Crypto-as-a-Service: Withdraw Fiat to Bank Account

// 1. Add Bank Account
export SERVICE_USER_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"
export ENTERPRISE_ID="<CHILD_ENTERPRISE_ID>"

# Note: 021000021 is a valid sample routing number (JPMorgan Chase Bank)
curl -X POST \
  https://app.bitgo-test.com/api/v2/bankaccounts \
  -H 'Content-Type: application/json' \
  -H "Authorization: Bearer $SERVICE_USER_TOKEN" \
  -d '{
    "type": "ach",
    "name": "JPMorgan Chase Bank",
    "accountNumber": "123456789012",
    "routingNumber": "021000021",
    "currency": "tfiatusd",
    "enterpriseId": "'"$ENTERPRISE_ID"'",
    "ownerName": "John Doe",
    "accountType": "checking",
    "description": "ACH deposits and withdrawals",
    "ownerAddressLine1": "123 Main Street",
    "ownerAddressLine2": "Suite 400",
    "ownerAddressCityLocality": "New York",
    "ownerAddressStateProvince": "NY",
    "ownerAddressPostalCode": "10001",
    "ownerAddressCountryCode": "US",
    "bankAddressLine1": "456 Financial Plaza",
    "bankAddressCityLocality": "New York",
    "bankAddressStateProvince": "NY",
    "bankAddressPostalCode": "10005",
    "bankAddressCountryCode": "US"
  }'

// 2. Get idHash
export ENTERPRISE_ID="<ENTERPRISE_ID>"
export SERVICE_USER_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"

curl -X GET \
  https://app.bitgo-test.com/api/v2/bankaccounts?enterpriseId=$ENTERPRISE_ID \
  -H 'Content-Type: application/json' \
  -H "Authorization: Bearer $SERVICE_USER_TOKEN"

// 3. Build Transaction
export COIN="<FIAT_ASSET_ID>" # Fiat asset IDs in Go Accounts always start with "ofc" (such as ofctusdt)
export WALLET_ID="<YOUR_WALLET_ID>"
export SERVICE_USER_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"
export AMOUNT="<AMOUNT_IN_BASE_UNITS>"
export ADDRESS="<ID_HASH>" # Use the `idHash`, returned in the prior step

curl -X POST \
  https://app.bitgo-test.com/api/v2/$COIN/wallet/$WALLET_ID/tx/build \
  -H 'Content-Type: application/json' \
  -H "Authorization: Bearer $SERVICE_USER_TOKEN" \
  -d '{
    "recipients": [
      {
        "amount": "'"$AMOUNT"'",
        "address": "'"$ADDRESS"'"
      }
    ]
}'

// 4. Authenticate Transaction
export BITGO_EXPRESS_HOST="<YOUR_LOCAL_HOST>"
export SERVICE_USER_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"
export WALLET_ID="<YOUR_WALLET_ID>"
export WALLET_PASSPHRASE="<YOUR_GO_ACCOUNT_PASSPHRASE>"

curl -X POST \
  http://$BITGO_EXPRESS_HOST/api/v2/ofc/signPayload \
  -H 'Content-Type: application/json' \
  -H "Authorization: Bearer $SERVICE_USER_TOKEN" \
  -d '{
   "walletId": "'"$WALLET_ID"'",
   "walletPassphrase": "'"$WALLET_PASSPHRASE"'",
   "payload": "{\"coin\":\"ofcusdt\",\"recipients\":[{\"address\":\"tb1q5mwcr2749nnm5c5d6rzx5h92l2u9ex5jzygzd39vfv9qerj5fmjqwlgy4t\",\"amount\":\"1000\"}],\"fromAccount\":\"67ab85b5190bf872e84da2b6e527d9f3\",\"nonce\":\"77d91a11-a7fa-4ad7-91e5-f054328717f9\",\"timestamp\":\"2025-06-26T15:02:06.924Z\",\"feeString\":\"0\",\"shortCircuitBlockchainTransfer\":false,\"isIntraJXTransfer\":false}"
}

// 5. Send Transaction
export WALLET_ID="<YOUR_WALLET_ID>"
export SERVICE_USER_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"
export ADDRESS="<ID_HASH>"
export COIN="<FIAT_ASSET_ID>"
export WALLET_ID="<YOUR_WALLET_ID>"
export SERVICE_USER_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"
export ADDRESS="<ID_HASH>"
export AMOUNT="<AMOUNT_IN_BASE_UNITS>"

