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

# Cash disbursements

> Pay out from a digital wallet to physical cash at retail counters or ATMs.

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

***

## How it works

<div style={{border:"1px solid #C8CFE1",borderRadius:"12px",overflow:"hidden",marginBottom:"24px"}}>
  <div style={{background:"linear-gradient(180deg,#EAE4F5 0%,#F6F3FB 100%)",borderBottom:"1px solid #D5C4F2",padding:"10px 16px",fontSize:"11px",fontWeight:"700",color:"#670DE5",letterSpacing:"0.06em",textTransform:"uppercase"}}>Cash disbursement flow</div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>1</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>POST /quotes (USDC → USD/cash)</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>2</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{fontSize:"13px",color:"#141635",marginLeft:"4px"}}>Reviews fee breakdown, confirms withdrawal</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>3</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontSize:"13px",color:"#141635",marginLeft:"4px"}}>Pulls USDC from wallet, issues time-limited pickup code</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>4</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Show pickup code + nearest retail location</span>
  </div>

  <div style={{padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>5</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Retail</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Present code, collect cash</span>
  </div>
</div>

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.

***

## 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

***

<Note>
  Cash disbursements are under active development and not yet available in the OMS API. To be notified when it launches, register your interest.

  <Card title="Register interest" icon="envelope" href="https://info.polygon.technology/get-early-access?utm_source=docs&utm_medium=card&utm_campaign=oms_access">
    Share your use case and we'll reach out when cash disbursements are available.
  </Card>
</Note>