---
url: /docs/fiat/send.md
description: >-
  Pay out from a balance to a recipient bank account using bank accounts, payout
  quotes, and the payout API.
---

Send covers paying fiat out to a recipient's bank account. As a bank-rails integrator you settle in stablecoins under the hood, but you only need to think in three steps: add a bank account, create a payout quote, and execute the payout.

## How it works

Every payout follows the same three-step pattern:

1. Add a bank account for the recipient (once per recipient)
2. Create a payout quote: locks the exchange rate and fees for 5 minutes
3. Execute the payout: moves funds from the funding source to the bank account

### Supported payout rails

| `type` | Country |
| --- | --- |
| `international_swift` | Global |
| `ach` | United States |
| `wire` | United States |
| `rtp` | United States |
| `pix` | Brazil |
| `spei_bitso` | Mexico |
| `ach_cop_bitso` | Colombia |
| `transfers_bitso` | Argentina |
| `sepa` | Europe (SEPA zone) |

### Funding source

Every payout needs a funding source, the wallet the settlement stablecoins are pulled from.

* **BlindPay-managed wallet balance**: the simple path. A managed wallet is custodied by BlindPay on the customer's behalf, so there is no client-side signing. Pass its address as `sender_wallet_address` and BlindPay moves the funds directly.
* **External wallet**: if the funds live in a customer-controlled wallet instead, you must authorize the transfer on-chain first (an ERC-20 `approve` on EVM, an authorize-and-sign step on Stellar, or delegation on Solana) before calling the payout endpoint. See [Stablecoin send](/stablecoin/payouts) for the full on-chain mechanics.

## In this section

* [Bank accounts](/fiat/bank-accounts): add and manage recipient bank accounts across all supported rails
* [Payout quotes](/fiat/payout-quotes): lock the exchange rate and fees before executing a payout
* [Payouts](/fiat/payouts): execute the payout and track it through to completion

## Related

* [Receive](/fiat/receive): accept incoming fiat deposits
* [Virtual accounts](/fiat/virtual-accounts): the customer's dedicated deposit account
* [Stablecoin send](/stablecoin/payouts): full on-chain authorization mechanics for external wallets
* [Webhooks](/learn/webhooks): payout lifecycle events
* [Cut-off times](/kb/cut-off-times): settlement windows by payment rail