linking a destination.

## How the flow works

```mermaid
sequenceDiagram
    autonumber
    participant User
    participant Merchant as Your backend
    participant Coinflow

    User->>Merchant: Requests payout
    Merchant->>Coinflow: Verify identity (KYC/KYB)
    Coinflow-->>Merchant: Withdrawer record
    Merchant->>Coinflow: Add payout destination (bank / card / IBAN / PIX)
    Merchant->>Coinflow: Get quote (amount + fees + speed options)
    Coinflow-->>Merchant: Quote breakdown
    Merchant->>Coinflow: Initiate payout (debits your Coinflow wallet)
    Coinflow->>User: Funds delivered to destination
    Coinflow->>Merchant: Webhook (success or failure)
```

---

## Prerequisites

> **Complete account setup first**
>
> This integration assumes you've completed the
> [Account Setup](/guides/getting-started/account-setup) prerequisites —
> sandbox merchant account, API key, team access, and any product-specific
> configuration (settlement location, chargeback protection, or wallet
> funding).

Before sending real payouts, you'll need:

1. A merchant account ([register on sandbox](https://sandbox-merchant.coinflow.cash/register)) and an API key.
2. A **funded Coinflow wallet**. In sandbox, contact the Coinflow team for test funds. In production, your balance fills from Coinflow Checkout proceeds.
3. (Optional) Webhook endpoint configured to receive payout status updates — see [Withdraw Webhooks](/guides/developer-resources/webhooks/withdraw-webhooks).

**Authorization Headers:**

* `Authorization` — Your API key from the [merchant dashboard](https://sandbox-merchant.coinflow.cash/api-keys).
* `x-coinflow-auth-user-id` — A unique customer ID from your own systems identifying the payer or payee.
* `x-coinflow-auth-session-key` — A JWT that authorizes the payer. Valid for 24 hours; refresh after expiry.

---

## Implementation

### Step 1: Verify the withdrawer (KYC/KYB)

Every user must complete identity verification before their first payout. Once verified, the same user can be paid out repeatedly with no re-verification.

Choose the path that matches how you handle identity today:

#### Coinflow handles KYC (most common)

Pass the user's details to Coinflow and we run identity verification end-to-end.

**US withdrawers** require full SSN, address, and date of birth.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/kyc](https://api-sandbox.coinflow.cash/api/withdraw/kyc)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/kyc \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "info": {
    "email": "string",
    "firstName": "string",
    "surName": "string",
    "physicalAddress": "string",
    "city": "string",
    "state": "string",
    "zip": "string",
    "country": "string",
    "dob": "string",
    "ssn": "string"
  }
}'
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/kyc"

payload = { "info": {
        "email": "string",
        "firstName": "string",
        "surName": "string",
        "physicalAddress": "string",
        "city": "string",
        "state": "string",
        "zip": "string",
        "country": "string",
        "dob": "string",
        "ssn": "string"
    } }
headers = {
    "x-coinflow-auth-user-id": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/kyc';
const options = {
  method: 'POST',
  headers: {'x-coinflow-auth-user-id': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"info":{"email":"string","firstName":"string","surName":"string","physicalAddress":"string","city":"string","state":"string","zip":"string","country":"string","dob":"string","ssn":"string"}}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/kyc"

