Initiate Off-Ramp Withdrawal
curl --request POST \
--url https://api.rach.finance/caas/v1/users/withdraw \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"amount": "0.500000",
"phone": "+2250700000002",
"account_name": "Ama Mensah",
"account_number": "1234567890123",
"bank_code": "GH0100",
"bank_name": "GCB Bank",
"chain": "polygon",
"destination_type": "MOBILE_MONEY",
"idempotency_key": "wdrl_ref_001",
"payout_currency": "XOF",
"payout_mobile": "+2250700000002",
"payout_network": "orange_money",
"save_destination": false,
"token": "USDC",
"use_saved_destination": false
}
'import requests
url = "https://api.rach.finance/caas/v1/users/withdraw"
payload = {
"amount": "0.500000",
"phone": "+2250700000002",
"account_name": "Ama Mensah",
"account_number": "1234567890123",
"bank_code": "GH0100",
"bank_name": "GCB Bank",
"chain": "polygon",
"destination_type": "MOBILE_MONEY",
"idempotency_key": "wdrl_ref_001",
"payout_currency": "XOF",
"payout_mobile": "+2250700000002",
"payout_network": "orange_money",
"save_destination": False,
"token": "USDC",
"use_saved_destination": False
}
headers = {
"X-API-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
amount: '0.500000',
phone: '+2250700000002',
account_name: 'Ama Mensah',
account_number: '1234567890123',
bank_code: 'GH0100',
bank_name: 'GCB Bank',
chain: 'polygon',
destination_type: 'MOBILE_MONEY',
idempotency_key: 'wdrl_ref_001',
payout_currency: 'XOF',
payout_mobile: '+2250700000002',
payout_network: 'orange_money',
save_destination: false,
token: 'USDC',
use_saved_destination: false
})
};
fetch('https://api.rach.finance/caas/v1/users/withdraw', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.rach.finance/caas/v1/users/withdraw",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'amount' => '0.500000',
'phone' => '+2250700000002',
'account_name' => 'Ama Mensah',
'account_number' => '1234567890123',
'bank_code' => 'GH0100',
'bank_name' => 'GCB Bank',
'chain' => 'polygon',
'destination_type' => 'MOBILE_MONEY',
'idempotency_key' => 'wdrl_ref_001',
'payout_currency' => 'XOF',
'payout_mobile' => '+2250700000002',
'payout_network' => 'orange_money',
'save_destination' => false,
'token' => 'USDC',
'use_saved_destination' => false
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-Key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.rach.finance/caas/v1/users/withdraw"
payload := strings.NewReader("{\n \"amount\": \"0.500000\",\n \"phone\": \"+2250700000002\",\n \"account_name\": \"Ama Mensah\",\n \"account_number\": \"1234567890123\",\n \"bank_code\": \"GH0100\",\n \"bank_name\": \"GCB Bank\",\n \"chain\": \"polygon\",\n \"destination_type\": \"MOBILE_MONEY\",\n \"idempotency_key\": \"wdrl_ref_001\",\n \"payout_currency\": \"XOF\",\n \"payout_mobile\": \"+2250700000002\",\n \"payout_network\": \"orange_money\",\n \"save_destination\": false,\n \"token\": \"USDC\",\n \"use_saved_destination\": false\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-Key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.rach.finance/caas/v1/users/withdraw")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"amount\": \"0.500000\",\n \"phone\": \"+2250700000002\",\n \"account_name\": \"Ama Mensah\",\n \"account_number\": \"1234567890123\",\n \"bank_code\": \"GH0100\",\n \"bank_name\": \"GCB Bank\",\n \"chain\": \"polygon\",\n \"destination_type\": \"MOBILE_MONEY\",\n \"idempotency_key\": \"wdrl_ref_001\",\n \"payout_currency\": \"XOF\",\n \"payout_mobile\": \"+2250700000002\",\n \"payout_network\": \"orange_money\",\n \"save_destination\": false,\n \"token\": \"USDC\",\n \"use_saved_destination\": false\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.rach.finance/caas/v1/users/withdraw")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"amount\": \"0.500000\",\n \"phone\": \"+2250700000002\",\n \"account_name\": \"Ama Mensah\",\n \"account_number\": \"1234567890123\",\n \"bank_code\": \"GH0100\",\n \"bank_name\": \"GCB Bank\",\n \"chain\": \"polygon\",\n \"destination_type\": \"MOBILE_MONEY\",\n \"idempotency_key\": \"wdrl_ref_001\",\n \"payout_currency\": \"XOF\",\n \"payout_mobile\": \"+2250700000002\",\n \"payout_network\": \"orange_money\",\n \"save_destination\": false,\n \"token\": \"USDC\",\n \"use_saved_destination\": false\n}"
response = http.request(request)
puts response.read_body{
"message": "<string>",
"status": "<string>",
"withdrawal_id": "<string>"
}{}{}{}{}B2B - Users
Initiate Off-Ramp Withdrawal
Sweeps stablecoin from a customer wallet to the Rach treasury via an ERC-4337 UserOperation, then delivers local currency to the recipient. Payout goes to mobile money or a bank account: set destination_type, or set use_saved_destination to pay the recipient’s own saved account when you know their phone number but not their account details.
