Off-ramp API

The off-ramp API turns USDC into local currency payouts to any recipient: a phone number, a till, a paybill, or a bank account. Checkout collects money from your customers; the off-ramp API sends money out. Use it for remittances, payroll, supplier payments, or to add an off-ramp feature to your own product.

Non-custodial by design

Minisend never holds your funds. USDC moves directly from your wallet into settlement, and Minisend delivers the local currency payout. The deposit flow depends on the payout currency:

Payout currency	Deposit flow
KES, GHS, UGX	Send USDC to the settlement address, then submit your transaction hash
NGN	Send USDC to a single-use deposit address. Detected automatically

Every order includes a refund_address. If a payout cannot be delivered, funds return there. Minisend never keeps them.

How it works

Quote

POST /api/offramp/quote returns the rate, the fee, and what the recipient will receive.

Create an order

POST /api/offramp/orders validates the recipient’s account, then returns a deposit_address and the exact amount to send.

Send USDC on Base

Transfer total_deposit_usdc from your wallet to deposit_address before expires_at.

Submit the hash (KES, GHS, UGX only)

POST /api/offramp/orders/{order_id}/deposit with your transaction hash. NGN deposits are detected automatically.

Payout delivered

The order completes and an offramp.completed webhook delivers the payout receipt.

Order lifecycle

Status	Meaning
`pending`	Waiting for your USDC deposit
`settling`	Deposit accepted, payout in flight
`completed`	Recipient paid. `settlement_receipt` holds the payout reference
`failed`	Payout failed. NGN deposits are refunded to `refund_address` automatically
`expired`	No deposit before `expires_at`. Nothing was sent, nothing is owed

completed, failed, and expired are final. Track orders by polling or with webhooks.

Fees and rates

Currency	Fee	Rate
KES, GHS, UGX	1% of the local amount	Executed live when your deposit is processed; quotes are indicative
NGN	0%, included in the rate	Locked when the order is created

The recipient receives amount_local − fee. Every quote includes recipient_amount, so you can show the exact payout before creating an order.

Limits

Orders accept 0.5 – 50,000 USDC, and the local equivalent must fall inside the per-transaction range for the currency:

Currency	Per-transaction range
KES	20 – 250,000
GHS	5 – 5,000
UGX	500 – 5,000,000

Amounts outside these ranges are rejected at quote time with a 400, before any funds move.

Getting access

Off-ramp access is enabled per account. Contact Minisend to activate it. Once enabled, your existing ms_live_ API key carries the offramp scope and every endpoint in this section works. Calls without the scope return 403.

Make your first payout

Quote, create, deposit, and confirm an order end to end.

​Non-custodial by design

​How it works

​Order lifecycle

​Fees and rates

​Limits

​Getting access