Withdraw Fiat

{
  "status": true,
  "message": "Successful",
  "data": {
    "id": "db53c3ef-5643-4f98-92cf-d02aef300f45",
    "reference": "WD-20260303-001",
    "senderAddress": "0x969838345E5cd5F755DfcADB57e72F5d23271e48",
    "recipientAddress": "0x30F6A8457F8E42371E204a9c103f2Bd42341dD0F",
    "tokenAddress": "0x46C85152bFe9f96829aA94755D9f915F9B10EF5F",
    "amount": "1000",
    "amountPaid": "1000",
    "amountUSD": "0.68",
    "rateUSD": "0.00068",
    "fee": "2",
    "currency": "NGN",
    "toAmount": "1000.00",
    "toCurrency": "NGN",
    "status": "PENDING",
    "processingStatus": "PENDING",
    "processingProviderReference": null,
    "processingReason": null,
    "type": "OFFRAMP",
    "createdChannel": "api",
    "network": "mainnet",
    "chainId": null,
    "note": "March payroll payout",
    "metadata": {
      "source": "payroll",
      "initiatedBy": "treasury-bot"
    },
    "beneficiary": {
      "id": "4dd8d16e-8550-4f51-84a1-60df9c608c5d",
      "name": "JOHN DOE",
      "type": "FIAT",
      "isActive": true,
      "institutionIdentifier": "OPAYNGPC",
      "institutionAccountIdentifier": "8034007516",
      "currency": "NGN"
    }
  }
}

{
  "event": "offramp.processing",
  "data": {
    "id": "d2b985da-7f7e-4494-a6bc-0e675d50eed3",
    "reference": "EVF2g9X70Sj4hoX3ma8l",
    "senderAddress": "0x969838345E5cd5F755DfcADB57e72F5d23271e48",
    "tokenAddress": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
    "amount": "0.5",
    "amountPaid": "0.5",
    "amountUSD": "0.4998",
    "rateUSD": "0.9996",
    "fee": "0",
    "feeUSD": null,
    "currency": "USD",
    "toCurrency": "NGN",
    "status": "PROCESSING",
    "processingStatus": "SUCCESS",
    "processingProviderReference": "0x25003cb8356c92e3c296e7dd384ead681c5f57fb6182760fa4178750464ffd35",
    "processingReason": null,
    "type": "OFFRAMP",
    "createdChannel": "api",
    "network": "mainnet",
    "chainId": 8453,
    "metadata": null,
    "toAmount": "711.21",
    "rate": "1422.42",
    "beneficiary": {
      "id": "4dd8d16e-8550-4f51-84a1-60df9c608c5d",
      "name": "JOHN DOE",
      "type": "FIAT",
      "isActive": true,
      "reference": "d7dd5c7cf57acb5e2ff62eb23bceaca84d5dad6e62fec3d3836f20cfa1ea735c",
      "institutionIdentifier": "OPAYNGPC",
      "institutionAccountIdentifier": "8030303030",
      "currency": "NGN"
    }
  }
}

async function executeFiatWithdrawal({
  walletId,
  currency,
  accountIdentifier,
}) {
  const apiKey = process.env.BLOCKRADAR_API_KEY;
  const baseUrl = "https://api.blockradar.co/v1";
  const headers = { "x-api-key": apiKey };

  // Step 1: Get supported assets
  const assetsRes = await fetch(
    `${baseUrl}/wallets/${walletId}/withdraw/fiat/assets`,
    { headers },
  ).then((r) => r.json());

  // Pick the first asset (example)
  const assetId = assetsRes.data?.[0]?.asset?.id;

  // Step 2: Get supported currencies
  const currenciesRes = await fetch(
    `${baseUrl}/wallets/${walletId}/withdraw/fiat/currencies`,
    { headers },
  ).then((r) => r.json());

  console.log("Supported currencies:", currenciesRes.data);

  // Step 3: Get institutions for the currency
  const institutionsRes = await fetch(
    `${baseUrl}/wallets/${walletId}/withdraw/fiat/institutions?currency=${currency}`,
    { headers },
  ).then((r) => r.json());

  // Pick the first institution (example)
  const institutionIdentifier = institutionsRes.data?.[0]?.code;

  // Step 4: Verify account
  const verification = await fetch(
    `${baseUrl}/wallets/${walletId}/withdraw/fiat/institution-account-verification`,
    {
      method: "POST",
      headers: {
        ...headers,
        "Content-Type": "application/json",
      },
      body: JSON.stringify({
        accountIdentifier,
        currency,
        institutionIdentifier,
      }),
    },
  ).then((r) => r.json());

  console.log("Account name:", verification.data?.accountName);

  // Step 5: Get exchange rate (optional)
  const amount = "1000";
  const ratesRes = await fetch(
    `${baseUrl}/wallets/${walletId}/withdraw/fiat/rates?currency=${currency}&assetId=${assetId}&amount=${amount}`,
    { headers },
  ).then((r) => r.json());

  console.log("Rate:", ratesRes.data);

  // Step 6: Get quote
  const quote = await fetch(
    `${baseUrl}/wallets/${walletId}/withdraw/fiat/quote`,
    {
      method: "POST",
      headers: {
        ...headers,
        "Content-Type": "application/json",
      },
      body: JSON.stringify({
        assetId,
        amount,
        currency,
        accountIdentifier,
        institutionIdentifier,
      }),
    },
  ).then((r) => r.json());

  console.log("Estimated arrival:", quote.data?.estimatedArrivalTime);
  console.log("Network fee:", quote.data?.networkFee);

  // Step 7: Execute (after user confirmation)
  const execution = await fetch(
    `${baseUrl}/wallets/${walletId}/withdraw/fiat/execute`,
    {
      method: "POST",
      headers: {
        ...headers,
        "Content-Type": "application/json",
      },
      body: JSON.stringify({
        assetId,
        amount,
        currency,
        accountIdentifier,
        institutionIdentifier,
        reference: "WD-20260303-001",
        metadata: { source: "payroll", initiatedBy: "treasury-bot" },
        note: "March payroll payout",
      }),
    },
  ).then((r) => r.json());

  console.log("Withdrawal initiated:", execution.data?.id);
  console.log("Status:", execution.data?.status);

  // Step 8: Listen for webhook to confirm completion
  return execution.data;
}

// Usage
executeFiatWithdrawal({
  walletId: "wallet-uuid",
  currency: "NGN",
  accountIdentifier: "0023103996",
});