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技术说明

概述

Offramp（出金）流程支持两种提现方式：自动提现和手动提现。

两种方式都会触发 balance-update 和 settlement-update Webhook 通知，但触发时机和内容有所不同。

自动提现流程

当调用 app/offrampsell 接口时传递 bank_id 参数，系统将执行自动提现流程。

触发顺序与示例

1. 交易成功

接口响应 (app/offrampsell):

{
    "quantity": "0.2000",
    "pair": "ETHEUR",
    "side": "sell",
    "created": "2026-02-03T07:14:14.494546Z",
    "trade_id": "bcab26c6-569d-450c-ba35-ea2973ef0327",
    "price": "1768.90",
    "network_fee": 0.12,
    "processing_fee": 13.923840000000002,
    "size": "383.78"
}

2. balance-update Webhook

类别: sell
触发时机: 加密货币卖出交易成功，法币余额增加

{
    "amount_after": "868.88586000",
    "amount_before": "485.1057",
    "amount_change": "383.78016000",
    "asset": "EUR",
    "category": "sell",
    "created_at": "2026-02-03T07:14:16.309842Z",
    "group": "trade",
    "reference_id": "bcab26c6-569d-450c-ba35-ea2973ef0327",
    "uid": "UID_dev7_phemex_DE11075"
}

3. settlement-update Webhook

类别: CRYPTO_RECEIVED
触发时机: 加密货币接收确认

{
    "amount": "0.20000000",
    "asset": "ETH",
    "category": "CRYPTO_RECEIVED",
    "reference": null,
    "settlement_id": "3556063d-4e28-4148-a2a5-945e5d9528e8",
    "status": "pending",
    "trade_id": "bcab26c6-569d-450c-ba35-ea2973ef0327",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T07:14:16.000000Z"
}

4. 自动提现开始

balance-update Webhook:
类别: WIRE_SENT
触发时机: 系统发起自动提现，扣除法币余额

{
    "amount_after": "485.10570000",
    "amount_before": "868.88586",
    "amount_change": "-383.78016",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "created_at": "2026-02-03T07:14:16.453463Z",
    "group": "settlement",
    "reference_id": "cfbb4c9c-58b9-4bc5-853c-757f8264435a",
    "uid": "UID_dev7_phemex_DE11075"
}

settlement-update Webhook:
类别: WIRE_SENT
状态: pending

{
    "amount": "353.78",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "settlement_id": "cfbb4c9c-58b9-4bc5-853c-757f8264435a",
    "status": "pending",
    "trade_id": "bcab26c6-569d-450c-ba35-ea2973ef0327",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T07:14:16.000000Z",
    "wire_fee": "30"
}

自动提现结果

成功情况

settlement-update Webhook:
状态: settled

{
    "amount": "353.78",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "settlement_id": "cfbb4c9c-58b9-4bc5-853c-757f8264435a",
    "status": "settled",
    "trade_id": "bcab26c6-569d-450c-ba35-ea2973ef0327",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T07:27:10.000000Z",
    "wire_fee": "30"
}

失败情况

取消 (canceled):

{
    "amount": "353.78",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "settlement_id": "c97ec803-0b33-4162-a413-7aa02635b0b8",
    "status": "canceled",
    "trade_id": "0e3e9a99-800f-458a-93ae-6872875abb6d",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T11:24:47.000000Z",
    "wire_fee": "30"
}

拒绝 (rejected):

{
    "amount": "353.78",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "settlement_id": "f868e06c-9fd4-42c0-b409-70c876421647",
    "status": "rejected",
    "trade_id": "d93c5ddd-34b8-4556-be4e-19ea493c0df2",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T10:20:41.000000Z",
    "wire_fee": "30"
}

余额回滚 (balance-update):

{
    "amount_after": "485.10586000",
    "amount_before": "101.3257",
    "amount_change": "383.78016000",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "created_at": "2026-02-03T10:20:41.649427Z",
    "group": "settlement",
    "reference_id": "f868e06c-9fd4-42c0-b409-70c876421647",
    "uid": "UID_dev7_phemex_DE11075"
}

