> ## Documentation Index > Fetch the complete documentation index at: https://docs.stablestack.com/llms.txt > Use this file to discover all available pages before exploring further. # Create Bank Withdrawal > API reference for creating withdrawal payouts to bank accounts Creates a withdrawal payout to a bank account. Supports both customer and merchant withdrawals. ### Key Features: * Supports multiple currencies and banks * Handles both customer and merchant payouts * Includes recipient verification details ### Request Body: **Bank Withdrawal**: ```json theme={null} { "customer_id": "85b148ab-3f6b-4d55-917f-3c8de668a48e", //optional "currency": "USDC", "account_number": "1234567890", "bank_name": "United Bank for Africa", "bank_code": "000004", "amount": "100", "recipient_name": "John Doe", "recipient_currency": "NGN", "recipient_country": "Nigeria" } ``` ## OpenAPI ````yaml POST /payouts/banks openapi: 3.0.0 info: title: 'StableStack: API Service' description: "# Overview\n\n## Introduction\n\nStableStack offers an API first, last mile payment orchestration + liquidity router built with stablecoins. Stablecoin layer integrated into your existing payment flow, with smart accounts and blockchain abstraction. Go between digital and fiat currencies in minutes.\n\n## Getting Help\n\nWe're excited to have you build with us! If you're integrating, we will set up a communication channel. This will enable our teams to easily collaborate and ensure you launch as quickly as possible.\n\nPlease reach out to us at\_[hello@stablestack.xyz](https://mailto:hello@stablestack.xyz)\_for any questions or concerns." version: 1.0.0 servers: - url: https://api-staging.stablestack.com/api description: StableStack API security: [] tags: - name: customers - name: customers > kyc - name: payouts - name: banks - name: transactions - name: wallets - name: assets - name: swap paths: /payouts/banks: post: tags: - payouts summary: Create bank withdrawal description: Creates a withdrawal payout to a bank account parameters: - name: x-api-key in: header schema: type: string required: true example: merchant_api_key_12345 requestBody: required: true content: application/json: schema: type: object required: - currency - account_number - bank_name - bank_code - amount - payment_purpose - recipient_name - recipient_currency - recipient_country properties: customer_id: type: string format: uuid nullable: true description: Required for customer withdrawals example: 85b148ab-3f6b-4d55-917f-3c8de668a48e currency: type: string enum: - USDC example: USDC account_number: type: string example: '1234567890' bank_name: type: string example: United Bank for Africa bank_code: type: string example: '000004' amount: type: string example: '100' recipient_name: type: string example: John Doe recipient_currency: type: string enum: - NGN - ZAR example: NGN recipient_country: type: string enum: - Nigeria - South Africa example: Nigeria payment_purpose: type: string enum: - CAPITAL_CONTRIBUTIONS - CHARITABLE_CONTRIBUTIONS - CONSULTING_FEES - CORPORATE_TAX_PAYMENTS - DOWN_PAYMENTS_FOR_REAL_ESTATE - EDUCATION_FEES - EMPLOYEE_SALARIES_OR_WAGES - EXPENSES_REIMBURSEMENT - GIFTS - GOVERNMENT_GRANTS - INCOME_TAX_PAYMENTS - INHERITANCE_PAYMENTS - INSURANCE_CLAIM_PAYOUTS - INSURANCE_PREMIUM_PAYMENTS - INVESTMENTS - LOAN_ADVANCES - MORTGAGE_PAYMENTS - OTHER - PAYMENT_FOR_GOODS_AND_SERVICES - PERSONAL_TRANSFERS - REAL_ESTATE_PURCHASES - REMITTANCES - RENT - REPAYMENT_OF_LOANS - ROYALTIES - TRUST_FUND_DISTRIBUTIONS - UTILITY_BILLS - WELFARE_OR_BENEFITS - WINNINGS_AND_PRIZES example: Salary payment narration: type: string nullable: true description: Optional note or reference for the transaction example: Salary payment - May 2026 transfer_type: type: string nullable: true description: Required for USD payouts. Transfer rail to use. enum: - ach - fed_wire - swift example: ach examples: customerWithdrawalNGN: summary: Customer NGN withdrawal value: customer_id: 85b148ab-3f6b-4d55-917f-3c8de668a48e currency: USDC account_number: '1234567890' bank_name: United Bank for Africa bank_code: '000004' amount: '100' recipient_name: John Doe recipient_currency: NGN recipient_country: Nigeria narration: Salary payment - May 2026 customerWithdrawalUSD: summary: Customer USD withdrawal (ACH) value: customer_id: 85b148ab-3f6b-4d55-917f-3c8de668a48e currency: USDC account_number: '000123456789' bank_name: Chase bank_code: '021000021' amount: '20000' recipient_name: Jane Smith recipient_currency: USD recipient_country: United States transfer_type: ach narration: Vendor payment merchantWithdrawal: summary: Merchant NGN withdrawal value: currency: USDC account_number: '1234567890' bank_name: United Bank for Africa bank_code: '000004' amount: '100' recipient_name: John Doe recipient_currency: NGN recipient_country: Nigeria narration: Salary payment - May 2026 responses: '200': description: Withdrawal created successfully content: application/json: schema: type: object properties: status: type: string example: success data: type: object properties: id: type: string format: uuid example: f3394f78-682b-4d28-9cf6-53858fb8216f sender_wallet_id: type: string format: uuid nullable: true example: null receiver_wallet_id: type: string format: uuid nullable: true example: null transaction_id: type: string example: EF40X2S02U asset_code: type: string example: USDC amount: type: string example: '100.00000000' reference_id: type: string format: uuid example: 6b522909-45c9-406d-ac11-b645b79a0202 status: type: string example: PROCESSING created_at: type: string format: date-time example: '2025-05-27T11:27:29.061Z' updated_at: type: string format: date-time example: '2025-05-27T11:27:29.061Z' crypto_transaction_id: type: string nullable: true example: null network: type: string nullable: true example: null transaction_type: type: string example: PAYOUT transaction_mode: type: string example: DEBIT exchange_rate: type: string nullable: true example: null withdrawal_recipient_name: type: string example: John fee: type: string nullable: true example: null balance: type: string example: '0.00000000' reason: type: string example: Withdraw to 1234567890/000004 customer_id: type: string format: uuid nullable: true example: 85b148ab-3f6b-4d55-917f-3c8de668a48e recipient_currency: type: string example: NGN recipient_country: type: string example: Nigeria bank_name: type: string example: United Bank for Africa bank_code: type: string example: '000004' address: type: string nullable: true example: null bank_account: type: string example: '1234567890' amount_fiat: type: string example: '0.00000000' fiat_reference_id: type: string nullable: true example: null narration: type: string nullable: true example: Salary payment - May 2026 transfer_type: type: string nullable: true example: ach walapay_transfer_type: type: string nullable: true example: LOCAL '400': description: Invalid request content: application/json: schema: type: object properties: status: type: string example: error message: type: string example: Error message code: type: string example: ERROR_CODE ````