> ## Documentation Index > Fetch the complete documentation index at: https://developers.stablepay.ai/llms.txt > Use this file to discover all available pages before exploring further. # Create Payout > Submit a stablecoin-to-fiat payout. ## OpenAPI ````yaml POST /v1/payments/out openapi: 3.0.3 info: title: Stablepay Money API description: > The Stablepay Money API enables wallet issuers to execute stablecoin-to-fiat payouts across Sub-Saharan Africa via M-Pesa, mobile money, and bank transfers. version: 0.5.0 contact: name: Stablepay Engineering email: hello@stablepay.io servers: - url: https://api.stablepay.ai description: Production security: - BearerAuth: [] tags: - name: Health description: Service liveness check. - name: FX description: Live FX rate conversion between USDC and local fiat currencies. - name: Payments description: Submit and track stablecoin-to-fiat payout requests. - name: Balances description: >- Live on-chain USDC and native token balances for the tenant's custody wallets. - name: Analytics description: >- Pre-aggregated payment analytics — volume, success rates, corridor breakdowns, and daily time series. - name: Customers description: | KYC API for DeFi wallets. Onboard and verify your end-users, then link their wallet addresses so verified identity travels with their on-chain activity. - name: Webhooks description: Register endpoints and manage outbound event delivery. - name: Admin description: >- Ops-only endpoints for tenant management and payment operations. Requires an admin-scoped API key. paths: /v1/payments/out: post: tags: - Payments summary: Submit a money-out payment description: Submit a stablecoin-to-fiat payout. operationId: submitMoneyout parameters: - name: Idempotency-Key in: header required: true schema: type: string description: Client-generated UUID. Required to prevent duplicate payments. example: 550e8400-e29b-41d4-a716-446655440000 requestBody: required: true content: application/json: schema: type: object properties: fiatAmount: type: number description: The payment amount in local currency. example: 1350 sourceCurrency: $ref: '#/components/schemas/CurrencyIn' description: Stablecoin sent onchain for payment settlement. destinationCurrency: $ref: '#/components/schemas/CurrencyOut' description: Fiat currency received by the recipient. country: $ref: '#/components/schemas/Country' blockchain: $ref: '#/components/schemas/Blockchain' description: Supported blockchains for onchain settlement. paymentMethod: $ref: '#/components/schemas/PaymentMethod' description: >- The supported payment method used to deliver funds to the recipient. accountName: type: string description: Recipient full name associated with the payment method. example: Jane Doe accountNumber: type: string description: > The account number of the payment method. Must be in E.164 format with the + prefix when paymentMethod is MOMO. example: '+254712345678' paymentCode: $ref: '#/components/schemas/PaymentCode' description: > Available MNO options: MPESA, MTN, AIRTEL, TIGO, ZAMTEL, HALOTEL, VODAFONE, VODACOM, ORANGE, MOOV, FREE, TIPS. Available BANK options: OPAY, BANKCODE. reference: type: string description: Wallet issuer's unique reference. example: csh-txn-20260506-001 paymentIdentifier: type: string description: >- A method-specific identifier required for processing the payment. Examples include BVN (BANK) Paybill business number (PAYBILL), or other market specific references. example: '123456' customerId: type: string description: >- The customer this payment is for. Required when KYC is enabled for your account. example: cus_01KXG3R0X8DXTKB849FFFEPT7Y required: - fiatAmount - sourceCurrency - destinationCurrency - country - blockchain - paymentMethod - accountName - accountNumber - paymentCode - reference examples: kesBscMomo: summary: KES via M-Pesa on BSC value: fiatAmount: 1350 sourceCurrency: USDC destinationCurrency: KES country: KE blockchain: BSC paymentMethod: MOMO accountName: Jane Doe accountNumber: '+254712345678' paymentCode: MPESA reference: csh-txn-20260506-001 xafSolana: summary: XAF via MTN MoMo on Solana value: fiatAmount: 5000 sourceCurrency: USDC destinationCurrency: XAF country: CM blockchain: SOLANA paymentMethod: MOMO accountName: Jean Dupont accountNumber: '+237612345678' paymentCode: MTN reference: csh-txn-20260506-002 responses: '202': description: Payment accepted. Processing is async. Poll or await webhook. content: application/json: schema: type: object properties: paymentId: type: string description: Use this ID to track the payment status. example: pay_01HV8KZMRJPQR9S7T3XABCDEF status: type: string example: provider_accepted providerRef: type: string nullable: true description: Provider's internal transaction ID. createdAt: type: string format: date-time required: - paymentId - status - createdAt '400': description: Validation error (missing field or bad format). content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '401': description: Invalid or missing API key. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '409': description: >- Idempotency key conflict — same key used with a different request body. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '422': description: > Insufficient on-chain USDC balance — the tenant's wallet holds less USDC than the payment requires. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: statusCode: 422 code: insufficient_balance message: >- Insufficient balance on SOLANA: requested 10.500000 USDC, available 3.200000 USDC. '502': description: > Provider circuit breaker is open — the payment provider has experienced repeated failures and is temporarily unavailable. The response includes an estimated retry time. No payment record is created. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: statusCode: 502 code: provider_unavailable message: circuit open — retrying in ~45s components: schemas: CurrencyIn: type: string enum: - USDC - USDT description: Stablecoin sent onchain for payment settlement. CurrencyOut: type: string enum: - CDF - GHS - KES - NGN - TZS - UGX - XAF - XOF - ZAR - ZMW description: Fiat currency received by the recipient. Country: type: string enum: - BF - BJ - CD - CI - CM - GH - KE - NG - SN - TZ - UG - ZA - ZM description: Recipient country code. Blockchain: type: string enum: - BSC - SOLANA description: Supported blockchains for onchain settlement. PaymentMethod: type: string enum: - BANK - MOMO - PAYBILL - TILL description: The supported payment method used to deliver funds to the recipient. PaymentCode: type: string description: > Mobile network operator or bank code. Required for money-out payments. MNO options: MPESA, MTN, AIRTEL, TIGO, ZAMTEL, HALOTEL, VODAFONE, VODACOM, ORANGE, MOOV, FREE. Bank options: OPAY, PALMPAY, MONIEPOINT. Use the List Supported Banks endpoint to look up the bankCode for recipient's bank. ErrorResponse: type: object properties: statusCode: type: integer example: 400 code: type: string description: Machine-readable error code. example: validation_error message: type: string description: Human-readable error message. example: fiatAmount must be a positive number. required: - statusCode - message securitySchemes: BearerAuth: type: http scheme: bearer description: | Stablepay API key. Include as `Authorization: Bearer `. ````