> For the complete documentation index, see [llms.txt](https://docs.madhousewallet.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.madhousewallet.com/datasheet.md). # Datasheet ## Madhouse Wallet — Off-Ramp API Datasheet **Company:** Madhouse Wallet\ **Website:** \ **API Docs:** \ **API Changelog:** \ **Support:** *** ### 1. Company Overview | | | | ------------------------ | ------------------------------------------- | | **Company Name** | Madhouse Wallet | | **Operating Entity** | The Walker Ledger Ltd (registered in Kenya) | | **Year Founded** | 2024 | | **Contact** | | | **Supported Flow Types** | Off-ramp (stablecoin → fiat) | | **Widget UI Sample** | | *** ### 2. API & Integration | | | | ------------------------------------------------ | ---------------------------------------------------------------- | | **API Documentation** | | | **Integration Models** | Direct API, Widget UI | | **Fully Programmatic (no front-end required)** | Yes | | **Versioned with Changelog** | Yes — | | **Sandbox / Staging Environment** | Yes | | **Sub-accounts / Virtual Account Creation** | No | | **Batch Multi-Currency Processing** | No | | **Webhooks (status & settlement notifications)** | Planned — not yet available | | **Developer Support** | Yes — dedicated Slack channel | #### Response Times | Operation | Typical Latency | | ----------------------- | ----------------- | | FX Quote | 2–3 seconds | | Trade Execution | 3–5 minutes | | Settlement Confirmation | 2–3 seconds | | ACH Settlement | 0–2 business days | | SWIFT Settlement | 5–7 business days | | All other local rails | Instant | #### Key API Endpoints | Method | Endpoint | Description | Rate Limit | | ------ | ----------------------------------- | --------------------------------------------------------- | ---------- | | GET | `/api/payouts/account-requirements` | Required fields for a target currency | 60 req/min | | POST | `/api/payouts/account-requirements` | Refresh fields after a dependent field change | 60 req/min | | GET | `/api/payouts/quote` | USD → target currency exchange quote | 20 req/min | | POST | `/api/payouts/transfer` | Initiate a USDC payout; returns deposit address | 5 req/min | | POST | `/api/payouts/transfer/cancel` | Cancel a pending transfer (before USDC is sent) | 20 req/min | | GET | `/api/payouts/transfer/:id` | Get transfer status and details (DB snapshot) | 30 req/min | | GET | `/api/payouts/transfer-status/:id` | Get transfer status with live quote and recipient details | 30 req/min | | GET | `/api/payouts/recipients` | List recipients | 30 req/min | | POST | `/api/payouts/recipients` | Create a payout recipient | 30 req/min | | GET | `/api/payouts/recipients/:id` | Fetch a single recipient | 30 req/min | | DELETE | `/api/payouts/recipients/:id` | Delete a recipient (blocked if transfer in flight) | 30 req/min | #### Transfer Flow (API Key Callers) 1. `GET /api/payouts/account-requirements` — fetch required fields for target currency 2. `POST /api/payouts/recipients` — create recipient with validated fields 3. `GET /api/payouts/quote` — get a 5-minute locked FX quote; receive `quoteId` 4. `POST /api/payouts/transfer` — submit transfer with `quoteId`; receive `escrow_wallet` (deposit address) and `expires_at` 5. Send exact USDC amount to the deposit address from `source_wallet` within the expiry window 6. The platform detects the deposit, converts funds, and routes to the recipient's bank account automatically 7. Poll `GET /api/payouts/transfer-status/:id` for live status updates *** ### 3. Compliance & Licensing | | | | -------------------------------------- | ----------------------------------------------------------------------- | | **Regulatory Licenses** | Licensed FX & settlement infrastructure across payout jurisdictions | | **Money Transmission** | Handled via licensed settlement partners | | **End-User Compliance (B2B)** | Madhouse Wallet KYCs end users; partners also KYC their own per our MSA | | **Compliance Partner** | Comply Factor | | **Partner KYB Onboarding Time** | 3–5 business days | | **End-Customer KYC** | Performed by Madhouse Wallet and the partner (layered KYC) | | **Travel Rule** | N/A | | **Ongoing AML / Sanctions Monitoring** | Yes | *** ### 4. Operational Performance | | | | ------------------------------ | ------------------------------------------------------------------- | | **Off-Ramp Success Rate** | 98% | | **Common Failure Causes** | Compliance review (delay only, max 72 hours — never a hard failure) | | **Automatic Retry on Failure** | Yes | | **Average Time to Resolution** | Minutes | *** ### 5. Pricing & Commercial Terms | | | | ------------------------------- | ----------------------------------------------------------------------- | | **FX Spread** | Mid-market rate | | **Transaction Fee** | 0.3% | | **Platform Fee** | 0.5% | | **Settlement