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

# Withdraw and Off-Ramp Your Tip Stack Earnings to NGN

> Withdraw your Tip Stack earnings to a Solana wallet or convert to NGN (Nigerian naira) via the Pajcash fiat off-ramp directly from your dashboard.

Tip Stack is non-custodial by design: when a supporter pays with SOL or USDC, the funds land directly in your connected Solana wallet — no withdrawal step needed for crypto. For creators who want to convert earnings to Nigerian naira (NGN) and receive a bank transfer, Tip Stack integrates two fiat off-ramp providers: **Pajcash** (USDC → NGN via on-chain transfer) and **FossaPay** (fiat balance → NGN for verified creators). This page explains both paths, the required bank account details, withdrawal statuses, and how to initiate your first NGN payout.

<Warning>
  Fiat withdrawals go through KYC verification. Have your government-issued ID ready before initiating a FossaPay (fiat) withdrawal. KYC is not required for Pajcash (crypto) off-ramp withdrawals.
</Warning>

***

## Crypto withdrawals

Because Tip Stack is non-custodial, **SOL and USDC tips land directly in your connected wallet** the moment they are confirmed on-chain. There is no "withdraw" step for crypto — the funds are already yours.

To check your crypto balance, open your connected wallet app (Phantom, Solflare, etc.) or view the USDC balance shown in your dashboard status bar. You can spend, transfer, or hold these funds exactly as you would any other Solana token.

<Tip>
  If you created a Fossa Pay embedded wallet during onboarding, your wallet address is shown in the dashboard status bar. You can also export or access it through the Fossa Pay wallet interface.
</Tip>

***

## Fiat off-ramp (NGN)

Tip Stack offers two NGN off-ramp routes. Both are available from the **Withdraw** tab of your dashboard.

<Tabs>
  <Tab title="Pajcash (Crypto → NGN)">
    **How it works:** You specify a USD amount to withdraw. Tip Stack fetches a live exchange rate from Pajcash, then constructs a USDC transfer from your wallet to the Pajcash deposit address on-chain. Pajcash receives the USDC and initiates a NGN bank transfer to your account.

    **Who it's for:** Creators whose tips arrive as USDC and want to off-ramp to a Nigerian bank account.

    **KYC required:** Pajcash requires email OTP verification before each withdrawal (not a full ID check). Enter your email when prompted and enter the 6-digit code sent to you. The OTP expires after 5 minutes.

    **Minimum withdrawal:** \$1.00 USD equivalent.
  </Tab>

  <Tab title="FossaPay (Fiat balance → NGN)">
    **How it works:** Tips collected via the NGN fiat checkout flow are credited to a separate fiat balance in your account. FossaPay converts this balance and disburses it as a direct NGN bank transfer.

    **Who it's for:** Creators who receive NGN-denominated fiat tips and want to withdraw to a Nigerian bank account.

    **KYC required:** Full identity verification (government-issued ID) is required to unlock this tab. Your dashboard shows a **Verify Now** banner if KYC is pending.

    **Minimum withdrawal:** \$1.00 USD equivalent.
  </Tab>
</Tabs>

***

## Balance breakdown

The Withdraw tab shows three balance categories:

| Balance type        | Description                                                               |
| ------------------- | ------------------------------------------------------------------------- |
| **Crypto (USDC)**   | USDC collected from crypto tips, available for Pajcash off-ramp.          |
| **Fiat (FossaPay)** | Balance from fiat-originated NGN tips, available for FossaPay withdrawal. |
| **Local (NGN)**     | Displayed when a local NGN balance exists from a prior conversion.        |

The **Total Combined Balance** shows a USD equivalent sum of all three. The minimum withdrawal threshold of \$1.00 applies to this combined figure.

