---
title: "Payout to a user via Coinflow Wallet"
method: POST
path: "/merchant/withdraws/payout/delegated"
tags: ["merchant"]
---

# Payout to a user via Coinflow Wallet

`POST /merchant/withdraws/payout/delegated`

Payout a user from the coinflow wallet balance.
By default, this endpoint waits for transaction confirmation before returning.
Set waitForConfirmation to false to return immediately after queuing the transaction.

## Headers

- `Authorization` string, required

## Request body

- PayoutDelegatedArgs — From T, pick a set of properties whose keys are in the union K
  - `speed` 'asap' | 'same_day' | 'standard' | 'card' | 'iban' | 'pix' | 'eft' | 'venmo' | 'paypal' | 'wire' | 'interac' | 'swift' | 'crypto', required
  - `userId` string, required — The Merchant generated userId for the user.
  - `waitForConfirmation` boolean — If true (default), the API will wait for transaction confirmation before returning. If false, the transaction will be queued for processing and the API will return immediately with just the signature.
  - `idempotencyKey` string, required — Client generates an idempotency key, which is a unique key that the server uses to recognize subsequent retries of the same request. How you create unique keys is up to you, but we suggest using V4 UUIDs, or another random string with enough entropy to avoid collisions.
  - `account` union, required — The payout destination. Every speed except crypto takes the payout account token; the crypto speed takes the on-chain destination.
    - string
    - DelegatedCryptoDestination
      - `address` string, required — The on-chain address the funds will be delivered to. Coinflow does NOT validate this address — if it is wrong, malformed for the chain, or controlled by an attacker, the funds are gone.
      - `chain` string, required — The destination chain id from the crypto payout tokens endpoint (e.g. "eip155:8453").
      - `token` string, required — The token id to deliver from the crypto payout tokens endpoint — the lowercase symbol (e.g. "usdc"), matched case-insensitively.
  - `amount` PayoutDelegatedArgsAmount, required
    - `cents` integer, required
    - `currency` 'USD' | 'AED' | 'AFN' | 'ALL' | 'AMD' | 'ANG' | 'AOA' | 'ARS' | 'AUD' | 'AWG' | 'AZN' | 'BAM' | 'BBD' | 'BDT' | 'BGN' | 'BHD' | 'BIF' | 'BMD' | 'BND' | 'BOB' | 'BRL' | 'BSD' | 'BTN' | 'BWP' | 'BYN' | 'BZD' | 'CAD' | 'CHF' | 'CLF' | 'CLP' | 'CNY' | 'COP' | 'CRC' | 'CUP' | 'CVE' | 'CZK' | 'DJF' | 'DKK' | 'DOP' | 'DZD' | 'EGP' | 'ETB' | 'EUR' | 'FJD' | 'GBP' | 'GEL' | 'GHS' | 'GMD' | 'GNF' | 'GTQ' | 'GYD' | 'HKD' | 'HNL' | 'HTG' | 'HUF' | 'IDR' | 'ILS' | 'INR' | 'IQD' | 'IRR' | 'ISK' | 'JMD' | 'JOD' | 'JPY' | 'KES' | 'KGS' | 'KHR' | 'KMF' | 'KRW' | 'KWD' | 'KYD' | 'KZT' | 'LAK' | 'LBP' | 'LKR' | 'LRD' | 'LSL' | 'LYD' | 'MAD' | 'MDL' | 'MGA' | 'MKD' | 'MMK' | 'MNT' | 'MOP' | 'MRU' | 'MUR' | 'MWK' | 'MVR' | 'MXN' | 'MYR' | 'MZN' | 'NAD' | 'NGN' | 'NIO' | 'NOK' | 'NPR' | 'NZD' | 'OMR' | 'PAB' | 'PEN' | 'PGK' | 'PHP' | 'PKR' | 'PLN' | 'PYG' | 'QAR' | 'RON' | 'RSD' | 'RWF' | 'SAR' | 'SCR' | 'SDG' | 'SEK' | 'SGD' | 'SLE' | 'SLL' | 'SOS' | 'SRD' | 'STN' | 'SVC' | 'SYP' | 'SZL' | 'THB' | 'TJS' | 'TMT' | 'TND' | 'TOP' | 'TRY' | 'TTD' | 'TWD' | 'TZS' | 'UAH' | 'UGX' | 'UYU' | 'UZS' | 'VND' | 'VUV' | 'WST' | 'XAF' | 'XCD' | 'XOF' | 'XPF' | 'YER' | 'ZAR' | 'ZMW' | 'ZWL' | 'CDF' | 'ERN' | 'FKP' | 'KPW' | 'RUB' | 'SBD' | 'SHP' | 'SSP' | 'VES'

## Response `200`

Ok

- DelegatedPayoutResponse
  - `signature` string
  - `effectiveSpeed` 'asap' | 'same_day' | 'standard' | 'card' | 'iban' | 'pix' | 'eft' | 'venmo' | 'paypal' | 'wire' | 'interac' | 'swift' | 'crypto', required

## Other responses

- `402` — Insufficient Funds
- `451` — User Must Complete Additional Verification
- `503` — Payout encountered a temporary issue and needs to be retried, please immediately retry the request.

## Changes

- **2026-08-27** `2fe20f99a11a` — 1 breaking, 1 warning, 2 info
  - the `account` request property type/format changed from `string`/`` to ``/``
  - added the new `crypto` enum value to the `effectiveSpeed` response property for the response status `200`
  - added the new `crypto` enum value to the request property `speed`
  - added `#/components/schemas/DelegatedCryptoDestination, subschema #1` to the `account` request property `oneOf` list
- **2026-08-22** `c6be39c0cb2f` — 1 warning
  - the `amount/cents` request property's min was set to `0.00`
- **2026-08-05** `2d19f46431d5` — 1 breaking
  - the response property `signature` became optional for the status `200`

[Change history](https://skmtc.dev/coinflow/apis/api-reference/changes/merchant/withdraws/payout/delegated/post.md)

---

[API](https://skmtc.dev/coinflow/apis/api-reference.md) · [All operations](https://skmtc.dev/coinflow/apis/api-reference/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/coinflow/api-reference/revisions/430f04d8d2a9/schema)