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

# Send funds

> Send from a customer wallet to a customer-owned account or third-party destination.

Every payout starts from a ready, funded issued wallet. The destination model depends on who owns the endpoint.

```mermaid theme={null}
flowchart TD
  A["Funded issued wallet"] --> B{"Who owns the endpoint?"}
  B -->|"Customer"| C["Customer account acc_..."]
  B -->|"Another person or business"| D["Recipient destination dst_..."]
  C --> E["Create quote"]
  D --> E
  E --> F["Execute and track transfer"]
```

## Before you start

Refetch the source wallet. Confirm its current status permits the payout and its available balance covers the intended source amount. Store its response-derived ID as `SOURCE_WALLET_ID`.

You also need a ready payout capability for the current customer and selected destination.

## 1. Prepare the destination

<Tabs>
  <Tab title="First-party">
    Use a customer-owned external bank account when the customer owns the endpoint. Create it with [`POST /v3/customers/{customerId}/accounts`](/api-reference/accounts/post-v3-customers-by-customer-id-accounts) and these headers:

    ```http theme={null}
    X-API-Key: ${SWIPELUX_API_KEY}
    Idempotency-Key: payout-account-001
    Content-Type: application/json
    ```

    ```json theme={null}
    {
      "origin": "external",
      "type": "bank",
      "methods": ["ach", "wire"],
      "country": "US",
      "currency": "USD",
      "details": {
        "routingNumber": "021000021",
        "accountNumber": "123456789",
        "accountType": "checking",
        "bankName": "Example Bank",
        "accountHolderName": "Acme Payments SAS"
      },
      "label": "Customer operating account"
    }
    ```

    Read it with [`GET /v3/customers/{customerId}/accounts/{accountId}`](/api-reference/accounts/get-v3-customers-by-customer-id-accounts-by-account-id). Continue only when its current status permits the payout. Store its `acc_` ID as `PAYOUT_DESTINATION_ID`.
  </Tab>

  <Tab title="Third-party">
    Create the person or business and their bank or wallet endpoint through [Recipients and destinations](/integration/recipients). Continue only when the destination is ready.

    Store the returned `dst_` ID as `PAYOUT_DESTINATION_ID`. Do not use the recipient's `rcp_` ID as the quote destination.
  </Tab>
</Tabs>

## 2. Create the payout quote

Use [`POST /v3/quotes`](/api-reference/money-movement/post-v3-quotes) with these headers:

```http theme={null}
X-API-Key: ${SWIPELUX_API_KEY}
Idempotency-Key: payout-quote-001
Content-Type: application/json
```

```json theme={null}
{
  "customerId": "${CUSTOMER_ID}",
  "capabilityId": "${CAPABILITY_ID}",
  "in": {
    "amount": "150.00",
    "currency": "USDC",
    "accountId": "${SOURCE_WALLET_ID}"
  },
  "destinationId": "${PAYOUT_DESTINATION_ID}",
  "out": {
    "currency": "USD"
  }
}
```

Store `data.id` as `QUOTE_ID` and present the returned price and fees.

## 3. Execute the payout

Create the transfer with [`POST /v3/transfers`](/api-reference/money-movement/post-v3-transfers). Use one new key for this intended execution:

```http theme={null}
X-API-Key: ${SWIPELUX_API_KEY}
Idempotency-Key: payout-transfer-001
Content-Type: application/json
```

```json theme={null}
{
  "quoteId": "${QUOTE_ID}"
}
```

Store transfer `data.id` as `TRANSFER_ID`. A successful create starts the payout; it does not prove delivery.

## 4. Track delivery

Read [`GET /v3/transfers/{transferId}`](/api-reference/money-movement/get-v3-transfers-by-transfer-id) after creation and after each event. Use the latest `data.state`, `data.stateDetail`, and `data.openTaskIds` to decide whether to wait, act, or show a terminal outcome.

Next, review [Quotes and transfers](/integration/quotes-and-transfers) for exact amounts, safe execution recovery, and transfer tasks.


## Related topics

- [Integration overview](/integration/overview.md)
- [Common flows](/integration/common-flows.md)
- [Quickstart](/integration/quickstart.md)
- [Accounts and wallets](/integration/accounts.md)
- [Jurisdiction Framework](/knowledge-base/compliance/jurisdictions-and-availability.md)