# Crypto to Merchant balance
Let’s do a NGN (fiat) deposit to merchant balance USD payout.
{% stepper %}
{% step %}
#### First, call [Get available currencies](https://docs.fonbnk.com/server-to-server/api-endpoints/get-available-currencies) and assume you receive:
{% code title="Example response" overflow="wrap" expandable="true" %}
```json
[
{
currencyType: 'crypto',
currencyCode: 'POLYGON_USDT',
paymentChannels: [
{
type: 'crypto',
transferTypes: ['manual'],
isDepositAllowed: true,
isPayoutAllowed: true,
},
],
currencyDetails: {
network: 'POLYGON',
asset: 'USDT',
contractAddress: '0x3b3a06b48119c035a2e86afdb69d9ad930643b3d',
},
pairs: ['fiat', 'merchant_balance'],
},
{
currencyType: 'merchant_balance',
currencyCode: 'USD',
paymentChannels: [
{
type: 'merchant_balance',
transferTypes: ['manual'],
isDepositAllowed: true,
isPayoutAllowed: true,
},
],
currencyDetails: {
merchantName: 'Fonbnk',
},
pairs: ['fiat', 'crypto'],
},
];
```
{% endcode %}
We see POLYGON\_USDT supports both deposits and payouts. Merchant balance supports both deposit and payout. So we can do Crypto → Merchant balance USD.
{% endstep %}
{% step %}
#### Call [Get order limits](https://docs.fonbnk.com/server-to-server/api-endpoints/get-order-limits) with:
* depositPaymentChannel: "crypto"
* depositCurrencyType: "crypto"
* depositCurrencyCode: "POLYGON\_USDT"
* payoutPaymentChannel: "merchant\_balance"
* payoutCurrencyType: "merchant\_balance"
* payoutCurrencyCode: "USD"
{% code title="Example response" %}
```json
{
"deposit": {
"min": 1,
"max": 500,
"minUsd": 1,
"maxUsd": 500,
"supportsDecimals": true,
"step": 0.000001
},
"payout": {
"min": 1,
"max": 500,
"minUsd": 1,
"maxUsd": 500,
"supportsDecimals": true,
"step": 0.01
}
}
```
{% endcode %}
We see that the minimum deposit is 1 POLYGON\_USDT and the maximum is 500 POLYGON\_USDT, which corresponds to 1-500 USD limit for merchant balance.
Assume the merchant wants to receive 100 USD. Check the user’s tier using the [KYC requirements](https://docs.fonbnk.com/server-to-server/kyc-flow) flow before proceeding. In the sample sandbox rules, payouts of 100 USD or more trigger the advanced tier, so be sure the user has submitted and been approved for that document set.
{% endstep %}
{% step %}
#### Call [Create quote](https://docs.fonbnk.com/server-to-server/api-endpoints/create-quote):
{% code title="Example request" %}
```json
{
"deposit": {
"paymentChannel": "crypto",
"currencyType": "crypto",
"currencyCode": "POLYGON_USDT"
},
"payout": {
"paymentChannel": "merchant_balance",
"currencyType": "merchant_balance",
"currencyCode": "USD",
"amount": 100
}
}
```
{% endcode %}
{% code title="Example response" overflow="wrap" expandable="true" %}
```json
{
"quoteId": "69c5443c5ea688026a418ca2",
"quoteExpiresAt": "2026-03-26T15:05:40.842Z",
"deposit": {
"paymentChannel": "crypto",
"currencyType": "crypto",
"currencyCode": "POLYGON_USDT",
"currencyDetails": {
"network": "POLYGON",
"asset": "USDT",
"contractAddress": "0x3b3a06b48119c035a2e86afdb69d9ad930643b3d"
},
"cashout": {
"amountBeforeFees": 100,
"amountAfterFees": 100,
"amountBeforeFeesUsd": 100,
"amountAfterFeesUsd": 100,
"chargedFees": [],
"chargedFeesUsd": [],
"totalChargedFees": 0,
"totalChargedFeesUsd": 0,
"exchangeRate": 1,
"exchangeRateAfterFees": 1,
"chargedFeesPerRecipient": {},
"chargedFeesPerRecipientUsd": {},
"feeSettings": []
},
"fieldsToCreateOrder": [
{
"key": "blockchainWalletAddress",
"type": "string",
"label": "Your wallet address",
"required": false
},
{
"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": "merchant_balance",
"currencyType": "merchant_balance",
"currencyCode": "USD",
"currencyDetails": {
"merchantName": "bohdan test"
},
"cashout": {
"amountBeforeFees": 100,
"amountAfterFees": 100,
"amountBeforeFeesUsd": 100,
"amountAfterFeesUsd": 100,
"chargedFees": [],
"chargedFeesUsd": [],
"totalChargedFees": 0,
"totalChargedFeesUsd": 0,
"exchangeRate": 1,
"exchangeRateAfterFees": 1,
"chargedFeesPerRecipient": {},
"chargedFeesPerRecipientUsd": {},
"feeSettings": []
},
"fieldsToCreateOrder": [
{
"key": "payoutSandboxForcedFlow",
"type": "enum",
"label": "Sandbox payout forced flow",
"defaultValue": "payout_success",
"required": false,
"options": [
{
"label": "Payout success",
"value": "payout_success"
},
{
"label": "Payout failed -> Refund success",
"value": "refund_success"
},
{
"label": "Payout failed -> Refund failed",
"value": "refund_failed"
}
]
}
]
}
}
```
{% endcode %}
For a merchant to receive 100 USD, user must deposit 100 POLYGON\_USDT. Collect these fields:
* blockchainWalletAddress
* depositSandboxForcedFlow (sandbox optional field to simulate deposit success/failure/underpayment/overpayment)
* payoutSandboxForcedFlow (sandbox optional field to simulate payout success/failure)
> **Sandbox tip:** When you're testing in the sandbox environment you can set depositSandboxForcedFlow or payoutSandboxForcedFlow to force the platform to return success, failure, or other edge outcomes. This makes it easy to imitate failed flows without moving real funds.
