Off-ramping is the process of converting stablecoins into a local fiat currency and depositing the proceeds into a real bank account. RemitFlex handles the stablecoin conversion, compliance checks, and bank transfer in a single orchestrated flow — you provide the amount, source currency, and bank details, and RemitFlex does the rest.
What you need before you start
- A RemitFlex account that has completed KYB/KYC verification (required for live off-ramps)
- A stablecoin balance in your RemitFlex wallet
- Your recipient’s bank account details (see required fields below)
Off-ramp payouts to real bank accounts require your business to pass KYB verification and your recipients to meet KYC requirements for their corridor. Test off-ramps in the sandbox environment without any compliance requirements.
Supported bank account types
RemitFlex accepts three categories of destination account:
| Type | Region | Identifier |
|---|
| IBAN | Europe (SEPA zone) | International Bank Account Number |
| ACH | United States | Account number + routing number |
| Local transfer | Latin America, Africa, Asia | Local account number + bank code |
Required bank account fields
| Field | Type | Required | Description |
|---|
account_holder_name | string | ✅ Yes | Full legal name of the account holder |
account_number | string | ✅ Yes | IBAN for Europe, account number for US/local |
routing_number | string | ACH only | ABA routing number (US ACH transfers) |
bank_name | string | ✅ Yes | Name of the recipient’s bank |
bank_country | string | ✅ Yes | ISO 3166-1 alpha-2 country code (e.g., DE, US) |
currency | string | ✅ Yes | Target fiat currency (e.g., EUR, USD, MXN) |
Initiate an off-ramp
Send a POST request to /off-ramps with your stablecoin amount, source currency, desired fiat output, and the destination bank account details.
curl -X POST https://api.remitflex.com/v1/off-ramps \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 2500,
"source_currency": "USDC",
"destination_currency": "EUR",
"bank_account": {
"account_holder_name": "Acme Corp GmbH",
"account_number": "DE89370400440532013000",
"bank_name": "Deutsche Bank",
"bank_country": "DE",
"currency": "EUR"
},
"reference": "Payout batch #42"
}'
{
"id": "ofr_01HX9N4R8KVZWP9QJDB6CTYMX",
"status": "pending",
"amount": 2500,
"source_currency": "USDC",
"destination_currency": "EUR",
"converted_amount": 2306.25,
"fee": 6.25,
"bank_account": {
"account_holder_name": "Acme Corp GmbH",
"account_number": "DE89370400440532013000"
},
"reference": "Payout batch #42",
"estimated_settlement": "2024-01-16T18:00:00Z",
"created_at": "2024-01-15T10:30:00Z"
}
id (prefixed ofr_) to poll for status or correlate webhook events.
Check off-ramp status
Poll GET /off-ramps/{id} to monitor progress, or configure webhooks to receive push notifications when status changes.
curl https://api.remitflex.com/v1/off-ramps/ofr_01HX9N4R8KVZWP9QJDB6CTYMX \
-H "Authorization: Bearer YOUR_API_KEY"
Off-ramp status values
| Status | Meaning |
|---|
pending | Off-ramp received and queued |
converting | Stablecoin conversion in progress |
processing | Fiat transfer submitted to the banking network |
settled | Bank transfer initiated; funds are in transit |
delivered | Fiat confirmed received by the destination bank |
failed | Off-ramp could not be completed (see failure_reason) |
Settlement times by region
Settlement times depend on the banking network used for the destination country:
| Network | Region | Typical Settlement Time |
|---|
| SEPA | Europe | Same day or next business day |
| ACH | United States | 1–2 business days |
| Local transfer | Latin America, Africa, Asia | 1–3 business days |
Settlement times are estimates based on typical banking network performance. Public holidays, weekends, and compliance review can extend these windows. The estimated_settlement field in the response reflects the expected delivery time for your specific corridor.
Subscribe to the offramp.settled and offramp.delivered webhook events to receive real-time confirmation rather than polling. This is especially useful for batch payouts where you need to reconcile multiple transfers.
KYB and KYC requirements
All live off-ramp activity requires completed identity verification:
- Your business (KYB): You must complete Know Your Business verification in the RemitFlex dashboard before initiating live off-ramps. Go to Settings → Compliance → Business Verification.
- Your recipients (KYC): Certain corridors require recipient identity verification, particularly for amounts above regulatory thresholds. RemitFlex will return a
compliance.review_required event if manual review is triggered.
During development, use the sandbox environment to test off-ramp flows end-to-end without completing KYB/KYC. Sandbox off-ramps settle in seconds using test funds. 
