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Payouts are the outgoing direction: a user hands over stablecoins and money arrives in a currency they spend. The incoming direction is covered by Virtual accounts and Bank transfers. Three shapes, picked by where the money has to land:

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The order is the same everywhere

Every payout runs quote, then execute, then status. The quote holds a rate for a short window; executing inside that window is what locks it.
1

Quote

Ask what a payout costs. Anonymous, no user needed - the price can be shown before anyone commits.
2

Execute

Name the user, the destination, and the quote. We answer with a deposit address and the exact amount to send.
3

Send the stablecoins

The user’s wallet sends the quoted amount to that address. Nothing is custodial before this point and nothing is signed by us.
4

Status

Poll, or take the webhook. A payout moves through pending, converting, sent, then settled.
Send the exact quoted amount to the exact address. A short send converts at whatever arrived and pays out less; an overpayment is returned to the sending wallet minus network cost. The address is single-use and tied to one payout - reusing it for a second payout has no order to attribute the money to.

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Which one needs which permission

Payout endpoints are granted per product on your API key, like every other vertical - see Authentication. A key without the permission gets 403 permission_denied rather than a quote.

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Identity

A payout is a transfer to a named person, so it needs the same shared identity result as the incoming direction - see Rheon ID. A user you have already onboarded for deposits can be paid out without onboarding again; pass the same accountId. Card payouts and bank payouts do not always share a verification tier. A user cleared for one can be asked for more before the other completes - the status carries requires_action with what is missing rather than failing outright.

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What a payout costs

Two components, both returned by the quote: the partner’s fee and your markup. Fees are inside the quoted amount, never added on top - the same convention as card payments. Rails differ enough that quoting each amount beats extrapolating a percentage; a flat minimum dominates small payouts. Read Coverage for which currencies and rails are open, and GET /v1/payment-methods for what a given country can actually receive today.