Withdraw Fiat

Initiate a fiat withdrawal from a user subaccount. The request body varies depending on the currency. Existing non-named withdrawal behavior is unchanged. USD withdrawals can include payment_rail. Named withdrawals currently support USD only, require a business recipient identified by business_name with beneficiary_date_of_formation, beneficiary_country_of_formation, and beneficiary_national_identification_number, and support only WIRE and SWIFT. RTP, SAME_DAY_ACH, and ACH remain supported only for non-named USD flows where applicable. All withdrawal requests require approved KYC.

POST /v1/ramp/{subaccountId}/banking/withdrawals

cURL

USD

curl --request POST \
  --url https://api.bullring.finance/v1/ramp/{subaccountId}/banking/withdrawals \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "recipient_id": "f556899a-eea7-4a18-b9e8-6346823a9b06",
  "amount": "1",
  "currency": "USD",
  "wire_message": "Payment for services",
  "client_reference": "123e4567-e89b-12d3-a456-426614174000",
  "payment_rail": "WIRE"
}
'

201

USD

{
  "id": "856b896f-3f16-4f70-952d-ce1f65b28aaa",
  "amount": "1",
  "currency": "USD",
  "status": "pending",
  "created_at": "2025-11-21T15:59:09.341Z",
  "protocol": "wire",
  "description": "Payment for services",
  "client_reference": "123e4567-e89b-12d3-a456-426614174000",
  "local_currency": "USD",
  "local_amount": 1,
  "destinationAddress": null,
  "tx_hash": null,
  "destination_tag": null,
  "fee_amount": "15.01",
  "fee_currency": "USD",
  "rate": 1,
  "gross_amount": 16.01
}

Authorizations

x-api-key · string · header · required

Path Parameters

subaccountId · string · required

Body

application/json

USD

BRL

NGN

GHS

Requires approved KYC. payment_rail is USD-only and supports RTP, WIRE, SWIFT, SAME_DAY_ACH, and ACH. Set named_withdrawal to true only for USD named withdrawals. Named withdrawals require a business recipient identified by business_name and the recipient must include beneficiary_date_of_formation, beneficiary_country_of_formation, and beneficiary_national_identification_number. Named withdrawals support only WIRE and SWIFT. RTP, SAME_DAY_ACH, and ACH remain supported only for non-named USD flows where applicable.

recipient_id · string · required

amount · string · required

currency · enum<string> · required

Available options: USD

wire_message · string

client_reference · string

Optional client-provided reference for reconciliation.

payment_rail · enum<string>

USD-only payment rail. For named withdrawals, only WIRE and SWIFT are supported. RTP, SAME_DAY_ACH, and ACH are for non-named USD flows where applicable.

Available options: RTP, WIRE, SWIFT, SAME_DAY_ACH, ACH

named_withdrawal · boolean

Set to true for a USD named withdrawal. Named withdrawals require a business recipient with business_name and the three beneficiary fields, and support only WIRE and SWIFT.

origin_id · string

Optional unique client-provided reference for reconciliation.

Response

201

application/json

Withdrawal initiated successfully

id · string<uuid>

amount · string

currency · string

status · string

created_at · string<date-time>

client_reference · string<uuid>

protocol · string

description · string | null

local_currency · string

local_amount · number

destinationAddress · string | null

tx_hash · string | null

destination_tag · string | null

fee_amount · string

fee_currency · string

rate · number

gross_amount · number

net_amount · number