> ## 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.

# Payouts

> Send money from end-user wallets to bank accounts, mobile money, or crypto

Payouts withdraw funds from an end-user's wallet to an external destination. Axra routes to the optimal rail automatically based on the destination (bank, crypto, mobile money) and the destination currency.

## Create a payout

```bash theme={null}
curl -X POST https://api.useaxra.com/api/v1/treasury/payouts \
  -H "Authorization: Bearer sk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "partnerEndUserId": "eu_abc123",
    "partnerWalletId": "w_xyz",
    "amount": "100",
    "destinationType": "mobile_money",
    "destination": {
      "country": "NG",
      "accountNumber": "+2348000000000",
      "accountName": "Jane Doe",
      "networkName": "MTN"
    }
  }'
```

## Sandbox payout outcomes

Control results in sandbox with `metadata.test_outcome`:

| Value                     | Behavior                           |
| ------------------------- | ---------------------------------- |
| *(none)*                  | Completes after 2 seconds          |
| `fail_insufficient_funds` | Fails immediately, reverses ledger |
| `delay_24h`               | Completes after 24 hours           |

<Card title="API Reference" icon="code" href="/api-reference/treasury/create-payout">
  See full endpoint documentation.
</Card>