# Payouts

> Withdraw your balance to a bank account or any crypto wallet.

Section: Payouts & Swaps
Source: https://coincircuit.io/docs/guides/payouts/
Interactive version: https://coincircuit.io/api-reference?tab=guides&guide=payouts

## API reference

- POST `/api/v1/recipients`: [Save a recipient](https://coincircuit.io/api-reference/#tag/payout-recipients/POST/api/v1/recipients)
- POST `/api/v1/payouts`: [Initiate a payout](https://coincircuit.io/api-reference/#tag/payouts/POST/api/v1/payouts)
- GET `/api/v1/payouts`: [List payouts](https://coincircuit.io/api-reference/#tag/payouts/GET/api/v1/payouts)

A payout moves money out of your balance to someone else. Send crypto to any wallet address, cash out to a bank account, or pay a mobile money account across Africa. You choose the amount and destination, CoinCircuit shows the fee before you confirm, then sends the funds.

![Payout to a bank or crypto wallet](https://coincircuit.io/images/features/payouts.png)

## How it works
1. Save a recipient once with `POST /api/v1/recipients`: a crypto address, a bank account, or a mobile money account.
2. Check the cost with `GET /api/v1/payouts/fees`, or `POST /api/v1/payouts/cross-border/quote` for KES and GHS.
3. Create the payout with `POST /api/v1/payouts` (currency, amount, recipientId).
4. Track it with `GET /api/v1/payouts` and `GET /api/v1/payouts/{id}`. A `payout.success` or `payout.failed` webhook tells you the result.

## Supported currencies
| Currency | Recipient type | Delivered as |
| :--- | :--- | :--- |
| ![](https://coincircuit.io/assets/crypto/usdt.svg) USDT / ![](https://coincircuit.io/assets/crypto/usdc.svg) USDC | `crypto_address` | Crypto transfer to any wallet |
| ![](https://coincircuit.io/assets/flags/NG.svg) NGN | `ngn_bank_account` | Bank transfer to any Nigerian bank |
| ![](https://coincircuit.io/assets/flags/KE.svg) KES | `kes_mobile_money` | M-Pesa mobile money |
| ![](https://coincircuit.io/assets/flags/GH.svg) GHS | `ghs_mobile_money` | MTN mobile money |
| ![](https://coincircuit.io/assets/flags/US.svg) USD | Coming soon | ACH bank transfer |
| ![](https://coincircuit.io/assets/flags/CM.svg) XAF | Coming soon | Coming soon |
| ![](https://coincircuit.io/assets/flags/UG.svg) UGX | Coming soon | Coming soon |

## Use cases
- Settling earnings to your bank
- Paying suppliers, staff, or vendors in crypto
- Moving balances to treasury wallets

> Validate a recipient's details with `POST /api/v1/recipients/validate` before you send. Blockchain transfers cannot be reversed.