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

# Fiat Transfers Quickstart

> Set up fiat funding and withdraw flows in the Sandbox environment.

This guide walks you through the steps to [send fiat to the Paxos Platform](#funding) as well as [move money to an external bank account](#withdrawal) using the [Fiat Transfers](/api-reference/endpoints/fiat-transfers), [Transfers](/api-reference/endpoints/transfers) and [Profiles](/api-reference/endpoints/profiles) APIs.
Once completed, similar workflows can be implemented in Production.
If you already have a [Sandbox Account](https://dashboard.sandbox.paxos.com), this guide should take less than one hour to complete.

## Authenticate in Sandbox

Both the [funding](#funding) and [withdrawal](#withdrawal) flows require the same scopes, so for simplicity one authentication call should be all you need to complete both flows.

> When [creating API credentials](/guides/developer/credentials) via the Dashboard, the `transfer:write_sandbox_fiat_deposit` scope may not appear in the UI.
> Including the scope when [authenticating](/guides/developer/authenticate) may result in an `invalid_scope` error.
> Contact [Support](https://support.paxos.com) if you run into any issues using this scope.

Add the `transfer:read_fiat_account`, `transfer:write_fiat_account`, `transfer:read_fiat_deposit_instructions`, `transfer:write_fiat_deposit_instructions`, `transfer:write_fiat_withdrawal`, `transfer:write_sandbox_fiat_deposit`, `transfer:read_transfer` and `funding:read_profile` scopes to your [Sandbox Account](https://dashboard.sandbox.paxos.com)
under the [API Management](https://dashboard.sandbox.paxos.com/admin/api) setting and then authenticate in Sandbox using the scopes.

```shell highlight={5} theme={null}
curl --location 'https://oauth.sandbox.paxos.com/oauth2/token' \
--form grant_type=client_credentials \
--form client_id={paxos_client_id} \
--form client_secret={paxos_secret} \
--form scope='transfer:read_fiat_account transfer:write_fiat_account transfer:read_fiat_deposit_instructions transfer:write_fiat_deposit_instructions transfer:write_fiat_withdrawal transfer:write_sandbox_fiat_deposit transfer:read_transfer funding:read_profile'
```

Confirm the response includes requisite scopes and save the `access_token` to use in the request authorization header
throughout this guide.

```json highlight={3-4} theme={null}
{
 "access_token": "{access_token}",
 "expires_in": 3599, // Seconds (59 Minutes and 59 Seconds)
 "scope": "transfer:read_fiat_account transfer:write_fiat_account transfer:read_fiat_deposit_instructions transfer:write_fiat_deposit_instructions transfer:write_fiat_withdrawal transfer:write_sandbox_fiat_deposit transfer:read_transfer funding:read_profile",
 "token_type": "bearer"
}
```

<Tip>
  You must include the Authorization header with your bearer token on all API requests `-H "Authorization: Bearer $TOKEN"`.
</Tip>

## Funding Flow

To move USD onto the platform, first use [Create Fiat Deposit Instructions](/api-reference/endpoints/fiat-transfers/create-fiat-deposit-instructions) to retrieve the Paxos banking information and specify which [Profile](/api-reference/endpoints/profiles) balance to credit.
Then, use the returned banking information, found in `fiat_network_instructions` object, along with the `memo_id`, to transfer funds to Paxos.

We'll be following the recommended fiat deposit workflow:

* [Authenticate in Sandbox](#authenticate).
* Get instructions from Paxos on how to deposit fiat using [Create Fiat Deposit Instructions](/api-reference/endpoints/fiat-transfers/create-fiat-deposit-instructions).
* Send a wire (SWIFT, Fedwire) or CUBIX transfer to Paxos, referencing the `memo_id` provided in the deposit instructions.
* Check the status of the deposit using [List Transfers](/api-reference/endpoints/transfers/list-transfers).
* View updated balances using [Get Profile Balance](/api-reference/endpoints/profiles/get-profile-balance).

