API Integration
Overview
Coinflow’s API provides complete control over the payout experience. Use our REST API to build custom payout flows that integrate seamlessly into your application.
Choose Your Implementation Guide
Select the guide that matches your payout flow:
Merchant Payout from Coinflow Balance
Use this when paying out from Coinflow’s managed in-app balance.
Best for:
- Simplest merchant payout integration
- Avoiding balance management overhead
- Eliminating network fees
Requirements:
- Coinflow in-app balance setup
- Sufficient USDC balance in Coinflow
- User identification via internal IDs
Advanced: Crypto-Native Merchants
Merchant Payout from BYO Wallet
Use this when you’re paying out from your own crypto wallet (non-Coinflow wallet).
Best for:
- Gaming platforms managing player balances
- Marketplaces handling seller payouts
- Rewards programs disbursing earnings
Requirements:
- Your own wallet with USDC/EUROe balance
- Ability to sign blockchain transactions
- User identification via internal IDs
Direct User Withdrawal
Advanced: Platforms where users hold and manage their own balances.
Requirements:
- Users have their own crypto wallets
- Users can sign blockchain transactions
- User identification via wallet addresses
Implementation Flow Comparison
Advanced: Compare Merchant Balance vs Direct User Withdrawal
| Feature | Merchant Coinflow Balance | Direct User Withdrawal |
|---|---|---|
| Balance Management | Coinflow managed | User managed |
| User Identification | Internal ID | Wallet address |
| Transaction Signing | Coinflow handles | User’s wallet |
Advanced: BYO Wallet comparison
| Feature | Merchant BYO Wallet | Merchant Coinflow Balance | Direct User Withdrawal |
|---|---|---|---|
| Wallet Management | You manage | Coinflow manages | User manages |
| Gas Fees | You pay | None | User pays |
| User Identification | Internal ID | Internal ID | Wallet address |
| Transaction Signing | Your backend | Coinflow handles | User’s wallet |
| Balance Management | Your responsibility | Coinflow managed | User managed |
API Endpoints Reference
Once you’ve reviewed the implementation guide, refer to our API documentation for endpoint details:
Core Endpoints
-
Create Withdrawer - Complete KYC/KYB verification API Reference →
-
Add Bank Account - Link user’s bank account API Reference →
-
Tokenize Debit Card - Add card for push-to-card payouts Learn more →
-
Initiate Withdrawal - Submit payout request API Reference →
-
Get Withdrawal Status - Check payout status API Reference →
Next Steps
- Select your implementation guide (above) based on your payout flow
- Set up KYC verification - KYC Verification Options
- Configure bank/card linking - Bank Authentication or Debit Card Tokenization
- Review payout scenarios - Common Scenarios
- Test in sandbox - Use test credentials to validate your integration