---
title: "Convert USD to Fiat"
method: POST
path: "/payments/convert"
tags: ["Conversion"]
---

# Convert USD to Fiat

`POST /payments/convert`

Convert USD balance to local fiat (NGN or GHS). Optionally specify a saved bank to credit.

## Request body

- object
  - `amount` number, required — Amount in USD to convert to fiat.
  - `currency` 'ngn' | 'ghs', required — Target fiat currency to convert into.
  - `bank` string — ID of a saved bank account to credit. When provided, PIN is required. Omit for conversion to wallet only.
  - `pin` string — Transaction PIN (required when bank is provided).

## Response `200`

Conversion completed successfully

## Other responses

- `400` — Bad request (e.g. conversion disabled, insufficient balance, duplicate)
- `401` — Invalid or missing API credentials
- `404` — Bank not found
- `422` — Request validation failed — check the errors array for field-level details
- `500` — An unexpected server error occurred

---

[API](https://skmtc.net/breet/apis/breet-public-api.md) · [All operations](https://skmtc.net/breet/apis/breet-public-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/breet/breet-public-api/revisions/5e7cf25847f7/schema)