***

## NGN withdrawal flow (Pajcash)

<Steps>
  <Step title="Open the Withdraw tab">
    Go to your dashboard and click **Withdraw** in the sidebar. Make sure the **Crypto** toggle is selected (this routes through Pajcash).
  </Step>

  <Step title="Enter the amount">
    Type the USD amount you want to off-ramp into the amount field. A live rate preview appears showing the NGN equivalent you'll receive at the current Pajcash exchange rate.
  </Step>

  <Step title="Verify your email (OTP)">
    Click **Continue to Payout**. Enter the email address associated with your Pajcash account and click **Send Verification Code**. Check your inbox for a 6-digit OTP and enter it on the next screen. The code expires in 5 minutes.
  </Step>

  <Step title="Enter your bank details">
    Search for your bank by name in the bank selector. Once selected, enter your 10-digit Nigerian account number and click **Validate Account**. Tip Stack resolves and displays the account holder name for confirmation.
  </Step>

  <Step title="Confirm the payout">
    Review the summary screen: bank name, account holder name, withdrawal amount, and NGN payout amount after fees. Click **Confirm Payout** to sign and broadcast the USDC transfer from your wallet on-chain.
  </Step>

  <Step title="Track the status">
    Your withdrawal moves through three statuses: **Pending** (withdrawal initiated) → **Processing** (on-chain transaction confirmed, Pajcash notified) → **Completed** (NGN bank transfer settled). Check your withdrawal history in the Withdraw tab for live status updates.
  </Step>
</Steps>

***

## NGN withdrawal flow (FossaPay)

<Steps>
  <Step title="Complete KYC first">
    Click **Verify Now** in the dashboard KYC banner. Upload a government-issued ID when prompted. Verification typically takes a few minutes.
  </Step>

  <Step title="Switch to the Fiat toggle">
    In the Withdraw tab, click the **Fiat** button in the top-right toggle to switch to FossaPay mode.
  </Step>

  <Step title="Enter the amount and bank details">
    Enter the USD amount to withdraw. Search for your bank, enter your 10-digit account number, and click **Validate Account** to confirm the account holder name.
  </Step>

  <Step title="Confirm the payout">
    Review the summary and click **Confirm Payout**. FossaPay initiates the NGN transfer to your bank account.
  </Step>

  <Step title="Track the status">
    Withdrawals move from **Pending** → **Submitted** → **Completed**. The Withdraw tab shows status badges updated in real time.
  </Step>
</Steps>

***

## Fees

Tip Stack applies a dynamic platform fee at withdrawal time. The fee is calculated as a percentage of the NGN payout amount and varies based on:

* The total withdrawal amount (larger withdrawals attract a lower fee percentage).
* The current NGN/USD exchange rate at the time of withdrawal.

The exact fee is always shown on the confirmation screen before you finalize a withdrawal. A portion of the fee is automatically routed to the Tip Stack treasury; the rest of the NGN amount is credited to your bank account. **Fees are TBD / variable — check the confirmation screen for the current rate before confirming.**

***

## Withdrawal history

Every payout attempt is logged in the withdrawal history table at the bottom of the Withdraw tab. Each row shows:

* **Date** — when the withdrawal was initiated.
* **Amount** — USD equivalent and NGN amount.
* **Destination** — your Nigerian bank (shown as "Nigerian Bank" for privacy).
* **Status** — color-coded badge: yellow for pending, green for completed, red for failed.

***

## Frequently asked questions

<AccordionGroup>
  <Accordion title="How long does a NGN bank transfer take?">
    Pajcash and FossaPay transfers to Nigerian bank accounts typically settle within a few minutes to a few hours, depending on your bank's processing speed. In rare cases it may take up to 1 business day. Check the withdrawal status badge in your Withdraw tab for the latest update.
  </Accordion>

  <Accordion title="What is the minimum withdrawal amount?">
    The minimum is $1.00 USD equivalent across your combined balance. If your balance is below $1.00, the amount input field is disabled and a warning is shown.
  </Accordion>

  <Accordion title="Can I withdraw to a bank account outside Nigeria?">
    International bank withdrawals (Stripe Connect integration) are listed as coming soon in the dashboard. Currently, NGN bank payouts via Pajcash and FossaPay are the supported withdrawal paths. Contact Tip Stack support if you need a manual international payout.
  </Accordion>

  <Accordion title="What happens if my withdrawal fails?">
    If a withdrawal is declined, the payout is marked **Failed** in your history and no funds are deducted. If the status stays **Pending** for an extended period, reconciliation runs automatically in the background. Contact support with your withdrawal reference number if a payout has not updated after 24 hours.
  </Accordion>

  <Accordion title="Is my bank account saved for future withdrawals?">
    Bank details are entered fresh on each withdrawal for security. They are not stored permanently in your profile.
  </Accordion>
</AccordionGroup>