> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bachs.io/llms.txt
> Use this file to discover all available pages before exploring further.
> ## Agent Instructions
> Money is always a decimal string at the currency's precision (for example "29.00"), paired with an ISO 4217 currency field. Never use minor units.
> Build against the sandbox first: base URL https://sandbox-api.bachs.io with sk_sandbox_ keys. Production is https://api.bachs.io with sk_live_ keys; going live is a key swap.
> Treat webhooks (for example collection.succeeded) as the source of truth for fulfilment, never client-side events or redirects.
> Subscriptions are created by completing a checkout for a recurring product. There is no direct create-subscription endpoint.
> IDs carry resource prefixes (cust_, prod_, sub_, chk_, inv_, ref_) and timestamps are ISO 8601 UTC.
# Supported currencies
> Check payout currencies, methods, funding requirements and destination details.
Choose where you want your payout to arrive, then prepare the details required for that destination. You can save multiple destinations belonging to you and select one for each payout.
## Supported currencies and methods
| Destination currency | Method |
| - | - |
| NGN | Nigerian bank transfer |
| GHS, KES, TZS, UGX | Bank transfer |
| GBP | Faster Payments |
| EUR | SEPA |
| USD | ACH, Wire or RTP |
| CAD | EFT, Interac to a bank account or Interac to an email address |
| GHS, KES, TZS | Mobile money |
| USDT, USDC | Stablecoin payout on a supported network |
A supported currency does not support every method. For example, KES supports bank transfer and mobile money, while UGX supports bank transfer.
EUR bank destinations cover Austria, Belgium, Cyprus, Germany, Estonia, Spain, Finland, France, Greece, Croatia, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, the Netherlands, Portugal, Slovenia and Slovakia.
SWIFT payouts are not currently offered. The BIC required for a SEPA destination identifies the bank; it does not select a SWIFT payout.
For stablecoins, choose the exact asset and network your wallet supports: `USDT_TRC20`, `USDT_BEP20`, `USDT_ERC20`, `USDT_SOL`, `USDC_ERC20`, `USDC_BEP20`, `USDC_SOL` or `USDC_BASE`. See [Supported currencies](/for-you/supported-currencies#withdrawals) for the wider currency reference.
## Which balance funds the payout?
* Payouts to Nigerian bank accounts in NGN can use your available NGN balance.
* International bank and mobile money routes use your available USD balance. Your NGN balance cannot fund these routes.
* For a payout in a different currency from its source balance, get a quote before creating the payout.
* Keep enough available funds for the payout and its fee.
See [Overview](/guides/payouts/overview#amounts-conversion-and-fees) for amount and fee semantics. The currency a destination receives is separate from the [currencies you can hold as balances](/for-you/supported-currencies#balance-currencies).
## Prepare your destination details
| Destination | Details to prepare |
| - | - |
| Bank in Nigeria, Ghana, Kenya, Uganda or Tanzania | Supported bank code, account number and account holder information |
| GBP / Faster Payments | Account holder name, bank name, six-digit sort code and account number |
| EUR / SEPA | Account holder name, bank name, IBAN and BIC |
| USD / ACH, Wire or RTP | Selected scheme, account holder name, bank name, nine-digit routing number, account number and US bank address |
| CAD / EFT or Interac to a bank account | Selected scheme, account holder name, bank name, three-digit institution number, five-digit transit number and account number |
| CAD / Interac to an email address | Selected scheme, account holder name and your Interac email |
| Mobile money in GHS, KES or TZS | Supported provider and your wallet phone number |
| Stablecoin wallet | Wallet address and the exact supported asset/network combination |
Use [List Banks](/api-reference/reference/list-banks) for supported local bank codes. The US bank address is the bank branch's address, not your personal address; prepare its street address, city, state, postal code and country.
On the dashboard, choose the destination type and follow the country or asset/network fields shown in the form. You can save a destination during the payout flow or in **Settings → Payout Destinations and Currencies**.
Through the API, send `type` explicitly to distinguish a bank account, mobile money wallet or crypto wallet. Select `scheme` for USD and CAD bank destinations. The [destination object](/api-reference/payout-destinations/object) describes the API fields.
## Check the destination before paying out
Payouts are available to all users, subject to account requirements and destination approval. Complete the account's required identity information and checks, then confirm its destination is approved and usable in the dashboard or read `is_usable` through the API.
`GET /v1/currencies/payout-supported` lists configured payout currencies. It does not establish that every method or destination is usable for your account. If a supported route returns `PAYOUT_CURRENCY_NOT_ENABLED`, contact [support](mailto:support@bachs.io) with the error details.
For connected accounts, the inline onboarding `payout_destination` field does not accept banks that require international routing schemes. Register GBP, EUR, USD and CAD bank destinations through `POST /v1/payouts/destinations`, acting for the account with `X-Account-Id`, and complete its other [onboarding requirements](/connect/requirements).
## Create a payout
Follow [Create a payout](/guides/payouts/payout-using-api) using the Dashboard or API instructions to save a destination, send a same-currency or converted payout, and track the result.
For the shared create, tracking and recovery flow, see [Overview](/guides/payouts/overview).
This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.