--- title: How Payouts / Withdraws Work excerpt: Learn about the different payout flows Coinflow can support. deprecated: false hidden: false metadata: title: '' description: '' robots: index next: description: '' --- ## How Payouts Work The payout process follows these steps: ### User Verification All users must complete identity verification before their first payout: Typically approved in under 10 seconds Usually completes within 30 seconds - 90% auto-approved within 30 seconds - Manual review takes up to 24 hours (if needed) **What's required:** Country of residence, government-issued ID, and a selfie **Already have KYC data?** If you conduct KYC on your platform, you can pass user verification data directly to Coinflow via API. [See the API reference](/api-reference/api-reference/withdraw/create-kyc-document) for details. **Learn more:** [KYC Verification](/guides/payouts/kyc-verification/what-is-kyc) ### Bank Account or Card Linking Users link their payout destination: For ACH, RTP, SEPA, or UK Faster Payments For push-to-card instant payouts **Implementation:** Depending on your chosen method, you may need to integrate bank authentication. Coinflow's pre-built UI includes Plaid integration for seamless bank linking. **Learn more:** [Bank Authentication UI](/guides/payouts/implementation-methods/bank-authentication-ui) ### Payout Speed Selection Users choose their preferred payout speed based on urgency: Funds arrive in seconds (RTP, push-to-card) Within 24 business hours (same-day ACH) 2-3 business days (standard ACH) **Learn more:** [Understanding Payout Speeds](/guides/payouts/beyond-payouts/understanding-payout-speeds) ### Withdrawal Confirmation Once the payout is processed, users receive confirmation. You'll also receive webhook notifications for tracking payout status. *** ## Flow of Funds Diagrams ### User Self-Custodial Wallet Payout In this flow, funds move directly from the user's own crypto wallet to their bank account or card.

Flow of Funds for a payout initiated from end-user's custodial wallet. **Best for:** Platforms where users control their own crypto wallets (DeFi apps, Web3 games, NFT marketplaces) [Learn more about User Self-Custodial Wallet Payouts →](./understand-your-flow-of-funds/user-payout/delegated-payout-from-user-self-custodial-wallet) ### Merchant Wallet Payout In this flow, you (the merchant) control the wallet and initiate payouts on behalf of users.

**Best for:** Gaming platforms, betting/sweepstakes, rewards programs, marketplaces where you manage user balances [Learn more about Merchant Wallet Payouts →](./understand-your-flow-of-funds/user-payout/delegated-payout-from-merchant-wallet) *** ## Try It Out **Try Withdrawing Funds on Sandbox** Test the full withdrawal flow on our [example app](https://example-merchant-sandbox.onrender.com/?bankAccountLinkRedirect=&settlementType=&planCode=&nativeSolToConvert=&merchantId=coinflow&useSocket=&useHandleHeightChange=true&tokens=&token=&loaderBackground=&blockchain=solana&email=&amount=&state=withdraw&font=Montserrat&style=rounded&textColorAction=%23ffffff&textColorAccent=%236b7280&textColor=%23111827&backgroundAccent2=%23e5e7eb&backgroundAccent=%23f3f4f6&background=%23ffffff&primary=%232563eb). 1. Link a wallet (or create a Burner Wallet: Select A Wallet > More Options > Burner Wallet) 2. Copy the wallet address 3. [Send testnet USDC](https://staging.coinflow.cash/faucet/) to your wallet address 4. [Return to the example app](https://example-merchant-sandbox.onrender.com/?bankAccountLinkRedirect=&settlementType=&planCode=&nativeSolToConvert=&merchantId=coinflow&useSocket=&useHandleHeightChange=true&tokens=&token=&loaderBackground=&blockchain=solana&email=test%40test.com&amount=&state=withdraw&font=Montserrat&style=rounded&textColorAction=%23ffffff&textColorAccent=%236b7280&textColor=%23111827&backgroundAccent2=%23e5e7eb&backgroundAccent=%23f3f4f6&background=%23ffffff&primary=%232563eb) 5. Complete the verification form 6. Add a bank account or debit card 7. Select your payout speed 8. Withdraw your funds **Note:** Our sandbox environment does not use any real money.