Sending Stablecoins

Bitnob allows you to programmatically send USDT or USDC to any on-chain address across supported blockchain networks. This is a key capability for use cases like payouts, merchant disbursements, and remittances.

Supported Chains

You can send funds on any of the following networks:

Tron (TRC20)

Binance Smart Chain (BEP20)

Ethereum (ERC20)

Polygon

Solana

TON (coming soon for send)

To view dynamically supported networks per stablecoin, use the

/wallets/stable-coins-networks endpoint.

Endpoint

POST /wallets/transfer This endpoint triggers an on-chain transfer from your wallet to an external address.

Request Parameters

Parameter	Type	Required	Description
amount	integer	✅	Amount in cents (e.g., 100 = $1.00)
address	string	✅	Recipient's on-chain wallet address
chain	string	✅	Blockchain network (e.g., bsc, tron, ethereum, polygon)
assetType	string	✅	Stablecoin type (USDT, USDC)
reference	string	✅	A unique identifier for the transfer (UUID or custom string)
customerEmail	string	❌	Optional email tied to the recipient (for your own tracking/analytics)
description	string	❌	Optional transfer description

Sample Request

Send Stablecoin Request

Sample Response

Send Stablecoin Response

Webhook Lifecycle

Once a transfer is created, Bitnob handles the on-chain broadcasting and confirmation tracking internally. Your app will receive:

transfer.initiated – immediately after the transfer is accepted

transfer.completed – after enough confirmations (based on chain)

transfer.failed – if the transfer is rejected, reverted, or times out on-chain

Best Practices

Idempotency: Always generate a unique reference per transfer to prevent double sending.

Fee Handling: Bitnob calculates and deducts gas/network fees from your balance. These are visible in the centFees field of the response.

Status Checking: Avoid polling — listen to transfer events via webhooks instead.

Address Validation: Use the /wallets/stable-coins-networks endpoint to validate supported chains for the asset before sending.