### ➊ Create Fiat Deposit Instructions

Get instructions from Paxos on how to deposit fiat using [Create Fiat Deposit Instructions](/api-reference/endpoints/fiat-transfers/create-fiat-deposit-instructions).

<Info>
  * For wires, use `fiat_network` “WIRE”. Specify international (SWIFT) or US (Fedwire) by setting `routing_number_type`
    to “ABA” (for Fedwire) or “SWIFT” (for SWIFT).
  * For CUBIX, use `fiat_network` CUBIX. Do not use `routing_number_type`.
</Info>

### Corporate Funding

Retrieve the `profile_id` and `identity_id` (optional) from your records. Use your omnibus `profile_id` and optionally your corporate `identity_id` created for you by Paxos.

Create deposit instructions for international wires. Include the following body parameters in the request:

```shell highlight={5,7} theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/fiat-deposit-instructions' \
--request 'POST' \
--header 'Authorization: Bearer {access_token}' \
--data '{
  "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
  "fiat_network": "WIRE",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68", // Optional.
  "ref_id": "idempotence_id",
  "routing_number_type": "SWIFT",
  "metadata": {
    "my_id": "4024ee50-eefb-4f2e-85c7-e7899c0b7da5"
  }
}'
```

Upon successful request, the acknowledgment response confirms your request has been received.

```json highlight={8} theme={null}
{
  "id": "f190b163-208f-4d73-8deb-4fb8b24add00",
  "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68", // Optional.
  "created_at": "2024-01-28T04:23:11.738801Z",
  "ref_id": "idempotence_id",
  "status": "VALID",
  "memo_id": "9CFXQSCMSPLFHXLZ",
  "fiat_network_instructions": {
    "wire": {
      "account_number": "7339119",
      "fiat_account_owner_address": {
        "country": "US",
        "address1": "450 Lexington Ave. #3952",
        "city": "New York",
        "province": "NY",
        "zip_code": "10163"
      },
      "routing_details": {
        "routing_number_type": "SWIFT",
        "routing_number": "031302971",
        "bank_name": "Customers Bank",
        "bank_address": {
          "country": "USA",
          "address1": "701 Reading Avenue",
          "city": "West Reading",
          "province": "PA",
          "zip_code": "19611"
        }
      }
    },
    "fiat_account_owner": {
      "institution_details": {
        "name": "Paxos Trust Company, LLC"
      }
    },
    "metadata": {
      "my_id": "4024ee50-eefb-4f2e-85c7-e7899c0b7da5"
    }
  }
}

```

You will need the `memo_id` from the response on the next step in order to fund the Profile.

### End User Funding

Retrieve the user’s `profile_id`, `identity_id` and `account_id` from your records.
Create deposit instructions for international wires (SWIFT) for end user funding.
Include the following body parameters in the request:

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/fiat-deposit-instructions' \
--request 'POST' \
--header 'Authorization: Bearer {access_token}' \
--data '{
    "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
    "fiat_network": "WIRE",
    "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
    "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
    "ref_id": "idempotence_id",
    "routing_number_type": "SWIFT",
    "metadata":
    {
      "my_id": "4024ee50-eefb-4f2e-85c7-e7899c0b7da5"
    }
}'
```

Upon successful request, the acknowledgment response confirms your request has been received.

