INR Offramp

INR offramp lets your users convert their stablecoin balance into Indian Rupees, settled to a bank account in India. Every offramp flow follows the same four steps: Create User → KYC → Bank Account Linkage → Transaction.

Both USDT and USDC are supported for INR offramp.

Create User

POST /api/v2/user

{
  "email": "user@example.com",
  "phone": "+919876543210"
}

Response:

{
  "success": true,
  "data": {
    "user_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

Save user_id — every subsequent call needs it as the X-User-Id header.

KYC

INR supports two KYC methods:

KYC Sharing
KYC Widget

POST /api/v2/user/kyc

Headers: X-User-Id: <user_id>

{
  "legal_name": "John Doe",
  "poi": "DWSPP6492L",
  "poa": "500100121232",
  "dob": "31-01-2000",
  "email": "user@example.com",
  "phone": "+919876543210",
  "country_iso3": "IND",
  "is_nri": false
}

Response:

{ "success": true, "data": {} }

poi = PAN, poa = Aadhaar.

Set is_nri: true if the user is a Non-Resident Indian. TDS is not deducted from INR sell payouts for NRI users; it is deducted for third-party payouts to Indian residents. A user whose country is India cannot be marked is_nri: true.

Saber may request supporting KYC documents for a KYC-Sharing user at any time — these must be shared within 72 hours of the request.

Redirect the user to a signed URL:

const sigString = clientId + timestamp + "sdk" + userId
const secret = HmacSHA256(sigString, clientSecret).toString().toUpperCase()
// redirect to: https://app.saber.money/kyc?client_id=...&user_id=...&timestamp=...&secret=...&redirect_url=<url-encoded-url>

The URL is valid for 10 minutes from generation. Append the optional redirect_url as the last query parameter (URL-encoded) to send the user back to your app when they exit the flow. See KYC Hosted Widget for the full parameter reference.

Bank Account Linkage

POST /api/v2/user/bank_account

Headers: X-User-Id: <user_id>

{
  "account_number": "12345678901234",
  "bank_code": "HDFC0001234",
  "country": "IND"
}

For India, only account_number and bank_code (IFSC) are required — account_holder_name is not required at this step; the account holder name is fetched from the bank during penny-drop and matched against the user’s KYC legal_name instead.Response:

{
  "success": true,
  "data": {
    "bank_id": "550e8400-e29b-41d4-a716-446655440000",
    "account_number": "12XXXXX1234",
    "ifsc_code": "HDFC0001234",
    "account_holder_name": "John Doe",
    "account_type": "SAVINGS",
    "name": "HDFC Bank",
    "iban": null,
    "bic": null,
    "validation_status": "PENDING",
    "routing_type": "IFSC",
    "created_at": "2024-01-01T00:00:00Z",
    "updated_at": "2024-01-01T00:00:00Z",
    "message": ""
  }
}

created_at/updated_at here are ISO 8601 date strings — unlike wallet-transaction endpoints, which use epoch milliseconds. Save bank_id for the sell step.

Indian bank accounts go to validation_status: PENDING and are validated asynchronously via penny-drop: Saber sends ₹1 to the account to confirm it exists, then fuzzy-matches the fetched account holder name against the user’s KYC legal_name. The account is only marked APPROVED if the names match; otherwise it’s NAME_REJECTED.

A user can have up to 4 APPROVED bank accounts at any point in time (error 304012 when exceeded).

Transaction

Min ₹100 per transaction; max depends on the user’s assigned limits (see User Limits & EDD below). payment_method: bank_transfer resolves internally to one of:

IMPS — for amounts from ₹100 up to ₹5,00,000. Instant, no cut-off times.
NEFT / RTGS — for amounts above ₹5,00,000. Manual processing, ~12 hour SLA, operates 10 AM–6 PM IST. Support over weekends and public holidays may be limited.

