> ## 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.

# 即时加密出金

> 将加密货币即时转换为现金。

## 场景

用户希望出售比特币（通过闪电网络）并立即通过单一简化流程在其本地银行账户（如巴西 PIX）中收到现金。

## 工作流程

### 1. 添加受益人银行账户

首先，将目标银行账户添加为受益人。这是加密货币收到后资金将发送到的地方。

<Note>
  请参阅[添加受益人](/api-reference/beneficiaries/add-beneficiary) API 参考获取完整详情。
</Note>

```bash theme={null}
curl --request POST \
  --url https://api.bullring.finance/v1/ramp/{subaccountId}/banking/beneficiaries \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer <token>' \
  --data '{
  "account_id": "667.136.083-96",
  "account_type": "cpf",
  "currency": "BRL"
}'
```

**响应：**

```json theme={null}
{
  "id": "343bb162-d0ae-46ef-a5bb-13505eb52c89",
  "account_id": "667.136.083-96",
  "account_type": "cpf",
  "currency": "BRL",
  "status": "active",
  "created_at": "2025-11-25T12:00:00.000Z"
}
```

### 2. 发起加密出金

通过指定收款人（受益人 ID）和目标货币金额来发起出金。API 将生成用户需要支付的闪电网络发票。

<Note>
  请参阅[加密出金](/api-reference/withdrawals/offramp-crypto) API 参考获取完整详情。
</Note>

```bash theme={null}
curl --request POST \
  --url https://api.bullring.finance/v1/ramp/{subaccountId}/banking/offramp/initiate \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer <token>' \
  --data '{
  "recipient_id": "343bb162-d0ae-46ef-a5bb-13505eb52c89",
  "amount": 88
}'
```

**响应：**

```json theme={null}
{
  "success": true,
  "data": {
    "id": "d79c9799-bb8e-4c17-9d5a-79fefa34484f",
    "lightningInvoice": "lntbs190270n1p5jtvf2pp53pk7mdfvc9d8szp7m0kpym4q5j8axwy6zk7j8ylk03j6vn24cv6sdqqcqzpuxqzfvsp5phce46p7sk0dyejc2wnn0c0vcehdwa8p4fugj734rvy6eed7g2ds9qxpqysgqlas9q8el7l57vn7ht84tqha22c53s5797uqtv70lsn55xa9rhe53l0z2ashzeq9jcz54wkczzyqznqeunthfw4cnyjp3v2y7vha6yxspe0u76h",
    "lightningInvoiceId": "d0abc66e-9ab3-43b7-bb07-09465a048d54",
    "targetAmount": 88,
    "targetCurrency": "brl",
    "lightningAmount": 1656,
    "lightningCurrency": "stablesats",
    "exchangeRate": 0.18822915501882292,
    "lightningFee": 0,
    "withdrawalFee": 0.64,
    "targetAmountReceivable": 87.34,
    "totalFees": 0.64,
    "bankAccount": {
      "id": "343bb162-d0ae-46ef-a5bb-13505eb52c89",
      "bankName": null,
      "accountId": "667.136.083-96",
      "currency": "BRL"
    },
    "expiresAt": null,
    "status": "pending",
    "createdAt": "2025-11-25T13:37:46.829Z"
  },
  "message": "Lightning invoice generated. Pay to receive funds in your bank account."
}
```

**关键响应字段：**

* `lightningInvoice` - 用户需要支付的闪电网络发票
* `lightningAmount` - 需要支付的聪数
* `targetAmountReceivable` - 用户将收到的金额（扣除费用后）
* `totalFees` - 交易收取的总费用

### 3. 用户支付闪电网络发票

用户使用其比特币闪电钱包支付闪电网络发票。发票支付后，Bullring 自动处理向受益人银行账户的提款。

### 4. 查看出金状态

您可以随时使用出金 ID 查看出金交易的状态。

<Note>
  请参阅[获取出金状态](/api-reference/withdrawals/get-offramp-status) API 参考获取完整详情。
</Note>

```bash theme={null}
curl --request GET \
  --url https://api.bullring.finance/v1/ramp/{subaccountId}/banking/offramp/{offrampId}/status \
  --header 'Authorization: Bearer <token>'
```

**响应：**

```json theme={null}
{
  "success": true,
  "data": {
    "id": "6b32169e-c20e-49c9-aa7f-b73fe863c231",
    "status": "pending",
    "targetAmount": 12,
    "targetCurrency": "brl",
    "lightningAmount": 226,
    "withdrawalId": null,
    "invoicePaidAt": null,
    "withdrawalInitiatedAt": null,
    "completedAt": null,
    "errorMessage": null,
    "createdAt": "2025-11-25T13:48:02.667Z",
    "updatedAt": "2025-11-25T13:48:02.667Z",
    "lightningCurrency": "stablesats",
    "exchangeRate": 0.18822916,
    "lightningFee": 0,
    "withdrawalFee": 0.11,
    "targetAmountReceivable": 53.09,
    "totalFees": 0.11
  }
}
```

**状态值：**

* `pending` - 等待闪电网络发票支付
* `processing` - 发票已支付，正在处理提款
* `completed` - 资金已成功发送给受益人
* `failed` - 交易失败（详见 `errorMessage`）

## 优势

这一简化的出金流程提供多项优势：

* **单次 API 调用**：在一个请求中生成闪电网络发票并发起提款
* **自动处理**：闪电网络发票支付后，提款自动处理
* **实时汇率**：预先获取当前汇率和费用
* **简单集成**：无需管理单独的存款和提款流程