> For the complete documentation index, see [llms.txt](https://docs.fonbnk.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.fonbnk.com/server-to-server/integration-guide/flow-examples/crypto-to-fiat.md).

# Crypto to Fiat

Let’s do a POLYGON\_USDT (crypto) deposit to NGN (fiat)  payout. 

{% stepper %}
{% step %}

### First, call [Get available currencies and assume you receive:](/server-to-server/api-endpoints/get-available-currencies.md)

{% code title="Example response" overflow="wrap" expandable="true" %}

```json
[
  {
    "currencyType": "fiat",
    "currencyCode": "NGN",
    "paymentChannels": [
      {
        "type": "bank",
        "transferTypes": [
          "manual",
          "redirect"
        ],
        "isDepositAllowed": true,
        "isPayoutAllowed": true
      },
      {
        "type": "airtime",
        "transferTypes": [
          "ussd"
        ],
        "carriers": [
          {
            "code": "MTN",
            "name": "MTN"
          },
          {
            "code": "AIRTEL",
            "name": "Airtel"
          },
          {
            "code": "GLO",
            "name": "Glo"
          },
          {
            "code": "9MOBILE",
            "name": "9Mobile"
          }
        ],
        "isDepositAllowed": true,
        "isPayoutAllowed": false
      },
      {
        "type": "mobile_money",
        "transferTypes": [
          "stk_push",
          "otp_stk_push"
        ],
        "carriers": [
          {
            "code": "MTN",
            "name": "MTN Mobile Money"
          },
          {
            "code": "AIRTEL",
            "name": "Airtel Money"
          },
          {
            "code": "GLO",
            "name": "Glo Mobile Money"
          },
          {
            "code": "9MOBILE",
            "name": "9Mobile Money"
          }
        ],
        "isDepositAllowed": true,
        "isPayoutAllowed": true
      }
    ],
    "currencyDetails": {
      "countryIsoCode": "NG",
    },
    "pairs": [
      "crypto",
      "merchant_balance"
    ]
  },
  {
    "currencyType": "crypto",
    "currencyCode": "POLYGON_USDT",
    "paymentChannels": [
      {
        "type": "crypto",
        "transferTypes": [
          "manual"
        ],
        "isDepositAllowed": true,
        "isPayoutAllowed": true
      }
    ],
    "currencyDetails": {
      "network": "POLYGON",
      "asset": "USDT",
      "contractAddress": "0xc2132D05D31c914a87C6611C10748AEb04B58e8F",
    },
    "pairs": [
      "fiat",
      "merchant_balance"
    ]
  }
]
```

{% endcode %}

We see NGN supports deposit via bank/airtime/mobile money, and payout via bank/mobile money. POLYGON\_USDT supports both deposit and payout. So we can do Crypto →  Fiat ( POLYGON\_USDT → NGN).
{% endstep %}

{% step %}

### Call [Get order limits](/server-to-server/api-endpoints/get-order-limits.md) with the next query params:

* depositPaymentChannel: "<mark style="color:yellow;">crypto</mark>"
* depositCurrencyType: "<mark style="color:yellow;">crypto</mark>"
* depositCurrencyCode: "<mark style="color:yellow;">POLYGON\_USDT</mark>"
* payoutPaymentChannel: "<mark style="color:yellow;">bank</mark>"
* payoutCurrencyType: "<mark style="color:yellow;">fiat</mark>"
* payoutCurrencyCode: "<mark style="color:yellow;">NGN</mark>"
* payoutCountryIsoCode: "<mark style="color:yellow;">NG</mark>"

{% code title="Example response" overflow="wrap" %}

```json
{
    "deposit": {
        "min": 1,
        "max": 500,
        "minUsd": 1,
        "maxUsd": 500
    },
    "payout": {
        "min": 1409,
        "max": 704460,
        "minUsd": 1,
        "maxUsd": 500
    }
}
```

{% endcode %}

We see that a user can send from 1 to 500 POLYGON\_UST and receive from 1409 to 704460 NGN.

