> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hifi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Send EUR Offramps

> Settle stablecoins to EUR through SEPA.

**Time to complete:** 10-15 minutes

<Note>
  All examples use the sandbox environment (`https://sandbox.hifibridge.com`).
  Sandbox transactions are simulated and do not move real funds.
</Note>

## Overview

EUR offramps convert stablecoins, such as USDC, into EUR and send the funds to a recipient bank account through SEPA.

The flow has three steps:

<Steps>
  <Step title="Create an EUR offramp account">
    Register the recipient bank account with EUR and SEPA details.
  </Step>

  <Step title="Create an offramp quote">
    Create an offramp request with `destination.currency` set to `eur`.
  </Step>

  <Step title="Accept the quote">
    Accept the quote before it expires to execute the offramp.
  </Step>
</Steps>

## Prerequisites

Before creating an EUR offramp, make sure you have:

* A user with Terms of Service accepted
* KYC or KYB approved for the [Global Network rail](/docs/rails/global-network)
* A wallet funded with a supported stablecoin
* Recipient bank details, including IBAN and SWIFT/BIC
* API keys from the Dashboard

<Info>
  For general offramp behavior, quote acceptance, and status handling, see
  [Offramps](/docs/transactions/offramps).
</Info>

## Step 1: Create an EUR Offramp Account

Create a Global Network offramp account for the recipient's EUR bank account. For EUR SEPA payouts, set the account currency to `eur` and transfer type to `sepa`.

This example creates a France EUR offramp account. Use the country-specific account type that matches the recipient's bank country.

```bash theme={null}
curl -X POST "https://sandbox.hifibridge.com/v2/users/usr_abc123/accounts" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "rail": "offramp",
    "type": "franceGlobalNetwork",
    "accountHolder": {
      "type": "individual",
      "name": "Marie Laurent",
      "address": {
        "addressLine1": "10 Rue de Rivoli",
        "city": "Paris",
        "stateProvinceRegion": "IDF",
        "postalCode": "75001",
        "country": "FRA"
      }
    },
    "franceGlobalNetwork": {
      "transferType": "sepa",
      "currency": "eur",
      "bankName": "Example Bank",
      "iban": "FR7630006000011234567890189",
      "swiftCode": "AGRIFRPP"
    }
  }'
```

<Accordion title="EUR SEPA account types and payload shape">
  For SEPA payouts in EUR, `type` and the matching nested property name are both `{country}GlobalNetwork` — lower camelCase from the English country name for **where the beneficiary bank is located** (not the account holder's residence, if those differ).

  The object at that key always uses this shape for EUR SEPA:

  ```json theme={null}
  {
    "transferType": "sepa",
    "currency": "eur",
    "bankName": "string",
    "iban": "string",
    "swiftCode": "string"
  }
  ```

  | Country         | `type` (and nested key)       |
  | :-------------- | :---------------------------- |
  | Albania         | `albaniaGlobalNetwork`        |
  | Andorra         | `andorraGlobalNetwork`        |
  | Austria         | `austriaGlobalNetwork`        |
  | Belgium         | `belgiumGlobalNetwork`        |
  | Bulgaria        | `bulgariaGlobalNetwork`       |
  | Croatia         | `croatiaGlobalNetwork`        |
  | Cyprus          | `cyprusGlobalNetwork`         |
  | Czech Republic  | `czechRepublicGlobalNetwork`  |
  | Denmark         | `denmarkGlobalNetwork`        |
  | Estonia         | `estoniaGlobalNetwork`        |
  | Finland         | `finlandGlobalNetwork`        |
  | France          | `franceGlobalNetwork`         |
  | Germany         | `germanyGlobalNetwork`        |
  | Greece          | `greeceGlobalNetwork`         |
  | Hungary         | `hungaryGlobalNetwork`        |
  | Iceland         | `icelandGlobalNetwork`        |
  | Ireland         | `irelandGlobalNetwork`        |
  | Italy           | `italyGlobalNetwork`          |
  | Latvia          | `latviaGlobalNetwork`         |
  | Liechtenstein   | `liechtensteinGlobalNetwork`  |
  | Lithuania       | `lithuaniaGlobalNetwork`      |
  | Luxembourg      | `luxembourgGlobalNetwork`     |
  | Malta           | `maltaGlobalNetwork`          |
  | Moldova         | `moldovaGlobalNetwork`        |
  | Monaco          | `monacoGlobalNetwork`         |
  | Montenegro      | `montenegroGlobalNetwork`     |
  | Netherlands     | `netherlandsGlobalNetwork`    |
  | North Macedonia | `northMacedoniaGlobalNetwork` |
  | Norway          | `norwayGlobalNetwork`         |
  | Poland          | `polandGlobalNetwork`         |
  | Portugal        | `portugalGlobalNetwork`       |
  | Romania         | `romaniaGlobalNetwork`        |
  | San Marino      | `sanMarinoGlobalNetwork`      |
  | Serbia          | `serbiaGlobalNetwork`         |
  | Slovakia        | `slovakiaGlobalNetwork`       |
  | Slovenia        | `sloveniaGlobalNetwork`       |
  | Spain           | `spainGlobalNetwork`          |
  | Sweden          | `swedenGlobalNetwork`         |
  | Switzerland     | `switzerlandGlobalNetwork`    |
  | Vatican City    | `vaticanCityGlobalNetwork`    |

