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

# Off-ramp: Withdraw stablecoin to a bank account

> Compare US and international off-ramp flows: destinations, pricing, quotes, third-party recipients, supported chains, and which quickstart to follow.

An off-ramp converts a customer's stablecoin balance into fiat and pays it into a bank account. There are two ways to do it. Both use the same endpoint (`POST /v2/conversions`), but they differ in where the money can land, what details you collect, and how pricing works.

|                                 | US                                                                                                      | International                                                                                                                           |
| ------------------------------- | ------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------- |
| **Where the money lands**       | A bank account in the United States                                                                     | A bank account in one of 60+ other countries                                                                                            |
| **What the recipient receives** | USD, one-for-one with the USDC converted                                                                | The local currency, converted at the market rate                                                                                        |
| **Who can receive it**          | The customer's own bank account only                                                                    | The customer's own account, or someone else's. An individual or a business                                                              |
| **What you collect**            | Account number and routing number for a wire                                                            | Varies by country. In some countries the customer also picks their bank from a list you fetch from Bastion                              |
| **Pricing**                     | Submit the amount directly. A flat wire fee is taken out of it, so the recipient receives slightly less | Request a quote first. It returns the exchange rate, the fees, and the total cost, and you reference that quote when you submit         |
| **Charging your own fee**       | Not available                                                                                           | You can add your own fee, set per destination country. It appears as a separate line on the quote so you can show customers a breakdown |
| **Stablecoins and chains**      | USDC on Ethereum, Solana, and Base. USDT on Ethereum                                                    | USDC on Ethereum, Solana, Base, and Polygon                                                                                             |

Both follow the same status lifecycle: `INITIATED` → `PROCESSING` → `PAYOUT_INITIATED` → `PAYOUT_IN_PROGRESS` → `COMPLETED`, with `FAILED` and `RETURNED` as terminal errors.

**The customer holding the account must be a US person either way.** What differs is where the money goes, not who can hold the account. A US customer can send to their own US bank account, to their own bank account abroad, or to someone else's bank account abroad. See [Jurisdiction overview](/guides/getting-started/jurisdiction-overview) for eligibility, state-level exceptions, and restricted jurisdictions.

**Integrating US payouts only:** follow the US quickstart. It is the shorter of the two. You collect wire details once per bank account and submit conversions directly.

**Integrating international payouts:** follow the international quickstart. Two extra calls are involved, one to price the conversion and one to look up banks in the countries that need it, and the bank details you collect depend on the destination country.

**Integrating both:** the identity, account, and balance steps are identical. Branch on the destination country when you register bank details, and skip the pricing step for US payouts.

| Quickstart                                                                                                      | What it covers                                                                  |
| --------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------- |
| [Withdraw stablecoin to a US bank account](/guides/quickstarts/off-ramp/withdraw-to-a-bank-account)             | USDC to USD by wire, to the customer's own bank account                         |
| [Withdraw stablecoin to an international bank account](/guides/quickstarts/off-ramp/international-bank-account) | USDC to local currency across 60+ countries, to the customer or to someone else |

Country coverage, the details required for each country, and which countries need a bank lookup are in [Off-ramp payout countries and required fields.](/v2/api-reference/conversions/off-ramp-payout-countries-and-required-fields)


## Related topics

- [Off-ramp: Withdraw stablecoin to a US bank account](/guides/quickstarts/off-ramp/withdraw-to-a-bank-account.md)
- [Off-ramp: Withdraw stablecoin internationally](/guides/quickstarts/off-ramp/international-bank-account.md)
- [Supported off-ramp payout countries](/guides/getting-started/supported-off-ramp-payout-countries.md)
- [Off-ramp payout countries and required fields](/v2/api-reference/conversions/off-ramp-payout-countries-and-required-fields.md)
- [Stablecoin on-ramp and off-ramp conversions](/guides/concepts/stablecoin-conversions.md)