NPR Offramp

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

First-party only. The payout bank account must belong to the KYC-verified user. User-wallet Sell is not supported yet; use Pool Sell or External Sell. Token/network availability should be confirmed for this corridor.

Create User

POST /api/v2/user

{
  "email": "user@example.com",
  "phone": "+9779841234567"
}

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

POST /api/v2/user/kyc

Header: X-User-Id: <user_id>

{
"legal_name": "Suman Shrestha",
"poa": "POA-123e4e334222323223",
"poi": "POI-1233e3422223423141",
"country_iso3": "NPL",
"dob": "1990-05-01",
"gender": "M",
"occupation": "SALARIED_EMPLOYEE",
"income": "100000",
"address": "Ward 10, New Baneshwor, Kathmandu",
"line1": "Ward 10, New Baneshwor, Kathmandu",
"state": "Bagmati Province",
"city": "Kathmandu",
"postal_code": "44600",
"source_of_funds": "SALARY",
"birth_country": "NPL",
"nationality": "NPL",
"proof_of_identity": {
"document_type": "PASSPORT",
"issue_date": "2019-01-02",
"expiry_date": "2035-12-31",
"issuing_country": "NPL"
},
"proof_of_address": {
"document_type": "NATIONAL_ID",
"issue_date": "2018-03-04",
"expiry_date": "2035-06-07",
"issuing_country": "NPL"
}
}

poa and poi may reference the same document. address and line1 should match. gender, occupation, income, state, postal_code, source_of_funds and document issue/expiry dates are optional according to the supplied specification. All personal data above is illustrative.

Bank Account Linkage

POST /api/v2/user/bank_account

Header: X-User-Id: <user_id>

{
"account_holder_name": "Suman Shrestha",
"account_number": "123456789012",
"bank_bic": "NIBLNPKT",
"routing_type": "bank_code",
"country": "NPL"
}

Field	Description
`account_holder_name`	Must match KYC legal name; first-party payouts only
`account_number`	Beneficiary bank account number
`bank_bic`	SWIFT / BIC code
`routing_type`	`bank_code`
`country`	`NPL`

The account number is illustrative. Confirm whether the API also requires a separate bank_code field; its value format has not been supplied. Save the returned bank_id for the sell request.

Transaction

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=NPR&from_amount=100

Then create the sell:

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

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

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

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

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"
}

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.

Payment rail: bank_transfer, all banks, up to NPR 1,000,000 per bank payout, with real-time processing. The sample API inputs are illustrative and do not override the limit.

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`

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

Bank payouts: All banks; maximum NPR 1,000,000 per payout; real-time processing (subject to banking and operational conditions). The minimum payout amount is USD 1 equivalent; separate user-level limits may apply. eSewa wallet payouts: the payout rail lists a maximum of NPR 150,000 with real-time processing, but wallet payouts are not live yet in Saber. Do not integrate or initiate wallet payouts until launch is confirmed. Use Get User Limits for current user-level limits. 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

Checking status

User limits and EDD

Offramp Operations

User KYC

Bank Account

​Checking status

​User limits and EDD

​Related pages

Offramp Operations

User KYC

Bank Account

Checking status

User limits and EDD

Related pages