> ## Documentation Index > Fetch the complete documentation index at: https://docs-api.kravata.co/llms.txt > Use this file to discover all available pages before exploring further. # Create Off-Ramp > Creates an off-ramp: the user sends stablecoin from a registered external wallet and receives fiat in a registered bank account. The operation starts in `AWAITING_DEPOSIT` until the funds arrive; the deposit instructions are returned in the response. #### Request | Field | Type | Required | Description | | --- | --- | --- | --- | | Authorization | Header | Yes | `Bearer ` obtained from **POST /api/v1/client/token**. | | user_id | Path | Yes | User who sends and receives the funds. | #### Request Body | Field | Type | Required | Description | | --- | --- | --- | --- | | amount | number | Yes | Amount of the operation, in `symbolOrigin`. | | originExternalWalletId | uuid | Yes | Registered external wallet the funds will come from. | | destinationAccountId | uuid | Yes | Registered, `APPROVED` bank account that receives the fiat. | | symbolOrigin | string | No | Stablecoin sent (e.g. `USDC`). | | symbolDestination | string | No | Fiat delivered (e.g. `COP`). | | paymentMethod | string | No | Rail used to pay out the fiat (e.g. `BANK_TRANSFER`, `BREB`). | | currency | string | No | Fiat currency of the destination. | | executionMode | string | No | `NORMAL` (default) or `INVERSE`. | | developerFee | number | No | Additional fee you charge your user. | #### Response The response is an envelope with three keys: | Field | Description | | --- | --- | | operation | The created operation: `id`, `userId`, `numberCode`, `originId`, `destinationId`, `symbolOrigin`, `symbolDestination`, `amountOrigin`, `amountDestination`, `rate`, `paymentMethod`, `status`, `direction`, `registerDate`, `depositInstructions`, `treasuryItems` (cost breakdown) and `events`. | | tierEscalation | `null` when the operation fits the user's current compliance tier. Otherwise it describes the action the user must complete to raise their limits (`actionType`: `FORM_URL`, `QR_APP`, `VIDEO_KYC`, `DOC_UPLOAD`, `NOTIFY_ONLY` or `BLOCK`, plus `actionPayload`, `message` and `expiresAt`). | | depositInfo | Present when the user has to send funds: `paymentMethod`, the applied `quote` and the `depositInstructions`. `null` otherwise. | #### Errors | Status | When | | --- | --- | | 400 | Insufficient funds in the origin. | | 403 | The user does not exist or is not `APPROVED`. | | 422 | Invalid body, amount ≤ 0, asset pair not enabled for your account, destination not registered/approved/owned by the user, or the operation exceeds the user's compliance tier limits. | ## OpenAPI ````yaml /stack/openapi.json post /api/v1/admin/operation/{user_id}/offramp openapi: 3.1.0 info: title: Kravata Stack API version: '2.0' description: >- Kravata Stack API: users, accounts, custody wallets, liquidity ramps and fiat payments. servers: - url: https://test-api-kore.kravata.co description: Test - url: https://partners-api.kravata.co description: Production (mTLS + IP allowlist) security: - bearerAuth: [] tags: - name: Authentication - name: Users - name: Accounts - name: Earn - name: Custody - name: Liquidity Ramps - name: Payments - name: Webhooks paths: /api/v1/admin/operation/{user_id}/offramp: post: tags: - Liquidity Ramps summary: Create Off-Ramp description: >- Creates an off-ramp: the user sends stablecoin from a registered external wallet and receives fiat in a registered bank account. The operation starts in `AWAITING_DEPOSIT` until the funds arrive; the deposit instructions are returned in the response. #### Request | Field | Type | Required | Description | | --- | --- | --- | --- | | Authorization | Header | Yes | `Bearer ` obtained from **POST /api/v1/client/token**. | | user_id | Path | Yes | User who sends and receives the funds. | #### Request Body | Field | Type | Required | Description | | --- | --- | --- | --- | | amount | number | Yes | Amount of the operation, in `symbolOrigin`. | | originExternalWalletId | uuid | Yes | Registered external wallet the funds will come from. | | destinationAccountId | uuid | Yes | Registered, `APPROVED` bank account that receives the fiat. | | symbolOrigin | string | No | Stablecoin sent (e.g. `USDC`). | | symbolDestination | string | No | Fiat delivered (e.g. `COP`). | | paymentMethod | string | No | Rail used to pay out the