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

# Payout: EUR → NGN

> A diaspora payout into a Nigerian bank account, walked step by step: plan, reserve, settle on Tempo, fund the partner on Solana with the reference as memo, pay out, reconcile.

A European payout company pays Ada Obi in Lagos. Its customer balance already sits on the Tempo hub as pathUSD. This is the run recorded on testnet on 29 September 2026: **2 pathUSD → ₦3,060 at 1,530**.

## The plan

| Environment | Route |
| - | - |
| Testnet (recorded) | `ledger.reserve → bridge.simulated (Tempo → Solana) → partner.payout (Solana → NGN)` |
| Mainnet | `ledger.reserve → across.bridge (Tempo → Base) → across.bridge (Base → Solana) → partner.payout (Solana → NGN)` |

On mainnet the payout takes two Across hops, because Paj settles on Solana and Across has no direct Tempo → Solana route.

<Frame caption="Fig. 05 · A EUR → NGN payout, step by step across the ledger, Tempo, Solana, the partner and the bank.">
  <img className="block dark:hidden" src="https://mintcdn.com/corridorapp/2ENSYUKrUyeQFRVS/images/diagrams/payout-flow-light.svg?fit=max&auto=format&n=2ENSYUKrUyeQFRVS&q=85&s=4fa31a265861334f6a0d4ef329beaf2f" alt="Sequence of a EUR to NGN payout" width="1200" height="640" data-path="images/diagrams/payout-flow-light.svg" />

  <img className="hidden dark:block" src="https://mintcdn.com/corridorapp/2ENSYUKrUyeQFRVS/images/diagrams/payout-flow-dark.svg?fit=max&auto=format&n=2ENSYUKrUyeQFRVS&q=85&s=a236e0e0115b76c36319f75fd178da6c" alt="Sequence of a EUR to NGN payout" width="1200" height="640" data-path="images/diagrams/payout-flow-dark.svg" />
</Frame>

## Step by step

<Steps>
  <Step title="Reserve">
    The amount moves from the customer's available balance into a hold, so it cannot be spent twice while the payout is in flight.

    | Account | Debit | Credit |
    | - | - | - |
    | `customer:eu-payco-demo:EUR-NGN:pathUSD:tempo` (available) | 2 | |
    | `customer_hold:eu-payco-demo:EUR-NGN:pathUSD:tempo` | | 2 |
  </Step>

  <Step title="Settle out of the hub">
    pathUSD leaves the treasury vault with the Corridor Reference in the TIP-20 memo ([0x43e7f0ba…](https://explore.testnet.tempo.xyz/tx/0x43e7f0bac5488ac23adc9120c988f310f27b4f5ca17dca5bdc0497f8c2109e52)). Two entries book the two sides of the bridge through the `usd-peg` clearing pair: the Tempo side keyed by the log, the Solana side by the fill.

    | Account | Debit | Credit |
    | - | - | - |
    | `clearing:usd-peg:pathUSD:tempo` | 2 pathUSD | |
    | `vault:treasury:pathUSD:tempo` | | 2 pathUSD |
    | `vault:solana-egress:USDC:solana` | 2 USDC | |
    | `clearing:usd-peg:USDC:solana` | | 2 USDC |
  </Step>

  <Step title="Open the partner order">
    `openPayout` returns a one-off funding address. The order link is recorded before anything is sent.
  </Step>

  <Step title="Fund the partner, exactly once">
    USDC goes from the Solana egress vault to the funding address with `corridor:<ref>` as an SPL Memo ([nDGHfRgM…](https://explorer.solana.com/tx/nDGHfRgMgK1Xc8gjE3bqUvgfp5qP13HnP6nTtLQGBSqaLLtdDfg2nXYPEzbHfcwpYjv1xQFedMcRh3KkJyRZicH?cluster=devnet)). The funding transaction is recorded, so a retry will not fund twice.
  </Step>

  <Step title="Pay out">
    The partner pays ₦3,060 to the beneficiary and confirms with a signed webhook. The payout is booked against the partner order:

    | Account | Debit | Credit |
    | - | - | - |
    | `customer_hold:eu-payco-demo:EUR-NGN:pathUSD:tempo` | 2 pathUSD | |
    | `clearing:usd-peg:pathUSD:tempo` | | 2 pathUSD |
    | `clearing:usd-peg:USDC:solana` | 2 USDC | |
    | `vault:solana-egress:USDC:solana` | | 2 USDC |

    Both sides of the `usd-peg` pair are now back to zero.
  </Step>

  <Step title="Reconcile">
    The Tempo log, the Solana memo transfer and the partner webhook each become an `Observation` and match the ledger entries keyed by them.
  </Step>
</Steps>

## Net effect

| Account | Change |
| - | - |
| Customer available balance | −2 pathUSD |
| Treasury vault on Tempo | −2 pathUSD (moved out of the hub) |
| Clearing pairs | 0 |
| Beneficiary | +₦3,060 |


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