Payouts to Canada

Review these Canada-specific requirements before initiating CAD payouts. For the general cross-border
payment flow, see Sending Cross-Border Payments.

Supported configurations

Canada payouts support the following participant type:

• B2B (business-to-business) — business customer to business counterparty

B2B uses the bank_account route via the EFT payment rail. C2C, B2C, and mobile wallet payouts are
not available for this corridor.

Trading account requirement

Canada payouts require a USDC_SOL trading account as the source. Other trading account types
(such as USDC or USDC_NPL) are not supported for CAD payouts.

Verify CAD payout availability

Confirm your bank supports CAD payouts for the B2B participant type and the bank_account route.

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Bank configuration required

Contact Cybrid support to enable CAD payouts and configure Canada as a supported corridor for your bank.

GET /api/banks/{bank_guid}
Authorization: Bearer YOUR_TOKEN

Look for an entry in supported_payout_symbols where:

• symbol: CAD-USD or CAD-USDC_SOL
• country_code: CA
• participants_type: B2B
• route: bank_account

You can also query prices for Canada:

GET /api/prices?payout_country_code=CA
Authorization: Bearer YOUR_TOKEN

Identity verification requirements

The platform validates all required KYC fields when you create a plan for CAD payouts.

Originator (Customer)

Business originator (B2B):

• name.full (registered name)
• address.street, address.city, address.country_code
• identification_numbers with one of:
  • tax_identification_number
  • business_registration_number
  • employer_identification_number

Receiver (Counterparty)

Create the counterparty with the
standard required fields
for the appropriate type. The counterparty must be in verified state before you can create the
external bank account and plan.

Business counterparty (B2B):

• name.full

Individual customers and individual counterparties are not supported for this corridor. A plan with
an individual on either side is rejected.

Purpose of transaction

For Canada payouts, purpose_of_transaction is required. All standard purpose values are
accepted.

Supporting documents

B2B payouts to Canada require at least one supporting document. No specific document type is
mandated, so you can use any supported type: invoice, purchase_order, delivery_slip,
contract, bill_of_lading, or others.

Each B2B plan must include exactly one supporting document that carries a document_reference_number.

{
  "supporting_documents": [
    {
      "type": "invoice",
      "file_guids": ["file_guid"],
      "document_reference_number": "INV-1001"
    }
  ]
}

Requirements:

• At least one supporting document is required.
• Up to 3 documents per plan.
• Each file must be uploaded with a type matching the document type.
• Allowed file formats: application/pdf, image/jpeg, image/png.
• Each file must be no larger than 8 MB, with a filename of 64 characters or fewer.
• Exactly one supporting document must carry a document_reference_number.

Upload each file via File Upload and wait for
state: completed before referencing its GUID. For the full supporting_documents field
structure, see
Sending Cross-Border Payments.

External bank account setup

Canada payouts use EFT routing. The credit party is identified by a CPA routing number and a bank
account number.

Send a POST request to /api/external_bank_accounts with the following format:

{
  "account_kind": "raw_routing_details",
  "name": "Canadian beneficiary account",
  "counterparty_bank_account_details": [{
    "bank_code_type": "CPA",
    "bank_code": "00417902",
    "account_identifier": "111122220000",
    "payment_rail": "EFT"
  }],
  "counterparty_guid": "counterparty_guid",
  "customer_guid": "customer_guid",
  "asset": "CAD"
}

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API versioning

Creating external bank accounts with foreign raw routing details requires
Accept-Version: 2025-10-01 or later.

For the full account model and field reference, see
Create Foreign Fiat External Bank Accounts.

Validation rules

• CPA routing number: Must be 8 digits, made up of a 3-digit institution number followed by a
  5-digit transit number. Submit it as a single value in bank_code — for example, institution 004
  and transit 17902 become 00417902
• Bank account number: Must be 7 to 12 digits. The permitted length varies by institution
• Bank code type: Must be CPA
• Payment rail: Must be EFT

Supported institutions

The following institutions are available for CAD payouts to Canada. The institution number is the
first 3 digits of the CPA routing number, so you can use this table to confirm a beneficiary's bank
is supported before creating the external bank account.

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Credit unions clearing through Central 1

Central 1 Credit Union clears payments for several Canadian credit unions, including Coast Capital
Savings and Vancity Community Investment Bank. Accounts at those institutions carry institution
number 809 and are paid through Central 1 Credit Union.

Common validation errors

Related resources

• Sending Cross-Border Payments
• Create Foreign Fiat External Bank Accounts
• Creating a Counterparty
• Verifying a Counterparty
• Create Plan API Reference