Create Fiat Withdrawal

Submit a fiat withdrawal request.

For missingFields, refer to the Fiat Account Management documentation.

Fee charging behavior by withdrawalType

First-party withdrawal (withdrawalType=1): fees are charged internally -- deducted from the amount you submit. The recipient receives less than the requested amount.

Third-party withdrawal (withdrawalType=2): fees are charged externally -- added on top of the amount you submit. The total amount deducted from your account exceeds the requested amount.

amount in the request

Withdrawal Type	Meaning of amount
First-party (internal fee)	Gross amount: total to be deducted from your account, including fees.
Third-party (external fee)	Net amount: amount the recipient will receive, excluding fees.

amount in the response

In both withdrawal types, the response amount represents the gross amount -- the total deducted from your account, including fees. It always satisfies:

amount (response) = fees + estimatedAmountReceivable

Important compatibility note

For third-party withdrawals, the value of amount is not the same in the request and the response:

Request amount = net (receivable) amount

Response amount = gross (deducted) amount

2026-07-10 Update

Request Body Additions:

amountType (integer, required): 1=Debit (gross debit amount), 2=Receive (net received amount). Backward Compatibility: when not provided by callers not yet upgraded, the backend falls back on withdrawalType (first-party -> Debit, third-party -> Receive), matching legacy behavior. New integrations must provide this field.

feeBearer (integer, optional, default=1): 1=Customer (borne by trading party), 2=Partner (borne by platform partner). Default behavior is unchanged.

Modified Fields:

amount: meaning now depends on amountType (previously relied on implicit withdrawalType convention).

Response Data Additions:

amountType, feeBearer (echoed from request)

debitAmount (string): gross debit amount

feeAmount (string): platform fee (alias for legacy field fees)

feeCurrency (string): fee currency

receivedAmount (string): net amount received by payee (alias for legacy field estimatedAmountReceivable)

Legacy Fields Retained as Aliases: fees -> feeAmount, estimatedAmountReceivable -> receivedAmount.

2026-08-14 Update

Third-party (POBO) withdrawal risk control (AML / Travel Rule). Applies to withdrawalType=2 (first-party withdrawalType=1 is unaffected), all client types, any amount.

Request Body Additions:

purposeOfTransactionDetails (string, optional): free-text description of the transaction purpose. Length 1-200, trimmed.

Modified Fields:

purposeOfTransaction: mandatory for third-party withdrawals (withdrawalType=2), ).free-text description of the transaction purpose

proofFile: mandatory for third-party withdrawals (withdrawalType=2).

Applies to: PSP and Direct Client

Request

Authorization

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

Body Params application/json

Example

{
  "participantCode": "B0100106",
  "requireSameNamePayout": true,
  "withdrawalType": 1,
  "currency": "USD",
  "amount": "339.97",
  "amountType": 1,
  "swiftChargingCode": 1,
  "to": "US12345678901234567890",
  "paymentReference": "PAY-20260415-001",
  "clientReference": "REF202604150008",
  "bankInfo": {
    "type": 1,
    "typeOfThirdParty": 2,
    "corporateCountryCode": "US",
    "label": "Business Withdrawal Account",
    "bankAccountNumber": "US98765432109876543210",
    "swiftCode": "CHASUS33",
    "bankName": "JPMorgan Chase Bank",
    "bankAddress": "270 Park Avenue",
    "bankCountry": "US",
    "bankState": "NY",
    "bankCity": "New York",
    "postCode": "10017",
    "routingNumber": "021000021",
    "intermediaryBank": [
      {
        "currency": "USD",
        "swiftCode": "IRVTUS3N",
        "bankName": "The Bank of New York Mellon",
        "bankAddress": "225 Liberty Street",
        "bankCountry": "US"
      }
    ],
    "relationship": "Subsidiary",
    "beneficiaryOfThirdParty": {
      "name": "Scott Rippin",
      "email": "scott.rippin@example.com",
      "addressInfo": {
        "country": "US",
        "state": "Utah",
        "city": "Salt Lake City",
        "postCode": "84101",
        "addressLine1": "123 Main Street",
        "addressLine2": "Suite 400"
      }
    }
  },
  "purposeOfTransaction": "withdrawal",
  "proofFile": "550e8400-e29b-41d4-a716-446655440000",
  "idorPassportFile": "660e8400-e29b-41d4-a716-446655440001"
}

Request Code Samples

Shell

JavaScript

Java

Swift

PHP

Python

HTTP

Objective-C

Ruby

OCaml

Dart

Responses

🟢200OK

application/json

Bodyapplication/json

Example

{
    "code": 200,
    "msg": "success",
    "data": {
        "fiatWithdrawalId": "WD2026071913310003",
        "participantCode": "B0100348",
        "requireSameNamePayout": false,
        "withdrawalType": 1,
        "currency": "EUR",
        "amount": "150.00",
        "fees": "50.00",
        "swiftChargingCode": null,
        "estimatedAmountReceivable": "100.00",
        "debitAmount": "150.00",
        "feeAmount": "50.00",
        "feeCurrency": "EUR",
        "receivedAmount": "100.00",
        "amountType": 1,
        "feeBearer": 1,
        "to": "9922334455",
        "paymentReference": null,
        "clientReference": "cw-fw-1784439097",
        "purposeOfTransaction": "testing",
        "proofFile": null,
        "idorPassportFile": null,
        "status": 1,
        "statusInfo": "",
        "createdAt": 1784439101000,
        "updatedAt": 1784439101000,
        "bankInfo": {
            "bankAccountNumber": "9922334455",
            "label": "test-au2"
        }
    }
}