Payouts

The Payouts API enables seamless transfers from stablecoins to fiat, or between stablecoins, across various supported currencies, rails, and blockchain networks. At its core, the API abstracts away the complexity of cross-chain transfers, currency conversion, and local payment rails.

How it Works

Inflow Connect provides flexible payout options to move funds out of the ecosystem:

1. Create Payout: You specify source funds, destination account, and transfer type
2. Funding: Depending on the source, either pull funds from managed accounts or provide funding instructions
3. Processing: Inflow handles conversion, bridging, and delivery automatically
4. Completion: Funds arrive at the destination via the optimal route

Core Concepts

Payout Flow

All payouts follow a common pattern regardless of the destination type:

1. Initiation - Create payout specifying source and destination
2. Funding - Provide stablecoins through managed wallet or external transfer
3. Conversion - Currency/chain conversion handled automatically (if needed)
4. Delivery - Funds delivered to bank account or wallet

Payout Object

Each payout contains:

• Source: Stablecoin amount, currency, chain, and funding method
• Destination: Target account (bank account or wallet)
• Status: Current state in the payout lifecycle
• Funding Instructions: Details for external wallet funding (when applicable)

Required Setup

Before processing payouts:

1. Customer: Register the user requesting the payout
2. Source Account: Managed wallet or external wallet specification
3. Destination Account: Registered bank account or external wallet
4. Payout: Create payout linking source to destination

Payout Status Flow

Payouts progress through the following statuses:

Note: Payouts can only be cancelled when in INITIATED status.

Payout Types

Stablecoin to Fiat

Convert stablecoins to traditional currency and deliver to bank accounts worldwide. Ideal for:

• Global payroll and contractor payments
• Vendor and supplier settlements
• Platform user withdrawals
• Cross-border business payments

Supported destinations: Bank accounts via SEPA, ACH, and local rails

See Stablecoin to Fiat for complete implementation guide.

Stablecoin to Stablecoin

Transfer stablecoins between wallets, with automatic cross-chain bridging when needed. Perfect for:

• Web3 platform distributions
• DeFi treasury operations
• Cross-chain asset rebalancing
• Crypto-native payouts

See Countries & Rails for supported regions, Stablecoins & Blockchains for complete network coverage and Stablecoin to Stablecoin for cross-chain transfer details.