How to let your users cash out crypto to their bank account
Turn a USDC or USDT wallet balance into a SEPA Instant or ACH transfer to the user's own bank account.
Wallets, trading apps, crypto payment processors and any platform whose users receive USDC or USDT and need euros or dollars on their bank account.
Create a test wallet, simulate a deposit, then send a test SEPA payout to the same customer's IBAN.
"How do I get my money out?" is the question every crypto product has to answer. Sending users to an exchange to sell and withdraw works, but it means you lose them at the exact moment they get value from your product.
The KemyCard API gives you both ends of the flow: deposit wallets to receive stablecoins, and bank payouts to send euros by SEPA Instant or dollars by ACH to the user's own account.
Receive: a deposit wallet per user
POST /v1/wallets creates a deposit address for a customer on the network you choose:
blockchain | Asset |
|---|---|
| ethereum | USDC |
| base | USDC |
| solana | USDC |
| tron | USDT (TRC-20) |
When funds arrive, the deposit is credited to your partner collection account, net of fees, and you receive wallet.deposit_received to update the user's balance in your app.
curl https://api.kemycard.com/v1/wallets \
-H "Authorization: Bearer sk_test_..." \
-H "Content-Type: application/json" \
-d '{ "customer_code": "CUSTOMER_CODE", "blockchain": "base" }'Send: the cash-out to a bank account
- Save the user's bank account once with
POST /v1/payouts/beneficiaries: IBAN and BIC for SEPA, or account and routing number for ACH. - Show the exact cost.
POST /v1/payouts/quotesreturns the fee and the total. Display it before the user confirms. - Confirm.
POST /v1/payoutswith the quote and your reference. The transfer is paid from your KemyCard balance. - Notify the user on
payout.completed, or refund their balance in your app onpayout.refunded.
Limits per transfer
| Method | Per transfer |
|---|---|
| ACH US Standard | $100 to $2,499 |
| SEPA Instant EU | $25 to $2,499 |
| RTP US Instant | $100 to $2,499 |
Fees by plan
Wallet creation costs $1. Payout fees depend on your plan:
| Plan | Price | Payout ACH / SEPA | Payout RTP Instant |
|---|---|---|---|
| Découverte | $0/mo | $6 + 2.5% | — |
| Starter | $750/mo | $5 + 2% | $7 + 2% |
| Business | $999/mo | $5 + 1.75% | $7 + 1.75% |
| Premium | $1,999/mo | $5 + 1.5% | $7 + 1.5% |
Payouts are included in the free Découverte plan up to $5,000 per month. Paid plans have no monthly cap. See the payouts guide for every field.
Build this on the free Découverte plan
No monthly fee to start, an unlimited sandbox with test keys, and the same API you will use in production. Upgrade only when your volume grows.
