Create a USD payment

After setting up polling of Beam wallets to determine when a trade is done or webhooks, you can instruct Beam to make the withdrawal from Beam to the external fiat account associated with your customer.

You’ll leverage Beam’s Payment API to trigger an ACH or wire transaction to the external fiat account that you previously associated with your customer.

API Endpoint

POST /smb/transactions/payments/fiat

Example

curl --request POST  
     --url <https://api.dev.getbeam.cash/smb/transactions/payments/crypto>  
     --header 'Authorization: Bearer beam_sandbox_abc123'  
     --header 'accept: application/json'  
     --header 'content-type: application/json'  
     --header 'idempotency-key: YOUR_INTERNAL_PAYMENT_ID'  
     --data '  
{  
  "source": {  
    "walletId": "83a51025-2ed8-4450-856b-31bc642ca00a"  
  },  
  "destination": {  
    "externalAccountId": "aca95453-f438-456c-ab0a-cd522e20f36d"  
  },  
  "amount": "1000",  
  "memo": "DTI Client Payment"  
}'

Notes

• source → walletId is the crypto wallet that your customer instructed their client to send crypto to. Wallet ID is not the same as the wallet address and can be retrieved via the /smb/wallets API (see the "Retrieve wallets for assets" page).
• destination → externalAccountId is the fiat account that you want your funds deposited into. This should be your customer’s bank account that you previously connected via API or on the Connected Accounts page of the Beam Hub.
• amount is the amount of fiat funds that you want to deposit into the customer’s bank account.
• memo is a string field that will be sent along with the ACH or Wire transaction.

Once you make this API call, Beam will move the fiat funds into your customer’s account.