PHP Offramp

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

Both USDT and USDC are supported for PHP offramp.

Create User

POST /api/v2/user

{
  "email": "user@example.com",
  "phone": "+639171234567"
}

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

PHP supports two KYC methods:

KYC Sharing
KYC Widget

POST /api/v2/user/kyc

Headers: X-User-Id: <user_id>

{
  "legal_name": "Juan dela Cruz",
  "poi": "<proof-of-identity-document-id>",
  "poa": "<proof-of-address-document-id>",
  "dob": "1990-01-31",
  "email": "user@example.com",
  "phone": "+639171234567",
  "country_iso3": "PHL"
}

Response:

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

Saber may request supporting KYC documents 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

First, fetch the list of supported banks and their codes. This lookup only works for PHL — it returns an error for any other country:

GET /api/v2/user/bank_account/bank-codes/PHL

{
  "success": true,
  "data": {
    "BDO Unibank": "BDO",
    "Bank of the Philippine Islands": "BPI",
    "Metropolitan Bank and Trust Company": "MBTC",
    "Land Bank of the Philippines": "LBP"
  }
}

data is a flat map of bank name to bank_code — pass the code as-is into bank_code below.

POST /api/v2/user/bank_account

Headers: X-User-Id: <user_id>

{
  "account_number": "123456789012",
  "account_holder_name": "Juan dela Cruz",
  "bank_code": "BDO",
  "bank_name": "BDO Unibank",
  "bank_bic": "BOPIPHMM",
  "country": "PHL"
}

For the Philippines, account_number (no spaces) and account_holder_name are required, plus at least one of bank_code or swift_code; bank_name is accepted alongside them.Response:

{
  "success": true,
  "data": {
    "bank_id": "550e8400-e29b-41d4-a716-446655440000",
    "account_number": "1234XXXX9012",
    "ifsc_code": "",
    "account_holder_name": "Juan dela Cruz",
    "account_type": null,
    "name": "BDO Unibank",
    "iban": null,
    "bic": null,
    "validation_status": "PENDING",
    "routing_type": null,
    "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.

Unlike India, PHP bank accounts are approved instantly — there’s no penny-drop step.

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

Transaction

Min ₱60 (~$1) per transaction; max depends on the user’s assigned limits (see User Limits & EDD below). payment_method: bank_transfer resolves internally to one of:

InstaPay — for amounts up to ₱50,000. Instant, no cut-offs. Banking fee: ₱8.
SwiftPay PESONet — for amounts above ₱50,000. T+1 settlement on working days. Banking fee: ₱4.

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=PHP&from_amount=100

{
  "success": true,
  "data": {
    "from_currency": "USDT",
    "to_currency": "PHP",
    "from_amount": 100,
    "pre_fee_to_amount": 5650,
    "to_amount": 5600,
    "base_price": 56.5,
    "final_price": 56,
    "total_fee": 50,
    "fee_currency": "PHP",
    "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": "PHP",
  "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": 1410.5,
    "crypto_amount": 25,
    "fiat_symbol": "PHP",
    "crypto_symbol": "USDT",
    "exchange_rate": 56.42,
    "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=PHP&network=BSC&from_amount=10

{
  "success": true,
  "data": {
    "from_currency": "USDT",
    "to_currency": "PHP",
    "network": "BSC",
    "from_amount": 10,
    "pre_fee_to_amount": 563.2,
    "to_amount": 563.2,
    "base_price": 56.32,
    "final_price": 56.32,
    "total_fee": 0,
    "fee_currency": "PHP",
    "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": "PHP",
    "crypto_symbol": "USDT",
    "fiat_amount": 563.2,
    "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": "PHP",
    "crypto_symbol": "USDT"
  }
}

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": "PHP",
    "exchange_rate": 56.4,
    "crypto_amount": 21,
    "fiat_amount": 1184.4,
    "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": "PHP",
    "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

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