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Stablecoin to Fiat (Offramp)

Brale makes it easy for you and your customers to convert stablecoins into USD via Wire transfer, ACH, and RTP.

In order to submit a stablecoin-to-fiat transaction, first you need to:

  • Create an Account respresenting your customer
  • Create an Address which is your customer's bank account where Brale will deposit USD
  • Deposit stablecoins to a Brale custodial address (address with type internal)

You can add addresses in two ways:

  1. Addresses API
  2. Plaid

Here is an example of directly adding an offchain address.

POST
https://api.brale.xyz/accounts/account_id/addresses/external
Request
{
  "owner": "Jane Doe",
  "account_number": "1234567890",
  "routing_number": "987654321",
  "name": "Example Bank",
  "transfer_types": ["ach_credit", "same_day_ach_credit", "rtp_credit"]
  "beneficiary_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "bank_address": {
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500",
    "city": "Springfield",
    "state": "CA",
    "zip": "90001"
  },
  "account_type": "checking"
}
Response
{
  "id": "34yxvqP90NfeeYkQGriO6bSfn1K",
  "name": "THE BANK OF TAMPA",
  "owner": "Jane Doe",
  "status": "active",
  "transfer_types": ["ach_credit", "same_day_ach_credit", "rtp_credit"],
  "created": "2025-11-03T19:57:25.965990Z",
  "bank_address": {
    "state": "CA",
    "zip": "90001",
    "city": "Springfield",
    "country": "US",
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500"
  },
  "beneficiary_address": {
    "state": "CA",
    "zip": "90001",
    "city": "Springfield",
    "country": "US",
    "street_line_1": "100 Example St",
    "street_line_2": "Suite 500"
  },
  "account_number": "****7890",
  "needs_update": false,
  "last_updated": "2025-11-03T19:57:26.801044Z",
  "routingNumber": "063108680",
  "account_type": "checking"
}

RTP Enablement​

Offramps via RTP use the rtp_credit transfer_type on the destination Address. RTP capability is enabled asynchronously by our banking partner, so a newly created bank Address may initially not show rtp_credit even though it is eligible for real-time payments. Only treat an Address as RTP-capable once "rtp_credit" appears in its transfer_types. See Key Concepts → Addresses → Create External Address for RTP for details.

Stablecoin to USD via Wire​

Once your customer has anAddress and stablecoins are held in a Brale controlled address, you can submit a Transfer request with the destination of the address.

POST
https://api.brale.xyz/accounts/account_id/transfers
Request
{
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "YSBC",
    "transfer_type": "Solana"
  },
  "destination": {
    "address_id": "2AbCdEfGHiJkLmN0pQrStUvWxYz",
    "value_type": "USD",
    "transfer_type": "wire"
  }
}

Brale will burn the stablecoins from the Source Address immediately, and then transfer USD to the destination bank account.