Assume the user wants to receive 30 000 NGN. Validate their tier using the [KYC requirements](/server-to-server/kyc-flow.md) flow.&#x20;
{% endstep %}

{% step %}

### Call [Create quote:](/server-to-server/api-endpoints/create-quote.md)

{% code title="Example request" %}

```json
{
    "deposit": {
        "paymentChannel": "crypto",
        "currencyType": "crypto",
        "currencyCode": "POLYGON_USDT"
    },
    "payout": {
        "paymentChannel": "bank",
        "currencyType": "fiat",
        "currencyCode": "NGN",
        "countryIsoCode": "NG",
        "amount": 30000
    }
}
```

{% endcode %}

{% code title="Example response" overflow="wrap" expandable="true" %}

```json
{
    "quoteId": "692d9874a60e2135463730cf",
    "quoteExpiresAt": "2025-12-01T14:00:28.208Z",
    "deposit": {
        "paymentChannel": "crypto",
        "currencyType": "crypto",
        "currencyCode": "POLYGON_USDT",
        "currencyDetails": {
            "network": "POLYGON",
            "asset": "USDT",
            "contractAddress": "0x3b3a06b48119c035a2e86afdb69d9ad930643b3d"
        },
        "cashout": {
            "amountBeforeFees": 21.272315,
            "amountAfterFees": 21.272315,
            "amountBeforeFeesUsd": 21.272315,
            "amountAfterFeesUsd": 21.272315,
            "chargedFees": [],
            "chargedFeesUsd": [],
            "totalChargedFees": 0,
            "totalChargedFeesUsd": 0,
            "exchangeRate": 1,
            "exchangeRateAfterFees": 1,
            "chargedFeesPerRecipient": {},
            "chargedFeesPerRecipientUsd": {},
            "feeSettings": []
        },
        "fieldsToCreateOrder": [
            {
                "key": "blockchainWalletAddress",
                "type": "string",
                "label": "Your wallet address",
                "required": true
            },
            {
                "key": "depositSandboxForcedFlow",
                "type": "enum",
                "label": "Sandbox deposit forced flow",
                "required": false,
                "defaultValue": "deposit_success",
                "options": [
                    {
                        "label": "Deposit success",
                        "value": "deposit_success"
                    },
                    {
                        "label": "Deposit invalid",
                        "value": "deposit_invalid"
                    }
                ]
            }
        ],
        "transferType": "manual"
    },
    "payout": {
        "paymentChannel": "bank",
        "currencyType": "fiat",
        "currencyCode": "NGN",
        "currencyDetails": {
            "countryIsoCode": "NG"
        },
        "cashout": {
            "amountBeforeFees": 31088,
            "amountAfterFees": 30000,
            "amountBeforeFeesUsd": 21.272315,
            "amountAfterFeesUsd": 20.527839,
            "chargedFees": [
                {
                    "id": "service_fee",
                    "type": "percentage",
                    "recipient": "platform",
                    "amount": 777.2
                },
                {
                    "id": "merchant_fee",
                    "type": "percentage",
                    "recipient": "merchant",
                    "amount": 310.88
                }
            ],
            "chargedFeesUsd": [
                {
                    "id": "service_fee",
                    "type": "percentage",
                    "recipient": "platform",
                    "amount": 0.531808
                },
                {
                    "id": "merchant_fee",
                    "type": "percentage",
                    "recipient": "merchant",
                    "amount": 0.212723
                }
            ],
            "totalChargedFees": 1088.08,
            "totalChargedFeesUsd": 0.744531,
            "exchangeRate": 1461.43,
            "exchangeRateAfterFees": 1514.4312,
            "chargedFeesPerRecipient": {
                "platform": 777.2,
                "merchant": 310.88
            },
            "chargedFeesPerRecipientUsd": {
                "platform": 0.531808,
                "merchant": 0.212723
            },
            "feeSettings": [
                {
                    "id": "service_fee",
                    "recipient": "platform",
                    "type": "percentage",
                    "value": 2.5,
                    "min": 0,
                    "max": "Infinity"
                },
                {
                    "id": "merchant_fee",
                    "recipient": "merchant",
                    "type": "percentage",
                    "value": 1,
                    "min": 0,
                    "max": "Infinity"
                }
            ]
        },
        "fieldsToCreateOrder": [
            {
                "key": "phoneNumber",
                "label": "Phone Number",
                "required": true,
                "type": "phone"
            },
            {
                "key": "bankCode",
                "label": "Bank name",
                "required": true,
                "type": "enum",
                "options": [
                    {
                        "label": "Sandbox Bank",
                        "value": "1"
                    },
                    {
                        "label": "Sandbox Bank 2",
                        "value": "2"
                    },
                    {
                        "label": "Sandbox Bank 3",
                        "value": "3"
                    }
                ]
            },
            {
                "key": "bankAccountNumber",
                "label": "Bank Account Number",
                "required": true,
                "type": "string"
            },
            {
                "key": "payoutSandboxForcedFlow",
                "type": "enum",
                "label": "Sandbox payout forced flow",
                "required": false,
                "defaultValue": "payout_success",
                "options": [
                    {
                        "label": "Payout success",
                        "value": "payout_success"
                    },
                    {
                        "label": "Payout failed",
                        "value": "payout_failed"
                    }
                ]
            }
        ]
    }
}
```

