> ## Documentation Index > Fetch the complete documentation index at: https://docs.bullring.finance/llms.txt > Use this file to discover all available pages before exploring further. # Withdraw Fiat > Initiate a fiat withdrawal from a user's subaccount. The request body varies depending on the currency. All withdrawal requests require approved KYC. ## OpenAPI ````yaml /api-reference/openapi.json post /v1/ramp/{subaccountId}/banking/withdrawals openapi: 3.0.0 info: title: Bullring Finance API description: >- The Bullring Finance API allows you to build powerful cross-border payment solutions. version: 1.0.0 servers: - url: https://api.bullring.finance description: Production Server - url: https://staging-api.bullring.finance description: Sandbox Server security: - x-api-key: [] tags: - name: Subaccounts description: Operations related to user subaccounts. - name: Verification description: Endpoints for subaccount verification, including KYC and KYB processes. - name: Balances description: Endpoints for retrieving account balances. - name: Deposits description: Endpoints for handling deposits into subaccounts. - name: Recipients description: Manage payment recipients for withdrawals. - name: Withdrawals description: Endpoints for handling withdrawals from subaccounts. - name: Conversions description: Endpoints for currency conversions. - name: Rates description: Endpoints for currency conversion rates. - name: Fees description: Endpoints for checking transaction fees. - name: Offramp description: Endpoints for handling offramp operations. - name: Onramp description: Endpoints for handling onramp operations. paths: /v1/ramp/{subaccountId}/banking/withdrawals: post: tags: - Withdrawals summary: Withdraw Fiat description: >- Initiate a fiat withdrawal from a user's subaccount. The request body varies depending on the currency. All withdrawal requests require approved KYC. parameters: - name: subaccountId in: path schema: type: string required: true requestBody: content: application/json: schema: oneOf: - title: USD type: object description: Requires approved KYC. properties: recipient_id: type: string amount: type: string currency: type: string enum: - USD wire_message: type: string client_reference: type: string format: uuid description: >- Optional unique identifier (UUID) for the withdrawal, used for idempotency and reconciliation. If not provided, a random UUID will be generated by the system. required: - recipient_id - amount - currency - title: BRL type: object description: Requires approved KYC. properties: recipient_id: type: string amount: type: string currency: type: string enum: - BRL client_reference: type: string format: uuid description: >- Optional unique identifier (UUID) for the withdrawal, used for idempotency and reconciliation. If not provided, a random UUID will be generated by the system. required: - recipient_id - amount - currency - title: EUR type: object description: Requires approved KYC. properties: recipient_id: type: string amount: type: string currency: type: string enum: - EUR sepa_message: type: string client_reference: type: string format: uuid description: >- Optional unique identifier (UUID) for the withdrawal, used for idempotency and reconciliation. If not provided, a random UUID will be generated by the system. required: - recipient_id - amount - currency - title: NGN type: object description: Requires approved KYC. properties: recipient_id: type: string amount: type: string currency: type: string enum: - NGN client_reference: type: string format: uuid description: >- Optional unique identifier (UUID) for the withdrawal, used for idempotency and reconciliation. If not provided, a random UUID will be generated by the system. required: - recipient_id - amount - currency - title: ZMW type: object description: Requires approved KYC. properties: recipient_id: type: string amount: type: string currency: type: string enum: - ZMW client_reference: type: string format: uuid description: >- Optional unique identifier (UUID) for the withdrawal, used for idempotency and reconciliation. If not provided, a random UUID will be generated by the system. required: - recipient_id - amount - currency - title: GHS type: object description: Requires approved KYC. properties: recipient_id: type: string amount: type: string currency: type: string enum: - GHS client_reference: type: string format: uuid description: >- Optional unique identifier (UUID) for the withdrawal, used for idempotency and reconciliation. If not provided, a random UUID will be generated by the system. required: - recipient_id - amount - currency examples: USD: summary: USD Withdrawal value: recipient_id: f556899a-eea7-4a18-b9e8-6346823a9b06 amount: '1' currency: USD wire_message: Payment for services client_reference: 123e4567-e89b-12d3-a456-426614174000 BRL: summary: BRL Withdrawal value: recipient_id: f556899a-eea7-4a18-b9e8-6346823a9b06 amount: '10' currency: BRL client_reference: 123e4567-e89b-12d3-a456-426614174000 EUR: summary: EUR Withdrawal value: recipient_id: e1780b01-39d0-4c9c-89cf-27585d5b6004 amount: '1' currency: EUR sepa_message: Payment for services client_reference: 123e4567-e89b-12d3-a456-426614174000 NGN: summary: NGN Withdrawal value: recipient_id: f556899a-eea7-4a18-b9e8-6346823a9b06 amount: '100' currency: NGN client_reference: 123e4567-e89b-12d3-a456-426614174000 ZMW: summary: ZMW Withdrawal value: recipient_id: f556899a-eea7-4a18-b9e8-6346823a9b06 amount: '3' currency: ZMW client_reference: 123e4567-e89b-12d3-a456-426614174000 GHS: summary: GHS Withdrawal value: recipient_id: f556899a-eea7-4a18-b9e8-6346823a9b06 amount: '10' currency: GHS client_reference: 123e4567-e89b-12d3-a456-426614174000 responses: '201': description: Withdrawal initiated successfully content: application/json: schema: type: object properties: id: type: string format: uuid amount: type: string currency: type: string status: type: string created_at: type: string format: date-time client_reference: type: string format: uuid protocol: type: string description: type: string nullable: true local_currency: type: string local_amount: type: number destinationAddress: type: string nullable: true tx_hash: type: string nullable: true destination_tag: type: string nullable: true fee_amount: type: string fee_currency: type: string rate: type: number gross_amount: type: number net_amount: type: number examples: USD: summary: USD Withdrawal Response value: id: 856b896f-3f16-4f70-952d-ce1f65b28aaa amount: '1' currency: USD status: pending created_at: '2025-11-21T15:59:09.341Z' protocol: wire description: Payment for services client_reference: 123e4567-e89b-12d3-a456-426614174000 local_currency: USD local_amount: 1 destinationAddress: null tx_hash: null destination_tag: null fee_amount: '15.01' fee_currency: USD rate: 1 gross_amount: 16.01 GHS: summary: GHS Withdrawal Response value: id: 52ee4cb9-aa5a-463d-a5c4-32b748c0e9b3 amount: '10' currency: USD status: processing created_at: '2025-11-25T13:00:37.970Z' client_reference: 123e4567-e89b-12d3-a456-426614174000 protocol: mobile_money description: null local_currency: GHS local_amount: 109.55 destinationAddress: null tx_hash: null destination_tag: null fee_amount: '0.12' fee_currency: USD rate: 11.088 net_amount: 9.88 '400': description: Bad Request content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: statusCode: 400 timestamp: '2025-11-25T12:49:22.586Z' error: Error message: Invalid phone number format for ZM '404': description: Not Found content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: statusCode: 404 message: Not Found components: schemas: ErrorResponse: type: object properties: statusCode: type: integer message: type: string timestamp: type: string format: date-time path: type: string error: type: string securitySchemes: x-api-key: type: apiKey in: header name: x-api-key ````