	payload := strings.NewReader("{\n  \"info\": {\n    \"email\": \"string\",\n    \"firstName\": \"string\",\n    \"surName\": \"string\",\n    \"physicalAddress\": \"string\",\n    \"city\": \"string\",\n    \"state\": \"string\",\n    \"zip\": \"string\",\n    \"country\": \"string\",\n    \"dob\": \"string\",\n    \"ssn\": \"string\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/kyc")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"info\": {\n    \"email\": \"string\",\n    \"firstName\": \"string\",\n    \"surName\": \"string\",\n    \"physicalAddress\": \"string\",\n    \"city\": \"string\",\n    \"state\": \"string\",\n    \"zip\": \"string\",\n    \"country\": \"string\",\n    \"dob\": \"string\",\n    \"ssn\": \"string\"\n  }\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/kyc")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"info\": {\n    \"email\": \"string\",\n    \"firstName\": \"string\",\n    \"surName\": \"string\",\n    \"physicalAddress\": \"string\",\n    \"city\": \"string\",\n    \"state\": \"string\",\n    \"zip\": \"string\",\n    \"country\": \"string\",\n    \"dob\": \"string\",\n    \"ssn\": \"string\"\n  }\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/kyc', [
  'body' => '{
  "info": {
    "email": "string",
    "firstName": "string",
    "surName": "string",
    "physicalAddress": "string",
    "city": "string",
    "state": "string",
    "zip": "string",
    "country": "string",
    "dob": "string",
    "ssn": "string"
  }
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/kyc");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"info\": {\n    \"email\": \"string\",\n    \"firstName\": \"string\",\n    \"surName\": \"string\",\n    \"physicalAddress\": \"string\",\n    \"city\": \"string\",\n    \"state\": \"string\",\n    \"zip\": \"string\",\n    \"country\": \"string\",\n    \"dob\": \"string\",\n    \"ssn\": \"string\"\n  }\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "x-coinflow-auth-user-id": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = ["info": [
    "email": "string",
    "firstName": "string",
    "surName": "string",
    "physicalAddress": "string",
    "city": "string",
    "state": "string",
    "zip": "string",
    "country": "string",
    "dob": "string",
    "ssn": "string"
  ]] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/kyc")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "withdrawer": {
    "_id": "string",
    "wallet": "string",
    "blockchain": "solana",
    "wallets": [
      {
        "wallet": "string",
        "blockchain": "solana"
      }
    ],
    "email": "string",
    "availability": {
      "status": "Functional",
      "reason": "string",
      "editor": "string",
      "updatedAt": "2024-01-15T09:30:00Z"
    },
    "currency": "USD",
    "merchant": "string",
    "verification": {
      "reference": "string",
      "status": "pending",
      "vendor": "middesk",
      "name": "string",
      "attested": true,
      "shareToken": "string",
      "shareTokenStatus": "string",
      "sessionToken": "string",
      "rejectionReasons": [
        "string"
      ]
    },
    "riskScoreOverride": true,
    "country": "string",
    "user": true,
    "watchlistExempt": "Unknown",
    "originalCurrency": "USD",
    "geoBlockOverride": {
      "reason": "string",
      "setBy": "string",
      "setAt": "2024-01-15T09:30:00Z",
      "expiresAt": "2024-01-15T09:30:00Z"
    },
    "blockCardReuseExempt": true,
    "createdAt": "2024-01-15T09:30:00Z",
    "dwolla": {
      "customerId": "string",
      "status": "pending",
      "acceptedTerms": "2024-01-15T09:30:00Z",
      "verification": {
        "reference": "string",
        "status": "pending",
        "vendor": "middesk",
        "name": "string",
        "attested": true,
        "shareToken": "string",
        "shareTokenStatus": "string",
        "sessionToken": "string",
        "rejectionReasons": [
          "string"
        ]
      }
    },
    "watchlistId": "string"
  }
}
```

**Non-US withdrawers** require email and country only at this step. The user completes identity verification through a hosted link returned in the response.

#### Upload identity documents

If your platform already collects identity documents (front + back of ID), send them to Coinflow directly via multipart upload.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc](https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: multipart/form-data" \
     -F email="string" \
     -F country="string" \
     -F idType="string" \
     -F merchantId="string" \
     -F idFront=@string \
     -F idBack=@<file1>
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc"

files = {
    "idFront": "open('string', 'rb')",
    "idBack": "open('<file1>', 'rb')"
}
payload = {
    "email": "string",
    "country": "string",
    "idType": "string",
    "merchantId": "string"
}
headers = {"x-coinflow-auth-user-id": "<apiKey>"}

response = requests.post(url, data=payload, files=files, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc';
const form = new FormData();
form.append('email', 'string');
form.append('country', 'string');
form.append('idType', 'string');
form.append('merchantId', 'string');
form.append('idFront', 'string');
form.append('idBack', '<file1>');

const options = {method: 'POST', headers: {'x-coinflow-auth-user-id': '<apiKey>'}};

options.body = form;

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc"

	payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idType\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchantId\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idFront\"; filename=\"string\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idBack\"; filename=\"<file1>\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001--\r\n")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idType\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchantId\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idFront\"; filename=\"string\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idBack\"; filename=\"<file1>\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001--\r\n"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idType\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchantId\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idFront\"; filename=\"string\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idBack\"; filename=\"<file1>\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001--\r\n")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc', [
  'multipart' => [
    [
        'name' => 'email',
        'contents' => 'string'
    ],
    [
        'name' => 'country',
        'contents' => 'string'
    ],
    [
        'name' => 'idType',
        'contents' => 'string'
    ],
    [
        'name' => 'merchantId',
        'contents' => 'string'
    ],
    [
        'name' => 'idFront',
        'filename' => 'string',
        'contents' => null
    ],
    [
        'name' => 'idBack',
        'filename' => '<file1>',
        'contents' => null
    ]
  ]
  'headers' => [
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddParameter("undefined", "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idType\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"merchantId\"\r\n\r\nstring\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idFront\"; filename=\"string\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"idBack\"; filename=\"<file1>\"\r\nContent-Type: application/octet-stream\r\n\r\n\r\n-----011000010111000001101001--\r\n", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = ["x-coinflow-auth-user-id": "<apiKey>"]
let parameters = [
  [
    "name": "email",
    "value": "string"
  ],
  [
    "name": "country",
    "value": "string"
  ],
  [
    "name": "idType",
    "value": "string"
  ],
  [
    "name": "merchantId",
    "value": "string"
  ],
  [
    "name": "idFront",
    "fileName": "string"
  ],
  [
    "name": "idBack",
    "fileName": "<file1>"
  ]
]

let boundary = "---011000010111000001101001"

var body = ""
var error: NSError? = nil
for param in parameters {
  let paramName = param["name"]!
  body += "--\(boundary)\r\n"
  body += "Content-Disposition:form-data; name=\"\(paramName)\""
  if let filename = param["fileName"] {
    let contentType = param["content-type"]!
    let fileContent = String(contentsOfFile: filename, encoding: String.Encoding.utf8)
    if (error != nil) {
      print(error as Any)
    }
    body += "; filename=\"\(filename)\"\r\n"
    body += "Content-Type: \(contentType)\r\n\r\n"
    body += fileContent
  } else if let paramValue = param["value"] {
    body += "\r\n\r\n\(paramValue)"
  }
}

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/kyc-doc")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "withdrawer": {
    "_id": "string",
    "wallet": "string",
    "blockchain": "solana",
    "wallets": [
      {
        "wallet": "string",
        "blockchain": "solana"
      }
    ],
    "email": "string",
    "availability": {
      "status": "Functional",
      "reason": "string",
      "editor": "string",
      "updatedAt": "2024-01-15T09:30:00Z"
    },
    "currency": "USD",
    "merchant": "string",
    "verification": {
      "reference": "string",
      "status": "pending",
      "vendor": "middesk",
      "name": "string",
      "attested": true,
      "shareToken": "string",
      "shareTokenStatus": "string",
      "sessionToken": "string",
      "rejectionReasons": [
        "string"
      ]
    },
    "riskScoreOverride": true,
    "country": "string",
    "user": true,
    "watchlistExempt": "Unknown",
    "originalCurrency": "USD",
    "geoBlockOverride": {
      "reason": "string",
      "setBy": "string",
      "setAt": "2024-01-15T09:30:00Z",
      "expiresAt": "2024-01-15T09:30:00Z"
    },
    "blockCardReuseExempt": true,
    "createdAt": "2024-01-15T09:30:00Z",
    "dwolla": {
      "customerId": "string",
      "status": "pending",
      "acceptedTerms": "2024-01-15T09:30:00Z",
      "verification": {
        "reference": "string",
        "status": "pending",
        "vendor": "middesk",
        "name": "string",
        "attested": true,
        "shareToken": "string",
        "shareTokenStatus": "string",
        "sessionToken": "string",
        "rejectionReasons": [
          "string"
        ]
      }
    },
    "watchlistId": "string"
  }
}
```

