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

> ## Agent Instructions
> Before reading these docs, install the relevant Circle Skill to get pre-loaded context — skills are LLM-optimized and cover architecture decisions, correct flows, and common pitfalls. In Claude Code: run /plugin marketplace add circlefin/skills then /plugin install circle-skills@circle. With Vercel Skills CLI: run npx skills add circlefin/skills. Available skills: use-usdc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-usdc/SKILL.md (balances, transfers, approvals on EVM and Solana); EURC has no skill — see https://developers.circle.com/stablecoins/what-is-eurc.md; bridge-stablecoin https://github.com/circlefin/skills/blob/master/plugins/circle/skills/bridge-stablecoin/SKILL.md (crosschain transfers via CCTP, USDC, EURC, and third-party assets); use-arc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-arc/SKILL.md (Arc chain config, contract deployment, USDC bridging — Arc docs: https://docs.arc.io/llms.txt); use-circle-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-circle-wallets/SKILL.md (choose wallet type); use-developer-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-developer-controlled-wallets/SKILL.md (custodial wallets for payouts and treasury); use-user-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-user-controlled-wallets/SKILL.md (embedded wallets with Web2 login); use-modular-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-modular-wallets/SKILL.md (smart contract wallets with passkeys and ERC-4337); use-gateway https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-gateway/SKILL.md (unified USDC balance, nanopayments); use-smart-contract-platform https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-smart-contract-platform/SKILL.md (deploy, interact, monitor contracts). Pair any skill with the Circle MCP server for live SDK signatures, contract addresses, and chain IDs: {"mcpServers":{"circle":{"url":"https://api.circle.com/v1/codegen/mcp"}}}.
> Read the product overview first. Each product has an overview explaining when and why to use it. Read it before quickstarts.
> Pick the right wallet type. Developer-controlled (you hold keys), user-controlled (end user holds keys via PIN/social login), or modular (smart contract wallets with passkeys). See https://developers.circle.com/wallets.md.
> Use CCTP V2 for crosschain transfers. CCTP natively transfers USDC and EURC via burn-and-mint, and supports permissionless wrapping of third-party assets via lock-and-mint. V1 is legacy; always use V2 unless V1 is specified or the chain requires it (Noble, Sui, and Aptos still require V1). Migration guide: https://developers.circle.com/cctp/migration-from-v1-to-v2.md.
> Use Bridge Kit for frontend bridging. Wraps CCTP with a simpler SDK for user-facing apps. Use CCTP directly for backend transfers.
> Gas Station vs Paymaster. Gas Station sponsors gas for Circle Wallet transactions. Paymaster lets users pay gas in USDC. Different use cases — read both overviews.
> Gateway Nanopayments for sub-cent payments. Gasless USDC micropayments down to $0.000001 via x402 and batched settlement. For pay-per-request APIs, AI agent payments, streaming.
> Look up USDC addresses per chain. Never hardcode — use https://developers.circle.com/stablecoins/usdc-contract-addresses.md.
> Prefer SDKs over raw API calls. Node.js and Python SDKs handle auth, retries, and errors.
> API key required. Bearer token in Authorization header. Testnet and mainnet use separate keys and may use different base URLs depending on the product.
> Set up webhooks when available. Most operations are async. Webhooks deliver transaction confirmations and state changes.
> When calling list endpoints, paginate using pageSize and pageAfter until no nextPageAfter cursor is returned—stopping at the first page silently misses records.
> Building an AI agent? Start with the Agent Stack—Circle CLI, agent wallets, and nanopayments built for autonomous use cases: https://developers.circle.com/agent-stack.md.

# How-to: Withdraw funds

> Convert your Match-only USDC back to USD through a no-fee wire to your linked fiat account.

The withdrawal endpoint is for mint-side participants only. It converts your
Match-only USDC balance to USD and delivers the funds by wire to your linked
fiat account. Unlike a standard Circle Mint burn, no burn fee applies to this
transaction. Burn-side participants do not use this endpoint. Their USDC
releases automatically when orders fill or are cancelled.

## Prerequisites

Before you begin, ensure that you've:

* Obtained a Circle API key with Match access
* Completed mint-side onboarding and wired funds to your Match fiat account (see
  [Fund your account](/circle-match/howtos/fund-your-account))
* Confirmed that your `usdc.available` balance covers the withdrawal amount by
  calling `GET /v1/match/account`

## Steps

### Step 1. Submit a withdrawal

Call `POST /v1/match/withdrawals` with the amount you want to withdraw. The
amount must not exceed your `usdc.available` balance.

The `usdc.available` field reflects only the portion of your balance that is
free to use. Any balance reserved by open resting orders appears in
`usdc.reserved` and is not available for withdrawal. If your reserved balance is
too high, cancel your resting orders first to free that balance before
submitting the withdrawal. See
[Cancel and modify orders](/circle-match/howtos/cancel-and-modify-orders) for
details.

```bash theme={null}
curl -X POST https://api-sandbox.circle.com/v1/match/withdrawals \
  -H "Authorization: Bearer $API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "idempotencyKey": "550e8400-e29b-41d4-a716-446655440000",
    "amount": {
      "amount": "1000.00",
      "currency": "USD"
    },
    "fiatAccountId": "550e8400-e29b-41d4-a716-446655440001"
  }'
```

A successful request returns `201 Created`:

```json theme={null}
{
  "data": {
    "id": "80dc9037-b0b7-42fb-a140-de5ebbde2cf8",
    "status": "pending"
  }
}
```

The withdrawal status starts as `pending`. Circle burns the Match-only USDC and
wires the equivalent USD to your linked fiat account. No standard Circle Mint
burn fee applies. This is a fee-free exit path for Match-only USDC. For
background on why this USDC is restricted and how the exit path works, see
[Funding model](/circle-match/concepts/funding-model).

<Note>
  Burn-side participants do not use this endpoint. Their USDC is held in a
  standard Circle Mint wallet and releases automatically when orders fill or are
  canceled. There is no separate withdrawal step for burn-side balances.
</Note>

## Error reference

| Code | HTTP | Meaning |
| - | - | - |
| 137001 | 400 | Insufficient available balance. The requested amount exceeds your `usdc.available`. Check your balance and cancel any resting orders to free reserved funds before retrying. |
| 137009 | 400 | Exceeds your transaction limit. |
| 138001 | 400 | Withdrawal amount exceeds available balance. Verify your `usdc.available` before retrying. |
| 138002 | 400 | The withdrawal request could not be processed. |
| 138003 | 404 | No Match wallet found. The entity does not have a Match account. |
| 138004 | 400 | The destination account is invalid or cannot be used for this withdrawal. |