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

# Pay to a Crypto Wallet

> How to send USDT or USDC to an external wallet address using the PIK Payouts API.

\<Warning> Always confirm the correct network with PIK before initiating a crypto payout. Funds sent on an unsupported network cannot be recovered. Contact [hi@pik.global](mailto:hi@pik.global) for current network details. \</Warning>

## USDT or USDC payout — external wallet address

http

```http theme={null}
POST /api/v1/payouts
Authorization: Bearer YOUR_PLATFORM_API_KEY
Content-Type: application/json

{
  "currency": "USDT",
  "amount": "100.00",
  "destination_type": "crypto_address",
  "destination": {
    "address": "DESTINATION_WALLET_ADDRESS"
  },
  "reference": "payout-INV-2025-001"
}
```

**Required fields**

| Field                 | Type           | Description                           |
| :-------------------- | :------------- | :------------------------------------ |
| `currency`            | string         | `USDT` or `USDC`                      |
| `amount`              | decimal string | Amount to send, e.g. `"100.00"`       |
| `destination_type`    | string         | `crypto_address`                      |
| `destination.address` | string         | Recipient's wallet address            |
| `reference`           | string         | Internal reference for reconciliation |

**Optional fields**

| Field                   | Type   | Description                                                      |
| :---------------------- | :----- | :--------------------------------------------------------------- |
| `idempotency_key`       | string | Unique key to prevent duplicate payouts on retry                 |
| `x-on-behalf-of` header | string | Connected account ID — required if paying from a customer wallet |

## Settlement times

| Currency | Typical time                        |
| :------- | :---------------------------------- |
| USDT     | Minutes after on-chain confirmation |
| USDC     | Minutes after on-chain confirmation |

## Tracking payout status

http

```http theme={null}
GET /api/v1/payouts/{payout_id}
Authorization: Bearer YOUR_PLATFORM_API_KEY
```

Receive real-time updates via the `payout.completed` and `payout.failed` webhook events. See [Webhooks](/webhooks-1).