Documentation

Messaging-Based Payouts

Recipients receive payout notifications through:

• WhatsApp
• Email

The recipient opens the payout link and selects how to receive their funds. This removes the need for recipients to install additional applications.

Payout Methods

Decaf supports multiple payout rails depending on the recipient's location. Recipients choose their preferred withdrawal method after receiving a payout notification.

Supported payout methods include:

Cash Pickup

Recipients can withdraw funds in cash through global cash networks. Currently supported via the MoneyGram network.

1. Platform creates payout
2. Recipient receives notification
3. Recipient selects cash pickup
4. Decaf generates reference code
5. Recipient visits agent location
6. Recipient receives cash

Virtual Visa Card

Recipients can receive funds instantly on a virtual Visa card.

Cards can be used for

• Online purchases
• Mobile wallet payments (Apple Pay / Google Pay)
• Anywhere Visa is accepted worldwide

Flow

1. Platform creates payout
2. Recipient receives notification
3. Recipient selects virtual card
4. Decaf provisions the card
5. Funds become available instantly

Bank Transfers

Recipients can withdraw funds directly to their bank accounts.

Coverage

1. United States
2. Europe / SEPA (covers 36 European countries)
3. LATAM (7 countries): Mexico, Colombia, Argentina, Brazil, Dominican Republic, Bolivia, and Chile.

Flow

1. Platform creates payout
2. Recipient receives notification
3. Recipient selects bank transfer
4. Recipient provides bank details
5. Decaf processes transfer through local rails

Wallet Transfers

1. Platform creates payout
2. Recipient receives notification
3. Recipient provides wallet address
4. Funds are transferred on-chain