PayAnyCoin API

PAYC lets you submit a crypto payout by sending the payout details in one API request.

The response includes the settlement outcome, fees, traceId when applicable, and transactionReference when the transfer is recorded. The beneficiary’s crypto address is handled securely through the secure data layer.

📘
Destination crypto addresses are stored and handled through the secure data layer.

Endpoint

Method	Path
`POST`	`/api/payments/crypto-payout/execute`

Use the endpoint under the client API base URL. For example:

POST https://demo.mifinity.com/api/payments/crypto-payout/execute

POST https://secure.mifinity.com/api/payments/crypto-payout/execute

Header

Parameter	Type	Description
Content-Type	String	Use value 'application/json'
Accept	String	Use value 'application/json'
x-api-version	String	Use value 1
Key	String	API key

Request body

Send the payout details in the JSON request body.

Field	Type	Required	Purpose
`sourceAccount`	String	Required	Account debited for the payout, using the formatted account number.
`money`	Object	Required	The Object containing two String attributes: amount and currency of the transfer
`traceId`	String	Required	Your reference for this payout.
`cryptoPayee.firstname`	String	Required	Recipient first name
`cryptoPayee.lastname`	String	Required	Recipient last name
`cryptoPayee.dob`	String	Required	Date of birth (YYYY-MM-DD)
`cryptoPayee.cryptoCurrency`	String	Required	Asset code, such as `USDT` or `USDC`.
`cryptoPayee.protocol`	String	Required	Network protocol
`cryptoPayee.cryptoAddress`	String	Required	Recipient wallet address.
`cryptoPayee.countryCode`	String	Required	ISO country code for routing or context.
`description`	String	Optional	Optional transaction description. Length limits apply.

The object field Money is defined as below:

Money

Field	Type	Required	Description
amount	Number	true	Transaction value
currency	String	true	Currency code (ISO 4217)

Example request

{
  "sourceAccount": "5001000045806815",
  "money": {
    "amount": 10,
    "currency": "EUR",
    "display": ""
  },
  "traceId": "550e8400-e29b-41d4-a716-446655440000",
  "description": "Pay Any Coin Test",
  "cryptoPayee": {
    "firstName": "Tom",
    "lastName": "Mathew",
    "dob": "1985-07-22",
    "countryCode": "IE",
    "cryptoAddress": "TXYZopYRdj2D9XRtbG411XZZ3kM5VkAeBf",
    "cryptoCurrency": "USDT",
    "protocol": "TRC20"
  }
}

Response payload

The API returns a payout response object within the standard payload envelope.

Field	Purpose
`quoteReference`	Quote reference.
`traceId`	Trace identifier when returned.
`transactionReference`	Ledger transaction reference when present.
`statusCode` / `statusMessage`	Outcome of processing.
`sourceMoney` / `destinationMoney`	Amounts for the source and destination sides of the payout.
`displayRate`	Rate information when present.
`totalFees`	Total fees in the source currency when present.
`datePosted`	Timestamp.

Example response

{
  "payload": [
    {
      "quoteReference": "a5d53202-2235-412a-89a0-787f60c04985",
      "traceId": "5a1219fe-3fb1-4caf-88fe-c008b150a880",
      "transactionReference": "3ac5ec3a-c159-4987-8deb-d4e54b420564",
      "statusCode": 7,
      "statusMessage": "PENDING",
      "sourceMoney": {
        "currency": "EUR",
        "amount": 10,
        "actual": 10
      },
      "destinationMoney": {
        "currency": "USDT",
        "amount": 11.53904,
        "actual": 11.53904
      },
      "datePosted": "2026-06-10T14:32:02.296Z",
      "exchangeRate": {
        "base": "EUR",
        "counter": "USDT",
        "rate": 1.15390396
      },
      "totalFees": {
        "amount": 2.5,
        "currency": "EUR",
        "presentationAmount": "EUR2.5"
      }
    }
  ]
}

Fees

Responses include totalFees where applicable. Fees can include internal program fees, processor fees, and network fees, expressed in the source transaction currency when conversion succeeds.

Operational notes

📘
Destination addresses may be blocked when they are listed on the platform blacklist.

KYC and limits: Withdrawal limits apply to the payout amount.
TOTP: If two-factor authentication is enabled, include the appropriate security header when the API requires it.

Destination crypto addresses are stored and handled through the secure data layer.

Endpoint

Header

Request body

Money

Example request

Response payload

Example response

Fees

Operational notes

Destination addresses may be blocked when they are listed on the platform blacklist.

What’s Next