> ## 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 Money

> This guide shows you how to send money - converting stablecoins (like USDC) into fiat currency (like USD) and sending it to a user's bank account.

**⏱️ Time to complete:** 5-10 minutes

<Note>
  **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.
</Note>

## 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

<Info>
  If you haven't set up users, KYC, or accounts yet, see the [Quickstart
  Guide](/docs/guides/quickstart) for step-by-step instructions.
</Info>

## How Sending Money Works

Sending money is a two-step process:

1. **Create offramp request** - Get a quote for the conversion
2. **Accept the quote** - Execute the offramp

## Step 1: Create Offramp Request

Create an offramp request using the [Create an offramp](https://docs.hifi.com/api-reference/offramp/create-an-offramp) endpoint:

**Request:**

```bash theme={null}
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:**

<ResponseField name="requestId" type="string" required>
  Unique identifier (UUID) for this offramp request.
</ResponseField>

<ResponseField name="source" type="object" required>
  Source of the offramp (crypto side).

  <Expandable title="properties">
    <ResponseField name="userId" type="string" required>
      The user sending crypto (who wants to send money).
    </ResponseField>

    <ResponseField name="currency" type="string" required>
      Source cryptocurrency (e.g., "usdc")
    </ResponseField>

    <ResponseField name="chain" type="string" required>
      Blockchain network (e.g., "POLYGON")
    </ResponseField>

    <ResponseField name="amount" type="number" required>
      Amount of stablecoins to convert to fiat.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="destination" type="object" required>
  Destination of the offramp (fiat side).

  <Expandable title="properties">
    <ResponseField name="userId" type="string" required>
      The user receiving the fiat (typically the same as source.userId).
    </ResponseField>

    <ResponseField name="currency" type="string" required>
      Destination fiat currency (e.g., "usd")
    </ResponseField>

    <ResponseField name="accountId" type="string" required>
      The offramp bank account ID where fiat will be sent.
    </ResponseField>
  </Expandable>
</ResponseField>

**Response:**

```json theme={null}
{
  "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:**

<ResponseField name="transferDetails.id" type="string">
  Unique offramp transaction ID. **Save this** - you'll need it to accept the
  quote and check status.
</ResponseField>

<ResponseField name="transferDetails.status" type="string">
  Current status: `OPEN_QUOTE` means you have an active quote that needs to be
  accepted.
</ResponseField>

<ResponseField name="transferDetails.quoteInformation" type="object">
  **Critical:** Contains the conversion rate and amounts. Review this before accepting.

  <Expandable title="properties">
    <ResponseField name="rate" type="string">
      Exchange rate (stablecoin to fiat)
    </ResponseField>

    <ResponseField name="sendNet" type="object">
      <Expandable title="properties">
        <ResponseField name="amount" type="string">
          Crypto amount after fees
        </ResponseField>

        <ResponseField name="currency" type="string">
          Currency code
        </ResponseField>
      </Expandable>
    </ResponseField>

    <ResponseField name="receiveNet" type="object">
      <Expandable title="properties">
        <ResponseField name="amount" type="string">
          Fiat amount you'll receive after fees
        </ResponseField>

        <ResponseField name="currency" type="string">
          Currency code
        </ResponseField>
      </Expandable>
    </ResponseField>

    <ResponseField name="expiresAt" type="string">
      Quote expiration time
    </ResponseField>
  </Expandable>
</ResponseField>

<Warning>
  **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.
</Warning>

## Step 2: Accept the Quote

After reviewing the quote, accept it to start the offramp process using the [Accept Quote](https://docs.hifi.com/api-reference/offramp/accept-quote) endpoint:

**Request:**

```bash theme={null}
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:**

```json theme={null}
{
  "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:**

1. `OPEN_QUOTE` - Quote generated, waiting for acceptance
2. `CRYPTO_INITIATED` - Processing crypto conversion
3. `CRYPTO_PENDING` - Waiting for blockchain confirmation
4. `FIAT_PENDING` - Converting to fiat
5. `COMPLETE` - Fiat sent to bank account

**Monitor via:**

* **Polling:** Call [Retrieve an offramp](https://docs.hifi.com/api-reference/offramp/retrieve-an-offramp) with the transaction ID
* **Webhooks:** Subscribe to `OFFRAMP.UPDATE` events for real-time notifications

<Note>
  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.
</Note>

## Related Resources

* **[Quickstart Guide](/docs/guides/quickstart)** - Set up users, KYC, and accounts
* **[Receive Money](/docs/guides/receive-money)** - Convert fiat to stablecoins
* **[Offramps](/docs/transactions/offramps)** - Detailed offramp documentation
* **[Webhooks](/docs/webhooks)** - Real-time transaction monitoring
* **[API Reference](https://docs.hifi.com/api-reference)** - Complete endpoint documentation