Payout disbursement

A payout disbursement is the end-to-end flow of moving money out of a Core ledger account: triggering the payout, watching it transition through its lifecycle, handling success or failure, and reconciling the ledger. Internal payouts (account-to-account inside Core) settle instantly; external payouts (to Colombian bank accounts) ride Banking's rails and inherit Banking's confirmation timing.

Use this flow whenever a balance becomes due to its owner — a wallet user requests a withdrawal, a marketplace seller's settlement window closes, payroll runs, or a treasury sweep moves funds between internal accounts.

Before you start

You will need:

• A Core API key with the payouts scope.
• A source ledger account with sufficient balance.
• A destination — another ledger account (internal) or a Colombian bank account (external).
• A webhook endpoint subscribed to payout events.
• An idempotency key per disbursement.

Sequence overview

Internal payout

1. Submit the payout with source, destination, amount, and idempotency key.
2. Core posts a balanced ledger transaction.
3. Webhook fires with the final state.

External payout

1. Submit the payout with source, destination bank account, amount, and idempotency key.
2. Core posts a hold on the source account and dispatches the transfer to Banking.
3. Banking routes the transfer (Turbo, ACH, Transfiya) and sends back a confirmation.
4. Core converts the hold into a settlement on success, or releases it on rejection.
5. Webhook fires with the final state.

Steps

The full step-by-step is pending. Until it is published, see:

• Payouts concept page.
• Banking transfers concept page — for external destinations.
• Core payouts API reference.

Next steps

• Ledger accounting
• Banking transfers flow
• Idempotency Keys