> {% endstep %}
{% step %}
#### Create the order via [Create order:](https://docs.fonbnk.com/server-to-server/api-endpoints/create-order)
{% code title="Example request" overflow="wrap" expandable="true" %}
```json
{
"quoteId": "69c5443c5ea688026a418ca2",
"userCountryIsoCode": "NG",
"userEmail": "tester+ng@fonbnk.com",
"userIp": "223.134.123.12",
"deposit": {
"paymentChannel": "crypto",
"currencyType": "crypto",
"currencyCode": "POLYGON_USDT",
"amount": 100
},
"payout": {
"paymentChannel": "merchant_balance",
"currencyType": "merchant_balance",
"currencyCode": "USD"
},
"fieldsToCreateOrder": {
"blockchainWalletAddress": "0x5b7ae3c6c87f4a3f94b35c77233b13191ebfad20"
}
}
```
{% endcode %}
{% code title="Example response" overflow="wrap" expandable="true" %}
```json
{
"quoteUsed": true,
"order": {
"_id": "69c545ea57cb634f272a57f2",
"countryIsoCode": "NG",
"userId": "69c54529ca181e1811eeb37b",
"userEmail": "tester+ng@fonbnk.com",
"status": "deposit_awaiting",
"deposit": {
"paymentChannel": "crypto",
"currencyType": "crypto",
"currencyCode": "POLYGON_USDT",
"currencyDetails": {
"network": "POLYGON",
"asset": "USDT",
"contractAddress": "0x3b3a06b48119c035a2e86afdb69d9ad930643b3d"
},
"cashout": {
"amountBeforeFees": 100,
"amountAfterFees": 100,
"chargedFees": [],
"totalChargedFees": 0,
"chargedFeesPerRecipient": {},
"amountBeforeFeesUsd": 100,
"amountAfterFeesUsd": 100,
"chargedFeesUsd": [],
"totalChargedFeesUsd": 0,
"exchangeRate": 1,
"exchangeRateAfterFees": 1,
"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": "100"
},
{
"id": "cryptoTransactionRequestAdditionalData",
"label": "Crypto transaction additional data",
"value": ""
}
],
"fieldsToConfirmOrder": [
{
"key": "blockchainTransactionHash",
"type": "string",
"label": "Transaction hash",
"required": true
}
]
},
"formattedUserFieldsToCreateOrder": [
{
"key": "blockchainWalletAddress",
"label": "Your wallet address",
"value": "0x5b7ae3c6c87f4a3f94b35c77233b13191ebfad20",
"type": "string"
},
{
"key": "depositSandboxForcedFlow",
"label": "Sandbox deposit forced flow",
"value": null,
"type": "enum"
}
]
},
"payout": {
"paymentChannel": "merchant_balance",
"currencyType": "merchant_balance",
"currencyCode": "USD",
"currencyDetails": {
"merchantName": "bohdan test"
},
"cashout": {
"amountBeforeFees": 100,
"amountAfterFees": 100,
"chargedFees": [],
"totalChargedFees": 0,
"chargedFeesPerRecipient": {},
"amountBeforeFeesUsd": 100,
"amountAfterFeesUsd": 100,
"chargedFeesUsd": [],
"totalChargedFeesUsd": 0,
"exchangeRate": 1,
"exchangeRateAfterFees": 1,
"chargedFeesPerRecipientUsd": {},
"feeSettings": []
},
"providedFieldsToCreateOrder": {},
"formattedUserFieldsToCreateOrder": [
{
"key": "payoutSandboxForcedFlow",
"label": "Sandbox payout forced flow",
"value": null,
"type": "enum"
}
]
},
"statusChangeLogs": [],
"createdAt": "2026-03-26T14:42:51.252Z",
"updatedAt": "2026-03-26T14:42:51.252Z",
"expiresAt": "2026-03-26T15:12:50.857Z"
}
}
```
{% endcode %}
{% endstep %}
{% step %}
#### A user makes the transfer with the exact amount and reference.
{% endstep %}
{% step %}
#### Call [Confirm order](https://docs.fonbnk.com/server-to-server/api-endpoints/confirm-order) with a transaction hash:
```json
{
"orderId": "692ee4bba60e213546387b1e",
"fieldsToConfirmOrder": {
"blockchainTransactionHash": "...hash"
}
}
```
{% endstep %}
{% step %}
#### The system validates the deposit and processes payout.
{% endstep %}
{% step %}
#### Use [Get order](https://docs.fonbnk.com/server-to-server/api-endpoints/get-order) to track status until " payout\_successful".
{% endstep %}
{% endstepper %}