Fee** | Variable; typically under 1% for transactions above 500 USDC | | **FX Quote Validity** | 5 minutes | | **Minimum Volume Commitment** | None | | **Enterprise / Volume Pricing** | Revenue share programs available — contact | *** ### 6. Currency & Market Coverage #### Off-Ramp Fiat Currencies Supported 85 currencies across Africa, Asia, Europe, Latin America, the Middle East, and Oceania. See the full table in Section 11. #### Operational Jurisdiction * FX infrastructure is licensed in all jurisdictions where funds are off-ramped #### Maximum Transaction Size | Tier | Limit | | ------------------------------ | -------------------------------- | | Default starting tier | $9,000 per transaction | | Verified / enterprise partners | Up to $1,000,000 per transaction | #### Daily / Monthly Capacity No per-currency cap — the underlying FX infrastructure is highly liquid. *** ### 7. Chain & Asset Support | | | | --------------------------------------- | ----------------------------------------------------------- | | **Supported Stablecoin** | USDC | | **Supported Blockchains** | Arbitrum, Base, Ethereum Mainnet, Optimism, Polygon, Solana | | **Deposit Addresses** | Per-transfer (unique address per transaction) | | **Multi-Chain Deposits** | Yes — specify the chain in the API request | | **Stablecoin Settlement Timeframe** | 5–10 minutes after deposit confirmation | | **Blockchain-Native AML / Travel Rule** | No | *** ### 8. Liquidity & FX | | | | ---------------------------------------------- | -------------------------------------------------------- | | **FX Spread Source** | Determined by our institutional FX infrastructure | | **Liquidity Model** | External institutional liquidity providers | | **Rate Refresh Frequency** | Real-time | | **Rate Lock During Execution** | Yes — 5-minute locked quote via `GET /api/payouts/quote` | | **Max Liquidity Per Currency Per Transaction** | $1,000,000 USD equivalent | | **Supported Pairs** | USDC → any currency in the supported currencies table | *** ### 9. Settlement & Payout Operations | | | | ------------------------------------------ | -------------------------------------------------------- | | **Settlement Timeframes** | Instant (most local rails); ACH 1–2 days; SWIFT 5–7 days | | **Programmable Disbursement via API** | Yes — fully API-driven after recipient creation | | **Settlement Currency ≠ Invoice Currency** | No | | **Settlement Netting** | Per-transaction gross settlement | #### Transfer Status Lifecycle | Status | Meaning | | ------------------ | ------------------------------------------ | | `pending` | Transfer created; awaiting USDC deposit | | `awaiting_deposit` | Deposit address issued; waiting for USDC | | `deposit_sent` | USDC confirmed on-chain | | `processing` | Funds being converted and routed | | `completed` | Funds delivered to recipient bank | | `failed` | Error — contact support with `transfer_id` | *** ### 10. Security & Data | | | | --------------------------- | --------------------------------------------------------------- | | **Cloud Infrastructure** | AWS us-east-1 | | **Encryption at Rest** | AES-256 | | **Encryption in Transit** | TLS 1.2+ (all API traffic); RSA for webhook verification | | **API Response Encryption** | AES-256-GCM per-session encrypted responses for browser clients | | **Key Management** | AWS KMS (secp256k1 signing keys never leave KMS) | | **Certifications** | SOC 2 audit in preparation; GDPR compliant; CCPA compliant | | **Standard Data Retention** | 90 days | | **Custom Data Retention** | Yes — available on request | #### API Key Security Controls * API keys use format `mw_live__` (128-bit entropy secret) * Keys are stored as SHA-256 hashes — plaintext is shown once at creation and never retrievable * Maximum 5 API keys per account * Per-key `lastUsedAt` timestamp stamped on every authenticated request * Optional **IP restriction**: lock API keys to a single IPv4 address (`/32`) * Admin-enforced IP restriction available for enterprise accounts * Rate limits are per-key (not per-user): isolated quotas per integration * Key management endpoints require browser session JWT — an API key cannot create or revoke other API keys #### Authentication * All API requests require `Authorization: Bearer mw_live_...