Withdraw Funds

Getting money out takes two steps. First exit the position, which returns the tokens to the product account. Then move them from the account to the user’s wallet with the product’s transfer endpoint and action: "WITHDRAW". This works the same way in Earn, Credit and Tokenized Assets. For Perpetual Trading, withdraw USDC from Hyperliquid instead.

1. Exit the position

Product	How to exit
Earn	`manage` with `action: "WITHDRAW"` for the vault, Aave market or Pendle PT position.
Credit	`repay` pays back the loan and withdraws collateral in one transaction. `unloop` closes a leveraged loop. For collateral with no loan against it, use `bundle` with a `CREDIT_WITHDRAW` action.
Tokenized Assets	Sell back to USDC: a sell order for equities, or `transact/sell` for RWA yield tokens, deRWA and IXS vaults. See Tokenized Assets.

For example, take 75 USDC out of a vault in the Earn Account:

import httpx

response = httpx.post(
    "https://api.compasslabs.ai/v2/earn/manage",
    json={
        "owner": "0xYourWalletAddress",
        "chain": "base",
        "venue": {"type": "VAULT", "vault_address": "0xVaultAddress"},
        "action": "WITHDRAW",
        "amount": "75",
    },
    headers={"x-api-key": "YOUR_API_KEY"},
)
result = response.json()

# result["transaction"]: unsigned tx for the owner to sign and send
# Once it confirms, the USDC is back in the Earn Account

const response = await fetch(
  "https://api.compasslabs.ai/v2/earn/manage",
  {
    method: "POST",
    headers: {
      "Content-Type": "application/json",
      "x-api-key": "YOUR_API_KEY",
    },
    body: JSON.stringify({
      owner: "0xYourWalletAddress",
      chain: "base",
      venue: { type: "VAULT", vault_address: "0xVaultAddress" },
      action: "WITHDRAW",
      amount: "75",
    }),
  }
);
const result = await response.json();

// result.transaction: unsigned tx for the owner to sign and send
// Once it confirms, the USDC is back in the Earn Account

Most exits settle in the same transaction. Two settle later, so wait for them before step 2:

Equity sell orders fill asynchronously. Poll the order status until it’s filled.
IXS vault redemptions are settled by the vault operator. Poll /v2/tokenized_assets/redemptions until the request is finalized.

2. Send tokens to the wallet

Send 100 USDC from the Earn Account back to the user’s wallet:

response = httpx.post(
    "https://api.compasslabs.ai/v2/earn/transfer",
    json={
        "owner": "0xYourWalletAddress",
        "chain": "base",
        "token": "USDC",
        "amount": "100",
        "action": "WITHDRAW",
    },
    headers={"x-api-key": "YOUR_API_KEY"},
)
result = response.json()

# result["transaction"]: unsigned tx that tells the account to send the USDC
# The owner signs and sends it

const response = await fetch(
  "https://api.compasslabs.ai/v2/earn/transfer",
  {
    method: "POST",
    headers: {
      "Content-Type": "application/json",
      "x-api-key": "YOUR_API_KEY",
    },
    body: JSON.stringify({
      owner: "0xYourWalletAddress",
      chain: "base",
      token: "USDC",
      amount: "100",
      action: "WITHDRAW",
    }),
  }
);
const result = await response.json();

// result.transaction: unsigned tx that tells the account to send the USDC
// The owner signs and sends it

Field	Description
`owner`, `chain`, `token`, `amount`	The same as for deposits. `amount` is in token units.
`action`	`WITHDRAW` moves tokens from the account to the wallet.
`recipient`	Earn only, optional. Sends the tokens to another address instead of the owner.
`gas_sponsorship`	`true` returns `eip_712` for the user to sign instead of a transaction. Relay it through `prepare` with `product` set, as with a sponsored deposit. Withdrawals don’t need the one-time token approval or a `spender`.

Either way, the owner signs the instruction to their account. The account only follows its owner’s signature, so nobody else (including Compass) can withdraw.

Good to know

Only tokens sitting in the account can move. If the account holds less than amount, the call returns 400 Insufficient balance. Read the amount from balances first.
Pay out a loan while it’s open. Borrowed tokens land in the Credit Account. Send them to the user’s wallet with transfer and WITHDRAW; this works while the loan is open. Collateral stays in the lending protocol until you withdraw it with repay or bundle.
Credit and Tokenized Assets always pay the owner. Only Earn takes a recipient.
Exit and withdraw with one signature. In Earn and Credit, a bundle can combine the exit with a V2_TRANSFER_TO_EOA action, so the user signs once.

Gas Sponsorship

Pay gas for your users, so they never need ETH.

Embedded Fees

Earn a fee on deposits, withdrawals, loans and trades.

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Resources

1. Exit the position

2. Send tokens to the wallet

Good to know

Next

Gas Sponsorship

Embedded Fees

​1. Exit the position

​2. Send tokens to the wallet

​Good to know

​Next

Gas Sponsorship

Embedded Fees

1. Exit the position

2. Send tokens to the wallet

Good to know

Next