```json theme={null}
{
  "id": "f190b163-208f-4d73-8deb-4fb8b24add00",
  "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
  "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
  "created_at": "2024-01-28T04:23:11.738801Z",
  "ref_id": "idempotence_id",
  "status": "VALID",
  "memo_id": "9CFXQSCMSPLFHXLY",
  "fiat_network_instructions": {
    "wire": {
      "account_number": "7339119",
      "fiat_account_owner_address": {
        "country": "US",
        "address1": "450 Lexington Ave. #3952",
        "city": "New York",
        "province": "NY",
        "zip_code": "10163"
      },
      "routing_details": {
        "routing_number_type": "SWIFT",
        "routing_number": "031302971",
        "bank_name": "Customers Bank",
        "bank_address": {
          "country": "USA",
          "address1": "701 Reading Avenue",
          "city": "West Reading",
          "province": "PA",
          "zip_code": "19611"
        }
      }
    },
    "fiat_account_owner": {
      "institution_details": {
        "name": "Paxos Trust Company, LLC"
      }
    },
    "metadata": {
      "my_id": "4024ee50-eefb-4f2e-85c7-e7899c0b7da5"
    }
  }
}
```

You will need the `memo_id` from the response to fund the Profile.

### ➋ Send Fiat to Paxos

Send a wire (SWIFT, Fedwire) or CUBIX transfer to Paxos, referencing the `memo_id` to fund your Profile.

For Sandbox environment emulate the wire deposit using [Initiate Sandbox Fiat Deposit](/api-reference/endpoints/sandbox-fiat-transfers/initiate-sandbox-fiat-deposit).

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/sandbox/fiat-deposits' \
--request 'POST' \
--header 'Authorization: Bearer {access_token}' \
--data '{
  "amount": "150.33",
  "asset": "USD",
  "memo_id": "9CFXQSCMSPLFHXLZ",
  "fiat_network_instructions": {
    "wire": {
      "account_number": "1234567",
      "fiat_account_owner_address": {
        "country": "US",
        "address1": "456 Main Street",
        "city": "New York",
        "province": "NY",
        "zip_code": "10101"
      },
      "routing_details": {
        "routing_number_type": "SWIFT",
        "routing_number": "031302971",
        "bank_name": "Customers Bank",
        "bank_address": {
          "country": "USA",
          "address1": "123 Bank Street",
          "city": "New York",
          "province": "NY",
          "zip_code": "10101"
        }
      }
    }
  },
  "fiat_account_owner": {
    "institution_details": {
      "name": "Paxos Trust Company, LLC"
    }
  }
}'
```

You should get an empty response with `200` status code.

It can take a minute to process the deposit on the backend.

<Tip>
  In production, send a real wire (SWIFT, Fedwire) or CUBIX transfer to Paxos, referencing the production `memo_id` (not sandbox) to fund your Profile.
</Tip>

### ➌ Check Status of Deposit

Find the deposit using [List Transfers](/api-reference/endpoints/transfers/list-transfers).

### Via Profile ID

Include the `profile_id` query parameter to filter out transfers to all other Profiles.

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/transfers?order=DESC&type=WIRE_DEPOSIT&limit=2&profile_ids=5fc6d191-193c-4e28-94fa-656bbdbdfaad&limit=1' \
--request 'GET' \
--header 'Authorization: Bearer {access_token}'
```

Response:

```json theme={null}
{   "items": [
 {   "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
     "amount": "150.33",
     "asset": "USD",
     "auto_conversion": {},
     "balance_asset": "USD",
     "created_at": "2024-01-28T00:48:00.222744Z",
     "customer_id": "4eaffe58-df0e-4559-8dec-fdae231684e9",
     "direction": "CREDIT",
     "fee": "30",
     "id": "cca46bf3-2dab-4ab5-a4f1-7b1b75956a29",
     "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
     "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
     "status": "COMPLETED",
     "total": "120.33",
     "type": "WIRE_DEPOSIT",
     "updated_at": "2024-01-28T00:48:00.332602Z"
 }
 ], 
  "next_page_cursor": "TAISDAiA-9qtBhCQtcyeARjCwa8M"
}
```

### Via Identity ID

Include the `identity_id` query parameter to filter out transfers to all other Identities.

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/transfers?order=DESC&type=WIRE_DEPOSIT&identity_ids=8a398cb6-4e3b-4868-9cea-a1c567856e68&limit=1' \
--request 'GET' \
--header 'Authorization: Bearer {access_token}'
```

Response:

```json theme={null}
{   "items": [
 {   "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
     "amount": "150.33",
     "asset": "USD",
     "auto_conversion": {},
     "balance_asset": "USD",
     "created_at": "2024-01-28T00:48:00.222744Z",
     "customer_id": "4eaffe58-df0e-4559-8dec-fdae231684e9",
     "direction": "CREDIT",
     "fee": "30",
     "id": "cca46bf3-2dab-4ab5-a4f1-7b1b75956a29",
     "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
     "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
     "status": "COMPLETED",
     "total": "120.33",
     "type": "WIRE_DEPOSIT",
     "updated_at": "2024-01-28T00:48:00.332602Z"
 }
 ], 
  "next_page_cursor": "TAISDAiA-9qtBhCQtcyeARjCwa8Q"
}
```

### ➍ View Updated Balances

View updated balances using [Get Profile Balance](/api-reference/endpoints/profiles/get-profile-balance).