{% endcode %}

To receive 30 000 NGN, a user must deposit 21.394438 POLYGON\_USDT. Collect these fields:

* phoneNumber
* bankCode (from enum options)
* bankAccountNumber
* blockchainWalletAddress
  {% endstep %}

{% step %}

### Create the order via [Create order:](/server-to-server/api-endpoints/create-order.md)

{% code title="Example request" overflow="wrap" expandable="true" %}

```json
{
    "quoteId": "692d9874a60e2135463730cf",
    "userCountryIsoCode": "NG",
    "userEmail": "testuser+ng@fonbnk.com",
    "userIp": "223.134.123.12",
    "deposit": {
        "paymentChannel": "crypto",
        "currencyType": "crypto",
        "currencyCode": "POLYGON_USDT"
    },
    "payout": {
        "paymentChannel": "bank",
        "currencyType": "fiat",
        "currencyCode": "NGN",
        "countryIsoCode": "NG",
        "amount": 30000
    },
    "fieldsToCreateOrder": {
        "blockchainWalletAddress": "0x5b7ae3c6c87f4a3f94b35c77233b13191ebfad20",
        "phoneNumber": "2348012345678",
        "bankCode": "1",
        "bankAccountNumber": "1234567890"
    }
}
```

{% endcode %}

{% code title="Example response (transfer instructions excerpt)" overflow="wrap" expandable="true" %}

```json
{
    "quoteUsed": true,
    "order": {
        "_id": "692d98b0a60e21354637311a",
        "countryIsoCode": "NG",
        "userId": "686671f07730d8d1a9b2260a",
        "userEmail": "testuser+ng@fonbnk.com",
        "status": "deposit_awaiting",
        "deposit": {
            "paymentChannel": "crypto",
            "currencyType": "crypto",
            "currencyCode": "POLYGON_USDT",
            "currencyDetails": {
                "network": "POLYGON",
                "asset": "USDT",
                "contractAddress": "0x3b3a06b48119c035a2e86afdb69d9ad930643b3d"
            },
            "cashout": {
                "amountBeforeFees": 21.272315,
                "amountAfterFees": 21.272315,
                "amountBeforeFeesUsd": 21.272315,
                "amountAfterFeesUsd": 21.272315,
                "chargedFees": [],
                "chargedFeesUsd": [],
                "totalChargedFees": 0,
                "totalChargedFeesUsd": 0,
                "exchangeRate": 1,
                "exchangeRateAfterFees": 1,
                "chargedFeesPerRecipient": {},
                "chargedFeesPerRecipientUsd": {},
                "feeSettings": []
            },
            "providedFieldsToCreateOrder": {
                "blockchainWalletAddress": "0x5b7ae3c6c87f4a3f94b35c77233b13191ebfad20"
            },
            "transferInstructions": {
                "type": "manual",
                "instructionsText": "Please send the exact amount of crypto to the address below. Make sure to send only USDT on the Polygon network. Sending any other assets or using a different network may result in loss of funds.",
                "transferDetails": [
                    {
                        "id": "recipientWalletAddress",
                        "label": "Wallet address to send",
                        "value": "0xdc9cbad0c43f912a66cd44cd22a15c04368e659f"
                    },
                    {
                        "id": "senderWalletAddress",
                        "label": "Your wallet address",
                        "value": "0x5b7ae3c6c87f4a3f94b35c77233b13191ebfad20"
                    },
                    {
                        "id": "amountToSend",
                        "label": "Amount to send",
                        "value": "21.272315"
                    },
                    {
                        "id": "cryptoTransactionRequestAdditionalData",
                        "label": "Crypto transaction additional data",
                        "value": ""
                    }
                ],
                "fieldsToConfirmOrder": [
                    {
                        "key": "blockchainTransactionHash",
                        "type": "string",
                        "label": "Transaction hash",
                        "required": true
                    }
                ]
            }
        },
        "payout": {
            "paymentChannel": "bank",
            "currencyType": "fiat",
            "currencyCode": "NGN",
            "currencyDetails": {
