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Typical Integration Timelines

Our simple yet robust API allows most companies to complete integration within a week, with some partners reaching production in as little as 48 hours.

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Fin.com API Collection

Fin.com offers a simple set of APIs to handle all your pay-in and payout needs. Our core capabilities include:
  • Onboarding: Quickly verify your individual and business customers.
  • Virtual Accounts: Create accounts for your customers to handle pay-ins (on-ramps).
  • Payouts: Set up beneficiaries and send money (off-ramps) across multiple global corridors.
  • Automation: Create and manage transactions programmatically.
Check out our API Reference to start exploring.

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Testing Environments

Fin.com provides a sandbox environment for testing its API collection. Learn how to issue a sandbox API key.

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Webhook Integration for Real-time Status Updates

Fin.com uses webhook events to communicate updates on customers, beneficiaries, transactions, and virtual account statuses. For more details, refer to our webhook collection.

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Programmatic Transaction Initiation

Fin.com offers two settlement methods for payouts:
  1. Automatic settlement: Fin.com initiates the fiat payout automatically when crypto is received in the beneficiary’s liquidation address.
  2. Programmatic settlement: You trigger the transaction programmatically using either the Settle a transfer endpoint or the Execute Batch Transfer endpoint.

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Programmatic settlement with prefunded balance

If you maintain prefunded balances with Fin.com, you must always trigger payouts programmatically using either the Settle a transfer endpoint or the Execute Batch Transfer endpoint, regardless of your beneficiaries’ auto-settlement configuration true or false.

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Programmatic settlement without a prefunded balance

To initiate a programmatic transaction without prefunded balances, you must set the auto settlement configuration false for the beneficiary. If auto_settlement is set to false, Fin.com will hold the crypto in the liquidation address until you trigger the payout using either the Settle a transfer endpoint or the Execute Batch Transfer endpoint. Learn more about Funding & Balances.
Pre-funding is a must for all local currency payouts (e.g., BDT, INR, EUR).

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Virtual IBAN Issuance

Fin.com currently issues EUR vIBANs for OTC users only. API access will be available in the second week of March 2026.

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External KYC Integration and Data Portability

Fin.com supports KYC reliance, where Fin.com relies on your customer’s KYC following due diligence. Contact [email protected] for more details.

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System Uptime and Service Level Agreements (SLA)

Fin.com maintains 24/7 uptime. Any scheduled downtime will be communicated in advance.

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Transaction Success Rates and Reliability Metrics

Our infrastructure is built for mission-critical financial applications, maintaining the following performance standards:
  • Inbound Transfers (On-Ramp): We guarantee a 100% success rate for on-ramps. By utilizing dedicated virtual accounts, we eliminate the routing failures and attribution errors common in traditional pooled-account models.
  • Outbound Transfers (Off-Ramp): Fin.com maintains a 99%+ success rate for off-ramps. High-fidelity delivery is ensured provided that:
    • Beneficiary details pass initial schema validation.
    • Transactions clear standard AML/KYC compliance protocols.
  • Service Availability: We operate with a 99.9% Uptime SLA, ensuring your platform remains operational across all global time zones.

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Refund and Reversal Management

Refunds and reversals apply to fiat payouts and off-ramps, depending on your prefunding setup. With prefunded balances: Fin.com credits refunds or reversals to your respective prefunding balance (SWIFT or Local). Without prefunded balances: Fin.com credits the exact crypto amount to the address specified in the beneficiary’s refund_instruction.