> ## Documentation Index > Fetch the complete documentation index at: https://agents.laso.finance/llms.txt > Use this file to discover all available pages before exploring further. # Send dollars to a bank account > Pay USDC to send dollars to a bank account by ACH. The x402 USDC price is the requested amount plus a 0.25% transfer fee (with a \$1.50 minimum fee). On-chain payment credits the calling wallet's Laso account balance via the standard deposit webhook; the callable then debits the gross amount and queues the transfer. **A bank destination is required first.** `destination_id` comes from the banking callables: create the banking profile with `createBankingProfile`, register who is being paid with `createBankingRecipient`, and attach their bank account with `addBankingDestination`, which returns the id. List what you already have at `GET /bank-recipients` (free). See the [bank accounts guide](/guides/agent-bank-accounts) for the full setup. **Identity verification is required** on the account that owns the banking profile, and only the human owner can complete it. `createBankingProfile` hands back a `kycUrl` when it is outstanding. **If the payout cannot be fulfilled** (no approved banking profile, a destination that is not yours, an amount out of range), nothing is stranded: the USDC you paid has already credited your account balance. Fix the problem and retry, or recover it with `POST /withdraw`. **Settlement:** ACH, normally 1-2 business days. Follow it with `listBankingTransactions` / `getBankingTransaction`. **Fee:** 0.25% with a \$1.50 minimum (included in the USDC price). ## OpenAPI ````yaml /api-reference/openapi.json get /send-bank-payment openapi: 3.1.0 info: title: Laso Finance x402 API version: 1.0.0 x-docs-revision: aef3ed27a551 x-docs-manifest: https://laso.finance/.well-known/docs-version.json contact: email: agents+support@laso.finance x-guidance: >- Laso Finance is a payment-gated (x402) API that lets an AI agent spend USDC on real-world financial products: prepaid cards (U.S. and international), gift cards, push-to-card transfers to USD/EUR/GBP debit cards, and Venmo/PayPal payouts. Payment: every paid route is an x402 v2 endpoint. Call it with no payment header to receive a 402 challenge listing the accepted networks, then replay with a signed USDC payment. Both Base (eip155:8453) and Solana (solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp) are accepted on every paid route; the caller picks either chain. Identity: `GET /auth` is free and identity-only. Prove wallet ownership with a `SIGN-IN-WITH-X` (CAIP-122) header to receive a Firebase id_token, then send that token as a Bearer credential to the authenticated read routes (`get-card-data`, `get-account-balance`, `get-kyc-status`, etc.). Paid routes also return fresh auth credentials in their response, so a payment is never required just to obtain a token. Recommended flow: (1) `GET /auth` to establish identity, (2) call a paid route (e.g. `GET /get-card`) to purchase a product, paying USDC on Base or Solana, (3) poll the authenticated read routes with the returned Bearer token to fetch the resulting card/transfer details. Full machine-readable instructions live at https://laso.finance/SKILL.md. description: >- Payment-gated API for Laso Finance. All paywalled routes use the x402 protocol — the caller includes a USDC payment header on Base (eip155:8453) or Solana (solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp) and the server verifies payment before processing. Free routes require no payment header. ## Getting started To set up a wallet for making x402 payments, choose a provider: - **Locus** (default): https://paywithlocus.com/SKILL.md - **Sponge**: https://wallet.paysponge.com/skill.md — automatic x402 service discovery - **Ampersend**: https://www.ampersend.ai/getting-started.md — self-custody on Base or Solana with dual-approval spending limits. Laso Finance is a default skill, so no manual endpoint registration is needed. ## How x402 works 1. Call a paywalled endpoint without a payment header → receive a `402 Payment Required` response containing payment details (price, recipient address, network). 2. Construct an x402 payment header using the details from the 402 response. 3. Replay the request with the payment header → the server verifies payment and processes the request. ## Authentication flow `GET /auth` is free: callers prove wallet ownership by sending a `SIGN-IN-WITH-X` header (CAIP-122 wallet signature). Paywalled routes (`/get-card`, `/order-gift-card`, `/get-push-to-card`, `/order-intl-card`) also return fresh auth credentials in their responses, so a payment is never required just to obtain a token. Most routes return auth credentials (`id_token`, `refresh_token`, `expires_in`). Use the `id_token` as a Bearer token to call authenticated Laso Finance endpoints like `/get-card-data`. When the `id_token` expires, use `POST /auth` with `grant_type: refresh_token` to get a new one. ## Important notes The `/get-card` USA prepaid card endpoint is U.S. only — issued in USD, usable at U.S.