Status lifecycle: PENDING → SUBMITTING → SUBMITTED → CRYPTO_RECEIVED → PAYOUT_SUBMITTING → COMPLETED. CRYPTO_RECEIVED means the crypto leg is done and the cash has not landed yet — do not tell a customer they have been paid until COMPLETED, which requires recorded evidence that the payout actually reached them. REFUNDED is a terminal outcome where the payout could not be delivered and the stablecoin was returned to the customer wallet; it is distinct from FAILED, which means nothing ever left the wallet. Never retry on SUBMISSION_UNKNOWN or PAYOUT_UNKNOWN: the operation may already have happened, and Rach reconciles it automatically.
POST
/
v1
/
users
/
withdraw
Initiate Off-Ramp Withdrawal
curl --request POST \
--url https://api.rach.finance/caas/v1/users/withdraw \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"amount": "0.500000",
"phone": "+2250700000002",
"account_name": "Ama Mensah",
"account_number": "1234567890123",
"bank_code": "GH0100",
"bank_name": "GCB Bank",
"chain": "polygon",
"destination_type": "MOBILE_MONEY",
"idempotency_key": "wdrl_ref_001",
"payout_currency": "XOF",
"payout_mobile": "+2250700000002",
"payout_network": "orange_money",
"save_destination": false,
"token": "USDC",
"use_saved_destination": false
}
'import requests
url = "https://api.rach.finance/caas/v1/users/withdraw"
payload = {
"amount": "0.500000",
"phone": "+2250700000002",
"account_name": "Ama Mensah",
"account_number": "1234567890123",
"bank_code": "GH0100",
"bank_name": "GCB Bank",
"chain": "polygon",
"destination_type": "MOBILE_MONEY",
"idempotency_key": "wdrl_ref_001",
"payout_currency": "XOF",
"payout_mobile": "+2250700000002",
"payout_network": "orange_money",
"save_destination": False,
"token": "USDC",
"use_saved_destination": False
}
headers = {
"X-API-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
amount: '0.500000',
phone: '+2250700000002',
account_name: 'Ama Mensah',
account_number: '1234567890123',
bank_code: 'GH0100',
bank_name: 'GCB Bank',
chain: 'polygon',
destination_type: 'MOBILE_MONEY',
idempotency_key: 'wdrl_ref_001',
payout_currency: 'XOF',
payout_mobile: '+2250700000002',
payout_network: 'orange_money',
save_destination: false,
token: 'USDC',
use_saved_destination: false
})
};
fetch('https://api.rach.finance/caas/v1/users/withdraw', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.rach.finance/caas/v1/users/withdraw",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'amount' => '0.500000',
'phone' => '+2250700000002',
'account_name' => 'Ama Mensah',
'account_number' => '1234567890123',
'bank_code' => 'GH0100',
'bank_name' => 'GCB Bank',
'chain' => 'polygon',
'destination_type' => 'MOBILE_MONEY',
'idempotency_key' => 'wdrl_ref_001',
'payout_currency' => 'XOF',
'payout_mobile' => '+2250700000002',
'payout_network' => 'orange_money',
'save_destination' => false,
'token' => 'USDC',
'use_saved_destination' => false
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-Key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.rach.finance/caas/v1/users/withdraw"