#### Share a token from an existing identity provider

If you've already verified the user through your own identity provider, you can pass a share token instead of re-verifying. Requires a tri-party data-sharing agreement — contact the Coinflow team with your identity provider's client ID to set this up.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token](https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "vendor": "sumsub",
  "shareToken": "string",
  "country": "string",
  "email": "string"
}'
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token"

payload = {
    "vendor": "sumsub",
    "shareToken": "string",
    "country": "string",
    "email": "string"
}
headers = {
    "x-coinflow-auth-user-id": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token';
const options = {
  method: 'POST',
  headers: {'x-coinflow-auth-user-id': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"vendor":"sumsub","shareToken":"string","country":"string","email":"string"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token"

	payload := strings.NewReader("{\n  \"vendor\": \"sumsub\",\n  \"shareToken\": \"string\",\n  \"country\": \"string\",\n  \"email\": \"string\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"vendor\": \"sumsub\",\n  \"shareToken\": \"string\",\n  \"country\": \"string\",\n  \"email\": \"string\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"vendor\": \"sumsub\",\n  \"shareToken\": \"string\",\n  \"country\": \"string\",\n  \"email\": \"string\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token', [
  'body' => '{
  "vendor": "sumsub",
  "shareToken": "string",
  "country": "string",
  "email": "string"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"vendor\": \"sumsub\",\n  \"shareToken\": \"string\",\n  \"country\": \"string\",\n  \"email\": \"string\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "x-coinflow-auth-user-id": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "vendor": "sumsub",
  "shareToken": "string",
  "country": "string",
  "email": "string"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/kyc/share-token")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "withdrawer": {
    "_id": "string",
    "wallet": "string",
    "blockchain": "solana",
    "wallets": [
      {
        "wallet": "string",
        "blockchain": "solana"
      }
    ],
    "email": "string",
    "availability": {
      "status": "Functional",
      "reason": "string",
      "editor": "string",
      "updatedAt": "2024-01-15T09:30:00Z"
    },
    "currency": "USD",
    "merchant": "string",
    "verification": {
      "reference": "string",
      "status": "pending",
      "vendor": "middesk",
      "name": "string",
      "attested": true,
      "shareToken": "string",
      "shareTokenStatus": "string",
      "sessionToken": "string",
      "rejectionReasons": [
        "string"
      ]
    },
    "riskScoreOverride": true,
    "country": "string",
    "user": true,
    "watchlistExempt": "Unknown",
    "originalCurrency": "USD",
    "geoBlockOverride": {
      "reason": "string",
      "setBy": "string",
      "setAt": "2024-01-15T09:30:00Z",
      "expiresAt": "2024-01-15T09:30:00Z"
    },
    "blockCardReuseExempt": true,
    "createdAt": "2024-01-15T09:30:00Z",
    "dwolla": {
      "customerId": "string",
      "status": "pending",
      "acceptedTerms": "2024-01-15T09:30:00Z",
      "verification": {
        "reference": "string",
        "status": "pending",
        "vendor": "middesk",
        "name": "string",
        "attested": true,
        "shareToken": "string",
        "shareTokenStatus": "string",
        "sessionToken": "string",
        "rejectionReasons": [
          "string"
        ]
      }
    },
    "watchlistId": "string"
  }
}
```

#### Attest to your own KYC (KYC Reliance)

For merchants with their own approved KYC program. Requires Compliance review and approval from the Coinflow team before use.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested](https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "country": "string",
  "email": "string",
  "firstName": "string",
  "surName": "string",
  "physicalAddress": "string",
  "city": "string",
  "state": "string",
  "zip": "string",
  "dob": "string"
}'
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested"

payload = {
    "country": "string",
    "email": "string",
    "firstName": "string",
    "surName": "string",
    "physicalAddress": "string",
    "city": "string",
    "state": "string",
    "zip": "string",
    "dob": "string"
}
headers = {
    "x-coinflow-auth-user-id": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested';
const options = {
  method: 'POST',
  headers: {'x-coinflow-auth-user-id': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"country":"string","email":"string","firstName":"string","surName":"string","physicalAddress":"string","city":"string","state":"string","zip":"string","dob":"string"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested"

	payload := strings.NewReader("{\n  \"country\": \"string\",\n  \"email\": \"string\",\n  \"firstName\": \"string\",\n  \"surName\": \"string\",\n  \"physicalAddress\": \"string\",\n  \"city\": \"string\",\n  \"state\": \"string\",\n  \"zip\": \"string\",\n  \"dob\": \"string\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"country\": \"string\",\n  \"email\": \"string\",\n  \"firstName\": \"string\",\n  \"surName\": \"string\",\n  \"physicalAddress\": \"string\",\n  \"city\": \"string\",\n  \"state\": \"string\",\n  \"zip\": \"string\",\n  \"dob\": \"string\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"country\": \"string\",\n  \"email\": \"string\",\n  \"firstName\": \"string\",\n  \"surName\": \"string\",\n  \"physicalAddress\": \"string\",\n  \"city\": \"string\",\n  \"state\": \"string\",\n  \"zip\": \"string\",\n  \"dob\": \"string\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested', [
  'body' => '{
  "country": "string",
  "email": "string",
  "firstName": "string",
  "surName": "string",
  "physicalAddress": "string",
  "city": "string",
  "state": "string",
  "zip": "string",
  "dob": "string"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"country\": \"string\",\n  \"email\": \"string\",\n  \"firstName\": \"string\",\n  \"surName\": \"string\",\n  \"physicalAddress\": \"string\",\n  \"city\": \"string\",\n  \"state\": \"string\",\n  \"zip\": \"string\",\n  \"dob\": \"string\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "x-coinflow-auth-user-id": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "country": "string",
  "email": "string",
  "firstName": "string",
  "surName": "string",
  "physicalAddress": "string",
  "city": "string",
  "state": "string",
  "zip": "string",
  "dob": "string"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/kyc/attested")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "withdrawer": {
    "_id": "string",
    "wallet": "string",
    "blockchain": "solana",
    "wallets": [
      {
        "wallet": "string",
        "blockchain": "solana"
      }
    ],
    "email": "string",
    "availability": {
      "status": "Functional",
      "reason": "string",
      "editor": "string",
      "updatedAt": "2024-01-15T09:30:00Z"
    },
    "currency": "USD",
    "merchant": "string",
    "verification": {
      "reference": "string",
      "status": "pending",
      "vendor": "middesk",
      "name": "string",
      "attested": true,
      "shareToken": "string",
      "shareTokenStatus": "string",
      "sessionToken": "string",
      "rejectionReasons": [
        "string"
      ]
    },
    "riskScoreOverride": true,
    "country": "string",
    "user": true,
    "watchlistExempt": "Unknown",
    "originalCurrency": "USD",
    "geoBlockOverride": {
      "reason": "string",
      "setBy": "string",
      "setAt": "2024-01-15T09:30:00Z",
      "expiresAt": "2024-01-15T09:30:00Z"
    },
    "blockCardReuseExempt": true,
    "createdAt": "2024-01-15T09:30:00Z",
    "dwolla": {
      "customerId": "string",
      "status": "pending",
      "acceptedTerms": "2024-01-15T09:30:00Z",
      "verification": {
        "reference": "string",
        "status": "pending",
        "vendor": "middesk",
        "name": "string",
        "attested": true,
        "shareToken": "string",
        "shareTokenStatus": "string",
        "sessionToken": "string",
        "rejectionReasons": [
          "string"
        ]
      }
    },
    "watchlistId": "string"
  }
}
```

