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Off-ramp lets you turn stablecoins (USDT/USDC, digital dollars that hold a steady value) into Gambian Dalasi (GMD). You tell us how much dalasi you want, we give you a stablecoin address to pay, and once it’s paid we hand over the dalasi, either into your Modem Pay balance or straight to a mobile money wallet.
Off-ramp only works in live mode. Use a live API key.

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How it works

1

Create an off-ramp request

Tell us how much dalasi you want and where to send it. We give you back a stablecoin address and the exact amount to pay.
2

Pay the stablecoin amount

Send the quoted USDT/USDC to that address. The payment can come in one transfer or several.
3

We hand over the dalasi

Once it’s paid, we add the dalasi to your balance or pay it out to the mobile money wallet you chose.

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Create an off-ramp

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gmd_amount
number
required
How much Gambian Dalasi you want to receive.
​
pay_currency
string
default:"USDT"
Which stablecoin you’ll pay with. Defaults to USDT.
​
network
string
default:"TRC20"
Which network the payment goes over. Defaults to TRC20.
​
destination
modempay_balance | mobile_money
Where the dalasi ends up. Either modempay_balance (added to your balance) or mobile_money (paid out to a wallet). Defaults to your balance.
​
payout_method
object
Only needed when destination is mobile_money. This is the wallet to pay out to.
​
callback_url
string
A web address where you want to be notified about this off-ramp.
payout_method is optional. Leave it out to send the dalasi to your Modem Pay balance; include it (with destination: "mobile_money") to pay out to a wallet.

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Send the dalasi to your Modem Pay balance

curl -X POST https://api.modempay.com/v1/minting/offramp \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "gmd_amount": 1000
  }'

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Send the dalasi straight to a mobile money wallet

curl -X POST https://api.modempay.com/v1/minting/offramp \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "gmd_amount": 1000,
    "destination": "mobile_money",
    "payout_method": {
      "network": "wave",
      "account_number": "7000000",
      "account_name": "Account Holder"
    }
  }'
What you get back
json
{
  "id": "b7c93f02-1a4e-4d8c-9f31-2e6a5d8c41bb",
  "provider_fee": 0,
  "actually_paid": 0,
  "fee_bearer": "business",
  "business_id": "8a8d29ad-7e3c-445d-9732-51893ffcfb7d",
  "account_id": "f3ae3627-a381-479e-ac7e-c9c62fcd0225",
  "direction": "off_ramp",
  "destination": "mobile_money",
  "payout_method": {
    "network": "wave",
    "account_name": "Account Holder",
    "account_number": "7000000"
  },
  "gmd_amount": 1000,
  "gmd_rate": 74.2297,
  "fee": 0.14,
  "fee_currency": "USD",
  "pay_amount": 13.62,
  "pay_currency": "USDT",
  "pay_address": "TXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "network": "TRC20",
  "provider_payment_id": "9f2c7b81-3d5a-4e6f-8a2b-1c4d7e9f0a3b",
  "invoice_expires_at": "2026-01-01T00:30:00.000Z",
  "status": "pending",
  "reference": "MP-XXXXXXXX-XXXXXX-XXXXXXXX",
  "test_mode": false,
  "markup_share_usd": 0,
  "markup_config": null,
  "events": {
    "2026-01-01T00:00:00.000Z": {
      "source": "system.create_off_ramp",
      "status": "pending"
    }
  },
  "metadata": {
    "gmd_rate": 74.2297,
    "usd_equivalent": 13.47
  },
  "updatedAt": "2026-01-01T00:00:00.000Z",
  "createdAt": "2026-01-01T00:00:00.000Z",
  "provider_invoice_id": null,
  "invoice_url": null,
  "failure_reason": null,
  "credit_transaction_id": null,
  "quote_id": null
}
The fields that matter:
  • pay_address — send the stablecoin to this address.
  • pay_amount + pay_currency — the exact amount and coin to send.
  • gmd_amount — the dalasi you’ll receive.
  • invoice_expires_at — pay before this time.
  • status — starts out as pending.

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Paying

Send pay_amount of pay_currency to pay_address before invoice_expires_at.
The payment might arrive in more than one transfer. The payer can send it in parts. We hand over the dalasi bit by bit as the money comes in, and finish once the full amount has arrived. Follow along using the status field and the notifications (below) rather than expecting one single payment.

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Status values

​
pending
status
Created, waiting for payment.
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underpaid
status
Some money has come in, but not the full amount yet.
​
paid
status
Fully paid; dalasi handed over.
​
overpaid
status
Paid more than needed; dalasi handed over.
​
expired
status
Not paid (or not fully paid) before the deadline.

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Look up an off-ramp

Check the current state of an off-ramp using its id. Handy for seeing the status, how much has been paid (actually_paid), and the settlement details.
cURL
curl https://api.modempay.com/v1/minting/ramps/b7c93f02-1a4e-4d8c-9f31-2e6a5d8c41bb \
  -H "Authorization: Bearer YOUR_API_KEY"
This gives you back the same details as when you created it, showing the latest state — including the updated status, actually_paid, and events.

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Notifications (webhooks)

Set a callback_url to get updates as the off-ramp moves along. You may get more than one update as partial payments come in and the dalasi is handed over. To confirm a notification really came from Modem Pay, see the Webhooks guide.

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If a mobile money payout fails

When destination is mobile_money, we try to pay the dalasi to the wallet in payout_method. If that payout fails for any reason (say the provider is down or the wallet number is wrong), the money is added to your Modem Pay balance instead — it’s never lost. You can then try the payout again from your balance, or fix the wallet details and pay out again.
A failed mobile money payout always falls back to your modempay_balance. So money from a confirmed payment is safe even if the wallet payout doesn’t go through.

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Good to know

  • pay_amount is worked out from gmd_amount, the current gmd_rate, and the fee. The rate is locked in the moment you create the request.
  • Sending dalasi to a mobile money wallet needs payout_method; sending it to your balance does not.
  • To resell off-ramp on your own platform and earn a margin, see Off-Ramp for Resellers.