OTC Offramp - Build with LINK

Initiate a stablecoin → fiat payout via LINK’s OTC desk. You provide the core transaction details plus your settlement banking details (the account you want to receive fiat into).

Endpoint

POST /otc/offramp

Request Body

Field	Type	Required	Description
`customer_id`	string	✓	Your platform’s customer ID for this transaction.
`currency`	string	✓	Fiat currency to receive (e.g., `NGN`, `USD`, `EUR`). See Supported Currencies.
`amount`	string	✓	Stablecoin amount being sent.
`stables`	string	✓	Stablecoin being sent: `USDC` or `USDT`.
`wallet_address`	string	✓	Wallet address sending the stablecoin.
`network`	string	✓	Blockchain network (e.g., `solana`, `polygon`).
`paymentDetails`	object	✓	Your settlement banking details — the account you want to receive fiat into. Required fields depend on your currency’s payment method (see table below).

Payment Method & `paymentDetails` Fields

Call GET /otc/rate_quote?currency={currency}&amount={amount}&trx_type=offramp first — the response includes a paymentMethod field that tells you which method applies to your currency.

Payment Method	Currencies	Required fields in `paymentDetails`
NIP	NGN	`accountNumber`, `accountName`, `bankName`
GIP	GHS	`accountNumber`, `accountName`, `bankName`
ACH	USD	`accountNumber`, `routingNumber`, `accountName`
SEPA	EUR	`iban`, `beneficiaryName`, `bankName`
PIX	BRL	`pixKey`, `accountHolder`
CNAPS	CNY	`accountNumber`, `accountName`, `bankName`, `cnapsCode`
PESONet	PHP	`accountNumber`, `accountName`, `bankName`
Mobile Money	EGP, SLE, SSP, TZS, UGX, XAF, XOF	`provider`, `phoneNumber`, `accountName`
SWIFT	AED, AOA, CAD, CDF, DZD, GBP, HKD, IDR, LYD, MAD, MWK, MZN, SGD, TRY	`accountName`, `bankName`, `accountNumber`, `swiftCode`

JSON Request Examples

{
  "customer_id": "cut93498342",
  "currency": "NGN",
  "amount": "25000",
  "stables": "USDC",
  "wallet_address": "YourSolanaWallet",
  "network": "solana",
  "paymentDetails": {
    "accountNumber": "0123456789",
    "accountName": "Acme Corp",
    "bankName": "GTBank"
  }
}

Response (201)

{
  "code": "TXN_SUCCESSFUL",
  "status": "Success",
  "message": "Transaction request submitted. Partners have been notified.",
  "data": {
    "transaction_id": "6839f2a1c4e3b1000d5a9012",
    "reference": "link-otc-87654321",
    "type": "offramp",
    "stables": "USDC",
    "amount": "25000 USDC",
    "currency": "NGN",
    "payout_amount": "50000000 NGN",
    "rate": 2000,
    "transaction_status": "pending",
    "payment_method": "NIP",
    "date_created": "28/05/2026: 14:30"
  }
}

What Happens Next

Send stablecoin — Transfer the stablecoin from wallet_address to the LINK-provided address.
Status updates — LINK fires a transaction_status_updated webhook as we process the payout:

{
  "event": "transaction_status_updated",
  "reference": "link-otc-87654321",
  "data": {
    "transaction_ref": "link-otc-87654321",
    "currency": "NGN",
    "transaction_type": "offramp",
    "transaction_status": "completed"
  }
}

transaction_status values:

Value	Meaning	Internal status
`pending`	Awaiting partner action	`pending`
`processing`	Partner is processing the payout	`processing`
`rfi`	Partner needs additional information	`processing`
`completed`	Fiat payout delivered to your account	`completed`
`failed`	Payout could not be completed	`failed`

OTC Onramp Webhooks

Documentation Index

​Endpoint

​Request Body

​Payment Method & paymentDetails Fields

​JSON Request Examples

​Response (201)

​What Happens Next