Offramp: stablecoin to fiat

In an offramp, your customer sends stablecoins and receives fiat in a bank account or mobile money wallet.

Before you start

You need a customer and an offramp quote that hasn’t expired. Get the bank or network code from List banks or List mobile money networks.

Step 1: Create the offramp

Send the quote, the account that should receive the fiat, and the wallet the stablecoin will come from.

To a bank account (NGN)
To mobile money (GHS)

curl -X POST https://sandbox.core.linkio.world/api/payments/offramp \
  -H "X-BRIDGE-API-Key: $BRIDGE_API_KEY" \
  -H "API-Version: 2026-10-29-atlas" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: withdrawal-2001" \
  -d '{
    "customer_id": "cus_4hT9pL2mQx8VnR3tY7wZ1cB5dE",
    "quote_id": "qte_1wZ4cB6dE8fK2mQ9xLp3VnR7tY",
    "payment_details": {
      "type": "bank_transfer",
      "currency": "NGN",
      "details": {
        "bank_code": "058",
        "account_number": "0123456789",
        "account_name": "Ada Obi"
      }
    },
    "source_wallet": {
      "currency": "USDC",
      "address": "6KhMtrKUhYGqVVgV6fcr1Vr1XnQtZCrDwpXTNZHPiReR",
      "network": "solana"
    }
  }'

curl -X POST https://sandbox.core.linkio.world/api/payments/offramp \
  -H "X-BRIDGE-API-Key: $BRIDGE_API_KEY" \
  -H "API-Version: 2026-10-29-atlas" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: withdrawal-2002" \
  -d '{
    "customer_id": "cus_4hT9pL2mQx8VnR3tY7wZ1cB5dE",
    "quote_id": "qte_6dE8fK2mQ9xLp3VnR7tY1wZ4cB",
    "payment_details": {
      "type": "momo",
      "currency": "GHS",
      "details": {
        "bank_code": "0004",
        "account_number": "0241234567",
        "account_name": "Kwame Mensah"
      }
    },
    "source_wallet": {
      "currency": "USDC",
      "address": "0x5aAeb6053F3E94C9b9A09f33669435E7Ef1BeAed",
      "network": "base"
    }
  }'

Field	What it means
`customer_id`	Must be the same customer as on the quote.
`quote_id`	The offramp quote to use. Each quote can only be used once.
`party`	Optional. `1st` (default) if the money goes to the customer, `3rd` if it goes to someone else.
`payment_details.type`	Must match the quote’s `payout_method`: `bank_transfer` or `momo`.
`payment_details.currency`	Must match the quote’s `target_currency`.
`payment_details.details`	The payout account. See Payout account details.
`source_wallet`	The wallet your customer sends the stablecoin from. Its `currency` must match the quote’s `source_currency`.

We check the payout account before creating the payment: the bank code must exist, the account number must have the right number of digits, and the name must be filled in. For NGN, the account is also verified with the bank.

Step 2: Show the deposit address

You get back 202 Accepted, with where your customer must send the stablecoin:

{
  "status": "success",
  "message": "Offramp payment initiated",
  "payment": {
    "id": "pay_3VnR7tY1wZ4cB6dE8fK2mQ9xLp",
    "status": "pending",
    "state": "initiated",
    "event_id": "evt_7tY1wZ4cB6dE8fK2mQ9xLp3VnR",
    "deposit": {
      "type": "stablecoin",
      "currency": "USDC",
      "details": {
        "address": "7thMtrKUhYGqVVgV6fcr1Vr1XnQtZCrDwpXTNZHPiRe5",
        "network": "solana",
        "tag": null
      }
    }
  }
}

Field	What it means
`deposit.details.address`	The address your customer sends the stablecoin to.
`deposit.details.network`	The network to send on. It must match.
`deposit.details.tag`	A memo or tag. If it isn’t `null`, your customer must include it.

Your customer must send the exact source_amount from the quote, on the network shown, within 30 minutes. If nothing arrives in that time, the payment fails. Sending a different amount puts the payment on hold for a review (flagged). Sending on another network can lose the funds.

Step 3: Wait for webhooks

As the payment moves, we send you webhooks. You can also check at any time with Get a payment.

Every state

State	Status	What it means	What to do
`initiated`	`pending`	We’ve created the payment.	Show the deposit address.
`quote_locked`	`pending`	The price is held for this payment.	Nothing.
`stable_pending`	`pending`	We’re waiting for your customer’s stablecoin. They have 30 minutes.	Remind your customer to send it.
`stable_received`	`pending`	The stablecoin has arrived.	Tell your customer it’s on its way.
`processing`	`pending`	We’re paying the fiat to the account.	Nothing.
`completed`	`success`	The fiat has been paid.	Show success.
`failed`	`failed`	The payment couldn’t be finished, for example no stablecoin arrived within 30 minutes.	Tell your customer. Contact support if stablecoin was received.
`canceled`	`failed`	The payment was canceled.	Tell your customer.
`reversed`	`failed`	The payout was returned, for example the bank rejected it.	Contact support.
`flagged`	`pending`	On hold for a review, for example the amount sent didn’t match.	Wait. After the review, the payment moves to `completed` or `failed`.
`paused`	`pending`	On hold.	Wait for `resumed`.

The state is stable_pending / stable_received, but the webhook event names are payment.offramp.stables_pending / payment.offramp.stables_received (with an extra s).

What can go wrong when you create it

The same errors as an onramp can happen, plus these validation_failed messages:

Field	Message
`source_wallet`	`source_wallet is required`
`source_wallet.currency`	`source_wallet currency must be a stablecoin`
`payment_details.currency`	`Payout currency must match the quote target_currency`
`payment_details.type`	`Payout type momo must match the quote payout_method (bank_transfer)`
`payment_details.details.account_name`	`account_name must be a first and last name` (third-party payouts)
`payment_details.details.*`	The bank code, account number, or name isn’t valid.
`customer_id`	`Customer first_name and last_name are required to initiate an offramp`

Get started

Set up your account

Before you build

Core flows

Webhooks

Errors

Offramp: stablecoin to fiat

Before you start

Step 1: Create the offramp

Step 2: Show the deposit address

Step 3: Wait for webhooks

Every state

What can go wrong when you create it

​Before you start

​Step 1: Create the offramp

​Step 2: Show the deposit address

​Step 3: Wait for webhooks

​Every state

​What can go wrong when you create it

Before you start

Step 1: Create the offramp

Step 2: Show the deposit address

Step 3: Wait for webhooks

Every state

What can go wrong when you create it