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/profiles/5fc6d191-193c-4e28-94fa-656bbdbdfaad/balances/USD' \
--request 'GET' \
--header 'Authorization: Bearer {access_token}'
```

Response:

```json theme={null}
{
  "asset": "USD", 
  "available": "120.33", 
  "trading": "0"
}
```

## Withdrawal Flow

To move USD off the Platform, first use [Create Fiat Account](/api-reference/endpoints/fiat-transfers/create-fiat-account) to let Paxos know where to transfer the funds.
Then, use the returned Fiat Account `id` with [Create Fiat Withdrawal](/api-reference/endpoints/fiat-transfers/create-fiat-withdrawal) to transfer funds to the external account.

We'll be following the recommended fiat withdrawal workflow:

* [Authenticate in Sandbox](#authenticate).
* Save your external bank account information on Paxos using [Create Fiat Account](/api-reference/endpoints/fiat-transfers/create-fiat-account). If needed, you can update bank account information using [Update Fiat Account](/api-reference/endpoints/fiat-transfers/update-fiat-account).
* Confirm sufficient funds in the associated Profile to process the withdrawal using [Get Profile Balance](/api-reference/endpoints/profiles/get-profile-balance).
* Retrieve the ID for your external bank account using [List Fiat Accounts](/api-reference/endpoints/fiat-transfers/list-fiat-accounts).
* Initiate a fiat withdrawal from Paxos into your external bank account using [Create Fiat Withdrawal](/api-reference/endpoints/fiat-transfers/create-fiat-withdrawal).
* Check the status of the withdrawal using [List Transfers](/api-reference/endpoints/transfers/list-transfers).
* View updated balances using [Get Profile Balance](/api-reference/endpoints/profiles/get-profile-balance).

### ➊ Create Fiat Account

Save your external bank account information on Paxos using [Create Fiat Account](/api-reference/endpoints/fiat-transfers/create-fiat-account).

<Tip>
  For CUBIX, the `wallet_address` on `fiat_network_instructions` is not a crypto wallet address, it is a Customers Bank
  account wallet address.
</Tip>

### Corporate Funding

Include the following body parameters in your request to create fiat accounts for US domestic wires:

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/fiat-accounts' \
--request 'POST' \
--header 'Authorization: Bearer {access_token}' \
--data '{
    "ref_id": "idempotence_id",
    "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68", // Optional.
    "fiat_account_owner": {
        "institution_details": {
            "name": "Company"
        }
    },
    "fiat_network_instructions": {
        "wire": {
            "account_number": "74600021314512",
            "fiat_account_owner_address": {
                    "country": "USA",
                    "address1": "456 Main Street, NY",
                    "city": "New York",
                    "province": "NY",
                    "zip_code": "10101"
            },
            "routing_details": {
                "routing_number_type": "ABA",
                "routing_number": "031302971",
                "bank_name": "Customers Bank",
                "bank_address": {
                        "country": "USA",
                        "address1": "123 Bank Street",
                        "city": "New York",
                        "province": "NY",
                        "zip_code": "10101"
                }
            }
        }
    },
    "metadata": {
       "test_ref_id": "47aa7538-e2d2-47b3-8600-44a7965dd357",  
       "key_2": "2"
    }
}'
```

