Create a stablecoin payout

Creates a payout to a supported stablecoin wallet.

POST https://sandboxapi.fincra.com/disbursements/payouts

Set paymentDestination to crypto_wallet and choose a paymentScheme that matches destinationCurrency.

Supported payment schemes

USDT: usdt_trc20, usdt_erc20, usdt_solana, usdt_bep20
USDC: usdc_erc20, usdc_solana, usdc_bep20
CNGN: cngn_bep20

Generic erc20, btc_mainnet and eth are not supported by this payout endpoint.

Request body

business: Your Fincra business ID. Required.
sourceCurrency: Uppercase source currency. Required.
destinationCurrency: Use USDT, USDC or CNGN. Required.
amount: Numeric payout amount. Required. Do not send it as a string.
customerReference: Your unique reference for this payout. Required.
description: Payout description. Optional.
paymentDestination: Use crypto_wallet. Required.
paymentScheme: A supported scheme matching destinationCurrency. Required for this flow.
quoteReference: Required when sourceCurrency and destinationCurrency differ.
beneficiary.walletAddress: Destination wallet address. Required.
beneficiary.accountHolderName: Wallet holder’s name. Required.
beneficiary.email: Optional.
beneficiary.destinationTag: Optional; provide it when the destination network/account requires a memo or tag.

Example request

{
  "business": "64f000000000000000000001",
  "sourceCurrency": "USD",
  "destinationCurrency": "USDT",
  "amount": 10,
  "description": "Stablecoin payout",
  "paymentDestination": "crypto_wallet",
  "paymentScheme": "usdt_trc20",
  "quoteReference": "quote-reference-from-generate-quote",
  "customerReference": "crypto-20260821-001",
  "beneficiary": {
    "walletAddress": "TExampleWalletAddress",
    "accountHolderName": "Jane Doe",
    "email": "[email protected]"
  }
}

Example response

{
  "success": true,
  "message": "Payout initiated successfully.",
  "data": {
    "id": 1254,
    "reference": "5dcf24700a9a4f67",
    "customerReference": "crypto-20260821-001",
    "status": "processing",
    "isDocumentRequired": false,
    "documentsRequired": []
  }
}

Important: success: true confirms that Fincra handled the API request; it does not guarantee that the payout settled successfully. Always inspect data.status and continue tracking the payout through webhooks or a status endpoint.

Live stablecoin payouts must be enabled for your business.

Duplicate customer reference (422)

{
  "success": false,
  "error": "Cannot continue, Duplicate Customer Reference Passed",
  "errorType": "DUPLICATE_CUSTOMER_REFERENCE"
}