> **Warning**
>
> **451 response?** Coinflow needs additional info from the user. Redirect them to the `verificationLink` in the response body — they'll upload a photo ID and complete a selfie verification. After they finish, poll `GET /withdraw` until `verification.status === "approved"`.

### Step 2: Check the withdrawer's verification status

After KYC, fetch the withdrawer record to confirm verification status before adding a payout destination. You can call this at any time to look up a withdrawer.

### Request

GET [https://api-sandbox.coinflow.cash/api/withdraw](https://api-sandbox.coinflow.cash/api/withdraw)

```curl
curl https://api-sandbox.coinflow.cash/api/withdraw \
     -H "x-coinflow-auth-wallet: <apiKey>"
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw"

headers = {"x-coinflow-auth-wallet": "<apiKey>"}

response = requests.get(url, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw';
const options = {method: 'GET', headers: {'x-coinflow-auth-wallet': '<apiKey>'}};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw"

	req, _ := http.NewRequest("GET", url, nil)

	req.Header.Add("x-coinflow-auth-wallet", "<apiKey>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Get.new(url)
request["x-coinflow-auth-wallet"] = '<apiKey>'

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.get("https://api-sandbox.coinflow.cash/api/withdraw")
  .header("x-coinflow-auth-wallet", "<apiKey>")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('GET', 'https://api-sandbox.coinflow.cash/api/withdraw', [
  'headers' => [
    'x-coinflow-auth-wallet' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw");
var request = new RestRequest(Method.GET);
request.AddHeader("x-coinflow-auth-wallet", "<apiKey>");
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = ["x-coinflow-auth-wallet": "<apiKey>"]

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "GET"
request.allHTTPHeaderFields = headers

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "withdrawer": {
    "_id": "string",
    "wallet": "string",
    "blockchain": "solana",
    "wallets": [
      {
        "wallet": "string",
        "blockchain": "solana"
      }
    ],
    "email": "string",
    "availability": {
      "status": "Functional",
      "reason": "string",
      "editor": "string",
      "updatedAt": "2024-01-15T09:30:00Z"
    },
    "currency": "USD",
    "merchant": "string",
    "verification": {
      "reference": "string",
      "status": "pending",
      "vendor": "middesk",
      "name": "string",
      "attested": true,
      "shareToken": "string",
      "shareTokenStatus": "string",
      "sessionToken": "string",
      "rejectionReasons": [
        "string"
      ]
    },
    "riskScoreOverride": true,
    "country": "string",
    "bankAccounts": [
      {
        "last4": "string",
        "accountHash": "string",
        "alias": "string",
        "token": "string",
        "reference": "string",
        "accountNumberOnlyHash": "string",
        "isDeleted": true,
        "isTokenized": true,
        "accountNumber": "string",
        "statementFileKey": "string",
        "statementUploadedAt": "2024-01-15T09:30:00Z",
        "routingNumber": "string",
        "wireRoutingNumber": "string",
        "rtpEligible": true
      }
    ],
    "cards": [
      {
        "last4": "string",
        "token": "string",
        "type": "VISA",
        "disbursementStatus": "Immediate",
        "createdAt": "2024-01-15T09:30:00Z",
        "isDeleted": true,
        "currency": "USD",
        "nameOnCard": "string",
        "walletGenus": "applepay",
        "retiredTokens": [
          "string"
        ],
        "expMonth": "string",
        "expYear": "string"
      }
    ],
    "ibans": [
      {
        "last4": "string",
        "accountHash": "string",
        "alias": "string",
        "token": "string",
        "reference": "string",
        "sortCode": "string",
        "accountOwnerNames": [
          "string"
        ],
        "nameMatchStatus": "unmatched",
        "isDeleted": true,
        "statementFileKey": "string",
        "statementUploadedAt": "2024-01-15T09:30:00Z",
        "bic": "string"
      }
    ],
    "swifts": [
      {
        "alias": "string",
        "token": "string",
        "reference": "string",
        "last4": "string",
        "accountHash": "string",
        "beneficiaryBankName": "string",
        "beneficiaryBankAddress": {
          "address1": "string",
          "city": "string",
          "state": "string",
          "zip": "string",
          "country": "string",
          "address2": "string"
        },
        "swiftCode": "string",
        "intermediaryBank": {
          "swiftCode": "string",
          "bankAddress": {
            "address1": "string",
            "city": "string",
            "state": "string",
            "zip": "string",
            "country": "string",
            "address2": "string"
          },
          "bankName": "string"
        }
      }
    ],
    "pixes": [
      {
        "key": "string",
        "accountHash": "string",
        "token": "string"
      }
    ],
    "efts": [
      {
        "accountHash": "string",
        "alias": "string",
        "token": "string",
        "reference": "string",
        "mask": "string",
        "accountOwnerNames": [
          "string"
        ],
        "nameMatchStatus": "unmatched",
        "isDeleted": true,
        "accountNumber": "string",
        "statementFileKey": "string",
        "statementUploadedAt": "2024-01-15T09:30:00Z",
        "institutionId": "string",
        "institution": "string",
        "transit_number": "string"
      }
    ],
    "mobiles": [
      {
        "alias": "string",
        "token": "string",
        "type": "mobile",
        "genus": "applepay",
        "disbursementStatus": "Immediate",
        "currency": "USD",
        "retiredTokens": [
          "string"
        ],
        "deletedAt": "2024-01-15T09:30:00Z",
        "expMonth": "string",
        "expYear": "string"
      }
    ],
    "p2cAvailable": true,
    "applePayAvailable": true,
    "bankCurrencyOptions": [
      "USD"
    ],
    "freeWithdrawSpeeds": [
      "asap"
    ],
    "originalCurrency": "USD",
    "geoBlockOverride": {
      "reason": "string",
      "setBy": "string",
      "setAt": "2024-01-15T09:30:00Z",
      "expiresAt": "2024-01-15T09:30:00Z"
    },
    "blockCardReuseExempt": true,
    "createdAt": "2024-01-15T09:30:00Z",
    "venmo": {
      "alias": "string",
      "token": "string",
      "type": "venmo",
      "isDeleted": true
    },
    "paypal": {
      "alias": "string",
      "token": "string",
      "type": "paypal",
      "isDeleted": true
    },
    "interac": {
      "alias": "string",
      "token": "string",
      "type": "interac",
      "isDeleted": true
    }
  }
}
```

