# Datasheet ## Madhouse Wallet — Off-Ramp API Datasheet **Company:** Madhouse Wallet\ **Website:** \ **API Docs:** \ **API Changelog:** \ **Support:** *** ### 1. Company Overview | | | | ------------------------ | ---------------------------- | | **Company Name** | Madhouse Wallet | | **Headquarters** | United States | | **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** | FinCEN — United States (MSB) | | **MSB / EMI / PSP Registration** | Yes — registered MSB | | **End-User Compliance (B2B)** | Partners must KYC their own end users per our MSA | | **Compliance Partner** | Comply Factor | | **Partner KYB Onboarding Time** | 3–5 business days | | **End-Customer KYC** | Performed by partner — we do not KYC partner end-customers | | **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 * Licensed in the United States (FinCEN MSB) * 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 | > **Note**: BGN (Bulgarian Lev) is listed but currently not supported for payouts. *** ### 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* --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.madhousewallet.com/datasheet.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.