Off-ramp
Converting tokenised balance back to fiat payout on local and international rails
What an off-ramp does
An off-ramp reverses the on-ramp: digital balance exits the network as fiat (or external crypto) paid to the user's bank, mobile-money wallet, or cash agent. Payout executes only after the withdrawal is authorised and balance is available—whether the source asset is USDC, EURC, XOFC, or another supported stablecoin.
User outcome
The user requests withdrawal; PayLink Off-Ramp processes the conversion and triggers payout on the selected rail. Status transitions arrive through Echo so your app can show progress from pending to completed or failed.
Balance and failure rules
Verify sufficient balance before accepting a withdrawal. If payout fails after balance is debited, you need a clear retry or refund policy. Idempotency on the request prevents double withdrawal when clients retry on flaky networks.
Payout rail selection
| Destination | Example rail | Use case |
|---|---|---|
| US bank account | ACH / wire | Dollar corridor payouts |
| EU bank account | SEPA | Euro supplier payments |
| Regional mobile money | Local aggregator | Retail cash-out in emerging markets |
| International banking | Cross-border partner | B2B, diaspora, freelancer payouts |