> For the complete documentation index, see [llms.txt](https://docs.ur.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ur.app/api-reference/api/account/managed-custody-mode/submit-payout.md).

# Submit payout

Send tokenized fiat from the user's UR account to an external bank account via SEPA or SWIFT. Requires a Live UR account; fees are deducted from the amount, and the payout counts against the rolling 30-day CHF-denominated fiat limit. The response returns only a txHash; the transaction webhook with data.type FIAT\_WITHDRAW reports final settlement.

```json
{"openapi":"3.1.0","info":{"title":"UR API","version":"1.0.0"},"tags":[{"name":"Managed Custody Mode","description":"Server-to-server APIs where UR custodies user funds. Partner Auth (EIP-191) with user identity headers."}],"servers":[{"url":"https://openapi.ur.app","description":"Production (partner API)"},{"url":"https://uropenapi-qa.ur-inc.xyz","description":"Testnet (partner API)"}],"security":[{"partnerAuth":[]},{"userWalletAuth":[]}],"components":{"securitySchemes":{"partnerAuth":{"type":"apiKey","in":"header","name":"X-Api-Signature","description":"Partner Auth: EIP-191 signature by the partner's registered backend key, with X-Api-Deadline and optional X-Api-PublicKey headers. See the Signature and verify guide."},"userWalletAuth":{"type":"apiKey","in":"header","name":"sign","description":"User wallet auth (External Wallet Access Mode): EIP-191 signature by the user's wallet key, with tokenId, network, hash, and deadline headers. See the Signature and verify guide."}},"schemas":{"McSubmitPayoutRequest":{"type":"object","required":["reqId","amount","contactId","currency","metadata"],"properties":{"reqId":{"type":"string","description":"Partner-supplied idempotency key. Keep it stable across retries of the same logical operation."},"amount":{"type":"string","description":"Payout amount as a string. Minimum is currency-specific; see minimalPayoutAmount from the payout fees endpoint. Network and payout fees are deducted from this amount."},"contactId":{"type":"string","description":"Contact ID from the BR profile contacts or from verify-contact."},"currency":{"type":"string","description":"Payout fiat currency symbol."},"purposeId":{"type":"string","description":"Payment purpose ID as a decimal string. Provide together with refId, or omit both."},"refId":{"type":"string","description":"Reference ID from verify-reference or verify-contact. Provide together with purposeId, or omit both."},"metadata":{"$ref":"#/components/schemas/McPayoutMetadata"}}},"McPayoutMetadata":{"type":"object","description":"Additional bank details. Name, address, and reference values must use Latin characters.","properties":{"bankAccountHolder":{"type":"string","description":"Recipient account holder name."},"bankName":{"type":"string","description":"Recipient bank name."},"bankAccount":{"type":"string","description":"Recipient account number or IBAN."},"bankReference":{"type":"string","description":"Bank reference."}}},"McTxHashResponse":{"allOf":[{"$ref":"#/components/schemas/McBaseResponse"},{"type":"object","properties":{"data":{"$ref":"#/components/schemas/McTxHashData"}}}]},"McBaseResponse":{"type":"object","description":"Standard UR OpenAPI response envelope. code 0 means success; a non-zero code is a business error described by message.","required":["code","message"],"properties":{"code":{"type":"integer","description":"0 on success; non-zero business error code."},"message":{"type":"string","description":"Human-readable explanation. May be empty on success."}}},"McTxHashData":{"type":"object","properties":{"txHash":{"type":"string","description":"On-chain transaction hash of the submitted operation. Submission only; final settlement arrives via the transaction webhook."}}}}},"paths":{"/api/fma/v1/submit-payout":{"post":{"tags":["Managed Custody Mode"],"operationId":"mcSubmitPayout","summary":"Submit payout","description":"Send tokenized fiat from the user's UR account to an external bank account via SEPA or SWIFT. Requires a Live UR account; fees are deducted from the amount, and the payout counts against the rolling 30-day CHF-denominated fiat limit. The response returns only a txHash; the transaction webhook with data.type FIAT_WITHDRAW reports final settlement.","parameters":[{"name":"X-Api-Signature","in":"header","required":true,"schema":{"type":"string"},"description":"0x-prefixed 65-byte hex EIP-191 signature over the Partner Auth message. See the Signature and verify guide."},{"name":"X-Api-Deadline","in":"header","required":true,"schema":{"type":"string"},"description":"Unix seconds. UR rejects the request when the current time is past the deadline. Keep the validity window at or under 5 minutes."},{"name":"X-Api-PublicKey","in":"header","required":true,"schema":{"type":"string"},"description":"0x-prefixed partner signer address registered with UR."},{"name":"X-Ur-Id","in":"header","required":false,"schema":{"type":"string"},"description":"Send at least one of X-Ur-Id or X-External-User-Id. When both are present, UR resolves the user by X-Ur-Id first."},{"name":"X-External-User-Id","in":"header","required":false,"schema":{"type":"string"},"description":"Send at least one of X-Ur-Id or X-External-User-Id. When both are present, UR resolves the user by X-Ur-Id first."}],"requestBody":{"required":true,"content":{"application/json":{"schema":{"$ref":"#/components/schemas/McSubmitPayoutRequest"}}}},"responses":{"200":{"description":"Standard envelope. Business errors return HTTP 200 with a non-zero code.","content":{"application/json":{"schema":{"$ref":"#/components/schemas/McTxHashResponse"}}}}}}}}}
```


---

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