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

# FedNow / RTP bank withdrawal via the REST API

> Send near-instant USD withdrawals via FedNow and RTP using the Uphold REST API, including verifying the destination bank's support for these rails.

This guide walks you through the steps to support FedNow / RTP withdrawals using the REST API — from verifying the destination bank supports FedNow / RTP to monitoring for settlement.

## Prerequisites

* The user has [completed onboarding](/developer-guides/user-onboarding/overview) and has the required capabilities enabled.

<Note>FedNow withdrawals incur an additional fee. Make sure to present the quote to the user for confirmation before creating the transaction.</Note>

## Walkthrough

```mermaid theme={null}
sequenceDiagram
  autonumber
  participant Usr as User
  participant U as Your App
  participant B as Your Backend
  participant A as Uphold
  participant F as Bank

  Usr->>U: Start withdrawal
  U->>B: Find bank account
  B->>A: GET /core/external-accounts
  A-->>B: { externalAccounts }
  B-->>U: { externalAccounts }
  Usr->>U: Select bank account
  opt No eligible bank account
    U->>B: Link bank account
    B->>A: Create external account
    A-->>B: { externalAccount }
  end
  U->>B: Request quote
  B->>A: Create quote (network: fednow)
  A-->>B: { quote }
  B-->>U: { quote }
  Usr->>U: Confirm quote
  U->>B: Create transaction
  B->>A: Create transaction
  A-->>B: { transaction }
  A-->>B: webhook: transaction.created (processing)
  A->>F: Submit FedNow transfer
  F-->>A: Settlement confirmed
  A-->>B: webhook: transaction.status-changed (completed/failed)
  B-->>Usr: Notify the user
```

***

## Check available rails

Call [List Rails](/rest-apis/core-api/assets/list-rails) to confirm the FedNow rail has the `withdraw` feature enabled.

```http theme={null}
GET /core/rails?type=bank&network=fednow&asset=USD
```

```json theme={null}
{
  "rails": [
    {
      "type": "bank",
      "network": "fednow",
      "method": "bank-transfer",
      "asset": "USD",
      "decimals": 2,
      "features": [
        "deposit",
        "withdraw"
      ]
    }
  ]
}
```

## Select source account

FedNow withdrawals can be sourced from any account. If the selected account is not in USD, the balance will be converted at the time of the transaction using Uphold's prevailing rate. Make sure the origin asset has the necessary [features enabled](/rest-apis/core-api/assets/introduction#features-and-deposits-/-withdrawals).

Call [List accounts](/rest-apis/core-api/accounts/list-accounts) to retrieve the user's accounts and let them pick the one to withdraw from.

```http theme={null}
GET /core/accounts
```

```json theme={null}
{
  "accounts": [
    {
      "id": "a00507fe-628c-4f27-ae81-e1c40b2a8fb8",
      "ownerId": "e4ce04dc-67b7-4e9f-af91-482cb6f9fc4a",
      "label": "My USD account",
      "asset": "USD",
      "balance": {
        "total": "500.00",
        "available": "500.00"
      }
    }
  ]
}
```

## Select a bank account

The destination bank account must support FedNow or RTP, indicated by `"fednow"` in `secondaryNetworks`. Select an existing eligible account or add a new one.

### Find an existing bank account

Call [List external accounts](/rest-apis/core-api/external-accounts/list-external-accounts) and filter for accounts with `type: "bank"`. If no eligible account exists, proceed to link one.

```http theme={null}
GET /core/external-accounts
```

Make sure the selected account has `status: "ok"`, `"withdraw"` in `features`, and `"fednow"` in `secondaryNetworks`.

```json theme={null}
{
  "externalAccounts": [
    {
      "id": "bb7f7fab-9e84-5a8e-9389-1458f56ac79",
      "type": "bank",
      "status": "ok",
      "network": "ach",
      "label": "My USD Checking Account",
      "features": [
        "withdraw"
      ],
      "secondaryNetworks": ["fednow"]
    }
  ]
}
```

### Link a new bank account

If no eligible account exists, add one by calling [Create external account](/rest-apis/core-api/external-accounts/create-external-account) with the user's bank details. The `secondaryNetworks` field in the response will confirm whether the bank supports FedNow or RTP.

```http theme={null}
POST /core/external-accounts
{
  "type": "bank",
  "asset": "USD",
  "network": "ach",
  "label": "My USD Checking Account",
  "details": {
    "routingNumber": "121000248",
    "accountNumber": "9876543210",
    "accountType": "checking",
    "address": {
      "country": "US",
      "subdivision": "US-CA",
      "city": "San Francisco",
      "line1": "123 Main Street",
      "postalCode": "94102"
    }
  }
}
```

```json theme={null}
{
  "externalAccount": {
    "id": "bb7f7fab-9e84-5a8e-9389-1458f56ac79",
    "type": "bank",
    "status": "ok",
    "network": "ach",
    "label": "My USD Checking Account",
    "features": [
      "withdraw"
    ],
    "secondaryNetworks": ["fednow"]
  }
}
```