                "countryIsoCode": "NG"
            },
            "cashout": {
                "amountBeforeFees": 31088,
                "amountAfterFees": 30000,
                "amountBeforeFeesUsd": 21.272315,
                "amountAfterFeesUsd": 20.527839,
                "chargedFees": [
                    {
                        "id": "service_fee",
                        "type": "percentage",
                        "recipient": "platform",
                        "amount": 777.2
                    },
                    {
                        "id": "merchant_fee",
                        "type": "percentage",
                        "recipient": "merchant",
                        "amount": 310.88
                    }
                ],
                "chargedFeesUsd": [
                    {
                        "id": "service_fee",
                        "type": "percentage",
                        "recipient": "platform",
                        "amount": 0.531808
                    },
                    {
                        "id": "merchant_fee",
                        "type": "percentage",
                        "recipient": "merchant",
                        "amount": 0.212723
                    }
                ],
                "totalChargedFees": 1088.08,
                "totalChargedFeesUsd": 0.744531,
                "exchangeRate": 1461.43,
                "exchangeRateAfterFees": 1514.4312,
                "chargedFeesPerRecipient": {
                    "platform": 777.2,
                    "merchant": 310.88
                },
                "chargedFeesPerRecipientUsd": {
                    "platform": 0.531808,
                    "merchant": 0.212723
                },
                "feeSettings": [
                    {
                        "id": "service_fee",
                        "recipient": "platform",
                        "type": "percentage",
                        "value": 2.5,
                        "min": 0,
                        "max": "Infinity"
                    },
                    {
                        "id": "merchant_fee",
                        "recipient": "merchant",
                        "type": "percentage",
                        "value": 1,
                        "min": 0,
                        "max": "Infinity"
                    }
                ]
            },
            "providedFieldsToCreateOrder": {
                "phoneNumber": "2348012345678",
                "bankCode": "1",
                "bankAccountNumber": "1234567890"
            }
        },
        "statusChangeLogs": [],
        "createdAt": "2025-12-01T13:31:28.372Z",
        "updatedAt": "2025-12-01T13:31:28.372Z",
        "expiresAt": "2025-12-01T14:01:28.156Z"
    }
}
```

{% endcode %}

From the response <mark style="color:yellow;">fieldsToConfirmOrder</mark> and <mark style="color:yellow;">transferInstructions</mark> we see that:

* to confirm the order we must provide <mark style="color:yellow;">blockchainTransactionHash</mark>
* a user must pay <mark style="color:yellow;">21.272315</mark>  Polygon USDT to this wallet <mark style="color:yellow;">0xdc9cbad0c43f912a66cd44cd22a15c04368e659f</mark> from this wallet <mark style="color:yellow;">0x5b7ae3c6c87f4a3f94b35c77233b13191ebfad20</mark>
  {% endstep %}

{% step %}

#### A user makes the crypto transfer with the exact amount to the specified wallet address.&#x20;

{% endstep %}

{% step %}

#### Call [Confirm order](/server-to-server/api-endpoints/confirm-order.md) with <mark style="color:yellow;">blockchainTransactionHash</mark> included:

{% code title="Example request" %}

```json
{
  "orderId": "692d98b0a60e21354637311a",
  "fieldsToConfirmOrder": {
     "blockchainTransactionHash": "your hash"
  }
}
```

{% endcode %}
{% endstep %}

{% step %}

#### The system validates the deposit and processes payout.

{% endstep %}

{% step %}

#### Use [Get order](/server-to-server/api-endpoints/get-order.md) to track status until "<mark style="color:yellow;">payout\_successful</mark>".

{% endstep %}
{% endstepper %}


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.fonbnk.com/server-to-server/integration-guide/flow-examples/crypto-to-fiat.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.