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

# How Payouts / Withdraws Work

## How Payouts Work

The payout process follows these steps:

### User Verification

All users must complete identity verification before their first payout:

#### KYC for Individuals

Typically approved in under 10 seconds

#### KYB for Businesses

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

> **Info**
>
> **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:

#### Bank Account

For ACH, RTP, SEPA, or UK Faster Payments

#### Debit Card

For push-to-card instant payouts

**Implementation:** Depending on your chosen method, you may need to integrate bank authentication. Coinflow's pre-built UI handles bank linking and account verification end-to-end.

**Learn more:** [Bank Authentication UI](/guides/payouts/implementation-methods/bank-authentication-ui)

### Payout Speed Selection

Users choose their preferred payout speed based on urgency:

#### Instant

Funds arrive in seconds (RTP, push-to-card)

#### Same Day

Within 24 business hours (same-day ACH)

#### Standard

2-3 business days (standard ACH)

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

### Withdrawal Confirmation

Once the payout is processed, users receive confirmation. You'll also receive webhook notifications for tracking payout status.