Multi-Rail Orchestration API
Programmatically dispatch instant worker payouts, verify non-custodial wallets, and manage rail routing.
/api/v1/payoutDispatch an instant multi-rail payout to a worker destination.
{
"workerId": "wrk_982401", // Required: Worker entity ID for KYC & velocity tracking
"rail": "solana", // Enum: "solana" | "xrpl" | "base" | "instant_bank" | "ach"
"destination": "7xKXtg2...", // Wallet address OR encrypted bank token
"rail": "solana", // Enum: "solana" | "xrpl" | "base" | "paypal" | "instant_bank" | "ach"
"destination": "7xKXtg2...", // Wallet address, PayPal email/phone, or bank token
"amount": "85.50", // Payout amount in decimal string
"currency": "USDC", // "USDC" | "RLUSD" | "XRP" | "SOL" | "USD"
"idempotencyKey": "idem_882a9f10", // Recommended: Prevent duplicate dispatches
"memo": "Shift payment #4102", // Optional customer reference
"recipientEmail": "worker@corp.com",// Optional / required if rail === "paypal" with email
"recipientPhone": "+14155552671", // Optional / alternative if rail === "paypal" with phone
"routingNumber": "121000358", // Required only if rail === "instant_bank" | "ach"
"accountNumber": "9876543210" // Required only if rail === "instant_bank" | "ach"
}Field Definitions
| Field | Type | Requirement | Description |
|---|---|---|---|
| workerId | string | Required | Worker account identifier linking identity to compliance velocity thresholds. |
| rail | string | Required | Routing destination: "solana", "xrpl", "base", "instant_bank", or "ach". |
| destination | string | Required for Crypto | Public wallet address (Solana base58, XRPL classic, or Base 0x address). |
| amount | string | Required | Payout amount formatted as decimal string (e.g. "50.00"). |
| currency | string | Required | Settlement currency: "USDC", "RLUSD", "XRP", "SOL", or "USD". |
Rail-Level Error Handling & Reject Codes
InstaPay IPX returns deterministic error codes when rail validation, screening, or consensus fails.
Worker destination address has not signed the 1-second challenge nonce or failed address checksum validation.
Worker or merchant has surpassed the unverified tier velocity limit ($2,000 unverified limit). Tier 2 enhanced KYC required.
Automated OFAC SDN or AML risk screening flagged the recipient address or counterparty. Failed closed automatically.
The 9-digit ABA routing transit number failed Federal Reserve checksum or does not support real-time credit receive.
Automated liquidity pool or cross-currency pathfinding exceeded maximum slippage tolerance or timed out.
Network timeout occurred while waiting for validator consensus. Transaction entered automatic reconciliation queue.