send_bank_payment
Send dollars to a bank account
Pay USDC to send dollars to a bank account by ACH. The x402 USDC price is the requested amount plus a 0.25% transfer fee (with a $1.50 minimum fee). On-chain payment credits the calling wallet's Laso account balance via the standard deposit webhook; the callable then debits the gross amount and queues the transfer.
A bank destination is required first. destination_id comes from the banking callables: create the banking profile with createBankingProfile, register who is being paid with createBankingRecipient, and attach their bank account with addBankingDestination, which returns the id. List what you already have at GET /bank-recipients (free). See the bank accounts guide for the full setup.
Identity verification is required on the account that owns the banking profile, and only the human owner can complete it. createBankingProfile hands back a kycUrl when it is outstanding.
If the payout cannot be fulfilled (no approved banking profile, a destination that is not yours, an amount out of range), nothing is stranded: the USDC you paid has already credited your account balance. Fix the problem and retry, or recover it with POST /withdraw.
Settlement: ACH, normally 1-2 business days. Follow it with listBankingTransactions / getBankingTransaction.
Fee: 0.25% with a $1.50 minimum (included in the USDC price).
PAID ROUTE (11.50-10025 USD): the x402 USDC price is paid automatically from your managed agent wallet. Make sure the wallet exists and is funded first (get_agent_wallet).
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| amount | Yes | USD delivered to the recipient's bank account (min $10, max $50,000). The x402 payment price is this amount plus a 0.25% fee (with a $1.50 minimum). | |
| auth_token | No | Laso credential. Only if the MCP connection has no Authorization header. | |
| destination_id | Yes | Bank destination to pay out to. Returned by `addBankingDestination`, and listed by `GET /bank-recipients`. |