` header * Self-hosted WebAuthn passkey + ES256 JWT auth for dashboard/browser users * No third-party auth dependencies *** ### 11. Supported Currencies | Code | Currency | Country | Payment Methods | | ---- | ------------------- | ---------------------- | ------------------------------------------- | | AED | UAE Dirham | United Arab Emirates | Local bank account | | ARS | Argentine Peso | Argentina | Local bank account | | ALL | Albanian Lek | Albania | SWIFT | | AUD | Australian Dollar | Australia | Local bank account, BPAY | | BAM | Convertible Mark | Bosnia and Herzegovina | SWIFT | | BDT | Bangladeshi Taka | Bangladesh | Local bank account, bKash, E-Wallet | | BHD | Bahraini Dinar | Bahrain | SWIFT | | BMD | Bermudian Dollar | Bermuda | SWIFT | | BOB | Bolivian Boliviano | Bolivia | SWIFT | | BRL | Brazilian Real | Brazil | Local bank account, Brazil business | | BWP | Botswanan Pula | Botswana | SWIFT | | CAD | Canadian Dollar | Canada | Local bank account, Interac | | CHF | Swiss Franc | Switzerland | IBAN | | CLP | Chilean Peso | Chile | Local bank account | | CNY | Chinese Yuan | China | Alipay, WeChat Pay | | COP | Colombian Peso | Colombia | Local bank account | | CRC | Costa Rican Colon | Costa Rica | Local bank account | | CVE | Cape Verdean Escudo | Cape Verde | SWIFT | | CZK | Czech Koruna | Czech Republic | Local bank account, IBAN | | DKK | Danish Krone | Denmark | IBAN | | DOP | Dominican Peso | Dominican Republic | SWIFT | | EGP | Egyptian Pound | Egypt | IBAN | | EUR | Euro | Eurozone | IBAN (inside Europe), SWIFT (outside) | | GBP | British Pound | United Kingdom | Local bank account (sort code), IBAN, SWIFT | | GEL | Georgian Lari | Georgia | IBAN | | GHS | Ghanaian Cedi | Ghana | Local bank account | | GMD | Gambian Dalasi | Gambia | SWIFT | | GNF | Guinean Franc | Guinea | SWIFT | | GTQ | Guatemalan Quetzal | Guatemala | SWIFT | | HKD | Hong Kong Dollar | Hong Kong | FPS ID, Local bank account | | HNL | Honduran Lempira | Honduras | SWIFT | | HUF | Hungarian Forint | Hungary | Local bank account, IBAN | | IDR | Indonesian Rupiah | Indonesia | Local bank account, E-Wallet | | ILS | Israeli New Shekel | Israel | IBAN | | INR | Indian Rupee | India | Local bank account, UPI | | ISK | Icelandic Krona | Iceland | SWIFT | | JPY | Japanese Yen | Japan | Local bank account | | KES | Kenyan Shilling | Kenya | M-PESA, Local bank account | | KGS | Kyrgystani Som | Kyrgyzstan | SWIFT | | KHR | Cambodian Riel | Cambodia | SWIFT | | KRW | South Korean Won | South Korea | PayGate (personal), PayGate (business) | | KWD | Kuwaiti Dinar | Kuwait | SWIFT | | LAK | Laotian Kip | Laos | SWIFT | | LKR | Sri Lankan Rupee | Sri Lanka | Local bank account | | MAD | Moroccan Dirham | Morocco | Local bank account | | MNT | Mongolian Togrog | Mongolia | SWIFT | | MOP | Macanese Pataca | Macau | SWIFT | | MUR | Mauritian Rupee | Mauritius | SWIFT | | MXN | Mexican Peso | Mexico | CLABE | | MYR | Malaysian Ringgit | Malaysia | DuitNow, Local bank account | | NAD | Namibian Dollar | Namibia | SWIFT | | NGN | Nigerian Naira | Nigeria | Local bank account | | NIO | Nicaraguan Cordoba | Nicaragua | SWIFT | | NOK | Norwegian Krone | Norway | IBAN | | NPR | Nepalese Rupee | Nepal | Local bank account | | NZD | New Zealand Dollar | New Zealand | Local bank account | | OMR | Omani Rial | Oman | SWIFT | | PEN | Peruvian Sol | Peru | SWIFT | | PHP | Philippine Peso | Philippines | Local bank account | | PKR | Pakistani Rupee | Pakistan | IBAN | | PLN | Polish Zloty | Poland | Local bank account, IBAN | | PYG | Paraguayan Guarani | Paraguay | SWIFT | | QAR | Qatari Riyal | Qatar | SWIFT | | RON | Romanian Leu | Romania | IBAN | | RSD | Serbian Dinar | Serbia | SWIFT | | RWF | Rwandan Franc | Rwanda | SWIFT | | SAR | Saudi Riyal | Saudi Arabia | SWIFT | | SCR | Seychellois Rupee | Seychelles | SWIFT | | SEK | Swedish Krona | Sweden | IBAN | | SGD | Singapore Dollar | Singapore | Local bank account, PayNow | | SRD | Surinamese Dollar | Suriname | SWIFT | | THB | Thai Baht | Thailand | Local bank account | | TND | Tunisian Dinar | Tunisia | SWIFT | | TRY | Turkish Lira | Turkey | IBAN | | TZS | Tanzanian Shilling | Tanzania | Local bank account | | UAH | Ukrainian Hryvnia | Ukraine | IBAN, PrivatBank card | | UGX | Ugandan Shilling | Uganda | Local bank account | | USD | US Dollar | United States | ACH, Wire, SWIFT | | UYU | Uruguayan Peso | Uruguay | Local bank account | | VND | Vietnamese Dong | Vietnam | Local bank account | | ZAR | South African Rand | South Africa | Local bank account | *** ### 12. Current Client Examples We specialize in emerging markets across Africa, Southeast Asia, and South America. Current integrations include: * **Remote talent agencies in Kenya** — international payroll settled in KES via M-PESA and local bank accounts * **Renewable energy businesses in Nigeria** — cross-border supplier payments settled in NGN * **Software consulting agencies in India** — contractor payouts settled in INR via UPI and local bank accounts All clients use USDC as the settlement stablecoin for international transfers. *** ### 13. Support | Channel | Details | | --------------------- | ---------------------------------------------------------- | | **Email** | | | **Developer Support** | Dedicated Slack channel (provided at onboarding) | | **API Docs** | | | **Changelog** | | | **WhatsApp** | Available upon request at onboarding | *** *Last updated: 2026-03-29*