Off-ramp (Stablecoin to Fiat)
Get Quote
Request Example
curl --location 'https://harbor-sandbox.owlpay.com/api/v2/transfers/quotes' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'X-API-KEY: ••••••' \
--data '{
"source": {
"country": "US",
"chain": "ethereum",
"asset": "USDC",
"type": "individual"
},
"destination": {
"country": "HK",
"asset": "USD",
"amount": 3000,
"type": "individual"
},
"commission": {
"amount": 10,
"percentage": 0
}
}'Response Example
{
"data": [
{
"id": "quote_fo3AirZ3ZYtVayEot5pCoWMPLteMKBtFQfZtPDYv",
"payment_method": "WIRE",
"chain": "ethereum",
"source_country": "US",
"destination_country": "HK",
"source_amount": "3419.090909",
"source_currency": "USDC",
"destination_amount": "3000.00",
"destination_currency": "USD",
"exchange_rate": "0.880000",
"exchange_pair": "USDC/USD",
"fiat_settlement_time_min": 1,
"fiat_settlement_time_max": 3,
"fiat_settlement_time_unit": "DAYS",
"source_type": "individual",
"destination_type": "individual",
"quote_expire_date": "2025-12-26T17:24:12+00:00",
"crypto_funds_settlement_expire_date": "2025-12-26T17:24:12+00:00",
"fees": [
{
"type": "HARBOR_FEE",
"amount": "55.125628",
"currency": "USDC",
"charge_from": "OwlPay Harbor",
"payer": "Wallet Service Provider"
},
{
"type": "COMMISSION_FEE",
"amount": "10.000000",
"currency": "USDC",
"charge_from": "Wallet Service Provider",
"payer": "customer"
}
],
"created_at": "2025-12-26T15:54:12+00:00",
"updated_at": "2025-12-26T15:54:12+00:00"
}
]
}Get Requirement by quote_id
Request Example
curl --location 'https://harbor-sandbox.owlpay.com/v2/transfers/quotes/{{quote_uuid}}/requirements' \
--header 'x-api-key: ••••••'Response Example
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"type": "object",
"additionalProperties": false,
"required": [
"quote_id",
"source",
"destination",
"on_behalf_of",
"application_transfer_uuid"
],
"properties": {
"on_behalf_of": {
"type": "string"
},
"quote_id": {
"type": "string"
},
"application_transfer_uuid": {
"type": "string"
},
"source": {
"type": "object",
"additionalProperties": false,
"required": [
"payment_instrument"
],
"properties": {
"payment_instrument": {
"type": "object",
"additionalProperties": false,
"properties": {
"address": {
"type": "string"
}
},
"required": [
"address"
]
}
}
},
"destination": {
"type": "object",
"additionalProperties": false,
"required": [
"beneficiary_info",
"payout_instrument"
],
"properties": {
"beneficiary_info": {
"type": "object",
"additionalProperties": false,
"properties": {
"beneficiary_name": {
"type": "string",
"title": "Recipient Full Name",
"maxLength": 140
},
"beneficiary_address": {
"type": "object",
"additionalProperties": false,
"properties": {
"street": {
"type": "string",
"maxLength": 200
},
"city": {
"type": "string",
"maxLength": 80
},
"state_province": {
"type": "string",
"maxLength": 80
},
"postal_code": {
"type": "string",
"maxLength": 20
},
"country": {
"type": "string",
"minLength": 2,
"maxLength": 2
}
},
"required": [
"street",
"city",
"country"
]
},
"beneficiary_dob": {
"type": "string",
"title": "Recipient Date of Birth"
},
"beneficiary_id_doc_number": {
"type": "string",
"title": "Recipient ID Number",
"maxLength": 80
}
},
"required": [
"beneficiary_dob",
"beneficiary_name",
"beneficiary_id_doc_number",
"beneficiary_address"
]
},
"payout_instrument": {
"type": "object",
"additionalProperties": false,
"properties": {
"account_holder_name": {
"type": "string",
"title": "Account Holder Name",
"maxLength": 140
},
"bank_name": {
"type": "string",
"title": "Bank Name",
"maxLength": 140
},
"account_number": {
"type": "string",
"title": "Account Number",
"maxLength": 34
},
"swift_code": {
"type": "string",
"title": "SWIFT/BIC",
"pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
}
},
"required": [
"account_holder_name",
"bank_name",
"account_number",
"swift_code"
]
},
"transfer_purpose": {
"type": "string",
"enum": [
"TRANSFER_TO_OWN_ACCOUNT",
"FAMILY_MAINTENANCE",
"EDUCATION",
"MEDICAL_TREATMENT",
"HOTEL",
"TRAVEL",
"REPAYMENT_OF_LOANS",
"TAX_PAYMENT",
"PURCHASE_PROPERTY",
"PROPERTY_RENTAL",
"INSURANCE_PREMIUM",
"PRODUCT_INDEMNITY_INSURANCE",
"INSURANCE_CLAIMS",
"MUTUAL_FUND_INVESTMENT",
"INVESTMENT_SHARES",
"DONATIONS",
"SALARY",
"INFO_SERVICE",
"ADVERTISING",
"ROYALTY_FEES",
"BROKER_FEES",
"ADVISOR_FEES",
"REPRESENTATIVE_EXPENSES",
"CONSTRUCTION",
"TRANSPORTATION",
"EXPORTED_GOODS",
"DELIVERY_FEES",
"GENERAL_GOODS_OFFLINE"
]
},
"is_self_transfer": {
"type": "boolean"
}
}
}
},
"title": "HK_WIRE",
"$comment": "{\"bank_title\":\"HK_WIRE\",\"mapping_version\":1}"
}Create a JSON Schema to establish a transfer.