fiat (e.g. `BANK_TRANSFER`, `BREB`). | | currency | string | No | Fiat currency of the destination. | | executionMode | string | No | `NORMAL` (default) or `INVERSE`. | | developerFee | number | No | Additional fee you charge your user. | #### Response The response is an envelope with three keys: | Field | Description | | --- | --- | | operation | The created operation: `id`, `userId`, `numberCode`, `originId`, `destinationId`, `symbolOrigin`, `symbolDestination`, `amountOrigin`, `amountDestination`, `rate`, `paymentMethod`, `status`, `direction`, `registerDate`, `depositInstructions`, `treasuryItems` (cost breakdown) and `events`. | | tierEscalation | `null` when the operation fits the user's current compliance tier. Otherwise it describes the action the user must complete to raise their limits (`actionType`: `FORM_URL`, `QR_APP`, `VIDEO_KYC`, `DOC_UPLOAD`, `NOTIFY_ONLY` or `BLOCK`, plus `actionPayload`, `message` and `expiresAt`). | | depositInfo | Present when the user has to send funds: `paymentMethod`, the applied `quote` and the `depositInstructions`. `null` otherwise. | #### Errors | Status | When | | --- | --- | | 400 | Insufficient funds in the origin. | | 403 | The user does not exist or is not `APPROVED`. | | 422 | Invalid body, amount ≤ 0, asset pair not enabled for your account, destination not registered/approved/owned by the user, or the operation exceeds the user's compliance tier limits. | operationId: create-off-ramp parameters: - name: user_id in: path required: true description: '' schema: type: string format: uuid requestBody: required: true content: application/json: schema: type: object properties: amount: type: integer symbolOrigin: type: string symbolDestination: type: string paymentMethod: type: string originExternalWalletId: type: string destinationAccountId: type: string example: amount: 12 symbolOrigin: USDC symbolDestination: COP paymentMethod: BANK_TRANSFER originExternalWalletId: '{{external_wallet_id}}' destinationAccountId: '{{destination_account_id}}' responses: '200': description: OK content: application/json: schema: type: object properties: operation: type: object properties: id: type: string userId: type: string type: type: string custodyType: type: string prefix: type: string numberCode: type: integer originId: type: string destinationId: type: string symbolOrigin: type: string symbolDestination: type: string amountOrigin: type: integer amountDestination: type: integer rate: type: integer paymentMethod: type: string registerDate: type: string status: type: string direction: type: string depositInstructions: {} metadataItems: {} events: {} treasuryItems: type: array items: type: object properties: id: type: string operationId: type: string name: type: string amount: type: integer showClient: type: boolean tierEscalation: {} examples: operations-withdrawal: summary: operations/withdrawal value: operation: id: 567e0559-2301-42ab-a865-d8763dea3888 userId: c9a26b49-7b71-44e5-8fdf-03ec6a2a7267 type: CUSTODY custodyType: SELF_CUSTODY prefix: NPO numberCode: 96545 originId: 5c3fa520-adbb-49aa-a95b-018c13db79e3 destinationId: dfa1bb42-74b7-4dab-b52b-0ec2e26253db symbolOrigin: USDC symbolDestination: USD amountOrigin: 200 amountDestination: 175 rate: 1 paymentMethod: WIRE registerDate: '2026-06-23T09:32:10.944107' status: PENDING direction: WITHDRAWAL depositInstructions: null metadataItems: null events: null treasuryItems: - id: b733d7d8-5162-4dc9-a786-422265d0bfa5 operationId: 567e0559-2301-42ab-a865-d8763dea3888 name: realRate amount: 1 showClient: false - id: 9f9b6abc-09d9-4a78-b4a6-8991f2979be0 operationId: 567e0559-2301-42ab-a865-d8763dea3888 name: MinAmount amount: 50 showClient: false - id: fb0d7a71-739c-40a9-abbc-6089c4149d4c operationId: 567e0559-2301-42ab-a865-d8763dea3888 name: CostInfra amount: 25 showClient: true - id: e6c08f41-78c2-4c6b-b7e9-f6bbd6fc4f21 operationId: 567e0559-2301-42ab-a865-d8763dea3888 name: spread amount: 0 showClient: false - id: 842f57f1-44aa-46ea-84ea-2b5c8524135a operationId: 567e0559-2301-42ab-a865-d8763dea3888 name: calculateRate amount: 1 showClient: true - id: 85c17fc1-aaed-4351-be64-1046dedd867b operationId: 567e0559-2301-42ab-a865-d8763dea3888 name: amountReceive amount: 175 showClient: true tierEscalation: null components: securitySchemes: bearerAuth: type: http scheme: bearer description: Access token from POST /api/v1/client/token. ````