手动提现流程

当调用 app/offrampsell 接口时不传递 bank_id 参数，用户需要后续调用 app/withdraw 发起提现。

触发顺序与示例

1. 交易成功（同自动提现）

{
    "quantity": "0.2000",
    "pair": "ETHEUR",
    "side": "sell",
    "created": "2026-02-03T10:29:05.625625Z",
    "trade_id": "7ce9d20f-c5f5-4ec0-9ff8-631a8a7165e4",
    "price": "1768.90",
    "network_fee": 0.12,
    "processing_fee": 13.923840000000002,
    "size": "383.78"
}

2. balance-update Webhook（同自动提现）

{
    "amount_after": "868.88602000",
    "amount_before": "485.10586",
    "amount_change": "383.78016000",
    "asset": "EUR",
    "category": "sell",
    "created_at": "2026-02-03T10:29:07.435587Z",
    "group": "trade",
    "reference_id": "7ce9d20f-c5f5-4ec0-9ff8-631a8a7165e4",
    "uid": "UID_dev7_phemex_DE11075"
}

3. settlement-update Webhook（同自动提现）

{
    "amount": "0.20000000",
    "asset": "ETH",
    "category": "CRYPTO_RECEIVED",
    "reference": null,
    "settlement_id": "977e8682-7be1-4155-9a82-c7dd71ec6371",
    "status": "pending",
    "trade_id": "7ce9d20f-c5f5-4ec0-9ff8-631a8a7165e4",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T10:29:07.000000Z"
}

4. 手动发起提现

接口响应 (app/withdraw):

{
    "result": "success",
    "message": "Your withdrawal request has been submitted successfully!",
    "amount_pay_to": "383.78",
    "asset_pay_to": "EUR"
}

5. 提现开始

balance-update Webhook:

{
    "amount_after": "485.10602000",
    "amount_before": "868.88602",
    "amount_change": "-383.78",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "created_at": "2026-02-03T10:29:11.258558Z",
    "group": "settlement",
    "reference_id": "8b05e947-4266-427f-92fb-fe116817f485",
    "uid": "UID_dev7_phemex_DE11075"
}

settlement-update Webhook:
注意: 手动提现的 settlement-update 不包含 trade_id 字段

{
    "amount": "353.78",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "settlement_id": "8b05e947-4266-427f-92fb-fe116817f485",
    "status": "pending",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T10:29:11.000000Z",
    "wire_fee": "30"
}

手动提现结果

成功情况

{
    "amount": "353.78",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "settlement_id": "8b05e947-4266-427f-92fb-fe116817f485",
    "status": "settled",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T10:51:29.000000Z",
    "wire_fee": "30"
}

失败情况

{
    "amount": "353.83",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "settlement_id": "235ae85b-e5b2-422d-a89f-d0457883c8f0",
    "status": "rejected",
    "txid": null,
    "uid": "UID_dev7_phemex_DE11075",
    "updated_at": "2026-02-03T11:20:08.000000Z",
    "wire_fee": "30"
}

余额回滚:

{
    "amount_after": "868.93618000",
    "amount_before": "485.10618",
    "amount_change": "383.83000000",
    "asset": "EUR",
    "category": "WIRE_SENT",
    "created_at": "2026-02-03T11:20:08.636094Z",
    "group": "settlement",
    "reference_id": "235ae85b-e5b2-422d-a89f-d0457883c8f0",
    "uid": "UID_dev7_phemex_DE11075"
}

关键差异总结

特性自动提现手动提现
触发方式app/offrampsell 传递 bank_idapp/offrampsell 不传 bank_id，后续调用 app/withdraw
交易与提现间隔立即自动执行可延迟，由用户决定提现时机
settlement-update 中的 trade_id始终包含不包含（仅提现相关通知）
balance-update 类别先 sell 后 WIRE_SENT先 sell 后 WIRE_SENT
失败处理自动回滚余额自动回滚余额

Updated 6 months ago

Updated 6 months ago