  <Tabs>
    <Tab title="franceGlobalNetwork">
      ```json theme={null}
      {
        "type": "franceGlobalNetwork",
        "franceGlobalNetwork": {
          "transferType": "sepa",
          "currency": "eur",
          "bankName": "Example Bank",
          "iban": "FR7630006000011234567890189",
          "swiftCode": "AGRIFRPP"
        }
      }
      ```
    </Tab>

    <Tab title="germanyGlobalNetwork">
      ```json theme={null}
      {
        "type": "germanyGlobalNetwork",
        "germanyGlobalNetwork": {
          "transferType": "sepa",
          "currency": "eur",
          "bankName": "Example Bank",
          "iban": "DE89370400440532013000",
          "swiftCode": "COBADEFFXXX"
        }
      }
      ```
    </Tab>

    <Tab title="spainGlobalNetwork">
      ```json theme={null}
      {
        "type": "spainGlobalNetwork",
        "spainGlobalNetwork": {
          "transferType": "sepa",
          "currency": "eur",
          "bankName": "Example Bank",
          "iban": "ES9121000418450200051332",
          "swiftCode": "CAIXESBBXXX"
        }
      }
      ```
    </Tab>
  </Tabs>

  For the full country and payment-method matrix, see [Coverage](/docs/coverage).
</Accordion>

Save the returned `id`. You will use it as `destination.accountId` when creating the offramp.

## Step 2: Create an EUR Offramp Quote

Create an offramp request with a stablecoin source and an EUR destination.

```bash theme={null}
curl -X POST "https://sandbox.hifibridge.com/v2/offramps" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "requestId": "b08e27be-c086-4b84-a321-307ed9f265e1",
    "source": {
      "currency": "usdc",
      "chain": "POLYGON",
      "userId": "usr_abc123",
      "amount": 100
    },
    "destination": {
      "currency": "eur",
      "accountId": "acc_eur123",
      "userId": "usr_abc123",
      "sepaReference": "Invoice 1001"
    },
    "purposeOfPayment": "other",
    "description": "EUR payout for invoice 1001"
  }'
```

<ResponseField name="destination.currency" type="string" required>
  Use `eur` for EUR offramps.
</ResponseField>

<ResponseField name="destination.accountId" type="string" required>
  The EUR offramp account that should receive the payout.
</ResponseField>

<ResponseField name="destination.sepaReference" type="string">
  Optional SEPA reference included with the payout. It must be 6 to 140 characters and may contain letters, numbers, spaces, ampersand (`&`), hyphen (`-`), full stop (`.`), and solidus (`/`).
</ResponseField>

## Step 3: Review and Accept the Quote

The create response includes an offramp `id`, status, and quote information. Review the rate, fees, destination amount, and expiration time before accepting.

```bash theme={null}
curl -X POST "https://sandbox.hifibridge.com/v2/offramps/off_abc123/quote/accept" \
  -H "Authorization: Bearer YOUR_API_KEY"
```

After the quote is accepted, the offramp moves through crypto and fiat processing statuses until completion.

## Track the Offramp

You can track EUR offramp status in two ways:

* Subscribe to [Offramp events](/docs/webhooks/offramp-events)
* Poll the [Retrieve an offramp](https://docs.hifi.com/api-reference/offramp/retrieve-an-offramp) endpoint

```bash theme={null}
curl -X GET "https://sandbox.hifibridge.com/v2/offramps/off_abc123" \
  -H "Authorization: Bearer YOUR_API_KEY"
```

## Related Resources

* [Offramp Accounts](/docs/accounts/offramp-accounts)
* [Offramps](/docs/transactions/offramps)
* [Global Network Rail](/docs/rails/global-network)
* [Offramp Events](/docs/webhooks/offramp-events)