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Sandbox Environment: All examples in this guide use the sandbox environment (https://sandbox.hifibridge.com). Transactions are simulated - no real money moves. When you’re ready for production, replace the sandbox URL with the production endpoint.

Prerequisites

Before sending money, ensure you have:

✅ User created with Terms of Service accepted
✅ KYC completed and approved for the target rail
✅ Offramp Account set up for receiving fiat
✅ API keys from the Dashboard

If you haven’t set up users, KYC, or accounts yet, see the Quickstart Guide for step-by-step instructions.

How Sending Money Works

Sending money is a two-step process:

Create offramp request - Get a quote for the conversion
Accept the quote - Execute the offramp

Step 1: Create Offramp Request

Create an offramp request using the Create an offramp endpoint: Request:

curl --request POST \
     --url https://sandbox.hifibridge.com/v2/offramps \
     --header 'accept: application/json' \
     --header 'authorization: Bearer YOUR_API_KEY' \
     --header 'content-type: application/json' \
     --data '
{
  "source": {
    "currency": "usdc",
    "chain": "POLYGON",
    "userId": "32051b2f-0798-55a7-9c42-b08da4192c97",
    "amount": 1
  },
  "destination": {
    "currency": "usd",
    "accountId": "583eb259-e78b-4f0c-a4b5-a8957876fa6f",
    "userId": "32051b2f-0798-55a7-9c42-b08da4192c97"
  },
  "requestId": "b08e27be-c086-4b84-a321-307ed9f265e1"
}
'

Request Fields:

string

required

Unique identifier (UUID) for this offramp request.

object

required

Source of the offramp (crypto side).

Show properties

string

required

The user sending crypto (who wants to send money).

string

required

Source cryptocurrency (e.g., “usdc”)

string

required

Blockchain network (e.g., “POLYGON”)

number

required

Amount of stablecoins to convert to fiat.

object

required

Destination of the offramp (fiat side).

Show properties

string

required

The user receiving the fiat (typically the same as source.userId).

string

required

Destination fiat currency (e.g., “usd”)

string

required

The offramp bank account ID where fiat will be sent.

Response:

{
  "transferType": "OFFRAMP",
  "transferDetails": {
    "id": "b838908b-95d0-4ebb-a2c6-8f0c142bcdd7",
    "requestId": "b08e27be-c086-4b84-a321-307ed9f265e1",
    "createdAt": "2025-09-26T03:15:57.766Z",
    "updatedAt": "2025-09-26T03:15:58.463Z",
    "status": "OPEN_QUOTE",
    "failedReason": null,
    "error": null,
    "errorDetails": null,
    "source": {
      "userId": "32051b2f-0798-55a7-9c42-b08da4192c97",
      "chain": "POLYGON",
      "currency": "usdc",
      "amount": 1,
      "walletAddress": "0x1b932E54e77Aeb698144550d5a493Ea99E20Daa7",
      "user": {
        "email": "john@hifibridge.com",
        "lastName": "Doe",
        "firstName": "John",
        "businessName": null
      }
    },
    "destination": {
      "userId": "32051b2f-0798-55a7-9c42-b08da4192c97",
      "amount": 1,
      "currency": "usd",
      "user": {
        "email": "john@hifibridge.com",
        "lastName": "Doe",
        "firstName": "John",
        "businessName": null
      },
      "accountId": "583eb259-e78b-4f0c-a4b5-a8957876fa6f"
    },
    "receipt": {
      "transactionHash": null
    },
    "developerFee": null,
    "quoteInformation": {
      "rate": "1.00",
      "sendNet": {
        "amount": "1.00",
        "currency": "usdc"
      },
      "sendGross": {
        "amount": "1.00",
        "currency": "usdc"
      },
      "receiveNet": {
        "amount": "1.00",
        "currency": "usd"
      },
      "receiveGross": {
        "amount": "1.00",
        "currency": "usd"
      },
      "expiresAt": "2025-09-27T03:15:58.112Z"
    },
    "depositInformation": []
  }
}

Response Fields:

string

Unique offramp transaction ID. Save this - you’ll need it to accept the quote and check status.

string

Current status: OPEN_QUOTE means you have an active quote that needs to be accepted.

object

Critical: Contains the conversion rate and amounts. Review this before accepting.

Show properties

string

Exchange rate (stablecoin to fiat)

object

Show properties

string

Crypto amount after fees

string

Currency code

object

Show properties

string

Fiat amount you’ll receive after fees

string

Currency code

string

Quote expiration time

Quote Expiration: Quotes typically expire after 15-30 minutes. If your quote expires before you accept it, you’ll need to create a new offramp request to get a fresh quote with updated rates.

Step 2: Accept the Quote

After reviewing the quote, accept it to start the offramp process using the Accept Quote endpoint: Request:

curl --request POST \
     --url https://sandbox.hifibridge.com/v2/offramps/b838908b-95d0-4ebb-a2c6-8f0c142bcdd7/quote/accept \
     --header 'accept: application/json' \
     --header 'authorization: Bearer YOUR_API_KEY'

Response:

{
  "transferType": "OFFRAMP",
  "transferDetails": {
    "id": "b838908b-95d0-4ebb-a2c6-8f0c142bcdd7",
    "status": "CRYPTO_INITIATED",
    "quoteInformation": {
      "rate": "1.00",
      "sendNet": {
        "amount": "1.00",
        "currency": "usdc"
      },
      "receiveNet": {
        "amount": "1.00",
        "currency": "usd"
      }
    }
  }
}

✅ Quote accepted! The status has changed to CRYPTO_INITIATED.

Monitor Status

Status Progression:

OPEN_QUOTE - Quote generated, waiting for acceptance
CRYPTO_INITIATED - Processing crypto conversion
CRYPTO_PENDING - Waiting for blockchain confirmation
FIAT_PENDING - Converting to fiat
COMPLETE - Fiat sent to bank account

Monitor via:

Polling: Call Retrieve an offramp with the transaction ID
Webhooks: Subscribe to OFFRAMP.UPDATE events for real-time notifications

In production, sending money may take 1-3 business days for the fiat to arrive in the user’s bank account. In sandbox, completion is typically instant.

Quickstart Guide - Set up users, KYC, and accounts
Receive Money - Convert fiat to stablecoins
Offramps - Detailed offramp documentation
Webhooks - Real-time transaction monitoring
API Reference - Complete endpoint documentation

Guides

Recipes

Send Money

Prerequisites

How Sending Money Works

Step 1: Create Offramp Request

Step 2: Accept the Quote

Monitor Status

Prerequisites

How Sending Money Works

Step 1: Create Offramp Request

Step 2: Accept the Quote

Monitor Status

Related Resources