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A user has USDC in a wallet and wants physical cash. OMS converts the balance, issues a time-limited pickup code, and the user collects bills at a retail counter or ATM. No bank account on the receiving end. Just a code and cash. This is the complement to cash-in. Together, they form a complete cash loop: accept physical cash into digital wallets, disburse digital balances back to physical cash. Who this is for:
  • US-based fintech apps paying out to customers who prefer cash over ACH or card
  • Remittance recipients receiving funds across cash-dependent corridors
  • Emergency relief platforms distributing payments to recipients without bank accounts
  • Gig economy apps paying workers who prefer cash over bank deposits

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How it works

Cash disbursement flow
1App→OMSPOST /quotes (USDC → USD/cash)
2CustomerReviews fee breakdown, confirms withdrawal
3OMSPulls USDC from wallet, issues time-limited pickup code
4App→CustomerShow pickup code + nearest retail location
5Customer→RetailPresent code, collect cash
The pickup code is time-limited. If the customer doesn’t collect within the window, OMS automatically refunds the USDC to the wallet. Location lookup lets customers find the nearest participating retail partner.

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Planned capabilities

  • Quote-and-confirm flow with fee breakdown before USDC leaves the wallet
  • Time-limited pickup codes with automatic refund on expiry
  • Location lookup by geography
  • Support for US retail networks and ATMs
  • Webhook-driven status tracking
Cash disbursements are under active development and not yet available in the OMS API. To be notified when it launches, register your interest.

Register interest

Share your use case and we’ll reach out when cash disbursements are available.