Payouts

Payout Overview

Overview of how users can withdraw funds with Coinflow.

What is Coinflow Payouts?

Coinflow Payouts enables platforms to convert crypto balances into fiat payments that land directly in users’ bank accounts or debit cards—instantly in many cases. Whether you’re running a gaming platform, marketplace, or rewards program, Coinflow makes it simple to pay out users globally without managing complex banking relationships or crypto-to-fiat conversion yourself.

Key Benefits

Instant Payouts

Many payout methods deliver funds instantly, 24/7/365

Global Coverage

Support users across US, UK, EU, Brazil, and expanding markets

Simplified Integration

One API handles KYC, bank linking, and payout processing

No Wallet Management

We handle crypto conversion—you focus on your platform

Flexible Source

Pay from your wallet or let users withdraw from theirs

Compliance Built-In

KYC/KYB verification and regulatory compliance included

How It Works

Our payout solution connects to major payment networks globally, including U.S. Real-Time Payments (RTP), European SEPA, and UK Faster Payments. This allows seamless conversion from crypto (USDC/EUROe) to fiat, delivered directly to users’ preferred payout destination.

Withdrawal Options

Withdrawing funds through Coinflow is straightforward and flexible. Users can withdraw in USDC or EUROe, with multiple speed options:

ACH (Standard & Same Day)

US users can be paid via standard or same day ACH to US bank accounts.

  • Same Day: Funds received within 24 business hours
  • Standard: Funds received within 2-3 business days
Real-Time Payments (RTP)

Instant electronic payments operated by The Clearing House. US users receive funds instantly via RTP rails to US bank accounts.

  • Instant Payment: 24/7/365 availability
Push-to-Card

Move money in seconds. Funds transferred instantly and securely to debit cards. Global coverage including US, UK, EU, and key markets worldwide.

  • Instant Payment: 24/7/365 availability
SEPA

EU users can be paid instantly via SEPA to EU bank accounts (IBAN).

UK Faster Payments

UK users can be paid instantly via UK Faster Payments to a UK bank account.

PIX

Brazilian users can be paid instantly via PIX to a Brazilian bank account.

US Banks Eligible for Real Time Payments (RTP)

View the complete list of participating financial institutions on The Clearing House website.

Supported Countries

Direct bank withdrawals are available in select countries. View the complete list of supported countries and currencies. Coinflow is continually expanding our banking partnerships. If a country is not listed, contact the Coinflow team at sales@coinflowlabs.app to request inclusion.

Choose Your Payout Flow

The right payout flow depends on your platform architecture and who controls the crypto assets:

Merchant Payout

You manage user balances

Funds are disbursed from a wallet you control. Best for:

  • Gaming platforms with internal credit systems
  • Marketplaces managing seller payouts
  • Rewards programs tracking user earnings

Source: Your wallet (Coinflow-managed or your own)

User Self-Custodial Wallet Payout

Users control their own wallets

Funds are withdrawn directly from user-owned wallets. Best for:

  • DeFi platforms
  • Web3 gaming with on-chain assets
  • NFT marketplaces
  • Any platform where users hold crypto

Source: User’s self-custodial wallet

Not sure which flow fits your use case?

Most platforms use Merchant Payouts if they manage an internal balance system. User Self-Custodial is ideal when users already have crypto wallets and want direct control. Learn more about payout flows.

Getting Started

Ready to implement payouts? Follow these steps:

1

Choose Your Implementation Method

Select the approach that works best for your team:

2

Set Up KYC Verification

All users must complete identity verification before their first payout. Choose your KYC method:

3

Configure Your Payout Source

Determine where funds will come from:

4

Test Your Integration

Use our sandbox environment to verify your implementation:

Need Help?

Contact support@coinflowlabs.app or check our common FAQs for quick answers.