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

# Offramp

> Convert stablecoins from your Conduit balance to fiat and deposit to a bank account.

## **Offramp**

Offramp transactions represent the movement of value from **your Conduit stablecoin balance** to **a traditional bank account (fiat)**.

**Type:** `offramp`

### **How offramps work**

At a high level, the flow is:

1. Funds are sourced from your Conduit balance in stablecoin stored in your wallet.
2. Conduit performs the conversion from stablecoin to fiat using a locked exchange rate ([Quote](/core-concepts/quotes)).
3. Conduit deposits the converted fiat into the selected destination [Bank Account](/core-concepts/payment-methods).

   <Note>
     Compliance documentation may be required depending on the transaction.
   </Note>

### **Key fields**

* [**Source**](/core-concepts/payment-methods): wallet ID (`wlt_...`) or bank account ID (`bank_...`) — the origin of the funds for compliance purposes.
* [**Destination**](/core-concepts/payment-methods): bank account ID (`bank_...`) — the ultimate recipient bank account where the fiat will be deposited.
* [**Quote**](/core-concepts/quotes): valid quote ID to lock the conversion rate for the stablecoin → fiat pair.
* **Purpose**: transaction purpose code (recommended).
* **Documents**: supporting documentation for compliance or justification (if required).
* **Reference** (optional): your internal tracking reference.

### **Transaction status flow**

```mermaid theme={null}
flowchart LR
  A[Initializing] --> B[Created]
  B --> C[Processing Settlement]
  C --> D[Completed]
```

Your transaction progresses through these stages:

* **Initializing**: transaction is being created and validated.
* **Created**: transaction is accepted and ready for settlement.
* **Processing settlement**: Conduit is converting funds and sending fiat to your bank account.
* **Completed**: funds have been delivered to your bank account.

### **Understanding true sender and true recipient**

#### **Why this matters**

Compliance requires visibility into the actual parties involved in each transaction, not just intermediaries. Misidentification can result in:

* Payment delays or rejections
* Compliance review failures
* Risk of limited access or account offboarding

#### **True sender definition**

The true sender is the business that provides the funds for a transaction.

If you’re acting on behalf of a customer:

* The customer is the true sender — not your business, even if funds move through your accounts
* Example: Acme Corp pays a vendor via your platform → Acme Corp is the true sender

If the funds come from your own business account:

* Your company is the true sender
* Example: You pay a vendor directly → Your company is the true sender

#### **True recipient definition**

The true recipient is the person or business that ultimately receives and benefits from the funds.

If you’re paying on behalf of a customer:

* The final beneficiary is the true recipient — not your business
* Example: Acme Corp pays a contractor via your platform → The contractor is the true recipient

If the payment is for your own operations:

* The vendor or account receiving funds is the true recipient
* Example: You pay your supplier → The supplier is the true recipient

<Note>
  These may not always appear as explicit API fields but remain critical for compliance.
</Note>

### **Best practices**

* Ensure the destination bank account is verified before initiating the transaction.
* Use a valid [Quote](/core-concepts/quotes) and complete the transaction before it expires.
* Retain settlement confirmations and any supporting documentation for compliance.
* Monitor transaction status through the API or [Webhooks](/developer-sections/webhooks).

## **What's next?**

Now that you know what an offramp is and how it works, learn how to create one by following the [Creating an Offramp Transaction](/guides/transaction/first-offramp-transaction) guide.

For full request details, see the [API Reference](/api-reference/transactions/create-a-transaction).

## Support

Reach out to our [support team](https://support.conduitpay.com/) to get help and share your feedback.