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Cash-out moves USDC from the end user’s Archer smart wallet to a fiat bank account through Bridge. It has two phases: onboarding (KYC and adding a payout account) and execution (preparing, authorizing, and submitting a wallet intent).

1. Check Bridge status

If kyc_status is anything other than "approved", kick off verification:
The returned kyc_link / tos_link open Bridge’s hosted flows. Poll getBridgeStatus() until both are complete.

2. Add a payout account

Once KYC is approved, add an external bank account:
An end user may have several. List them with client.listExternalAccounts().

3. Prepare the cash-out

prepareCashOut ensures a liquidation address exists, builds an ERC-20 transfer intent to it, and asks the Archer API to prepare a user operation for the end user’s smart wallet.

4. Have the host authorize the intent

Archer never signs on behalf of the end user. Your app owns the wallet-authorization surface (typically Privy) and returns a signed payload:
See Wallet authorization for the exact contract.

5. Submit

Archer relays the user operation on-chain. Bridge picks up the transfer at the liquidation address and settles fiat to the linked bank account.

Full example