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

# Initiate a Pix to stablecoin transaction

> Start a Pix to stablecoin transaction for an approved client by specifying the amount, destination wallet, and target chain and token.

Every transaction requires an auth challenge before a Pix QR code is issued. The challenge type depends on the client's `riskTier` from KYC.

| Risk Tier | Auth Challenge |
| - | - |
| `STANDARD` | TOTP MFA (`MFA_TOTP`) |
| `HIGH` / `PEP` | Liveness verification (`LIVENESS`) |

## Request

**X-Mippo-API-Key** `string` *required*

Your API key.

**kycToken** `string` *required*

Token from `POST /v1/laas/kyc/submit`. Must not be expired.

**amountBrl** `number` *required*

Amount in BRL (R\$). Minimum: `50`. Maximum: `50000` per transaction.

**asset** `string` *required*

Stablecoin to receive: `"USDT"` or `"USDC"`.

**walletAddress** `string` *required*

EVM-compatible wallet address (EIP-55 checksum). Polygon network.

```json Request theme={null}
{
  "kycToken": "kyc_1719000000_abc123",
  "amountBrl": 500,
  "asset": "USDT",
  "walletAddress": "0xYourUserWalletAddress"
}
```

## Response

> [tab] Standard Risk
>
> **data.transactionId** `string`
>
> Transaction ID. Use in `confirm-mfa` and `status` calls.
>
> **data.status** `string`
>
> `PENDING_AUTH`
>
> **data.authChallenge.type** `string`
>
> `MFA_TOTP`
>
> **data.authChallenge.instruction** `string`
>
> Human-readable instruction to display to your user.
>
> ```json theme={null}
> {
>   "success": true,
>   "data": {
>     "transactionId": "tx_1719000000_xyz",
>     "status": "PENDING_AUTH",
>     "authChallenge": {
>       "type": "MFA_TOTP",
>       "instruction": "Request the 6-digit TOTP code from your user"
>     }
>   }
> }
> ```

> [tab] High Risk / PEP
>
> **data.authChallenge.type** `string`
>
> `LIVENESS`
>
> **data.authChallenge.livenessUrl** `string`
>
> URL to redirect the user to for liveness verification. Valid for 10 minutes.
>
> ```json theme={null}
> {
>   "success": true,
>   "data": {
>     "transactionId": "tx_1719000000_xyz",
>     "status": "PENDING_AUTH",
>     "authChallenge": {
>       "type": "LIVENESS",
>       "instruction": "User must complete liveness verification",
>       "livenessUrl": "https://partners.mippo.io/liveness/tx_1719000000_xyz"
>     }
>   }
> }
> ```
>
> > [!NOTE]
> >
> > When liveness passes, Supercosmos fires a `transaction.pix_ready` webhook with the `pixPayload`. You do not need to poll.


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.