curl -X POST \
  https://app.bitgo-test.com/api/v2/$COIN/wallet/$WALLET_ID/tx/send \
  -H 'Content-Type: application/json' \
  -H "Authorization: Bearer $SERVICE_USER_TOKEN" \
  -d '{
    "recipients": [
      {
        "address": "'"$ADDRESS"'",
        "amount": "'"$AMOUNT"'"
      }
    ],
    "halfSigned": {
      "payload": {
        "coin": "ofctusd",
        "recipients": [
          {
            "address": "'"$ADDRESS"'",
            "amount": "'"$AMOUNT"'"
          }
        ],
        "fromAccount": "<WALLET_ID>",
        "nonce": "f4af25d0-a037-4afc-8ce6-d7f158d826d1",
        "timestamp": "2021-09-10T22:45:20.777Z",
        "idfSignedTimestamp": "2021-09-10T22:45:20.113Z",
        "idfVersion": 1,
        "idfUserId": "<USER_ID>",
        "feeString": "1000"
      },
      "signature": "<signature>"
    }
  }'

// 6. Confirm Wire Withdrawal
export WALLET_ID="<YOUR_WALLET_ID>"
export TRANSFER_ID="<YOUR_TRANSFER_ID>"
export SERVICE_USER_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"

curl --request PUT \
  --url https://app.bitgo-test.com/api/v2/wallet/$WALLET_ID/wirewithdrawals/$TRANSFER_ID/confirm \
  --header "accept: application/json" \
  --header "content-type: application/json" \
  --header "authorization: Bearer $ACCESS_TOKEN" \
  --data '{"action":"approve"}'

// 7. Approve Transaction (Optional)
export COIN="<ASSET_ID>"
export APPROVAL_ID="<APPROVAL_ID>"
export ACCESS_FIAT_TOKEN="<SERVICE_USER_ACCESS_TOKEN>"
export OTP="<OTP>"

curl -X POST \
  https://app.bitgo-test.com/api/v2/pendingapprovals/$APPROVAL_ID \
  -H 'Content-Type: application/json' \
  -H "Authorization: Bearer $SERVICE_USER_TOKEN" \
  -d '{
    "state": "approved",
    "otp": "'"$OTP"'"
}'

// 1. Add Bank Account
const BitGoJS = require('bitgo');

const bitgo = new BitGoJS.BitGo({
  accessToken: '<SERVICE_USER_ACCESS_TOKEN>',
  env: 'test',
});

// Note: 021000021 is a valid sample routing number (JPMorgan Chase Bank)
async function addBankAccount() {
  const bankAccount = await bitgo.post('/api/v2/bankaccounts').send({
    type: 'ach',
    name: 'JPMorgan Chase Bank',
    accountNumber: '123456789012',
    routingNumber: '021000021',
    currency: 'tfiatusd',
    enterpriseId: '<CHILD_ENTERPRISE_ID>',
    ownerName: 'John Doe',
    accountType: 'checking',
    description: 'ACH deposits and withdrawals',
    ownerAddressLine1: '123 Main Street',
    ownerAddressLine2: 'Suite 400',
    ownerAddressCityLocality: 'New York',
    ownerAddressStateProvince: 'NY',
    ownerAddressPostalCode: '10001',
    ownerAddressCountryCode: 'US',
    bankAddressLine1: '456 Financial Plaza',
    bankAddressCityLocality: 'New York',
    bankAddressStateProvince: 'NY',
    bankAddressPostalCode: '10005',
    bankAddressCountryCode: 'US',
  });

  console.log('Bank Account Added:', bankAccount);
  return bankAccount;
}

addBankAccount().catch(console.error);

// 2. Get idHash
// Use the List Bank Accounts endpoint to get the idHash

// 3. Build Transaction
let params = {
  recipients: [
    {
      amount: 1000,
      address: '<ID_HASH>',
    },
  ],
};
wallet.prebuildTransaction(params).then(function (transaction) {
  // print transaction details
  console.dir(transaction);
});

// 4. Authenticate Transaction
// assuming that "bitgo" is an already initialized bitgo instance
  const wallet = await bitgo.coin('ofc').wallets().get({ id: goAccountId });

  if (wallet === undefined) {
    throw new Error(`Could not find OFC wallet ${goAccountId}`);
  }

  const walletPassphrase = "<YOUR_WALLET_PASSPHRASE>";
  const tradingAccount = wallet.toTradingAccount();
  const stringifiedPayload = JSON.stringify(<payload_returned_by_tx/build_api>);
  const signature = await tradingAccount.signPayload({
    payload: stringifiedPayload,
    walletPassphrase,
  });

// 5. Send Transaction
// Use the Send Half-Signed Transaction endpoint

// 6. Confirm Wire Withdrawal
// Use the Update wire withdrawal endpoint to confirm the withdrawal

// 7. Approve Transaction (Optional)
const baseCoin = this.bitgoSDK.coin(initialPendingApproval.coin);
const pendingApproval = await baseCoin.pendingApprovals().get({ id: initialPendingApproval.id });
const result = await pendingApproval.approve(params);