payload := strings.NewReader("{\n \"amount\": \"0.500000\",\n \"phone\": \"+2250700000002\",\n \"account_name\": \"Ama Mensah\",\n \"account_number\": \"1234567890123\",\n \"bank_code\": \"GH0100\",\n \"bank_name\": \"GCB Bank\",\n \"chain\": \"polygon\",\n \"destination_type\": \"MOBILE_MONEY\",\n \"idempotency_key\": \"wdrl_ref_001\",\n \"payout_currency\": \"XOF\",\n \"payout_mobile\": \"+2250700000002\",\n \"payout_network\": \"orange_money\",\n \"save_destination\": false,\n \"token\": \"USDC\",\n \"use_saved_destination\": false\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-Key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.rach.finance/caas/v1/users/withdraw")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"amount\": \"0.500000\",\n \"phone\": \"+2250700000002\",\n \"account_name\": \"Ama Mensah\",\n \"account_number\": \"1234567890123\",\n \"bank_code\": \"GH0100\",\n \"bank_name\": \"GCB Bank\",\n \"chain\": \"polygon\",\n \"destination_type\": \"MOBILE_MONEY\",\n \"idempotency_key\": \"wdrl_ref_001\",\n \"payout_currency\": \"XOF\",\n \"payout_mobile\": \"+2250700000002\",\n \"payout_network\": \"orange_money\",\n \"save_destination\": false,\n \"token\": \"USDC\",\n \"use_saved_destination\": false\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.rach.finance/caas/v1/users/withdraw")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"amount\": \"0.500000\",\n \"phone\": \"+2250700000002\",\n \"account_name\": \"Ama Mensah\",\n \"account_number\": \"1234567890123\",\n \"bank_code\": \"GH0100\",\n \"bank_name\": \"GCB Bank\",\n \"chain\": \"polygon\",\n \"destination_type\": \"MOBILE_MONEY\",\n \"idempotency_key\": \"wdrl_ref_001\",\n \"payout_currency\": \"XOF\",\n \"payout_mobile\": \"+2250700000002\",\n \"payout_network\": \"orange_money\",\n \"save_destination\": false,\n \"token\": \"USDC\",\n \"use_saved_destination\": false\n}"
response = http.request(request)
puts response.read_body{
"message": "<string>",
"status": "<string>",
"withdrawal_id": "<string>"
}{}{}{}{}Authorizations
Your Rach B2B API key. Use rach_sk_live_* for production (on-chain) or rach_sk_test_* for sandbox (no-chain simulation).
Body
application/json
Withdrawal request
Example:
"0.500000"
Example:
"+2250700000002"
Example:
"Ama Mensah"
Example:
"1234567890123"
Bank account. Send account_number in whatever format the destination market uses — IBAN for XOF, XAF and Europe, NUBAN for Nigeria, and so on. It is passed through to the payout provider unmodified.
Example:
"GH0100"
Example:
"GCB Bank"
Chain selects the EVM settlement network the funds are drawn from — see TransferRequest.Chain.
Example:
"polygon"
DestinationType selects the payout rail: MOBILE_MONEY (default) or BANK_ACCOUNT.
Example:
"MOBILE_MONEY"
Example:
"wdrl_ref_001"
defaults to XOF
Example:
"XOF"
Mobile money. Required when destination_type is MOBILE_MONEY, unless use_saved_destination is set.
Example:
"+2250700000002"
Example:
"orange_money"
SaveDestination stores the details supplied here against the recipient, so a later payout can use use_saved_destination instead of repeating them.
Example:
false
Example:
"USDC"
UseSavedDestination pays to the recipient's own saved default for this currency instead of details supplied here. Use this when you know the recipient's phone number but not their account — they supply their own details once, on their own channel, and later payouts resolve to them.
Example:
false