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Customer Offramp Overview

Breeze enables merchants to seamlessly convert stablecoin payouts into USD bank transfers for their customers—all through a single, compliant flow. The Customer Offramp product combines stablecoin delivery and fiat withdrawal into one smooth experience.

Breeze handles compliance, risk, KYC (Know Your Customer), banking details, funds distribution—so your team doesn’t need to manage any of the operational or regulatory overhead.

How It Works (Conceptual Overview)


sequenceDiagram
participant M as Your Backend
participant B as Breeze Offramp Service

M->>B: (1) Create Offramp Request (API call)
B-->>M: (1') Return Offramp URL in Response
M->>B: (2) Redirect User to Offramp URL
B-->>M: (3) Webhook Notifications for Status Updates

1. Create an Offramp Request

  • Call Breeze’s offramp API with key parameters (amount in USDC, destination currency, user identity details, etc.).
  • Receive a unique offramp_url in the response.

2. Redirect the User

  • Redirect your customer to the offramp_url, where Breeze collects their bank account or debit card information and performs KYC verification.
  • Once KYC is approved, Breeze initiates the fiat payout.
  • The USDC used for the payout will be sent from a pooled wallet managed by Breeze, on behalf of the merchant.

Note: Breeze does not custody merchant funds. The USDC used in this flow is treated as being sent by the merchant to the customer, with Breeze executing the transfer on behalf of the merchant. And Breeze helps the customer to offramp USDC to USD.

3. Receive Webhooks

  • Breeze sends webhook notifications to your server for each key event:
    • KYC status (approved, rejected, pending)
    • USDC transfer execution
    • Final payout status (success or failure)

Use these notifications to update transaction records, notify customers, or trigger follow-up actions.

Key Takeaways:

  • A single API call lets you send USDC and initiate an offramp for your customer.
  • Breeze handles compliance checks (KYC/AML), secure collection of banking information, crypto and fiat distribution.
  • Your customer experiences a smooth and trusted interface on a Breeze-hosted offramp page.
  • Webhooks keep your system in sync—no polling or manual tracking needed.

Updated 3 days ago