### Step 3: Add a payout destination

Save the place the user wants to receive funds. Available destinations depend on the country they verified under.

> **Tip**
>
> **Want to skip building destination UI?** Coinflow's [Bank Authentication UI](/guides/payouts/implementation-methods/bank-authentication-ui) embeds the entire KYC + destination flow in your app. If you use it, you can skip Step 1 and Step 3 — you'll only need the quote and payout endpoints below.

#### US bank account

For US ACH and RTP payouts.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/account](https://api-sandbox.coinflow.cash/api/withdraw/account)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/account \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "alias": "string",
  "routingNumber": "string",
  "accountNumber": "string",
  "type": "checking"
}'
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/account"

payload = {
    "alias": "string",
    "routingNumber": "string",
    "accountNumber": "string",
    "type": "checking"
}
headers = {
    "x-coinflow-auth-user-id": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/account';
const options = {
  method: 'POST',
  headers: {'x-coinflow-auth-user-id': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"alias":"string","routingNumber":"string","accountNumber":"string","type":"checking"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/account"

	payload := strings.NewReader("{\n  \"alias\": \"string\",\n  \"routingNumber\": \"string\",\n  \"accountNumber\": \"string\",\n  \"type\": \"checking\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/account")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"alias\": \"string\",\n  \"routingNumber\": \"string\",\n  \"accountNumber\": \"string\",\n  \"type\": \"checking\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/account")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"alias\": \"string\",\n  \"routingNumber\": \"string\",\n  \"accountNumber\": \"string\",\n  \"type\": \"checking\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/account', [
  'body' => '{
  "alias": "string",
  "routingNumber": "string",
  "accountNumber": "string",
  "type": "checking"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/account");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"alias\": \"string\",\n  \"routingNumber\": \"string\",\n  \"accountNumber\": \"string\",\n  \"type\": \"checking\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "x-coinflow-auth-user-id": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "alias": "string",
  "routingNumber": "string",
  "accountNumber": "string",
  "type": "checking"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/account")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "withdrawer": {
    "_id": "string",
    "wallet": "string",
    "blockchain": "solana",
    "wallets": [
      {
        "wallet": "string",
        "blockchain": "solana"
      }
    ],
    "email": "string",
    "availability": {
      "status": "Functional",
      "reason": "string",
      "editor": "string",
      "updatedAt": "2024-01-15T09:30:00Z"
    },
    "currency": "USD",
    "merchant": "string",
    "verification": {
      "reference": "string",
      "status": "pending",
      "vendor": "middesk",
      "name": "string",
      "attested": true,
      "shareToken": "string",
      "shareTokenStatus": "string",
      "sessionToken": "string",
      "rejectionReasons": [
        "string"
      ]
    },
    "riskScoreOverride": true,
    "country": "string",
    "bankAccounts": [
      {
        "last4": "string",
        "accountHash": "string",
        "alias": "string",
        "token": "string",
        "reference": "string",
        "accountNumberOnlyHash": "string",
        "isDeleted": true,
        "isTokenized": true,
        "accountNumber": "string",
        "statementFileKey": "string",
        "statementUploadedAt": "2024-01-15T09:30:00Z",
        "routingNumber": "string",
        "wireRoutingNumber": "string",
        "rtpEligible": true
      }
    ],
    "cards": [
      {
        "last4": "string",
        "token": "string",
        "type": "VISA",
        "disbursementStatus": "Immediate",
        "createdAt": "2024-01-15T09:30:00Z",
        "isDeleted": true,
        "currency": "USD",
        "nameOnCard": "string",
        "walletGenus": "applepay",
        "retiredTokens": [
          "string"
        ],
        "expMonth": "string",
        "expYear": "string"
      }
    ],
    "ibans": [
      {
        "last4": "string",
        "accountHash": "string",
        "alias": "string",
        "token": "string",
        "reference": "string",
        "sortCode": "string",
        "accountOwnerNames": [
          "string"
        ],
        "nameMatchStatus": "unmatched",
        "isDeleted": true,
        "statementFileKey": "string",
        "statementUploadedAt": "2024-01-15T09:30:00Z",
        "bic": "string"
      }
    ],
    "swifts": [
      {
        "alias": "string",
        "token": "string",
        "reference": "string",
        "last4": "string",
        "accountHash": "string",
        "beneficiaryBankName": "string",
        "beneficiaryBankAddress": {
          "address1": "string",
          "city": "string",
          "state": "string",
          "zip": "string",
          "country": "string",
          "address2": "string"
        },
        "swiftCode": "string",
        "intermediaryBank": {
          "swiftCode": "string",
          "bankAddress": {
            "address1": "string",
            "city": "string",
            "state": "string",
            "zip": "string",
            "country": "string",
            "address2": "string"
          },
          "bankName": "string"
        }
      }
    ],
    "pixes": [
      {
        "key": "string",
        "accountHash": "string",
        "token": "string"
      }
    ],
    "efts": [
      {
        "accountHash": "string",
        "alias": "string",
        "token": "string",