<Note>If `secondaryNetworks` does not include `"fednow"`, the destination bank does not support FedNow or RTP. Use ACH instead.</Note>

## Create a quote

Create a quote with [Create quote](/rest-apis/core-api/transactions/create-quote). Pass `network: "fednow"` on the destination node to route the transfer via FedNow.

```http theme={null}
POST /core/transactions/quote
{
  "origin": {
    "type": "account",
    "id": "a00507fe-628c-4f27-ae81-e1c40b2a8fb8"
  },
  "destination": {
    "type": "external-account",
    "id": "bb7f7fab-9e84-5a8e-9389-1458f56ac79",
    "network": "fednow"
  },
  "denomination": {
    "asset": "USD",
    "amount": "500.00",
    "target": "origin"
  }
}
```

The response includes the fees for the FedNow transfer. Present the full quote to the user before proceeding.

```json [expandable] theme={null}
{
  "quote": {
    "id": "734111d9-ace0-5b3c-bb4e-7b7b55b8a7b1",
    "origin": {
      "amount": "500.00",
      "asset": "USD",
      "node": {
        "type": "account",
        "id": "a00507fe-628c-4f27-ae81-e1c40b2a8fb8",
        "ownerId": "e4ce04dc-67b7-4e9f-af91-482cb6f9fc4a"
      },
      "rate": "1"
    },
    "destination": {
      "amount": "500.00",
      "asset": "USD",
      "node": {
        "type": "external-account",
        "id": "bb7f7fab-9e84-5a8e-9389-1458f56ac79",
        "ownerId": "e4ce04dc-67b7-4e9f-af91-482cb6f9fc4a",
        "network": "fednow"
      },
      "rate": "1"
    },
    "denomination": {
      "asset": "USD",
      "amount": "500.00",
      "target": "origin",
      "rate": "1"
    },
    "fees": [],
    "expiresAt": "2024-07-24T15:22:39Z"
  }
}
```

<Info>Quotes typically **expire** quickly. Prompt for user confirmation within the expiry window and requote if needed.</Info>

## Confirm and create transaction

After the user confirms the withdrawal, call [Create transaction](/rest-apis/core-api/transactions/create-transaction) with the quote ID to execute the transfer.

```http theme={null}
POST /core/transactions
{
  "quoteId": "734111d9-ace0-5b3c-bb4e-7b7b55b8a7b1"
}
```

In a successful FedNow / RTP withdrawal, the origin is the user's `account` and the destination is the `external-account` representing the user's bank. The transaction status is initially `processing` and updates to `completed` once the transfer settles.

```json [expandable] theme={null}
{
  "transaction": {
    "id": "e4f5a6b7-2c3d-4e6f-a09b-8c7d6e5f4a3c",
    "origin": {
      "asset": "USD",
      "amount": "500.00",
      "node": {
        "type": "account",
        "id": "a00507fe-628c-4f27-ae81-e1c40b2a8fb8",
        "ownerId": "e4ce04dc-67b7-4e9f-af91-482cb6f9fc4a"
      }
    },
    "destination": {
      "asset": "USD",
      "amount": "500.00",
      "node": {
        "type": "external-account",
        "id": "bb7f7fab-9e84-5a8e-9389-1458f56ac79",
        "ownerId": "e4ce04dc-67b7-4e9f-af91-482cb6f9fc4a",
        "network": "fednow"
      }
    },
    "status": "processing",
    "quotedAt": "2025-01-10T14:22:15Z",
    "createdAt": "2025-01-10T14:22:45Z",
    "updatedAt": "2025-01-10T14:22:45Z",
    "denomination": {
      "asset": "USD",
      "amount": "500.00",
      "target": "origin"
    }
  }
}
```

## Monitor for settlement

Prefer **webhooks** for real-time updates, or fall back to **polling** if webhooks are not feasible.

* Webhook events (recommended):
  * [core.transaction.created](/rest-apis/core-api/transactions/webhooks/transaction-created)
    * `status: processing` → payout submitted to the bank network
  * [core.transaction.status-changed](/rest-apis/core-api/transactions/webhooks/transaction-status-changed)
    * `status: completed` → funds delivered to the user's bank
    * `status: failed` → irrecoverable error
* Polling (fallback): [Get transaction](/rest-apis/core-api/transactions/get-transaction)

## Notify the user

Display an in-app confirmation when the transaction is `completed`, and send an email if applicable.

<Check>You now support FedNow / RTP withdrawals via the REST API.</Check>