> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Quickstart > From zero to your first payout — with the cycle closed by webhook — in six steps This is the full path of a first integration: register → balance → rates → payout → webhook. By the end you will have closed the entire cycle: ```mermaid theme={"theme":{"light":"github-light","dark":"github-dark"}} flowchart LR reg["1-2. Register and
authenticate"] --> saldo["3. Balance
(fund with payin or crypto)"] saldo --> tasas["4. Rates and
fees"] tasas --> payout["5. First payout
(processing)"] payout --> wh["6. Webhook
payout_status_changed"] wh --> fin(("Cycle
closed")) ``` Before you start, the data you will need everywhere: | Item | Value | | ---------------------- | -------------------------------------------------------------------------------------------------------- | | **Base URL** | `https://api.qbank.cl/platform` | | **Authentication** | `Authorization: Bearer ` header (or `X-API-Key`) | | **Organization slug** | `cbpay` (for register and login) | | **Balance currencies** | 4 independent balances: USDT (operating), USDC, BTC and GOLD — amounts always as strings (`"52.618258"`) | | **Environment** | Direct production — no sandbox; test with small amounts | If CBPay already created your account and handed you a `pk_...` API key, skip to step 3. Common questions are answered upfront in the [FAQ](/en/faq). Create your account (person or company — same endpoint, `type` changes): ```bash Person theme={"theme":{"light":"github-light","dark":"github-dark"}} curl -X POST https://api.qbank.cl/platform/v1/auth/register \ -H "Content-Type: application/json" \ -d '{ "org": "cbpay", "type": "person", "email": "ana@example.com", "password": "a-secure-password", "display_name": "Ana Perez", "country": "CL" }' ``` ```bash Company theme={"theme":{"light":"github-light","dark":"github-dark"}} curl -X POST https://api.qbank.cl/platform/v1/auth/register \ -H "Content-Type: application/json" \ -d '{ "org": "cbpay", "type": "company", "email": "legal@andina.cl", "password": "a-secure-password", "display_name": "Comercial Andina SpA", "tax_id": "76.543.210-8", "country": "CL" }' ``` The response includes your `access_token` (24-hour session): ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "account": { "id": "…", "type": "person", "kyc_status": "none", "…": "…" }, "access_token": "eyJhbGciOiJIUzI1NiIs…", "expires_at": "2026-07-08T00:00:00Z" } ``` Send the token in the `Authorization` header: ```bash theme={"theme":{"light":"github-light","dark":"github-dark"}} curl https://api.qbank.cl/platform/v1/me \ -H "Authorization: Bearer " ``` For server-to-server integrations, issue a **permanent API key** with `POST /v1/api-keys` — shown exactly once. More in [authentication](/en/authentication). ```bash theme={"theme":{"light":"github-light","dark":"github-dark"}} curl https://api.qbank.cl/platform/v1/balances \ -H "Authorization: Bearer " ``` ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "account_id": "…", "balances": [ { "asset": "USDT", "available": "0.000000", "held": "0.000000" }, { "asset": "USDC", "available": "0.000000", "held": "0.000000" }, { "asset": "BTC", "available": "0.00000000", "held": "0.00000000" }, { "asset": "GOLD", "available": "0.000000", "held": "0.000000" } ] } ``` To operate you need funds: create a [payin](/en/guides/payins) or deposit USDT on-chain via [crypto funding](/en/guides/crypto). Before a payout, check the current FX rate and your effective fees: ```bash theme={"theme":{"light":"github-light","dark":"github-dark"}} curl https://api.qbank.cl/platform/v1/rates \ -H "Authorization: Bearer " ``` ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "base": "USD", "rates": { "chile": { "currency": "CLP", "rate": "950.25" }, "mexico": { "currency": "MXN", "rate": "17.50" }, "bolivia": { "currency": "BOB", "rate": "6.91" } }, "fees": [ { "service": "payout", "country": "CL", "percent": "0", "fixed": "0.50" } ], "updated_at": "2026-07-07T12:00:00Z" } ``` The rates already include your FX margin, so you can estimate the cost before creating: `usdt_amount ≈ local_amount / rate` (rounded up) and `total_debit = usdt_amount + fixed`. ```bash theme={"theme":{"light":"github-light","dark":"github-dark"}} curl -X POST https://api.qbank.cl/platform/v1/payouts \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -d '{ "country": "CL", "currency": "CLP", "method": "bank_transfer", "amount": "50000", "beneficiary": { "name": "Juan Soto", "rut": "12345678-9", "bank_code": "012", "account_type": "checking", "account_number": "001122334455" }, "description": "Supplier payment", "idempotency_key": "my-payment-0001" }' ``` Response `202 Accepted` — the payout is `processing` and the final state arrives via [webhook](/en/webhooks) (`payout_status_changed`): ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "payout_id": "…", "status": "processing", "local_amount": "50000", "fx_rate": "950.25", "usdt_amount": "52.618258", "fee": "0.500000", "total_debit": "53.118258" } ``` `beneficiary` fields depend on the country and method. Check `GET /v1/payouts/methods` and `GET /v1/payouts/banks?country=CL` for each corridor's requirements — the full reference lives in the [country examples in the payouts guide](/en/guides/payouts#examples-by-country). The payout's final state arrives via push. Subscribe your HTTPS endpoint (in development use a [tunnel](/en/environment-testing#testing-webhooks-in-local-development)): ```bash theme={"theme":{"light":"github-light","dark":"github-dark"}} curl -X POST https://api.qbank.cl/platform/v1/webhooks/subscriptions \ -H "Authorization: Bearer " \ -H "Content-Type: application/json" \ -d '{ "event_type": "payout_status_changed", "callback_url": "https://yourapp.com/webhooks/cbpay", "secret": "a-long-random-secret" }' ``` Minutes later you will receive the closure of the step-5 payout: ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "payout_id": "…", "status": "completed", "local_amount": "50000", "usdt_amount": "52.618258", "total_debit": "53.118258", "status_code": "" } ``` **Always** verify the delivery's HMAC signature (`X-Webhook-Signature`) — recipe with code in [webhooks](/en/webhooks). Had the payout failed, `status: failed` arrives with the full refund already applied. ## What's next? Funding, dispersing, collecting, reconciling and banking — the five E2E flows with diagrams. Debits, holds, refunds and the immutable ledger. How to test safely and the go-live checklist. Real integrator questions, answered — and the full API Reference lives in its own tab, with an interactive playground.