How Payouts / Withdraws Work

How Payouts Work

The payout process follows these steps:

User Verification

All users must complete identity verification before their first payout:

KYC for Individuals

Typically approved in under 10 seconds

KYB for Businesses

Usually completes within 30 seconds

• 90% auto-approved within 30 seconds
• Manual review takes up to 24 hours (if needed)

What’s required: Country of residence, government-issued ID, and a selfie

Already have KYC data?

If you conduct KYC on your platform, you can pass user verification data directly to Coinflow via API. See the API reference for details.

Learn more: KYC Verification

Bank Account or Card Linking

Users link their payout destination:

Bank Account

For ACH, RTP, SEPA, or UK Faster Payments

Debit Card

For push-to-card instant payouts

Implementation: Depending on your chosen method, you may need to integrate bank authentication. Coinflow’s pre-built UI handles bank linking and account verification end-to-end.

Learn more: Bank Authentication UI

Payout Speed Selection

Users choose their preferred payout speed based on urgency:

Instant

Funds arrive in seconds (RTP, push-to-card)

Same Day

Within 24 business hours (same-day ACH)

Standard

2-3 business days (standard ACH)

Learn more: Understanding Payout Speeds

Withdrawal Confirmation

Once the payout is processed, users receive confirmation. You’ll also receive webhook notifications for tracking payout status.