> ## Documentation Index > Fetch the complete documentation index at: https://docs.ladder.africa/llms.txt > Use this file to discover all available pages before exploring further. # Withdraw to a settlement account > Sends money from your wallet to one of your **verified** settlement accounts in the same currency. The wallet is debited immediately (402 `insufficient_funds` if short), so the amount cannot also be spent on an order while the withdrawal waits. Ladder approves every withdrawal and pays it to the account by bank transfer: `pending_approval` → `approved` → `completed` (with `payout_reference`, the bank reference). A `rejected` or `failed` withdrawal is credited back to the wallet. Webhooks: `withdrawal.created`, `withdrawal.completed`, `withdrawal.rejected`, `withdrawal.failed`. Test keys complete immediately with `payout_reference` `SANDBOX`. ## OpenAPI ````yaml /openapi.json post /partner/v1/withdrawals openapi: 3.0.3 info: title: Ladder Partner API version: v1 description: >- Server-to-server API for licensed partner organisations: NGN/GHS/USD wallets, funding rails, investments and NGX market data, buy and sell orders, holdings and webhooks. Every request is HMAC-signed; see the Authentication guide. contact: email: partners@myladder.africa servers: - url: https://api.myladder.africa description: Production - url: https://api-dev.myladder.africa description: UAT (integration and acceptance testing) security: - LadderKey: [] LadderTimestamp: [] LadderSignature: [] tags: - name: Organisation description: The calling organisation and where Ladder's review of it stands. - name: Wallets description: >- Balances, funding requests on every rail, direct-debit mandates, settlement accounts and the ledger statement. - name: Investments description: What a partner can buy. - name: Market data description: >- Nigerian Exchange instruments, quotes, bars, indices, FX, calendar and disclosures. - name: Orders description: Buy and sell orders and their lifecycle. - name: Holdings description: Positions created by completed buys. - name: Webhooks description: Endpoints, deliveries and retries. - name: Sandbox description: Test-key only helpers. paths: /partner/v1/withdrawals: parameters: [] post: tags: - Wallets summary: Withdraw to a settlement account description: >- Sends money from your wallet to one of your **verified** settlement accounts in the same currency. The wallet is debited immediately (402 `insufficient_funds` if short), so the amount cannot also be spent on an order while the withdrawal waits. Ladder approves every withdrawal and pays it to the account by bank transfer: `pending_approval` → `approved` → `completed` (with `payout_reference`, the bank reference). A `rejected` or `failed` withdrawal is credited back to the wallet. Webhooks: `withdrawal.created`, `withdrawal.completed`, `withdrawal.rejected`, `withdrawal.failed`. Test keys complete immediately with `payout_reference` `SANDBOX`. operationId: withdrawals_create parameters: - name: Idempotency-Key in: header description: >- Unique per logical request (max 255 chars). A retry with the same key and body returns the original response with `Idempotent-Replayed: true`; a different body returns 409. required: true schema: type: string requestBody: content: application/json: schema: $ref: '#/components/schemas/PartnerCreateWithdrawal' required: true responses: '201': description: '' content: application/json: schema: $ref: '#/components/schemas/PartnerWithdrawalResponse' '400': description: Validation or business-rule error (see `error.code`). content: application/json: schema: $ref: '#/components/schemas/PartnerError' '401': description: Missing/invalid signature, stale timestamp, unknown or revoked key. content: application/json: schema: $ref: '#/components/schemas/PartnerError' '402': description: Insufficient wallet balance (`insufficient_funds`). content: application/json: schema: $ref: '#/components/schemas/PartnerError' '403': description: IP not allowlisted, or action not allowed for this key/environment. content: application/json: schema: $ref: '#/components/schemas/PartnerError' '404': description: Not found (or belongs to another organisation/environment). content: application/json: schema: $ref: '#/components/schemas/PartnerError' '409': description: >- Conflict: state does not allow this action, duplicate reference, or Idempotency-Key reuse. content: application/json: schema: $ref: '#/components/schemas/PartnerError' '429': description: Rate limited (120 requests/min per key). See `Retry-After`. content: application/json: schema: $ref: '#/components/schemas/PartnerError' components: schemas: PartnerCreateWithdrawal: required: - currency - amount - settlement_account_id type: object properties: currency: title: Currency type: string enum: - GHS - USD - NGN amount: title: Amount type: string format: decimal settlement_account_id: title: Settlement account id description: >- A verified settlement account of yours in the same currency (GET /kyb/settlement-accounts). type: string format: uuid PartnerWithdrawalResponse: required: - data type: object properties: data: $ref: '#/components/schemas/PartnerWithdrawal' PartnerError: required: - error type: object properties: error: $ref: '#/components/schemas/PartnerErrorBody' PartnerWithdrawal: type: object properties: id: title: Id type: string format: uuid readOnly: true reference: title: Reference type: string readOnly: true minLength: 1 status: title: Status type: string enum: - pending_approval - approved - completed - rejected - failed readOnly: true currency: title: Currency type: string enum: - GHS - USD - NGN readOnly: true amount: title: Amount type: string format: decimal readOnly: true fee: title: Fee type: string format: decimal readOnly: true settlement_account_id: title: Settlement account id type: string format: uuid readOnly: true payout_reference: title: Payout reference type: string readOnly: true minLength: 1 failure_reason: title: Failure reason type: string readOnly: true minLength: 1 approved_at: title: Approved at type: string format: date-time readOnly: true nullable: true resolved_at: title: Resolved at type: string format: date-time readOnly: true nullable: true created_at: title: Created_at type: string format: date-time readOnly: true PartnerErrorBody: required: - code - message - details type: object properties: code: title: Code description: Stable machine-readable code, e.g. `insufficient_funds`. type: string minLength: 1 message: title: Message type: string minLength: 1 details: title: Details description: Code-specific context (validation errors, balances, …). type: object additionalProperties: type: string nullable: true securitySchemes: LadderKey: type: apiKey in: header name: X-Ladder-Key description: 'Your key id: `pk_test_…` (sandbox) or `pk_live_…` (live).' LadderTimestamp: type: apiKey in: header name: X-Ladder-Timestamp description: Unix seconds, as a string; must be within 5 minutes of server time. LadderSignature: type: apiKey in: header name: X-Ladder-Signature description: >- Lower-case hex HMAC-SHA512 over timestamp, method, path+query and the SHA-256 of the body. See Authentication. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.