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

# List fiat payment capabilities

> Discover live on-ramp and off-ramp routes, plus final fiat recipient instruments for off-ramps.

```text theme={null}
GET /api/payment-capabilities
```

**Authentication:** none. This public API is shared by personal and partner
clients.

## Request

This endpoint has no parameters or request body.

```bash theme={null}
curl -sS "$AGENTBANK_BASE_URL/api/payment-capabilities"
```

## Response

```json theme={null}
{
  "capabilities": [
    {
      "fiat_currency": "VND",
      "routes": [
        {
          "direction": "off_ramp",
          "supported_payment_instruments": ["bank_transfer", "qr"],
          "recipient_requirements": [
            {
              "payment_instrument": "bank_transfer",
              "country": "VN",
              "required_fields": ["country", "bank_name", "account_number", "holder_name"]
            },
            {
              "payment_instrument": "qr",
              "country": "VN",
              "required_fields": ["qr_content"]
            }
          ]
        },
        {
          "direction": "on_ramp"
        }
      ]
    }
  ]
}
```

| Field | Meaning |
| - | - |
| `fiat_currency` | The ISO-4217 fiat rail/currency. It is the currency-level country rail used by payment creation. |
| `direction` | `on_ramp` means the fiat-to-crypto corridor is live; `off_ramp` means crypto-to-fiat. |
| `supported_payment_instruments` | Present only for `off_ramp`; any of `qr`, `bank_transfer`, or `mobile_money` available for the final fiat recipient. |
| `recipient_requirements` | Present only for `off_ramp`; country, instrument, and required fields for the final fiat recipient. |

The response is derived from unexpired quote-book snapshots and can change. It
does not expose providers, rates, liquidity, an individual end user's readiness,
or a reservation. `recipient_requirements` can be empty for legacy live quotes.
Use [Get payment instrument schemas](./payment-instrument-schemas) to build
fields and estimate/create to make the final decision. An on-ramp intentionally
has no recipient fields here: its final recipient is a crypto address, not a
saved fiat recipient.