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# Delegated Payout from User Self-Custodial Wallet

> **Warning**
>
> **This page is for advanced / cryptocurrency-native companies.** If that's not you, head back to the [Quickstart](/guides/getting-started/quickstart) for the standard flows.

## User Self-Custodial Wallet Payout

In this flow, users directly control their own crypto wallets and initiate payouts themselves. Coinflow facilitates the off-ramp by converting their stablecoins to local currency.

## How It Works

1. **User connects their wallet** to your platform
2. **User initiates withdrawal** through Coinflow's UI or your integration
3. **User signs transaction** from their wallet
4. **Funds transfer** from user's wallet to Coinflow
5. **Coinflow processes** fiat payout to user's bank account/card
6. **User receives funds** in their selected payout destination

## Flow of Funds

```
User's Wallet (USDC/EUROe) → Coinflow → User's Bank Account/Card (Fiat)
```

## When to Use This Flow

* **DeFi applications** - Where users control their own wallets
* **Web3 gaming** - Where in-game assets are on-chain NFTs
* **Crypto-native platforms** - Where users are comfortable with wallets
* **Decentralized marketplaces** - Where users have custody of their funds

## Implementation Options

### Option 1: Using Coinflow's React SDK

[See implementation guide →](/guides/payouts/implementation-methods/coinflow-withdraw-component#react-sdk-implementation)

**Advantages:**

* Pre-built UI components
* Handles KYC flow
* Manages bank authentication
* Fastest implementation

### Option 2: Using Coinflow's API

[See implementation guide →](/guides/payouts/implementation-methods/coinflow-withdraw-component#api-implementation)

**Advantages:**

* Full control over UX
* Custom integration
* Mobile app support

## Key Considerations

* **User Identification**: Uses wallet addresses (not user IDs)
* **KYC Required**: Each user must complete verification before their first payout
* **Wallet Requirements**:
  * User must have USDC/EUROe balance
  * User must have gas fees (or use gasless transactions)
  * Wallet must support message signing
* **Supported Blockchains**: Solana, Ethereum, Base, Polygon, Arbitrum, Stellar
* **Gas Fees**: Users pay gas (or you can enable gasless transactions)

## Gasless Transactions

Coinflow supports gasless withdrawals for USDC on EVM chains, where users don't need ETH/MATIC for gas. [Learn more →](/guides/payouts/source-of-funds-for-payouts/advanced/gasless-evm-usdc)

## Next Steps

1. Choose your implementation method (SDK or API)
2. [Follow the implementation guide](/guides/payouts/implementation-methods/coinflow-withdraw-component)
3. Configure KYC and bank authentication
4. Test in sandbox environment