> ## Documentation Index
> Fetch the complete documentation index at: https://docs.onstacks.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Payouts

> Send local currency to a bank account or mobile money wallet from a backend job.

A payout is an off-ramp payment created without a person in the loop.

<Steps>
  <Step title="Resolve the destination">
    `GET /v1/ramp/banks?country_code=NG` lists accepted banks. `POST /v1/ramp/banks/resolve` with `bank_code` and `account_number` returns the account holder's name so you catch typos before money moves.
  </Step>

  <Step title="Create the payment">
    `POST /v1/ramp/payments` with `direction: off_ramp`, the source stablecoin and amount, the destination asset and country, the rail, and the typed destination. Onstacks selects the provider. Send an `idempotency_key` so a retried job never pays twice.
  </Step>

  <Step title="Track to completion">
    Poll `GET /v1/ramp/payments/{reference}` or subscribe to `ramp.payment.succeeded` and `ramp.payment.failed`.
  </Step>
</Steps>

For mobile money markets use the `mobile_money` destination with the operator code and phone number; the rail is `mobile_money`.


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