> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hg.cash/llms.txt
> Use this file to discover all available pages before exploring further.

# Payouts

> ACH bank payouts from Bolivia BOB accounts

## Overview

Create outbound **ACH bank transfers** from **BOB** accounts via `POST /api/v1/bo/transactions/outbound`.

Requires sufficient **net balance** for the transfer amount plus the outbound fee. The transaction starts in `processing` when accepted.

## Prerequisites

* Bearer API token with access to the BOB account
* Beneficiary bank details — use `GET /api/v1/bo/banks` to list valid `bankCode` values

## Required fields

* `accountId`, `amount`
* `firstName`, `lastName` — beneficiary name
* `documentType` — `national_id`, `tax_id`, `passport`, or `foreign_id`
* `documentNumber` — digits only (5–20 characters)
* `entityType` — `individual` or `company`
* `bankCode` — from the banks list
* `destinationAccount` — beneficiary account number

Optional: `description` (max 200 characters), `webhookUrl`.

## Flow

1. `GET /api/v1/bo/banks` — list available banks (`code`, `name`)
2. `POST /api/v1/bo/transactions/outbound` — submit the payout
3. Poll `GET /api/v1/bo/transactions/{id}/status` or use `webhookUrl` (see [Receiving webhooks](/developers/receiving-webhooks))

## Example request

```bash theme={null}
curl -X POST https://hg.cash/api/v1/bo/transactions/outbound \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "accountId": "YOUR_ACCOUNT_UUID",
    "amount": 500.00,
    "firstName": "María",
    "lastName": "García",
    "documentType": "national_id",
    "documentNumber": "12345678",
    "entityType": "individual",
    "bankCode": "1018",
    "destinationAccount": "1234567890",
    "description": "Supplier payment"
  }'
```

## Payout lifecycle

HG.Cash exposes normalized statuses (`pending`, `processing`, `done`, `cancelled`, `failed`). Use polling or your webhook handler to react to status changes.

If the account cannot cover the amount and fee, the API returns `409` with code `INSUFFICIENT_NET_BALANCE`.