        "reference": "string",
        "mask": "string",
        "accountOwnerNames": [
          "string"
        ],
        "nameMatchStatus": "unmatched",
        "isDeleted": true,
        "accountNumber": "string",
        "statementFileKey": "string",
        "statementUploadedAt": "2024-01-15T09:30:00Z",
        "institutionId": "string",
        "institution": "string",
        "transit_number": "string"
      }
    ],
    "mobiles": [
      {
        "alias": "string",
        "token": "string",
        "type": "mobile",
        "genus": "applepay",
        "disbursementStatus": "Immediate",
        "currency": "USD",
        "retiredTokens": [
          "string"
        ],
        "deletedAt": "2024-01-15T09:30:00Z",
        "expMonth": "string",
        "expYear": "string"
      }
    ],
    "p2cAvailable": true,
    "applePayAvailable": true,
    "bankCurrencyOptions": [
      "USD"
    ],
    "freeWithdrawSpeeds": [
      "asap"
    ],
    "originalCurrency": "USD",
    "geoBlockOverride": {
      "reason": "string",
      "setBy": "string",
      "setAt": "2024-01-15T09:30:00Z",
      "expiresAt": "2024-01-15T09:30:00Z"
    },
    "blockCardReuseExempt": true,
    "createdAt": "2024-01-15T09:30:00Z",
    "venmo": {
      "alias": "string",
      "token": "string",
      "type": "venmo",
      "isDeleted": true
    },
    "paypal": {
      "alias": "string",
      "token": "string",
      "type": "paypal",
      "isDeleted": true
    },
    "interac": {
      "alias": "string",
      "token": "string",
      "type": "interac",
      "isDeleted": true
    }
  },
  "tokensRequiringWireRoutingNumber": [
    "string"
  ]
}
```

#### US debit card (push-to-card)

For instant payouts to a Visa or Mastercard debit card. The `cardToken` comes from [tokenizing the card](/recipes/recipes/tokenize-debit-cards-for-withdraws) — raw card numbers must never reach your servers.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/debit-card](https://api-sandbox.coinflow.cash/api/withdraw/debit-card)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/debit-card \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "expYear": "26",
  "expMonth": "12",
  "cardToken": "tok_1Hh1YZ2eZvKYlo2C3X9a7b8d"
}'
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/debit-card"

payload = {
    "expYear": "26",
    "expMonth": "12",
    "cardToken": "tok_1Hh1YZ2eZvKYlo2C3X9a7b8d"
}
headers = {
    "x-coinflow-auth-user-id": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/debit-card';
const options = {
  method: 'POST',
  headers: {'x-coinflow-auth-user-id': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"expYear":"26","expMonth":"12","cardToken":"tok_1Hh1YZ2eZvKYlo2C3X9a7b8d"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/debit-card"

	payload := strings.NewReader("{\n  \"expYear\": \"26\",\n  \"expMonth\": \"12\",\n  \"cardToken\": \"tok_1Hh1YZ2eZvKYlo2C3X9a7b8d\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/debit-card")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"expYear\": \"26\",\n  \"expMonth\": \"12\",\n  \"cardToken\": \"tok_1Hh1YZ2eZvKYlo2C3X9a7b8d\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/debit-card")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"expYear\": \"26\",\n  \"expMonth\": \"12\",\n  \"cardToken\": \"tok_1Hh1YZ2eZvKYlo2C3X9a7b8d\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/debit-card', [
  'body' => '{
  "expYear": "26",
  "expMonth": "12",
  "cardToken": "tok_1Hh1YZ2eZvKYlo2C3X9a7b8d"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/debit-card");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"expYear\": \"26\",\n  \"expMonth\": \"12\",\n  \"cardToken\": \"tok_1Hh1YZ2eZvKYlo2C3X9a7b8d\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "x-coinflow-auth-user-id": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "expYear": "26",
  "expMonth": "12",
  "cardToken": "tok_1Hh1YZ2eZvKYlo2C3X9a7b8d"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/debit-card")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
"Debit card added successfully"
```

#### IBAN (EUR / GBP)

For EU and UK payouts via SEPA and UK Faster Payments.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/iban](https://api-sandbox.coinflow.cash/api/withdraw/iban)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/iban \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "number": "GB29NWBK60161331926819"
}'
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/iban"

payload = { "number": "GB29NWBK60161331926819" }
headers = {
    "x-coinflow-auth-user-id": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/iban';
const options = {
  method: 'POST',
  headers: {'x-coinflow-auth-user-id': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"number":"GB29NWBK60161331926819"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/iban"

	payload := strings.NewReader("{\n  \"number\": \"GB29NWBK60161331926819\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/iban")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"number\": \"GB29NWBK60161331926819\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/iban")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"number\": \"GB29NWBK60161331926819\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/iban', [
  'body' => '{
  "number": "GB29NWBK60161331926819"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/iban");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"number\": \"GB29NWBK60161331926819\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "x-coinflow-auth-user-id": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = ["number": "GB29NWBK60161331926819"] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/iban")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
"eyJ0b2tlbiI6ICJhYmNkMTIzNDU2Nzg5In0="
```

#### PIX (BRL)

For Brazilian payouts via PIX.

### Request

POST [https://api-sandbox.coinflow.cash/api/withdraw/pix](https://api-sandbox.coinflow.cash/api/withdraw/pix)

