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Overview

Your agent can send a payout to a Venmo or PayPal recipient using the /send-payment endpoint. The payment is funded with USDC on Base or Solana via x402 and delivered to the recipient’s Venmo or PayPal account. The endpoint requires identity verification (KYC) on the wallet that pays for the request. Check GET /get-kyc-status first (it’s free): if the wallet isn’t verified yet, complete verification before paying for a send. If you call /send-payment from an unverified wallet, the response returns kyc_url instead of dispatching the payout, and the USDC you already paid is credited to your account balance — verify and call again to send, or withdraw it back with POST /withdraw.

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How it works

1

Agent calls /send-payment

Your agent makes an x402 request to GET /send-payment with the platform, recipient details, and amount. The x402 USDC price is the requested amount plus a 4.9% fee (with a $1.50 minimum).
2

Laso checks the wallet's KYC status

If the wallet is already verified, Laso debits the credited account balance and dispatches the payout. If not, the response returns kyc_required: true and a kyc_url.
3

(If needed) Complete KYC and retry

Open the kyc_url, complete the flow, then call /send-payment again with a fresh x402 payment to send the payout.
4

Funds arrive

Venmo and PayPal payouts typically settle within minutes once dispatched.
The on-chain USDC you pay always credits your Laso account balance via the standard deposit webhook, even if the payout is blocked by KYC. You can always recover the funds with POST /withdraw.

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If verification is required

When the response contains kyc_required: true, the payout was not sent, but the USDC you paid was still credited to the calling wallet’s Laso account balance. You have two ways forward, and no funds are at risk either way:
  1. Complete verification and retry. Open the returned kyc_url, finish the identity flow, then call /send-payment again with a fresh x402 payment. The payout dispatches once the wallet is verified.
  2. Recover the funds. If you don’t want to verify, call POST /withdraw to send the credited USDC back to the wallet.
Verification is per-wallet and one-time: once a wallet is verified, future /send-payment calls go straight through.

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Sending a payment

Venmo: 
curl "https://laso.finance/send-payment?platform=venmo&amount=25&recipient_id=5551234567&recipient_first_name=Jane&recipient_last_name=Doe&recipient_email=jane%40example.com" \
  -H "X-Payment: <x402-payment-header>"
PayPal: 
curl "https://laso.finance/send-payment?platform=paypal&amount=25&recipient_id=jane%40example.com&recipient_first_name=Jane&recipient_last_name=Doe" \
  -H "X-Payment: <x402-payment-header>"
ParameterDescription
platformvenmo or paypal.
amountUSD amount to send to the recipient (min $5, max $1,000). A 4.9% fee with a $1.50 minimum is added to compute USDC.
recipient_idVenmo: recipient’s 10-digit U.S. phone number. PayPal: recipient’s email address.
recipient_first_nameRecipient’s first name (English letters A-Z and a-z only).
recipient_last_nameRecipient’s last name (English letters A-Z and a-z only).
recipient_emailRecipient’s email. Required for Venmo. Optional for PayPal (defaults to recipient_id).

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Response (verified wallet)

{
  "auth": {
    "id_token": "eyJ...",
    "refresh_token": "AMf...",
    "expires_in": "3600"
  },
  "user_id": "0xabc...",
  "success": true,
  "message": "Payment is being processed.",
  "platform": "venmo",
  "amount": 25,
  "recipient_id": "5551234567",
  "state": "in-process"
}

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Response (unverified wallet)

{
  "auth": {
    "id_token": "eyJ...",
    "refresh_token": "AMf...",
    "expires_in": "3600"
  },
  "user_id": "0xabc...",
  "kyc_required": true,
  "kyc_url": "https://api.sumsub.com/idensic/l/#/uni_...",
  "message": "KYC verification is required before sending Venmo or PayPal payouts. Complete the flow at kyc_url and retry, or call POST /withdraw to recover the funds credited to your account balance.",
  "platform": "venmo",
  "amount": 25,
  "recipient_id": "5551234567"
}

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Tell your agent

Send $25 to Jane Doe via Venmo using the Laso Finance API. Call GET
https://laso.finance/send-payment with platform=venmo, amount=25,
recipient_id=5551234567, recipient_first_name=Jane, recipient_last_name=Doe,
recipient_email=jane@example.com via x402. If the response includes
kyc_required, give the kyc_url to the user, wait for verification, then
retry.

Send $50 to Jane Doe via PayPal using the Laso Finance API. Call GET
https://laso.finance/send-payment with platform=paypal, amount=50,
recipient_id=jane@example.com, recipient_first_name=Jane,
recipient_last_name=Doe via x402. If the response includes kyc_required,
surface the kyc_url, wait for verification, then retry.

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Fee structure

PropertyValue
Minimum amount$5
Maximum amount$1,000
Percentage fee4.9% on top of amount
Minimum fee$1.50 (applied when 4.9% of amount is below $1.50)
USDC price formulamax(amount × 1.049, amount + 1.50)
KYC verification is per-wallet. If you switch wallets, the new wallet has to complete its own verification before it can send Venmo or PayPal payouts.