For the complete documentation index, see llms.txt. Append
.mdto any page URL for its markdown version.
Off-ramp refers to the process of converting cryptocurrency into fiat currency. The customer sends crypto to Banxa, and Banxa delivers the fiat payout to the customer's bank account or payment method.
- Your customer selects the crypto they want to sell and the amount.
- They provide their bank account or payout details.
- They complete identity verification (KYC) if required.
- The crypto is transferred to Banxa's receiving wallet — either by the customer (non-custodial) or by your platform (custodial).
- Banxa verifies receipt of the crypto and releases the fiat payout to the customer.
The sell flow has two variants depending on how the crypto transfer is executed:
| Non-custodial | Custodial | |
|---|---|---|
| Who transfers the crypto | Customer, or your wallet app on their behalf | Your platform |
| How | Depends on the flow configured for your account: QR code, MetaMask, a redirect back to your wallet app (Native Wallet), or a WebView bridge | Your platform executes the transfer, then confirms it via POST /v2/orders/{orderId}/confirm |
| Typical use case | Consumer wallets | Exchange or custodial wallet products |
→ See Custodial vs. Non-Custodial for implementation details.
Banxa pays out sell orders by bank transfer, and by card payout in selected European countries. Supported payout methods include NPP Direct Entry (AUD), SEPA (EUR), Interac (CAD), ACH (USD), Faster Payments (GBP), and card payouts (EUR).
→ See Supported Payment Methods for method IDs and regions.
You can also check the methods available for a given fiat currency at runtime:
GET /{partnerRef}/v2/payment-methods/sellRetrieve the lists for sell from the API. Pass sell as the order type; without it these endpoints return buy data.
GET /{partnerRef}/v2/fiats/sell → fiat currencies, with payout method limits
GET /{partnerRef}/v2/crypto/sell → cryptocurrencies and blockchains accepted for sell
GET /{partnerRef}/v2/countries → supported countries (same for buy and sell)Off-ramp must be enabled and configured for your partner account before you can create sell orders. Contact Banxa to:
- Enable off-ramp for your account.
- Choose your fulfilment flow (custodial, or a non-custodial flow such as QR code or Native Wallet).
- Configure supported crypto assets and payout methods.
Each sell order has a deposit window. The crypto must arrive with the exact amount, on the right network and with the memo (if any) before the window closes.
| Situation | What happens |
|---|---|
| Order created but checkout never submitted | The order expires, by default after 20 minutes. |
| Deposit window | Set per payout method, typically 60 minutes plus a short buffer. |
| Deposit seen on-chain but not yet confirmed when the window closes | The order is not expired; Banxa waits for confirmation. |
| Exact amount received | Confirmed automatically; the payout continues. |
| Underpaid | The deposit window is extended once and the order returns to waiting for the deposit, so the customer can top up. If it is still short, Banxa Support handles it manually. |
| Overpaid | Banxa Support handles it manually. |
| Wrong asset or wrong network | Not handled automatically. Contact Banxa Support. |
| Missing memo or tag | The deposit can't be matched automatically. Contact Banxa Support. |
| Deposit after the order expired | Contact Banxa Support. |
These cases can't be resolved through the API. Contact Banxa Support with the order ID and transaction hash. Crypto that arrives after a sell order has expired is not picked up automatically. → See Order Statuses.
Sell refunds are handled manually by Banxa Support. → See Refunds and Chargebacks.
→ API Integration: Create Sell Order → Referral Integration: sell links → Buy vs. sell: what changes from the on-ramp