Two variants, both requiring a quote first — a Live Quote (informational, executes at market rate regardless) or a Locked Quote (rate held ~30-60s, supplied as quote_id in the sell request):

Pool Sell (recommended)
External Sell

Get an informational quote:

GET /api/v2/wallet/s/quote?from_currency=USDT&to_currency=INR&from_amount=100

{
  "success": true,
  "data": {
    "from_currency": "USDT",
    "to_currency": "INR",
    "from_amount": 100,
    "pre_fee_to_amount": 8650,
    "to_amount": 8600,
    "base_price": 86.5,
    "final_price": 86,
    "total_fee": 50,
    "fee_currency": "INR",
    "fee_breakup": {
      "platform_fee": 20,
      "network_fee": 0,
      "client_fee": 10,
      "discount": 0,
      "tax_on_fee": 20,
      "tds": 0
    }
  }
}

Then create the sell:

POST /api/v2/wallet/transaction/pool/sell

{
  "source_id": "<bank_id>",
  "fiat_symbol": "INR",
  "crypto_symbol": "USDT",
  "crypto_amount": 25,
  "payment_method": "bank_transfer"
}

Response:

{
  "success": true,
  "data": {
    "id": "07825d5d-1879-4cc7-a87f-f5ed45ee391b",
    "transaction_type": "POOL_SELL",
    "status": "PROCESSING",
    "fiat_amount": 2160.5,
    "crypto_amount": 25,
    "fiat_symbol": "INR",
    "crypto_symbol": "USDT",
    "exchange_rate": 86.42,
    "failure_code": "",
    "failure_desc": "",
    "created_at": 1774343695000,
    "user_id": "65d246fc-6a5b-43d7-89bf-944e95ff2279"
  }
}

Generate a locked quote (expires in ~30-60s):

GET /api/v2/wallet/w/quote?from_currency=USDT&to_currency=INR&network=BSC&from_amount=10

{
  "success": true,
  "data": {
    "from_currency": "USDT",
    "to_currency": "INR",
    "network": "BSC",
    "from_amount": 10,
    "pre_fee_to_amount": 863.2,
    "to_amount": 863.2,
    "base_price": 86.32,
    "final_price": 86.32,
    "total_fee": 0,
    "fee_currency": "INR",
    "fee_breakup": {
      "platform_fee": 0,
      "network_fee": 0,
      "client_fee": 0,
      "discount": 0,
      "tax_on_fee": 0,
      "tds": 0
    },
    "other_details": {
      "fiat_settlement_time": { "min": 0, "max": 1, "unit": "HOURS" }
    },
    "transaction_type": "EXTERNAL_SELL",
    "id": "0c6ad6d3-6902-4a27-a30f-c176456a0835",
    "expiry": "2026-03-25T09:42:14.321113044Z",
    "settlement_expiry": "2026-03-25T10:41:44.321113044Z",
    "created_at": "2026-03-25T09:41:44.318189513Z",
    "updated_at": "2026-03-25T09:41:44.318189595Z"
  }
}

Save id from the response as quote_id, then create the sell:

POST /api/v2/wallet/transaction/crypto/sell

{
  "payment_method": "bank_transfer",
  "network": "BSC",
  "destination_instrument_id": "<bank_id>",
  "quote_id": "<quote_id>",
  "sender_wallet_address": "0x318d2aae4c99c2e74f7b5949fa1c34df837789b8",
  "refund_wallet_address": "0x318d2aae4c99c2e74f7b5949fa1c34df837789b8"
}

Response:

{
  "success": true,
  "data": {
    "id": "01992e48-db7d-7c55-bb87-6f4e1abf5fe3",
    "status": "CREATED",
    "fiat_symbol": "INR",
    "crypto_symbol": "USDT",
    "fiat_amount": 863.2,
    "crypto_amount": 10,
    "payment_method": "bank_transfer",
    "deposit_crypto_address": "0xabcdef1234567890abcdef1234567890abcdef12",
    "deposit_network": "BSC",
    "destination_instrument_id": "a4680ba9-5ac6-4629-9493-2a88b160cd33",
    "refund_wallet_address": "0x318d2aae4c99c2e74f7b5949fa1c34df837789b8",
    "refund_network": "",
    "refund_tag": "",
    "sender_wallet_address": "0x318d2aae4c99c2e74f7b5949fa1c34df837789b8",
    "created_at": 1757418150839,
    "updated_at": 1757418150841
  }
}

Then fund deposit_crypto_address on-chain within the settlement expiry, and confirm it:

POST /api/v2/wallet/transaction/crypto/sell/{id}/confirm-onchain-funding

{ "transaction_hash": "0x1234567890abcdef" }

This returns 202 Accepted, not 200 — Saber verifies the deposit asynchronously.

