Withdrawals

Your merchant account can withdraw its available balance in two ways:

Crypto withdrawal (USDC or USDT) On-chain transfer to your wallet on Polygon, Ethereum or Solana.

Peso (MXN) withdrawal via SPEI Bank transfer to your CLABE account in Mexico.

Available balance

Your merchant balance is held internally in USDC (a stablecoin pegged 1:1 to the USD). The dashboard shows it in USDC and, for reference, its MXN equivalent at the current exchange rate.

When withdrawing, you choose whether to receive the amount as:

• USDC or USDT on-chain on a supported network, or
• Mexican pesos (MXN) via SPEI to your CLABE account.

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Crypto withdrawal (USDC or USDT)

Send your balance as USDC or USDT to an external wallet you control.

Supported networks

Only these three networks are available for crypto withdrawals:

Network	USDC	USDT
Polygon	✓	✓
Ethereum	✓	✓
Solana	✓	✓

Caution

The network matters as much as the symbol. Make sure the destination wallet accepts deposits on the chosen network. If you send USDC-Polygon to an address that only accepts Ethereum, the funds may be lost.

Requirements

• Sufficient available USDC balance (covering the amount + fees).
• A wallet address compatible with the chosen network.
• 2FA code (6-digit TOTP) if you have the second factor enabled.

Steps

1. Go to Balances → Withdraw in the dashboard.
2. Choose Withdraw in crypto.
3. Select the currency (USDC or USDT) and the network (Polygon, Ethereum or Solana).
4. Enter the USDC amount to withdraw.
5. Enter the destination address of your wallet and confirm (check the box) that it belongs to you.
6. Review the summary: USDC amount, B4bit fee, network fee (gas), net amount you will receive.
7. Confirm with the 2FA code.

Fees

• B4bit fee: may be 0 or a fixed amount depending on your account configuration.
• Network fee (gas/blockchain fee): depends on the network and congestion at the time of sending. Polygon and Solana typically have very low fees; Ethereum is the most expensive.

Crypto withdrawal states

Code	Name	Meaning
PE	Pending	Order created, awaiting blockchain execution.
CO	Completed	Transaction sent; the dashboard shows the tx_hash.
CA	Cancelled	Withdrawal cancelled (by you or by the system).

Danger

On-chain withdrawals are irreversible. Verify the address and network before confirming.

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MXN withdrawal via SPEI to CLABE

Receive Mexican pesos directly in your bank account via SPEI (Mexican bank transfer). B4bit Pay converts USDC to MXN at the current exchange rate and executes the transfer.

Requirements

• Available USDC balance.
• A verified CLABE account associated with your merchant (see below).
• 2FA code.

1. Add and verify a CLABE

Before your first MXN withdrawal you must register at least one CLABE account (18 digits).

1. Dashboard → Settings → Bank accounts → Add CLABE.
2. Enter:
   • CLABE (18 digits, globally unique per merchant).
   • Account holder name as it appears at the bank.
3. Save. The account enters pending state.
4. B4bit Pay sends it to the external validation service. The result arrives in minutes:
   • ✓ active: verified, can now be used for withdrawals.
   • ✗ rejected: rejected (non-existent account, holder mismatch, blocked). The dashboard displays the reason.
5. Mark an account as default if you want to use it for automated withdrawals.

Tip

You can register several CLABEs (for example, a primary and a backup), but only one can be default at a time.

2. Create the MXN withdrawal

1. Dashboard → Balances → Withdraw → MXN.
2. Enter the USDC amount you want to convert to pesos.
3. B4bit Pay queries the rate and shows:
   • USDC to deduct from your balance.
   • Processing fee (in USDC).
   • Total to receive in MXN.
   • Applied rate (1 USDC ~ X MXN).
4. Select the beneficiary CLABE (uses the default if you do not choose another).
5. Confirm with the 2FA code.

Conversion and settlement

• The rate is locked when you confirm the withdrawal.
• The transfer travels via SPEI (24/7 in Mexico; usually credited within seconds).
• You receive the tracking key from the originating bank in the dashboard.

MXN withdrawal states

Code	Name	Meaning
PE	Pending	Order created, awaiting SPEI settlement.
CO	Completed	SPEI sent and confirmed; funds in your account.
CA	Cancelled	Cancelled (insufficient balance, CLABE rejected, 2FA failed).

Caution

If the beneficiary bank rejects the SPEI (closed account, wrong data, bank block), the amount is not automatically returned to your USDC balance. Email support@b4bit.com with the withdrawal identifier and the rejection reason; the support team handles the refund manually.

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Automated withdrawals

Schedule recurring withdrawals with no manual intervention. Available for MXN withdrawals via CLABE.

1. Dashboard → Settings → Automated withdrawals.
2. Enable the option.
3. Choose the frequency in days (1 = daily, 7 = weekly, 14 = biweekly, 30 = monthly).
4. Set a minimum amount to trigger the withdrawal (for example, 500 USDC). If the balance does not reach it during the cycle, it is deferred to the next one.
5. Make sure you have a verified default CLABE.

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Quick reference

USDC / USDT on-chain

• Currencies: USDC or USDT.
• Networks: Polygon, Ethereum, Solana.
• Destination: external wallet you control.
• Confirmation: blockchain + 2FA.
• Irreversible: yes.

MXN via SPEI (CLABE)

• Currency: MXN (converted from USDC at the current rate).
• Destination: previously validated 18-digit CLABE account.
• Method: SPEI (24/7 in Mexico).
• Confirmation: CO state after settlement + 2FA.
• Bank rejection: contact support@b4bit.com; the refund is not automatic.

Support

Withdrawal stuck or CLABE rejected? Email support@b4bit.com with the withdrawal identifier.