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POST
https://api.stablepay.global
/
v2
/
transactions
/
prefunded
Create Prefunded Transaction
curl --request POST \
  --url https://api.stablepay.global/v2/transactions/prefunded \
  --header 'Authorization: Bearer <token>'

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Create Prefunded Transaction

Create a transaction that processes the INR payout immediately, before receiving the stablecoin deposit. This endpoint is only available for approved partners with a credit limit.
This endpoint requires prior approval. Contact support to enable prefunded transactions for your account.

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How It Works

Standard Flow:
  1. Partner creates transaction
  2. User sends stablecoins
  3. System detects and confirms deposit
  4. System processes INR payout
Prefunded Flow:
  1. Partner creates prefunded transaction
  2. System immediately processes INR payout
  3. Partner releases stablecoins to deposit address
  4. System detects and confirms deposit
  5. Transaction marked complete, credit limit restored

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Request

curl -X POST https://api.stablepay.global/v2/transactions/prefunded \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: unique-key-for-this-transaction" \
  -d '{
    "userId": "usr_abc123",
    "amount": "100.00",
    "asset": "USDC",
    "network": "polygon"
  }'

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Body Parameters

FieldTypeRequiredDescription
userIdstringYesUser ID (must have completed KYC)
amountstringYesAmount in USD (e.g., “100.00”)
assetstringYesUSDC or USDT
networkstringYespolygon, ethereum, arbitrum, base, or solana
partnerReferencestringNoYour reference ID
metadataobjectNoCustom metadata

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Response

{
  "success": true,
  "data": {
    "transactionId": "tx_def456",
    "depositAddress": "0x1234...abcd",
    "depositNetwork": "polygon",
    "depositAsset": "USDC",
    "expectedAmount": "100.00",
    "quote": {
      "exchangeRate": 84.50,
      "feePercent": 0.005,
      "feeInr": "42.25",
      "grossInr": "8450.00",
      "netInr": "8407.75"
    },
    "expiresAt": "2024-01-02T12:00:00Z"
  }
}

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Transaction Status Flow

For prefunded transactions:
  1. payout_processing - Payout initiated immediately
  2. payout_completed - INR sent to user’s bank
  3. awaiting_funds - Waiting for stablecoin deposit
  4. completed - Deposit confirmed, transaction complete

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Credit Limit

Your prefunded credit limit determines the maximum outstanding amount (payouts made but funds not yet received).
FieldDescription
creditLimitUsdMaximum outstanding prefunded amount
outstandingUsdCurrent outstanding amount
availableUsdRemaining available credit
When a prefunded transaction is created, the amount is added to outstandingUsd. When funds are received and confirmed, the amount is subtracted.

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Errors

CodeDescription
PREFUNDED_NOT_ALLOWEDPrefunded transactions not enabled for this account
CREDIT_LIMIT_EXCEEDEDAmount exceeds available credit limit
USER_NOT_FOUNDUser does not exist
KYC_INCOMPLETEUser KYC not verified
NO_BANK_ACCOUNTUser has no verified bank account
PAYOUT_FAILEDPayout initiation failed

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Important Notes

You must release the stablecoins to the depositAddress after the payout is processed. Failure to do so will affect your credit limit and account standing.
  • The deposit address is the same as standard transactions
  • You have 24 hours to send the funds after payout
  • Credit limit is restored when funds are confirmed on-chain