```curl
curl -X POST https://api-sandbox.coinflow.cash/api/withdraw/pix \
     -H "x-coinflow-auth-user-id: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "pixKey": "user12345@example.com"
}'
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/pix"

payload = { "pixKey": "user12345@example.com" }
headers = {
    "x-coinflow-auth-user-id": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/pix';
const options = {
  method: 'POST',
  headers: {'x-coinflow-auth-user-id': '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"pixKey":"user12345@example.com"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/pix"

	payload := strings.NewReader("{\n  \"pixKey\": \"user12345@example.com\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-coinflow-auth-user-id", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/pix")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-coinflow-auth-user-id"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"pixKey\": \"user12345@example.com\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/withdraw/pix")
  .header("x-coinflow-auth-user-id", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"pixKey\": \"user12345@example.com\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/withdraw/pix', [
  'body' => '{
  "pixKey": "user12345@example.com"
}',
  'headers' => [
    'Content-Type' => 'application/json',
    'x-coinflow-auth-user-id' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/pix");
var request = new RestRequest(Method.POST);
request.AddHeader("x-coinflow-auth-user-id", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"pixKey\": \"user12345@example.com\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "x-coinflow-auth-user-id": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = ["pixKey": "user12345@example.com"] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/pix")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
"Pix account created successfully for key user12345@example.com"
```

### Step 4: Get a quote

Before initiating, fetch a quote so you can show the user fees, expected delivery time, and how much they'll actually receive. The response includes every speed option available for their destination — `card` (instant), `asap` (RTP), `same_day` (Same-Day ACH), and `standard` (Standard ACH).

### Request

GET [https://api-sandbox.coinflow.cash/api/withdraw/quote](https://api-sandbox.coinflow.cash/api/withdraw/quote)

```curl
curl -G https://api-sandbox.coinflow.cash/api/withdraw/quote \
     -H "x-coinflow-auth-wallet: <apiKey>" \
     -d token=token \
     -d amount=1.1 \
     -d merchantId=merchantId
```

```python
import requests

url = "https://api-sandbox.coinflow.cash/api/withdraw/quote"

querystring = {"token":"token","amount":"1.1","merchantId":"merchantId"}

headers = {"x-coinflow-auth-wallet": "<apiKey>"}

response = requests.get(url, headers=headers, params=querystring)

print(response.json())
```

```javascript
const url = 'https://api-sandbox.coinflow.cash/api/withdraw/quote?token=token&amount=1.1&merchantId=merchantId';
const options = {method: 'GET', headers: {'x-coinflow-auth-wallet': '<apiKey>'}};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/withdraw/quote?token=token&amount=1.1&merchantId=merchantId"

	req, _ := http.NewRequest("GET", url, nil)

	req.Header.Add("x-coinflow-auth-wallet", "<apiKey>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/withdraw/quote?token=token&amount=1.1&merchantId=merchantId")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Get.new(url)
request["x-coinflow-auth-wallet"] = '<apiKey>'

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.get("https://api-sandbox.coinflow.cash/api/withdraw/quote?token=token&amount=1.1&merchantId=merchantId")
  .header("x-coinflow-auth-wallet", "<apiKey>")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('GET', 'https://api-sandbox.coinflow.cash/api/withdraw/quote?token=token&amount=1.1&merchantId=merchantId', [
  'headers' => [
    'x-coinflow-auth-wallet' => '<apiKey>',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/withdraw/quote?token=token&amount=1.1&merchantId=merchantId");
var request = new RestRequest(Method.GET);
request.AddHeader("x-coinflow-auth-wallet", "<apiKey>");
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = ["x-coinflow-auth-wallet": "<apiKey>"]

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/withdraw/quote?token=token&amount=1.1&merchantId=merchantId")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "GET"
request.allHTTPHeaderFields = headers

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "asap": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "same_day": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "standard": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "card": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "iban": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "pix": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "eft": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "venmo": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "paypal": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "wire": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "interac": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "swift": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "crypto": {
    "fee": {
      "cents": 1,
      "currency": "USD"
    },
    "limit": {
      "cents": 1,
      "currency": "USD"
    },
    "finalSettlement": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDate": "string",
    "merchantFee": {
      "cents": 1,
      "currency": "USD"
    },
    "expectedDeliveryDateISO": "string",
    "customFee": {
      "cents": 1,
      "currency": "USD",
      "label": "string"
    },
    "accountIneligible": true
  },
  "quote": {
    "cents": 1,
    "currency": "USD"
  },
  "gasFees": {
    "gasFees": {
      "cents": 1,
      "currency": "USD"
    },
    "gasFeesWei": "string"
  },
  "swapFees": {
    "cents": 1,
    "currency": "USD"
  }
}
```

### Step 5: Initiate the payout

Submit the payout. Your Coinflow wallet is debited; the user's funds are sent to their selected destination.

| `speed` value | Method                   | Typical delivery    |
| ------------- | ------------------------ | ------------------- |
| `card`        | Push-to-card             | Instant (seconds)   |
| `asap`        | RTP (Real-Time Payments) | Instant (seconds)   |
| `same_day`    | Same-Day ACH             | Within business day |
| `standard`    | Standard ACH             | 1–3 business days   |
| `iban`        | SEPA                     | 1–2 business days   |
| `pix`         | PIX                      | Instant (seconds)   |

### Request

POST [https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated](https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated)

**`Bank Payout`**

```curl Bank Payout
curl -X POST https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated \
     -H "Authorization: <apiKey>" \
     -H "Content-Type: application/json" \
     -d '{
  "speed": "asap",
  "userId": "user-1234",
  "idempotencyKey": "d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b",
  "account": "4db3391e-3199-4c49-9897-9ad2e73390b6",
  "amount": {
    "cents": 2500
  }
}'
```

**`Bank Payout`**

```python Bank Payout
import requests

url = "https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated"

payload = {
    "speed": "asap",
    "userId": "user-1234",
    "idempotencyKey": "d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b",
    "account": "4db3391e-3199-4c49-9897-9ad2e73390b6",
    "amount": { "cents": 2500 }
}
headers = {
    "Authorization": "<apiKey>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

**`Bank Payout`**

```javascript Bank Payout
const url = 'https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated';
const options = {
  method: 'POST',
  headers: {Authorization: '<apiKey>', 'Content-Type': 'application/json'},
  body: '{"speed":"asap","userId":"user-1234","idempotencyKey":"d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b","account":"4db3391e-3199-4c49-9897-9ad2e73390b6","amount":{"cents":2500}}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

**`Bank Payout`**

```go Bank Payout
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated"

	payload := strings.NewReader("{\n  \"speed\": \"asap\",\n  \"userId\": \"user-1234\",\n  \"idempotencyKey\": \"d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b\",\n  \"account\": \"4db3391e-3199-4c49-9897-9ad2e73390b6\",\n  \"amount\": {\n    \"cents\": 2500\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "<apiKey>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

