> ## Documentation Index
> Fetch the complete documentation index at: https://guides.saber.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Traditional Rails

> Pay out INR to first-party NRE bank accounts in India over traditional banking rails.

Saber supports INR payouts to **NRE (Non-Resident External) bank accounts** in India over traditional banking rails — funds are routed through compliant banking infrastructure rather than on-chain settlement. The payout flow is otherwise the same as a standard [INR Offramp](/offramp/currencies/inr) transaction, with a few conditions specific to NRE accounts.

<Info>
  Both USDT and USDC are supported for NRE payouts.
</Info>

## Key considerations

<Warning>
  NRE payouts are currently supported only for **first-party transactions** — third-party payouts to savings accounts aren't supported yet.
</Warning>

* **KYC Sharing only** — this flow only works for users onboarded via KYC Sharing; other KYC methods aren't currently compatible. See [KYC Sharing](/user/kyc/sharing).
* **`is_nre` flag** — only bank accounts with `is_nre: true` and `status: APPROVED` are eligible. This flag is available on the Get User API (within the bank object) and the Get Bank Account API.
* **Address required** — the user's address must be populated during KYC for NRE eligibility.

## Limits

Same min (₹100) and max (per assigned limits) as standard INR payouts — see [INR Offramp](/offramp/currencies/inr).

## Getting pricing for NRE payouts

Call the **Sell Quote API** with the bank account UUID in the optional `payment_instrument_id` field:

* **NRE account** → NRE (traditional-rails) pricing is returned.
* **Non-NRE account** → standard stablecoin pricing is returned.

This lets you use a single quote flow for all users, with pricing resolved automatically by destination account type.

```http theme={null}
GET /api/v2/wallet/s/quote?from_currency=USDT&to_currency=INR&from_amount=100&payment_instrument_id=<nre_bank_account_id>
```

## Initiating an NRE payout

Use the existing transaction APIs — `SELL`, `POOL SELL`, or `EXTERNAL SELL`.

<Tabs>
  <Tab title="SELL / POOL SELL">
    ```json theme={null}
    {
      "source_id": "<nre_bank_account_id>",
      "is_first_party": true
    }
    ```
  </Tab>

  <Tab title="EXTERNAL SELL">
    ```json theme={null}
    {
      "destination_instrument_id": "<nre_bank_account_id>",
      "is_first_party": true
    }
    ```
  </Tab>
</Tabs>

<Note>
  `source_id` / `destination_instrument_id` must be the bank account ID of an approved NRE account, and `is_first_party` must be `true`.
</Note>

## Transaction lifecycle

Unchanged — status tracking, webhooks, error handling, and reconciliation follow the same [Order Lifecycle and Webhooks](/offramp/operations/lifecycle) as any other INR offramp transaction.

## Related pages

<CardGroup cols={2}>
  <Card title="INR Offramp" icon="indian-rupee-sign" href="/offramp/currencies/inr" cta="View guide" arrow="true" />

  <Card title="User KYC" icon="id-card" href="/user/kyc/overview" cta="View guide" arrow="true" />
</CardGroup>


## Related topics

- [INR Offramp](/offramp/currencies/inr.md)
- [Overview](/offramp/overview.md)
- [Fetching Quote](/offramp/operations/quote.md)
- [Frequently Asked Questions](/faq.md)