Upon successful request, the acknowledgment response confirms your request has been received.

```json highlight={2,34} theme={null}
{
  "id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
  "ref_id": "idempotence_id",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68", // Optional.
  "fiat_account_owner": {
    "person_details": {
      "name": "Company"
    },
    "fiat_network_instructions": {
      "wire": {
        "account_number": "74600021314512",
        "fiat_account_owner_address": {
          "country": "USA",
          "address1": "456 Main Street, NY",
          "city": "New York",
          "province": "NY",
          "zip_code": "10101"
        },
        "routing_details": {
          "routing_number_type": "ABA",
          "routing_number": "031302971",
          "bank_name": "Customers Bank",
          "bank_address": {
            "country": "USA",
            "address1": "123 Bank Street",
            "city": "New York",
            "province": "NY",
            "zip_code": "10101"
          }
        }
      }
    }
  },
  "status": "PENDING",
  "metadata": {
    "test_ref_id": "47aa7538-e2d2-47b3-8600-44a7965dd357",
    "key_2": "2"
  },
  "created_at": "2024-01-28T22:14:25.731494Z"
}
```

Note the `id` in the response, it will be required to check the Account status in the next steps.

### End User Funding

Include the following body parameters in your request to create fiat accounts for SWIFT (international) wires:

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/fiat-accounts' \
--request 'POST' \
--header 'Authorization: Bearer {access_token}' \
--data '{
    "ref_id": "idempotence_id",
    "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
    "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
    "fiat_account_owner": {
        "person_details": {
            "first_name": "Megan",
            "last_name": "Snow"
        }
    },
    "fiat_network_instructions": {
        "wire": {
            "account_number": "74600021314512",
            "fiat_account_owner_address": {
                    "country": "USA",
                    "address1": "2600 Tully St",
                    "city": "Washington",
                    "province": "DC",
                    "zip_code": "10010"
            },
            "routing_details": {
                "routing_number_type": "SWIFT",
                "routing_number": "JINABVU1773",
                "bank_name": "First Bank",
                "bank_address": {
                        "country": "Brazil",
                        "address1": "Awesome ct",
                        "city": "Sao Paulo",
                        "province": "Sao Paulo",
                        "zip_code": "33445"
                }
            },
            "intermediary_routing_details": {
                "routing_number_type": "ABA",
                "routing_number": "123456789",
                "bank_name": "Ubium Bank",
                "bank_address": {
                    "country": "USA",
                    "address1": "Great str",
                    "city": "Walnut Creek",
                    "province": "CA",
                    "zip_code": "59610"
                }
            }
        }
    },
    "metadata": {
        "key_1": "1",
        "key_2": "two"
    }
}'
```

Upon successful request, the acknowledgment response confirms your request has been received.

```json highlight={2,48} theme={null}
{
    "id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
    "ref_id": "idempotence_id",
    "identity_id": "8f22e593-5f51-40cc-8bb0-5245d051c1da",
    "account_id": "38fc5a41-12a5-43f4-a2de-4733dcd1dee6",
    "fiat_account_owner": {
        "person_details": {
            "first_name": "Megan",
            "last_name": "Snow"
        }
    },
    "fiat_network_instructions": {
        "wire": {
            "account_number": "XXXXXXXXXX4512",
            "fiat_account_owner_address": {
                "country": "USA",
                "address1": "2600 Tully St",
                "city": "Washington",
                "province": "DC",
                "zip_code": "10010"
            },
            "routing_details": {
                "routing_number_type": "SWIFT",
                "routing_number": "JINABVU1773",
                "bank_name": "First Bank",
                "bank_address": {
                    "country": "Brazil",
                    "address1": "Awesome ct",
                    "city": "Sao Paulo",
                    "province": "Sao Paulo",
                    "zip_code": "33445"
                }
            },
            "intermediary_routing_details": {
                "routing_number_type": "ABA",
                "routing_number": "123456789",
                "bank_name": "Ubium Bank",
                "bank_address": {
                    "country": "USA",
                    "address1": "Great str",
                    "city": "Walnut Creek",
                    "province": "CA",
                    "zip_code": "59610"
                }
            }
        }
    },
    "status": "PENDING",
    "metadata": {
        "key_1": "1",
        "key_2": "two"
    },
    "created_at": "2024-03-13T00:50:08.902618Z"
}
```

Note the `id` in the response, it will be required to check the Account status in the next steps.

### ➋ Confirm Sufficient Funds

Confirm sufficient funds in the profile to process the withdrawal using [Get Profile Balance](/api-reference/endpoints/profiles/get-profile-balance).

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/profiles/5fc6d191-193c-4e28-94fa-656bbdbdfaad/balances/USD' \
--request 'GET' \
--header 'Authorization: Bearer {access_token}'
```

