> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useaxra.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Initiate a business payout



## OpenAPI

````yaml /openapi.json post /api/v1/business/payouts
openapi: 3.0.0
info:
  title: Axra Public API
  description: Merchant and third-party developer API surface
  version: '2026-04-15'
  contact: {}
servers:
  - url: http://localhost:3001
    description: Local development
  - url: https://staging-api.useaxra.com
    description: Staging
  - url: https://api.useaxra.com
    description: Production
security: []
tags: []
paths:
  /api/v1/business/payouts:
    post:
      tags:
        - Business Payouts
      summary: Initiate a business payout
      operationId: BusinessPayoutsController_create
      parameters:
        - name: X-Axra-Business-Id
          in: header
          description: Active business context
          required: false
          schema:
            type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              oneOf:
                - $ref: '#/components/schemas/BusinessCreatePayoutDto'
                - $ref: '#/components/schemas/CreateLocalBankPayoutDto'
                - $ref: '#/components/schemas/CreateLocalMomoPayoutDto'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                    example: true
                  data:
                    $ref: '#/components/schemas/PayoutResponseDto'
                required:
                  - success
                  - data
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
        '404':
          description: Not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
        '409':
          description: Conflict
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
        '422':
          description: Unprocessable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
        '429':
          description: Too many requests
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
        '500':
          description: Server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HttpErrorEnvelopeDto'
      security:
        - bearer: []
components:
  schemas:
    BusinessCreatePayoutDto:
      type: object
      properties:
        rail:
          type: string
          enum:
            - CRYPTO
            - ACH
            - WIRE
            - SEPA
            - SWIFT
            - LOCAL_BANK
            - LOCAL_MOMO
        recipientId:
          type: string
          description: >-
            Saved recipient id (required for LOCAL_BANK / LOCAL_MOMO; mutually
            exclusive with destination on other rails)
        destination:
          type: object
          description: >-
            Ad-hoc destination (not supported for LOCAL_BANK / LOCAL_MOMO in v1;
            mutually exclusive with recipientId)
        quoteToken:
          type: string
          description: >-
            Signed quote token from POST /v1/business/payouts/quote (required
            for LOCAL_BANK / LOCAL_MOMO)
        amount:
          type: string
          example: '50.00'
          description: >-
            Decimal string (up to 8 fractional digits). Ignored for LOCAL_*
            rails — amounts come from quoteToken.
        currency:
          type: string
          enum:
            - USDC
            - EURC
            - GBPC
          description: >-
            Ignored for LOCAL_* rails — wallet debit currency is USDC from the
            quote.
        twoFactorCode:
          type: string
          description: Fresh TOTP code when amount >= $10k USD-equivalent
        idempotencyKey:
          type: string
          minLength: 8
          maxLength: 64
        metadata:
          type: object
      required:
        - rail
        - quoteToken
        - idempotencyKey
    CreateLocalBankPayoutDto:
      type: object
      properties:
        rail:
          type: string
          enum:
            - LOCAL_BANK
        quoteToken:
          type: string
          description: Signed quote token from POST /v1/business/payouts/quote
        recipientId:
          type: string
          description: Saved recipient id (from POST /v1/business/payouts/recipients)
        idempotencyKey:
          type: string
          minLength: 8
          maxLength: 64
        metadata:
          type: object
      required:
        - rail
        - quoteToken
        - recipientId
        - idempotencyKey
    CreateLocalMomoPayoutDto:
      type: object
      properties:
        rail:
          type: string
          enum:
            - LOCAL_MOMO
        quoteToken:
          type: string
          description: Signed quote token from POST /v1/business/payouts/quote
        recipientId:
          type: string
          description: Saved recipient id (from POST /v1/business/payouts/recipients)
        idempotencyKey:
          type: string
          minLength: 8
          maxLength: 64
        metadata:
          type: object
      required:
        - rail
        - quoteToken
        - recipientId
        - idempotencyKey
    PayoutResponseDto:
      type: object
      properties:
        id:
          type: string
        partnerId:
          type: string
        partnerEndUserId:
          type: string
        partnerWalletId:
          type: object
        amount:
          type: string
          example: '100.00'
        currency:
          type: string
          example: USDC
        destinationType:
          type: string
        destinationDetails:
          type: object
          additionalProperties: true
        status:
          type: string
          enum:
            - PENDING
            - PROCESSING
            - COMPLETED
            - FAILED
            - CANCELLED
        failureReason:
          type: object
        createdAt:
          format: date-time
          type: string
        updatedAt:
          format: date-time
          type: string
      required:
        - id
        - partnerId
        - partnerEndUserId
        - amount
        - currency
        - destinationType
        - destinationDetails
        - status
        - createdAt
        - updatedAt
    HttpErrorEnvelopeDto:
      type: object
      properties:
        success:
          type: boolean
          example: false
        error:
          $ref: '#/components/schemas/HttpErrorBodyDto'
      required:
        - success
        - error
    HttpErrorBodyDto:
      type: object
      properties:
        code:
          type: string
          example: VALIDATION_ERROR
        message:
          type: string
          example: email must be an email
        statusCode:
          type: number
          example: 400
        errors:
          type: object
          description: >-
            Optional per-field validation messages (when present on the source
            exception)
          additionalProperties:
            type: array
            items:
              type: string
      required:
        - code
        - message
        - statusCode
  securitySchemes:
    bearer:
      scheme: bearer
      bearerFormat: JWT
      type: http

````