> ## Documentation Index > Fetch the complete documentation index at: https://docs.xentfi.com/llms.txt > Use this file to discover all available pages before exploring further. # Execute a withdrawal > Converts stablecoins held in your managed wallet to fiat and pays out to the bank account. In one call we: validate `paymentMethodData`; set up the payout with the provider (the recipient's account name is verified **before** any funds move); check the rate against your quote (rejects if it moved beyond tolerance); then send the stablecoin from your wallet. The response is `funds_sent`; everything after is asynchronous. **Idempotent:** retrying with the same `reference` and `sessionId` returns the same withdrawal and never sends twice. A `reference` reused with a different quote returns 409. A quote can be used once. **Failure before funds move** (name mismatch, rate moved, provider rejection) leaves the withdrawal `failed` with `failureStage`; nothing is debited. **Webhook events:** `offramp.created`, `offramp.funds_sent`, `offramp.processing`, `offramp.completed`, `offramp.failed`, `offramp.refund_required`, `offramp.refunded`. **Flow:** `GET /currencies` → `GET /assets` → `GET /payment-methods` (render the JSON Schema; for NGN/GHS get `bankCode`s from `GET /banks`) → `POST /quotes` (rate lock, ~2 min) → `POST /withdrawals` → track via `offramp.*` webhooks or `GET /withdrawals/{id}`. **Routing is automatic:** NGN/GHS are paid out through our local African corridor; USD (wire/ACH) and EUR (SEPA) through our global corridor. USD/EUR payouts require an onboarded `customerId` (see Customer Onboarding). ## OpenAPI ````yaml /api-reference/openapi.json post /v1/offramp/withdrawals openapi: 3.0.3 info: title: XentFi API version: 1.0.0 description: >- API documentation for XentFi.The XentFi API gives you access to pretty much all the features you can use on our dashboard and lets you extend them for use in your application. It strives to be RESTful and is organized around the main resources you would be interacting with - with a few notable exceptions. servers: - url: https://api.xentfi.com description: Production server security: [] tags: [] paths: /v1/offramp/withdrawals: post: tags: - Off-ramp summary: Execute a withdrawal description: >- Converts stablecoins held in your managed wallet to fiat and pays out to the bank account. In one call we: validate `paymentMethodData`; set up the payout with the provider (the recipient's account name is verified **before** any funds move); check the rate against your quote (rejects if it moved beyond tolerance); then send the stablecoin from your wallet. The response is `funds_sent`; everything after is asynchronous. **Idempotent:** retrying with the same `reference` and `sessionId` returns the same withdrawal and never sends twice. A `reference` reused with a different quote returns 409. A quote can be used once. **Failure before funds move** (name mismatch, rate moved, provider rejection) leaves the withdrawal `failed` with `failureStage`; nothing is debited. **Webhook events:** `offramp.created`, `offramp.funds_sent`, `offramp.processing`, `offramp.completed`, `offramp.failed`, `offramp.refund_required`, `offramp.refunded`. **Flow:** `GET /currencies` → `GET /assets` → `GET /payment-methods` (render the JSON Schema; for NGN/GHS get `bankCode`s from `GET /banks`) → `POST /quotes` (rate lock, ~2 min) → `POST /withdrawals` → track via `offramp.*` webhooks or `GET /withdrawals/{id}`. **Routing is automatic:** NGN/GHS are paid out through our local African corridor; USD (wire/ACH) and EUR (SEPA) through our global corridor. USD/EUR payouts require an onboarded `customerId` (see Customer Onboarding). operationId: createOfframpWithdrawal requestBody: required: true content: application/json: schema: type: object required: - sessionId - reference - paymentMethod - paymentMethodData properties: sessionId: type: string format: uuid reference: type: string pattern: ^[A-Za-z0-9_-]{8,64}$ description: Your unique idempotency reference paymentMethod: type: string example: bank_transfer paymentMethodData: type: object description: Validated against the payment method's schema example: bankCode: 58 accountNumber: 123456789 accountHolderFirstName: Ada accountHolderLastName: Obi customerId: type: string format: uuid description: Required for USD/EUR — an onboarded customer note: type: string metadata: type: object responses: '201': description: Withdrawal accepted and funded content: application/json: schema: type: object properties: data: type: object properties: id: type: string format: uuid reference: type: string status: type: string enum: - initiated - awaiting_funds - funding - funds_sent - processing - completed - refund_required - refunded - failed walletId: type: string assetId: type: string customerId: type: string nullable: true currency: type: string paymentMethod: type: string sourceAmount: type: string fiatAmount: type: string rate: type: string fee: type: string recipient: type: object nullable: true description: 'Masked: account numbers show last 4 digits only' transactionHash: type: string nullable: true description: On-chain hash of the funding transfer from your wallet failureReason: type: string nullable: true failureStage: type: string nullable: true enum: - provider_setup - rate_moved - funding - provider - abandoned refundDetailsRequired: type: boolean note: type: string nullable: true metadata: type: object nullable: true createdAt: type: string format: date-time updatedAt: type: string format: date-time completedAt: type: string format: date-time nullable: true '400': description: >- Validation / name mismatch / funding failed (details.transactionId set when a record exists) content: application/json: schema: type: object properties: error: type: object properties: code: type: string example: NOT_FOUND message: type: string example: Wallet not found timestamp: type: string format: date-time requestId: type: string '404': description: Quote session or customer not found content: application/json: schema: type: object properties: error: type: object properties: code: type: string example: NOT_FOUND message: type: string example: Wallet not found timestamp: type: string format: date-time requestId: type: string '409': description: >- Quote used/expired, rate moved, reference conflict, or customer not approved content: application/json: schema: type: object properties: error: type: object properties: code: type: string example: NOT_FOUND message: type: string example: Wallet not found timestamp: type: string format: date-time requestId: type: string security: - ApiKeyAuth: [] OrgIdAuth: [] components: securitySchemes: ApiKeyAuth: type: apiKey in: header name: apiKey OrgIdAuth: type: apiKey in: header name: orgId ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.