Response:

```json theme={null}
{
  "asset": "USD", 
  "available": "120.33", 
  "trading": "0"
}
```

### ➌ Retrieve Bank Account Status

Retrieve the status of your external bank account using [Get Fiat Account](/api-reference/endpoints/fiat-transfers/get-fiat-account) and providing the `id`
from the [Create Fiat Account](/api-reference/endpoints/fiat-transfers/create-fiat-account) response.

<Info>
  There are three statuses for Fiat Accounts: "PENDING"`, \"APPROVED"`, "REJECTED"`. While on \"PENDING"`, Paxos is
  processing your fiat account. Fiat Account status needs to be "APPROVED"\` before Fiat Account can be used for withdrawals.
</Info>

Request:

```shell theme={null}
curl --request 'GET' --location 'https://api.sandbox.paxos.com/v2/transfer/fiat-accounts/cc1b6606-a8a3-4a8f-8b9b-5456d96448bf'
```

Response:

```json highlight={37} theme={null}
{   
   "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
   "created_at": "2024-01-28T22:14:25.731494Z",
   "fiat_account_owner": {
     "person_details": {
       "name": "Company"
     }
   },
   "fiat_network_instructions": {   
     "wire": {
       "account_number": "74600021314512",
       "fiat_account_owner_address": {
         "country": "USA",
         "address1": "456 Main Street, NY",
         "city": "New York",
         "province": "NY",
         "address2": "",
         "zip_code": "10101"
       },
       "routing_details": {
          "routing_number_type": "ABA",
          "routing_number": "031302971",
          "bank_name": "Customers Bank",
          "bank_address": {
            "country": "USA",
            "address1": "123 Bank Street",
            "city": "New York",
            "province": "NY",
            "zip_code": "10101"
          }
        }
      }
   },
   "id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
   "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
   "ref_id": "idempotence_id",
   "status": "APPROVED",
   "metadata": {
     "test_ref_id": "47aa7538-e2d2-47b3-8600-44a7965dd357",  
     "key_2": "2"
   }
}
```

From the response find the `id` of the bank record for the user. It must be in `APPROVED` status.

### ➍ Create Fiat Withdrawal

Initiate a fiat withdrawal from Paxos into your external bank account using [Create Fiat Withdrawal](/api-reference/endpoints/fiat-transfers/create-fiat-withdrawal).

### Corporate Funding

Initiate a CUBIX withdrawal. Specify the `fiat_account_id` of the Fiat Account from the [Create Fiat Account](/api-reference/endpoints/fiat-transfers/create-fiat-account) response.

```shell highlight={8} theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/fiat-withdrawals' \
--request 'POST' \
--header 'Authorization: Bearer {access_token}' \
--data '{
  "ref_id": "idempotence_id",
  "amount": "120",
  "asset": "USD",
  "fiat_account_id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
  "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68", // Optional.
  "metadata": {
    "custom_key": "custom_value"
  }
}'
```

Response:

```json theme={null}
{
  "amount": "100",
  "asset": "USD",
  "auto_conversion": {},
  "balance_asset": "USD",
  "created_at": "2024-01-28T22:39:02.279268Z",
  "customer_id": "4eaffe58-df0e-4559-8dec-fdae231684e1",
  "direction": "DEBIT",
  "fee": "20",
  "fiat_account_id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
  "id": "11a6f6e9-4219-4698-9d79-abfc1e346246",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68", // Optional.
  "metadata": {
    "custom_key": "custom_value"
  }, 
  "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
  "ref_id": "idempotence_id",
  "status": "PENDING",
  "total": "120",
  "type": "CUBIX_WITHDRAWAL",
  "updated_at": "2024-01-28T22:39:02.279268Z"
}
```

