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

# Collection & disbursements

> Wallet-funded collection and disbursement under currency prefixes.

Collection and disbursement APIs move fiat from your Pretium wallet balance — **without** an on-chain `transaction_hash`.

They share the same body shape as offramp / onramp, except `transaction_hash` and `chain` are omitted.

Top up that balance with crypto via [`POST /account/fund`](/api-reference/account/fund) then [`POST /account/fund/confirm`](/api-reference/account/fund-confirm).

## Core endpoints

| Action | Method | Path |
| - | - | - |
| Disburse | `POST` | `/{currency_code}/disburse` |
| Collect | `POST` | `/{currency_code}/collect` |
| Banks | `POST` | `/{currency_code}/banks` |
| Bank info | `POST` | `/{currency_code}/bank-infor` |
| Bank transfer | `POST` | `/{currency_code}/bank-transfer` |
| Status | `POST` | `/{currency_code}/status` |

Full request and response examples: **[Collection & disbursement](/api-reference/countries/collection-and-disbursement)**.

## Auth

`x-api-key` = partner consumer key.

## Currency prefixes

| Prefix | Market |
| - | - |
| `/kes` | Kenya |
| `/ugx` | Uganda |
| `/ngn` | Nigeria |
| `/ghs` | Ghana |
| `/mwk` | Malawi |
| `/cdf` | DR Congo |
| `/etb` | Ethiopia |
| `/tzs` | Tanzania |
| `/zmw` | Zambia |
| `/rwf` | Rwanda (utilities) |

## When to use `/v1` instead

| Use `/v1` pay / onramp | Use `/{currency_code}` collection & disbursement |
| - | - |
| Settling with on-chain hashes | Wallet-funded local rails |
| Crypto → fiat or fiat → crypto | Fiat in / out only |
| Single cross-market product surface | Market-specific collect / disburse |

## Payment locks

Collections and disbursements can be temporarily locked per country (`400` with a maintenance-style message). Check [`POST /v2/exchange-rate`](/api-reference/rates/exchange-rate-v2) for ramp flags on the unified API.


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