Request Example
curl --location 'https://harbor-sandbox.owlpay.com/api/v2/transfers' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-API-KEY: ••••••' \
--data '{
"on_behalf_of": "{{YOUR_CUSTOMER_UUID}}",
"quote_id": "{{QUOTE_UUID}}",
"application_transfer_uuid": "{{YOUR_APPLICATION_TRANSFER_UUID}}",
"source": {
"payment_instrument": {
"address": "0x4B20993Bc481177ec7E8f571ceCaE8A9e22C02db"
}
},
"destination": {
"beneficiary_info": {
"beneficiary_dob": "1990-01-01",
"beneficiary_id_doc_number": "12345678",
"beneficiary_address": {
"street": "xxx 1234th Ave S",
"city": "Minneapolis",
"state_province": "MN",
"postal_code": "55416",
"country": "US"
},
"beneficiary_name": "John Doe"
},
"payout_instrument": {
"bank_name": "The Hongkong and Shanghai Banking Corporation Limited",
"account_holder_name": "CHAN TAI MAN",
"account_number": "123456789012",
"swift_code": "HSBCHKHH"
},
"transfer_purpose": "SALARY",
"is_self_transfer": true
}
}'Response Example
{
"data": {
"uuid": "transfer_I3eI0LUpUZi7zkewHlWDgIHQlqS3AEBOE2iLt3Ce",
"object": "transfer",
"status": "pending_customer_transfer_start",
"type": "off-ramp",
"settlement_strategy": "immediate",
"source_received": false,
"on_behalf_of": "cus_9QMwIz1aLtIM9zzFUeqnqrl2mZRkjzmWeaszNbiS",
"source": {
"chain": "ethereum",
"payment_instrument": {
"chain": "ethereum",
"address": "0x4B20993Bc481177ec7E8f571ceCaE8A9e22C02db"
},
"asset": "USDC",
"amount": "3028.00000000"
},
"destination": {
"asset": "USD",
"amount": "3000.00000000",
"payout_instrument": {
"bank_name": "The Hongkong and Shanghai Banking Corporation Limited",
"account_holder_name": "CHAN TAI MAN",
"account_number": "123456789012",
"swift_code": "HSBCHKHH"
},
"is_self_transfer": false,
"transfer_purpose": "SALARY"
},
"application_transfer_uuid": "OWLTING_HARBOR_OFF_RAMP_002051",
"transfer_instructions": {
"instruction_chain": "ethereum",
"instruction_address": "0x020f4fd0e19b1db5e28e3afd9ecf09227ccf6dbf",
"instruction_memo": null
},
"commission": {
"percentage": "0",
"amount": "10"
},
"fees": [
{
"type": "HARBOR_FEE",
"amount": "15.125628",
"currency": "USDC",
"charge_from": "OwlPay Harbor",
"payer": "Wallet Service Provider"
},
{
"type": "COMMISSION_FEE",
"amount": "10.000000",
"currency": "USDC",
"charge_from": "Wallet Service Provider",
"payer": "customer"
}
],
"receipt": {
"initial_asset": "USDC",
"initial_amount": "3028.00000000",
"commission_fee": "10.000000",
"harbor_fee": "15.125628",
"final_asset": "USD",
"final_amount": "3000.00000000",
"exchange_rate": "0.99403600",
"tracking_number": null
},
"meta_data": null,
"created_at": "2025-12-26T17:04:12+00:00",
"updated_at": "2025-12-26T17:04:15+00:00"
}
}Updated about 2 hours ago