### End User Funding

Initiate an international wire withdrawal (SWIFT). Specify the `fiat_account_id` from the [Create Fiat Account](/api-reference/endpoints/fiat-transfers/create-fiat-account) response.

```shell highlight={8} theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/fiat-withdrawals' \
--request 'POST' \
--header 'Authorization: Bearer {access_token}' \
--data '{
  "ref_id": "idempotence_id",
  "amount": "120",
  "asset": "USD",
  "fiat_account_id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
  "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
  "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
  "metadata": {
    "custom_key": "custom_value"
  }
}'
```

Response:

```json theme={null}
{
  "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
  "amount": "100",
  "asset": "USD",
  "auto_conversion": {},
  "balance_asset": "USD",
  "created_at": "2024-01-28T22:39:02.279268Z",
  "customer_id": "4eaffe58-df0e-4559-8dec-fdae231684e1",
  "direction": "DEBIT",
  "fee": "20",
  "fiat_account_id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
  "id": "11a6f6e9-4219-4698-9d79-abfc1e346246",
  "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
  "metadata": {
    "custom_key": "custom_value"
  }, 
  "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
  "ref_id": "idempotence_id",
  "status": "PENDING",
  "total": "120",
  "type": "WIRE_WITHDRAWAL",
  "updated_at": "2024-01-28T22:39:02.279268Z"
}
```

<Tip>
  It is recommended to have [JWS request signing](/guides/developer/request-signing) for Fiat Withdrawals.
  JWS request signing uses a public-key cryptography with a client-controlled private key.
  It adds an additional layer of security to withdrawals.
  It can prevent malicious withdrawals even if the API key is compromised.
  When used, all API calls with this key will require a JWS signature.
</Tip>

### ➎ Check Status of Withdrawal

Check the status of the withdrawal using [Get Transfer](/api-reference/endpoints/transfers/get-transfer) with the `id` from the previous step.

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/transfer/transfers/11a6f6e9-4219-4698-9d79-abfc1e346246' \
--request 'GET' \
--header 'Authorization: Bearer {access_token}'
```

Response:

```json highlight={18} theme={null}
{  "account_id": "91f91384-30d4-46c2-9118-7f3cec676a2c",
   "amount": "100",
   "asset": "USD",
   "auto_conversion": {},
   "balance_asset": "USD",
   "created_at": "2024-01-28T22:39:02.279268Z",
   "customer_id": "4eaffe58-df0e-4559-8dec-fdae231684e1",
   "direction": "DEBIT",
   "fee": "20",
   "fiat_account_id": "cc1b6606-a8a3-4a8f-8b9b-5456d96448bf",
   "id": "11a6f6e9-4219-4698-9d79-abfc1e346246",
   "identity_id": "8a398cb6-4e3b-4868-9cea-a1c567856e68",
   "metadata": {
     "custom_key": "custom_value"
   },
   "profile_id": "5fc6d191-193c-4e28-94fa-656bbdbdfaad",
   "ref_id": "idempotence_id",
   "status": "COMPLETE",
   "total": "120",
   "type": "WIRE_WITHDRAWAL",
   "updated_at": "2024-01-28T22:39:05.613881Z"}
```

### ➏ View Updated Balances

View updated balances using [Get Profile Balance](/api-reference/endpoints/profiles/get-profile-balance) and passing the `profile_id` and `USD` asset in the endpoint's path.

```shell theme={null}
curl --location 'https://api.sandbox.paxos.com/v2/profiles/5fc6d191-193c-4e28-94fa-656bbdbdfaad/balances/USD \'
--request 'GET' \
--header 'Authorization: Bearer {access_token}'
```

Response:

```json theme={null}
{
  "asset": "USD",
  "available": "0.33",
  "trading": "0"
}
```