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

# Introduction

> Programmatically convert USDC and USDT into fiat payouts to bank accounts worldwide.

The MW Payouts API lets you retrieve exchange-rate quotes, manage payout recipients, and submit stablecoin-to-fiat transfers on behalf of your account. You send USDC or USDT to a deposit address; MW converts it and delivers fiat to your recipient's bank account.

## How a payout works

<Steps>
  <Step title="Quote">
    Call [`GET /api/payouts/quote`](/api-reference/payouts/get-a-quote) to get a live exchange rate, fees, and an estimated delivery time. The response includes a `quoteId` valid for 5 minutes.
  </Step>

  <Step title="Recipient">
    Look up the required fields with [`GET /api/payouts/account-requirements`](/api-reference/recipients/get-account-requirements), then create a recipient with [`POST /api/payouts/recipients`](/api-reference/recipients/create-a-recipient).
  </Step>

  <Step title="Transfer">
    Call [`POST /api/payouts/transfer`](/api-reference/payouts/create-a-transfer) with the `quoteId` and `recipientId`. You receive a unique deposit address.
  </Step>

  <Step title="Send and settle">
    Send the exact USDC or USDT amount to the deposit address. MW detects the deposit and pays out the fiat automatically.
  </Step>
</Steps>

## Base URL

All requests are made to a single production server.

```text theme={null}
https://business.madhousewallet.com
```

## Explore the docs

<Columns cols={2}>
  <Card title="Authentication" icon="key" href="/authentication">
    Create an API key and authenticate your requests.
  </Card>

  <Card title="Quickstart" icon="rocket" href="/quickstart">
    Make your first end-to-end payout from the command line.
  </Card>

  <Card title="Transfer lifecycle" icon="arrows-rotate" href="/concepts/transfer-lifecycle">
    Understand every status a transfer moves through.
  </Card>

  <Card title="API reference" icon="code" href="/api-reference/introduction">
    Browse all endpoints, parameters, and response schemas.
  </Card>
</Columns>

<Info>
  API keys are for server-side use only. Never embed a key in client-side code or commit it to source control.
</Info>