---
updatedAt: 2026-08-07T09:55:23.000Z
agentTools:
  projectIndex: https://mifinity.readme.io/llms.txt
---

# PayAnyCoin API- B2B

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.

<br />

<Callout icon="📘" theme="info">
  ### Destination crypto addresses are stored and handled through the secure data layer.
</Callout>

## Endpoint

| Method | Path                                     |
| ------ | ---------------------------------------- |
| `POST` | `/api/payments/crypto-payout/executeb2b` |

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

<Tabs>
  <Tab title="DEMO">
    `POST https://demo.mifinity.com/api/payments/crypto-payout/executeb2b`
  </Tab>

  <Tab title="PROD">
    `POST https://secure.mifinity.com/api/payments/crypto-payout/executeb2b`
  </Tab>
</Tabs>

#### 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.legalName`          | String | Required | Recipient Legal name                                                             |
| `cryptoPayee.registrationNumber` | String | Required | Recipient registration number                                                    |
| `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

```json Request body
{
    "sourceAccount": "5001000001212099",
    "money": {
        "amount": 10,
        "currency": "EUR",
        "display": ""
    },
    "traceId": "aaa05467-0ed9-4166-9819-9b157b25948b",
    "description": "Pay Any Coin Test",
    "cryptoPayee": {
        "legalName": "Company X",
        "registrationNumber": "GB123456789",
        "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

```json Response body
{
    "payload": [
        {
            "traceId": "aaa05467-0ed9-4166-9819-9b157b25948b",
            "transactionReference": "49ac144f-6df1-43a8-90ec-9f6349b389af",
            "sourceMoney": {
                "currency": "EUR",
                "amount": 10.00000000,
                "actual": 10.00000000
            },
            "destinationMoney": {
                "currency": "USDT",
                "amount": 11.52744400,
                "actual": 11.52744400
            },
            "datePosted": "2026-08-06T13:06:43.948Z",
            "exchangeRate": {
                "base": "EUR",
                "counter": "USDT",
                "rate": 1.15274441
            },
            "totalFees": {
                "amount": 1.5,
                "currency": "EUR",
                "presentationAmount": "EUR1.5"
            }
        }
    ]
}
```

## 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.

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