> ## 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.

# Local-rail payouts

> Send African bank transfers and mobile money payouts from your USDC balance using the Business Payouts API.

Pay out to local bank accounts and mobile money wallets across supported African corridors. Funds debit your merchant USDC wallet at the locked FX rate. The flow is quote → confirm: you receive a signed quote token valid for 60 seconds, then submit the payout with a saved `recipientId` or an inline `recipient`.

<Note>
  The payout endpoints accept the same credentials as the rest of the API — pass your `x-api-key` header (or a JWT from token exchange) on every call. Payouts are fully server-to-server, at parity with the [Collections API](/payments/local-rails-api); no dashboard interaction is required.
</Note>

<CardGroup cols={2}>
  <Card title="Get a quote" icon="calculator" href="/payments/payouts/quote">
    Lock FX before confirming a payout.
  </Card>

  <Card title="Corridors & recipient shapes" icon="globe" href="/payments/payouts/local-rails">
    Supported countries and required fields.
  </Card>
</CardGroup>

## Flow overview

1. **(Optional) Create a recipient** — `POST /v1/business/payouts/recipients` with bank or mobile-money details. Skip this step if you pass the recipient inline on confirm. Sanctions screening runs in both cases.
2. **Request a quote** — `POST /v1/business/payouts/quote` with rail, corridor, and either `srcAmount` (USDC) or `dstAmount` (local currency).
3. **Confirm the payout** — `POST /v1/business/payouts` with `quoteToken`, **either** `recipientId` **or** an inline `recipient`, and `idempotencyKey`, within the 60-second window.
4. **Track status** — poll `GET /v1/business/payouts/{id}` or subscribe to payout webhooks.

## SDK quick start

<CodeGroup>
  ```bash Node.js theme={null}
  npm install @useaxra/node@0.6.0
  ```

  ```bash Python theme={null}
  pip install axra==0.4.0
  ```
</CodeGroup>

```typescript theme={null}
import { Axra } from '@useaxra/node';

const axra = new Axra(process.env.AXRA_SECRET_KEY!);

const quote = await axra.payouts.quote({
  rail: 'LOCAL_BANK',
  country: 'NG',
  currency: 'NGN',
  srcAmount: '100.00',
});
```

```python theme={null}
from axra import Axra

client = Axra(os.environ["AXRA_SECRET_KEY"])

quote = client.payouts.quote(
    rail="LOCAL_BANK",
    country="NG",
    currency="NGN",
    src_amount="100.00",
)
```

<Note>
  Collections (inbound local rails) are documented under [Local rails — server-to-server](/payments/local-rails-api). This section covers **outbound** payouts only.
</Note>