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

# Withdrawals

> Learn how customers withdraw funds from their Virtual Account and receive local currency payouts through your Credit API.

## How withdrawals work

From the Account Home screen, your customer selects Withdrawal and enters the amount of USD to convert. Meridian deducts the amount from the Virtual Account balance and marks the transaction as pending.

Meridian then sends a payout request to your designated Credit API. Your Credit API transfers the funds in local currency to your customer's local bank account. Once the transfer is confirmed, the Virtual Account balance updates to reflect the settled status.

```mermaid theme={null}
sequenceDiagram
    actor Customer
    participant UI as Meridian UI Session
    participant Backend as Partner Backend

    Customer->>UI: Customer requests a withdrawal

	UI->>UI: Refresh balance with Pending status

	UI->>Backend: POST a request to the Credit API

	Backend->>Backend: Transfers local currency into customer's local account

	Backend-->>UI: Returns confirmation response

	UI->>UI: Refresh balance with Settled status
```

## How withdrawals are funded

Meridian fulfills withdrawals through the bank partner's Credit API. During onboarding, Meridian's Implementation team integrates with that API to push funds from Meridian's sponsored account to the customer's account at the home bank.

For full details on how the Credit API works and what the integration requires, see the [Credit API](/products/bank-transfers/credit-api) page.