-based merchants only, and physical goods must ship to a U.S. address. For non-U.S. merchants or non-USD currencies, use `GET /order-intl-card` instead (international prepaid card, admin-fulfilled within 24 hours). All cards are intended for the caller's own use. For step-by-step instructions, read https://laso.finance/SKILL.md servers: - url: https://laso.finance description: Production security: [] paths: /send-bank-payment: get: summary: Send dollars to a bank account description: >- Pay USDC to send dollars to a bank account by ACH. The x402 USDC price is the requested amount plus a 0.25% transfer fee (with a \$1.50 minimum fee). On-chain payment credits the calling wallet's Laso account balance via the standard deposit webhook; the callable then debits the gross amount and queues the transfer. **A bank destination is required first.** `destination_id` comes from the banking callables: create the banking profile with `createBankingProfile`, register who is being paid with `createBankingRecipient`, and attach their bank account with `addBankingDestination`, which returns the id. List what you already have at `GET /bank-recipients` (free). See the [bank accounts guide](/guides/agent-bank-accounts) for the full setup. **Identity verification is required** on the account that owns the banking profile, and only the human owner can complete it. `createBankingProfile` hands back a `kycUrl` when it is outstanding. **If the payout cannot be fulfilled** (no approved banking profile, a destination that is not yours, an amount out of range), nothing is stranded: the USDC you paid has already credited your account balance. Fix the problem and retry, or recover it with `POST /withdraw`. **Settlement:** ACH, normally 1-2 business days. Follow it with `listBankingTransactions` / `getBankingTransaction`. **Fee:** 0.25% with a \$1.50 minimum (included in the USDC price). operationId: sendBankPayment parameters: - name: amount in: query required: true description: >- USD delivered to the recipient's bank account (min \$10, max \$10,000). The x402 payment price is this amount plus a 0.25% fee (with a \$1.50 minimum). schema: type: number minimum: 10 maximum: 10000 - name: destination_id in: query required: true description: >- Bank destination to pay out to. Returned by `addBankingDestination`, and listed by `GET /bank-recipients`. schema: type: string responses: '200': description: Bank payment queued. content: application/json: schema: type: object properties: auth: $ref: '#/components/schemas/AuthCredentials' callable_base_url: type: string user_id: type: string success: type: boolean message: type: string bank_payment: type: object properties: payout_id: type: string amount: type: number description: USD delivered to the bank account. fee_amount: type: number description: Transfer fee charged on top of the amount. charged_amount: type: number description: amount + fee_amount, the total debited. destination_id: type: string state: type: string example: in-process timestamp: type: number destination: type: object description: >- The bank account being paid, summarized. The account number is masked to its last four digits. properties: name: type: string bank_name: type: string account_holder_name: type: string account_number_last4: type: string '400': description: Missing or out-of-range `amount`, or a missing `destination_id`. '402': description: >- Payment required. Includes the x402 payment challenge. A **second** 402 on the paid retry means something different: the payment header verified but the transfer could not be settled on-chain. That response body is not empty and carries no `accepts` — it is the x402 settlement-failure shape `{"success": false, "errorReason": "...", "errorMessage": "..."}`, plus `x_laso_guidance` when a concrete next step applies. Distinguish the two by body: a challenge has `accepts`, a failure has `success: false`. The usual cause is an underfunded wallet, and the usual cause of that is the fee being charged **on top of** `amount` (a wallet holding exactly \$2,000 cannot send a \$2,000 payment). Nothing is charged for a failed settlement, so retrying with a smaller amount is safe. '403': description: Account is frozen. '412': description: >- No approved banking profile, or the destination is not one of yours. The USDC paid is credited to your account balance and recoverable with `POST /withdraw`. components: schemas: AuthCredentials: type: object properties: id_token: type: string description: ID token — use as Bearer token for Laso Finance APIs refresh_token: type: string description: >- Use with POST /auth (grant_type=refresh_token) to get a new id_token when it expires expires_in: type: string description: Token lifetime in seconds ````