Withdrawal account

Used to withdraw funds from an internal conomy_hq account to an external destination.

The transaction is initiated by the account owner when they decide to move money out of the platform.

Field	Value
type	WITHDRAWAL_ACCOUNT
origins	One internal ACCOUNT node
destinations	One or more payout rail nodes (for example: BANK_ACCOUNT, SPEI, PIX, ACH, WIRE, SEPA, SWIFT)

The destination must be a payout rail specific to the recipient's country and currency. See Nodes for all available payout rails.

Example

{
  "identityId": "<IDENTITY_ID>",
  "accountNumber": "<ACCOUNT_NUMBER>",
  "product": "ARS:ARS",
  "type": "WITHDRAWAL_ACCOUNT",
  "purchaseAmount": "5000",
  "purchaseCurrency": "ARS",
  "currency": "ARS",
  "origins": [
    {
      "type": "ACCOUNT",
      "currency": "ARS",
      "identity": { "identityId": "<IDENTITY_ID>" },
      "account": { "accountNumber": "<ACCOUNT_NUMBER>" }
    }
  ],
  "destinations": [
    {
      "type": "BANK_ACCOUNT",
      "currency": "ARS",
      "bank": {
        "accountNumber": "0000267900000001588730",
        "bank": "BANCO_CMF",
        "currency": "ARS",
        "typeAccount": "CHECKING",
        "accountHolder": "Fernando Domínguez",
        "accountHolderDni": "20219636890",
        "country": "AR"
      },
      "customer": {
        "firstName": "Fernando",
        "lastName": "Domínguez",
        "documentNumber": "20219636890",
        "country": "ARG",
        "email": "[email protected]"
      }
    }
  ]
}

Ownership

Only the account owner can initiate a withdrawal.

Settlement Time

Settlement time depends on the destination rail. Instant rails (PIX) settle in seconds. Traditional rails (ACH, SEPA) may take 1–3 business days.

Bulk Payments

Bulk disbursements are supported: one origin, multiple destinations.

Available Destinations by Region

Region	Rail	Type
Argentina	Bank transfer	BANK_ACCOUNT
Mexico	CLABE	SPEI
Brazil	PIX key	PIX
Colombia	Bank payout	BREB
USA	Bank transfer	ACH
USA	Wire	WIRE
USA	Instant bank	FEDNOW
USA	Real-time	RTP
UK	Faster Pay	FPE
Europe	IBAN	SEPA
Global	International	SWIFT
Chile	Bank transfer	BANK_ACCOUNT
Colombia	Bank transfer	BANK_ACCOUNT
Peru	Bank transfer	BANK_ACCOUNT
Bolivia	Bank transfer	BANK_ACCOUNT
Paraguay	Bank transfer	BANK_ACCOUNT
Australia	Bank transfer	BANK_ACCOUNT
Costa Rica	Bank transfer	BANK_ACCOUNT
Dominican Republic	Bank transfer	BANK_ACCOUNT
Ecuador	Bank transfer	BANK_ACCOUNT
Panama	Bank transfer	BANK_ACCOUNT
Uruguay	Bank transfer	BANK_ACCOUNT
Venezuela	Bank transfer	BANK_ACCOUNT
Canada	Bank transfer	BANK_ACCOUNT
Canada	International	SWIFT
China	International	SWIFT
Hong Kong	International	SWIFT