---
url: /docs/stablecoin/send.md
description: >-
  Off-ramp overview, pull stablecoins from a wallet and settle the equivalent
  fiat to a customer's bank account
---

Send is BlindPay's off-ramp: stablecoins are pulled from a blockchain wallet and the equivalent fiat lands in a customer's bank account. The sender authorizes BlindPay to move the tokens, BlindPay converts and settles the fiat leg.

A payout always follows the same pattern: create a payout quote, authorize the tokens for the destination network, then execute the payout before the quote expires (5 minutes by default; SEPA-backed bank accounts can carry a shorter, rail-determined expiry).

## How it works

Every network uses a different authorization mechanism before the payout executes. EVM chains rely on the standard ERC-20 allowance pattern; Stellar and Solana require a signed transaction because neither supports a pull-based allowance.

| Network | Authorization mechanism |
| --- | --- |
| EVM (Ethereum, Base, Polygon, Arbitrum) | ERC-20 `approve` on the token contract, scoped to the quoted amount |
| Stellar | Call the authorize endpoint for an unsigned XDR transaction, sign it, then create the payout |
| Solana | Prepare a token delegation transaction, sign and submit it, then create the payout |

Stablecoins held in a [managed wallet](/stablecoin/store) can also fund a payout. In that case BlindPay custodies the balance and there is no client-side signing step. This section covers the self-custodied path: pulling tokens from an external blockchain wallet that you or your customer controls.

## In this section

* [Bank accounts](/stablecoin/bank-accounts): add the customer's payout destination, including type-specific required fields.
* [Payout quotes](/stablecoin/payout-quotes): lock the exchange rate, fees, and the on-chain approval payload before authorizing tokens.
* [Payouts](/stablecoin/payouts): the per-network authorization flow (EVM approve, Stellar XDR, Solana delegation), executing the payout, and minting USDB for testing.

## Related

* [Receive](/stablecoin/receive): the on-ramp, fiat in and stablecoins delivered to a wallet
* [Store](/stablecoin/store): managed and external wallets, including the managed-wallet funding path
* [Transfer](/stablecoin/transfer): move stablecoins cross-chain before sending them out
* [Supported chains](/kb/supported-chains): the full chain and token matrix
* [Webhooks](/learn/webhooks): `payout.new`, `payout.update`, `payout.complete`