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Bitnob funds payouts two ways. The difference is whether you hold a balance in advance or pay for each payout as you create it. Both models reach every supported country and channel. Both can run side by side in the same account.

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Wallet-funded

You top up your Bitnob balance with bitcoin, USDT, USDC, or naira (NGN). Each payout debits that balance.
  1. Top up the balance. Check it with List balances.
  2. Create a quote, initialize with the beneficiary, then finalize. The amount is debited at finalize.
  3. Bitnob validates compliance and liquidity, then dispatches to the rail.
Payouts execute as soon as validation passes, so there is no funding wait. Finalize before expires_at, because an expired quote is refused. The cost is that you carry float, and a payout fails if the balance is short.

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On the fly

You hold no balance. Each payout generates its own payment address or invoice, which you pay before the payout settles.
  1. Call Create quote. You get a quote ID, the amount to fund, and an expiry timestamp.
  2. Call Initialize payout with the quote ID and beneficiary details. Bitnob returns a Bitcoin address, Lightning invoice, or stablecoin deposit address, depending on the from_asset and chain on your quote.
  3. Pay it before the quote expires.
  4. Bitnob confirms receipt, then dispatches the fiat payout.
  5. payouts.withdrawal.success, payouts.withdrawal.expired, or payouts.withdrawal.failed tells you the outcome.
No float, and reconciliation is one payment per payout. The cost is that every payout has a funding deadline you have to meet.

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Funding sources

deposit_amount is returned by initialize. It is the quoted amount plus fees.

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Things that will bite you

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Choosing

Pick wallet-funded if payout volume is steady enough that holding float costs less than the operational overhead of per-payout funding, or if you cannot tolerate a funding step between the user’s request and settlement. Pick on the fly if volume is low or spiky, if you are still in early integration, or if idle balance is the thing you are trying to avoid. The models are not exclusive. A common pattern is wallet-funded for recurring payroll and on the fly for one-off disbursements.