{
  "success": true,
  "data": {
    "id": "01992e48-db7d-7c55-bb87-6f4e1abf5fe3",
    "status": "CREATED",
    "transaction_hash": "0x1234567890abcdef",
    "fiat_symbol": "INR",
    "crypto_symbol": "USDT"
  }
}

Payouts to NRE accounts

Paying out to an NRE (Non-Resident External) bank account uses the same transaction flow with a few additional conditions — see Traditional Rails.

Checking status

GET /api/v2/wallet/transaction?transaction_type={POOL_SELL|EXTERNAL_SELL}&transaction_id={id}

Transaction Type	Possible `status` values
Pool Sell	`CREATED`, `PROCESSING`, `COMPLETED`, `FAILED`, `CANCELLED`, `APPROVAL_REQUIRED`, `SOURCE_INVALID`, `VERIFICATION_PENDING`, `REFUND_INITIATED`, `REFUND_COMPLETED`
External Sell	`CREATED`, `PAYMENT_INITIATED`, `FUNDS_RECEIVED`, `COMPLETED`, `FAILED`, `REFUND_INITIATED`, `REFUND_COMPLETED`, `REFUND_FAILED`

Example status responses

Pool Sell:

{
  "success": true,
  "data": {
    "transaction_type": "POOL_SELL",
    "status": "COMPLETED",
    "created_at": 1742207345000,
    "updated_at": 1742207346000,
    "id": "0195a3a6-62c2-766b-b984-7f9f1754b3f1",
    "crypto_symbol": "USDT",
    "fiat_symbol": "INR",
    "exchange_rate": 84.56973573047619,
    "crypto_amount": 21,
    "fiat_amount": 1775.96445034,
    "bank_transaction_id": "1234",
    "source_id": ""
  }
}

External Sell:

{
  "success": true,
  "data": {
    "id": "01992e48-db7d-7c55-bb87-6f4e1abf5fe3",
    "transaction_type": "EXTERNAL_SELL",
    "status": "FUNDS_RECEIVED",
    "created_at": 1757418150839,
    "updated_at": 1757418150841,
    "crypto_symbol": "USDT",
    "fiat_symbol": "INR",
    "crypto_amount": 0.695712,
    "fiat_amount": 55.38,
    "deposit_crypto_address": "0xabcdef1234567890abcdef1234567890abcdef12",
    "deposit_network": "BSC",
    "destination_instrument_id": "a4680ba9-5ac6-4629-9493-2a88b160cd33",
    "bank_transaction_id": "",
    "source_id": ""
  }
}

Poll until the status reaches a terminal state, or configure a webhook URL to receive completion pushes instead — see Order Lifecycle and Webhooks.

User limits and EDD

Each user has a lifetime transaction limit (currently $200,000 USD equivalent — this figure is suggestive and subject to change; confirm current limits with Saber). Once a user’s limit is breached, no further transactions can be created until Enhanced Due Diligence (EDD) is completed to raise it. EDD is completed via the EDD Hosted Widget, with a turnaround time of 2-3 working days.

Getting Started

Client Admin Operations

Offramp

Onramp

User Operations

Payouts to NRE accounts

Checking status

User limits and EDD

Traditional Rails (NRE Payouts)

Offramp Operations

User KYC

Bank Account

​Payouts to NRE accounts

​Checking status

​User limits and EDD

​Related pages

Traditional Rails (NRE Payouts)

Offramp Operations

User KYC

Bank Account

Payouts to NRE accounts

Checking status

User limits and EDD

Related pages