{"uid":"cap_kdYCDD96RDULk1V1I55Jm","slug":"laso-finance-send-bank-payment-ea733f95","name":"Laso Finance Send Bank Payment","description":"Send dollars to a bank account by ACH. Requires a bank destination registered beforehand with addBankingDestination (list them at GET /bank-recipients), which in turn requires an approved banking profile. The on-chain x402 payment credits the user's account balance via the standard deposit webhook, so a payout that cannot be fulfilled leaves nothing stranded — retry, or recover the funds with POST /withdraw.","url":"https://laso.finance/send-bank-payment","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","properties":{"amount":{"type":"number","description":"USD delivered to the recipient's bank account (min $10, max $50000). A 0.25% transfer fee with a $1.50 minimum is added on top to compute the x402 USDC price."},"destination_id":{"type":"string","description":"Bank destination id to pay out to, from addBankingDestination or GET /bank-recipients."}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"auth":{"type":"object","properties":{"id_token":{"type":"string","description":"Firebase ID token for the callable APIs"},"expires_in":{"type":"string"},"refresh_token":{"type":"string"}}},"message":{"type":"string"},"success":{"type":"boolean"},"user_id":{"type":"string"},"bank_payment":{"type":"object","properties":{"state":{"type":"string"},"amount":{"type":"number"},"payout_id":{"type":"string"},"fee_amount":{"type":"number"},"charged_amount":{"type":"number"},"destination_id":{"type":"string"}}}}}}}}},"responseSchema":{"type":"json","example":{"auth":{"id_token":"eyJ...","expires_in":"3600","refresh_token":"AMf..."},"message":"Bank payment is being processed.","success":true,"user_id":"0xabc...","bank_payment":{"state":"in-process","amount":100,"payout_id":"abc123","fee_amount":1.5,"charged_amount":101.5,"destination_id":"dest_123"}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"11.5","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$11.5/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"11.5","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"11.5","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_dka6cihYCU5oVbn17i4dN","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"11.5","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Initiates a bank payment by converting USDC stablecoins to a fiat payout delivered to a registered bank destination account.","exampleAgentPrompt":"Send $250 to my saved bank account (destination ID dest_123) using Laso Finance — pay it out from my USDC balance.","exampleUseCases":[{"title":"Pay freelancer via bank from crypto","prompt":"I need to pay my freelancer $500 from my USDC balance directly to their bank account — their destination ID is dest_456. Can you send it through Laso Finance?"},{"title":"Off-ramp USDC to personal checking","prompt":"Transfer $1000 from my USDC to my personal bank account on Laso Finance, destination ID is dest_789. I want the funds deposited today."},{"title":"Automate recurring vendor payment","prompt":"Send a $200 bank payment to vendor destination dest_321 using my USDC on Laso Finance — this is a monthly expense I want to start automating."}],"resultDescription":"Returns a JSON object confirming the bank payment is in-process, including a payout_id, the amount being paid, the fee charged, total charged amount in USDC, the destination_id used, and a success flag. Also includes an auth object with a refreshed id_token.","failureModes":["Invalid or unregistered destination_id returns an error — must be from addBankingDestination or GET /bank-recipients","Amount below $10 or above $10000 is rejected","Insufficient USDC balance to cover amount plus fee causes payment failure","x402 payment of $11.5 USDC not made or rejected causes 402 error","Network or chain congestion may delay processing confirmation","Expired or invalid auth token results in authentication failure"],"whenToPreferThis":"Choose this endpoint when an agent needs to off-ramp USDC to a real bank account with fiat delivery — specifically when you have a pre-registered bank destination ID and want to send a specific USD amount. Prefer this over prepaid/gift card endpoints when the recipient needs actual bank-account-deposited fiat rather than a spendable card. Best for payroll, vendor payments, or personal withdrawals where a bank transfer is required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T00:31:37.819Z","isFirstParty":false}