Make a Cross-Border Payout

This quickstart takes an approved customer from a destination bank account to a completed international payout: register the account, get a quote, and create the transfer.

Before you begin

Complete the shared setup steps: get your API keys, configure webhooks, and get your customer through compliance approval. Cross-border payouts also need the separate payments verification described in Payments Compliance, since Rain gates money movement independently from card-issuing approval.

Create a payment account

Register your customer’s destination bank account as a payment account. The required fields vary by destination country; this example registers a Colombian account.

curl -X POST https://api.rain.xyz/v1/payment-accounts \
  -H "Api-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "externalFiatAccount",
    "userId": "11111111-1111-1111-1111-111111111111",
    "nickname": "Maria Colombia Account",
    "externalFiatAccount": {
      "currency": "cop",
      "rail": "co_ach",
      "thirdParty": false,
      "beneficiaryType": "individual",
      "beneficiaryFirstName": "Maria",
      "beneficiaryLastName": "Garcia",
      "beneficiaryAddress": {
        "line1": "Calle 100 #15-20",
        "city": "Bogota",
        "region": "Bogota D.C.",
        "postalCode": "110111",
        "countryCode": "CO"
      },
      "bankName": "Bancolombia",
      "accountNumber": "12345678901"
    }
  }'

See Create a Payment Account for the full request reference, and Offramps with Transfers for the required fields for Mexico and Brazil.

Create a quote

Request a quote for the amount your customer wants to send. A quote locks in the exchange rate and fees until the time in its expiresAt field.

curl -X POST https://api.rain.xyz/v1/quotes \
  -H "Api-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "userId": "11111111-1111-1111-1111-111111111111",
    "source": {
      "amount": "100",
      "currency": "usdc",
      "rail": "base"
    },
    "destination": {
      "currency": "cop",
      "rail": "co_ach",
      "address": {
        "type": "paymentAccount",
        "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479"
      }
    }
  }'

Response

{
  "id": "8a2b3c4d-5e6f-7081-abcd-ef1234567890",
  "source": {
    "amount": "100",
    "currency": "usdc",
    "rail": "base"
  },
  "destination": {
    "amount": "415000",
    "currency": "cop",
    "rail": "co_ach",
    "address": {
      "type": "paymentAccount",
      "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479"
    }
  },
  "exchangeRate": 4200,
  "fees": {
    "rain": {
      "currency": "usdc",
      "amount": "1",
      "amountUSD": "1"
    },
    "sender": {
      "currency": "usdc",
      "amount": "0.5",
      "amountUSD": "0.5"
    }
  },
  "expiresAt": "2026-08-27T10:45:00.000Z"
}

Show your customer the exchange rate, fees, and destination amount before they confirm. See Create a Quote for the full reference.

Create a transfer

If your customer accepts the quote, create a transfer from it. Every transfer request needs a refundAddress, the onchain address Rain sends funds back to if the transfer fails, and a unique idempotency-key header so a retried request doesn’t create a duplicate transfer.

curl -X POST https://api.rain.xyz/v1/transfers \
  -H "Api-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "idempotency-key: unique-request-id-12345" \
  -d '{
    "quoteId": "8a2b3c4d-5e6f-7081-abcd-ef1234567890",
    "refundAddress": "0x1234567890abcdef1234567890abcdef12345678"
  }'

The response includes a depositAddress: the onchain address your customer sends stablecoin to.

Response

{
  "id": "1234abcd-5678-7091-9ef0-23456789abcd",
  "type": "transfer",
  "transfer": {
    "userId": "11111111-1111-1111-1111-111111111111",
    "status": "pending",
    "quoteId": "8a2b3c4d-5e6f-7081-abcd-ef1234567890",
    "expiresAt": "2026-08-27T11:40:00.000Z",
    "depositAddress": {
      "type": "onchain",
      "address": "0xabcdef1234567890abcdef1234567890abcdef12"
    }
  }
}

See Create a Transfer for the full request and response reference.

The depositAddress is unique to this transfer. Only send the exact source amount and currency (for example, 100 USDC on Base) to this address. Sending other tokens or the wrong amount can cause a failed transfer or a loss of funds.

Funds arrive

Once your customer sends stablecoin to the deposit address, Rain converts it and pays out to the destination bank account you registered in step 1, no additional API call needed.Rain notifies you as the transfer progresses through the transactionTransfer webhooks. See Transaction Webhooks for the full lifecycle, payload, and transfer status values.

What’s next

Offramps with Transfers

See the full guide, including field requirements for Mexico and Brazil, error handling, and best practices.

Payments Compliance

Understand account-owner verification, transaction monitoring, and on-chain screening.

Transaction Webhooks

Track a transfer from creation through settlement.

Welcome

Core Concepts

Quickstart

Platform Policies

Go Live

Make a Cross-Border Payout

Before you begin

What’s next

Offramps with Transfers

Payments Compliance

Transaction Webhooks

​Before you begin

​What’s next

Offramps with Transfers

Payments Compliance

Transaction Webhooks

Before you begin

What’s next