**`Bank Payout`**

```ruby Bank Payout
require 'uri'
require 'net/http'

url = URI("https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = '<apiKey>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"speed\": \"asap\",\n  \"userId\": \"user-1234\",\n  \"idempotencyKey\": \"d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b\",\n  \"account\": \"4db3391e-3199-4c49-9897-9ad2e73390b6\",\n  \"amount\": {\n    \"cents\": 2500\n  }\n}"

response = http.request(request)
puts response.read_body
```

**`Bank Payout`**

```java Bank Payout
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated")
  .header("Authorization", "<apiKey>")
  .header("Content-Type", "application/json")
  .body("{\n  \"speed\": \"asap\",\n  \"userId\": \"user-1234\",\n  \"idempotencyKey\": \"d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b\",\n  \"account\": \"4db3391e-3199-4c49-9897-9ad2e73390b6\",\n  \"amount\": {\n    \"cents\": 2500\n  }\n}")
  .asString();
```

**`Bank Payout`**

```php Bank Payout
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated', [
  'body' => '{
  "speed": "asap",
  "userId": "user-1234",
  "idempotencyKey": "d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b",
  "account": "4db3391e-3199-4c49-9897-9ad2e73390b6",
  "amount": {
    "cents": 2500
  }
}',
  'headers' => [
    'Authorization' => '<apiKey>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

**`Bank Payout`**

```csharp Bank Payout
using RestSharp;

var client = new RestClient("https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "<apiKey>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"speed\": \"asap\",\n  \"userId\": \"user-1234\",\n  \"idempotencyKey\": \"d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b\",\n  \"account\": \"4db3391e-3199-4c49-9897-9ad2e73390b6\",\n  \"amount\": {\n    \"cents\": 2500\n  }\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

**`Bank Payout`**

```swift Bank Payout
import Foundation

let headers = [
  "Authorization": "<apiKey>",
  "Content-Type": "application/json"
]
let parameters = [
  "speed": "asap",
  "userId": "user-1234",
  "idempotencyKey": "d9a4d8f2-1b2c-4e5f-8a7b-3c6d9e0f1a2b",
  "account": "4db3391e-3199-4c49-9897-9ad2e73390b6",
  "amount": ["cents": 2500]
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Response (200)

```json
{
  "effectiveSpeed": "asap",
  "signature": "4Cv4nbe6fkGpdSYcqhPHXkdndeiyTa8mhFoWW5x3vroxRibAUssrbXZ5VW4vxkPedcX3xTRKu7ZpkJXWKdJBCGuq"
}
```

> **Info**
>
> **`effectiveSpeed` may differ from the `speed` you requested.** Same-Day ACH requests above NACHA's per-transaction limit (\$1,000,000) are automatically downgraded to `standard`. Always read `effectiveSpeed` from the response to confirm how the payout was actually processed.

### Step 6: Monitor

Track payouts through whichever channel suits your operations:

* **[Withdraw webhooks](/guides/developer-resources/webhooks/withdraw-webhooks)** — recommended. Receive real-time status changes (initiated, settled, failed, returned).
* **[Merchant dashboard](https://sandbox-merchant.coinflow.cash/withdraws)** — visual interface for support and ops teams.
* **[Get Balance](/api-reference/api-reference/merchant/get-payout-balance)** — check your remaining Coinflow wallet programmatically.

---

## Advanced

#### Funding your Coinflow wallet

In **sandbox**, contact the Coinflow team to provision test funds — there's no production money involved.

In **production**, your Coinflow wallet fills automatically from Coinflow Checkout proceeds. If you need to top up directly (e.g., to seed payouts before you've taken any pay-ins), contact the Coinflow team for wire instructions.

#### No pre-built UI for the full payout flow

Coinflow does not currently provide a drop-in UI for merchant-initiated payouts — this integration is API-driven. You can use Coinflow's [Bank Authentication UI](/guides/payouts/implementation-methods/bank-authentication-ui) for the KYC and destination-linking portion only, then call the quote and payout endpoints from your own UI for the rest of the flow.

---

## FAQ

#### What does a 451 verification response mean?

Coinflow needs additional information from the withdrawer (commonly a photo ID and selfie). The response body includes a `verificationLink` — redirect the user there. Once they complete the steps, poll `GET /withdraw` and check `verification.status === "approved"`.

#### Why is bank authentication required?

Bank authentication confirms the user owns the account they're connecting. Per AML policy, Coinflow requires it before any withdrawal. It also prevents fraud, reduces failed payments, and protects against chargebacks.

#### How do I tokenize a debit card for push-to-card?

Raw card numbers must never reach your servers (PCI compliance). Coinflow provides PCI-compliant tokenization through hosted iframe components.

* **Without a PCI DSS AOC:** use [Tokenize Debit Cards for Withdraws](/recipes/recipes/tokenize-debit-cards-for-withdraws).
* **With a valid AOC:** use [Tokenize Card Data via API for Debit Card Payouts](/recipes/recipes/tokenize-card-data-via-api-for-debit-card-payouts).

#### How do I know if I have a valid PCI DSS AOC?

Merchants need a current Attestation of Compliance (AOC) from a Qualified Security Assessor. Sample formats: [merchant AOC](https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Reporting%20Template%20or%20Form/PCI-DSS-v4-0-1-ROC-AOC-Merchants.pdf), [service-provider AOC](https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Reporting%20Template%20or%20Form/PCI-DSS-v4-0-1-ROC-AOC-Service-Providers.pdf). If you're implementing on behalf of a merchant, you need a service-provider AOC.

---

## Next steps

#### [Test in sandbox](https://sandbox-merchant.coinflow.cash/withdraws)

Use the sandbox dashboard to watch test payouts move through the system.

#### [Configure webhooks](/guides/developer-resources/webhooks/withdraw-webhooks)

Get real-time status updates for every payout.

#### [Common errors](/guides/payouts/beyond-payouts/common-payout-errors)

Troubleshoot failed verifications, declined cards, and payout failures.

#### [Go live](https://merchant.coinflow.cash/register)

Contact the Coinflow team to activate production access.

> Send payouts to your users' bank accounts and debit cards, funded by your Coinflow wallet.