> ## 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.

# 跨境汇款

> 接收当地货币 (NGN)，持有 USD，全球支付 (EUR)。

## 概述

本指南演示尼日利亚出口商如何接收尼日利亚奈拉 (NGN) 付款，自动转换为 USD 以对冲贬值风险，随后使用欧元 (EUR) 向欧洲供应商付款。

### 思维模型

使用 Bullring API 实现此流程时，可以将其视为三步管道：

1. **资金流入（入金）：** 您请求存款指令。客户向本地银行账户支付 NGN。Bullring 检测到后将以 USD 记入子账户。
2. **资金存储：** 资金以 USD（稳定币）形式存放在子账户中。
3. **资金流出（出金）：** 您定义受益人（收款人）并向其发起以当地货币 (EUR) 计价的提款。

## 1. 接收资金 (NGN)

首先，为您的客户生成虚拟账户或付款指令以发送 NGN。

使用[创建存款](/api-reference/endpoint/post-v1-ramp-subaccountid-banking-deposits)端点。

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST "https://api.bullring.finance/v1/ramp/{subaccountId}/banking/deposits" \
    -H "Authorization: Bearer <YOUR_API_KEY>" \
    -H "Content-Type: application/json" \
    -d '{
      "channelId": "ngn-channel-id-bullring-finance",
      "source": {
        "accountType": "bank"
      }
    }'
  ```
</CodeGroup>

### 预期响应

API 返回银行详情，您应将其展示给客户。

```json theme={null}
{
  "status": "pending",
  "currency": "USD",
  "country": "NG",
  "rate": 1500.50,
  "localCurrency": "NGN",
  "bankInfo": {
    "bankBeneficiaryName": "Bullring/Merchant Name",
    "bankName": "Providus Bank",
    "bankAccountNumber": "1234567890"
  },
  "channelId": "ngn-channel-id-bullring-finance"
}
```

客户转账后，子账户余额将以 USD 计入。

## 2. 创建收款人 (EUR)

在向供应商付款之前，您必须将其银行详情保存为收款人。

使用[创建收款人](/api-reference/endpoint/post-v1-ramp-subaccountid-banking-recipients)端点。

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST "https://api.bullring.finance/v1/ramp/{subaccountId}/banking/recipients" \
    -H "Authorization: Bearer <YOUR_API_KEY>" \
    -H "Content-Type: application/json" \
    -d '{
      "currency": "EUR",
      "account_owner_name": "European Supplier Ltd",
      "bank_name": "Deutsche Bank",
      "account_number": "DE89370400440532013000",
      "bic": "DEUTDEBBXXX",
      "country": "DE",
      "account_owner_type": "company"
    }'
  ```
</CodeGroup>

### 预期响应

```json theme={null}
{
  "id": "e1780b01-39d0-4c9c-89cf-27585d5b6004",
  "currency": "EUR",
  "account_owner_name": "European Supplier Ltd",
  "account_number": "DE89370400440532013000",
  "bank_name": "Deutsche Bank",
  "status": "active"
}
```

## 3. 向供应商付款 (EUR)

最后，向刚创建的收款人发起转账。子账户中的 USD 余额将转换为 EUR。

使用[创建提款](/api-reference/endpoint/post-v1-ramp-subaccountid-banking-withdrawals)端点。

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST "https://api.bullring.finance/v1/ramp/{subaccountId}/banking/withdrawals" \
    -H "Authorization: Bearer <YOUR_API_KEY>" \
    -H "Content-Type: application/json" \
    -d '{
      "external_account_id": "e1780b01-39d0-4c9c-89cf-27585d5b6004",
      "amount": "5000",
      "currency": "EUR",
      "sepa_message": "Invoice #INV-2024-001"
    }'
  ```
</CodeGroup>

### 预期响应

```json theme={null}
{
  "id": "withdrawal-uuid-1234",
  "amount": "5000",
  "currency": "EUR",
  "status": "processing",
  "created_at": "2024-01-01T12:00:00Z",
  "fee_amount": "5.00"
}
```