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To return money to the user’s bank, first sell positions to raise cash in the wallet, then withdraw against the funding source you connected earlier. You need the INVESTOR_ID and FUNDING_SOURCE_ID from Fund the wallet.

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Step 1 — Sell to raise cash

Sell requires quantity. 
curl -X POST "$BASE_URL/investors/$INVESTOR_ID/orders" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "symbol": "AAPL",
    "side": "sell",
    "type": "market",
    "time_in_force": "day",
    "quantity": "10"
  }'
Wait for the sell order to reach filled before withdrawing — proceeds settle into the wallet on fill.

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Step 2 — Withdraw

funding_source_id is required for withdrawals. 
curl -X POST "$BASE_URL/investors/$INVESTOR_ID/withdrawals" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: wd-$(uuidgen)" \
  -d '{
    "amount": "1000.00",
    "currency": "USD",
    "method": "ach",
    "description": "Withdrawal to checking account",
    "funding_source_id": "'"$FUNDING_SOURCE_ID"'"
  }'

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Response

{
  "id": "wd_9i8h7g6f5e4d3c2b",
  "object": "withdrawal",
  "amount": "1000.00",
  "currency": "USD",
  "method": "ach",
  "status": "pending",
  "funding_source_id": "fs_7h8g9f0e1d2c3b4a",
  "created_at": "2026-07-01T15:00:00Z"
}
Withdrawal status progresses pending → processing → completed, or ends cancelled / failed. Cancel a still-processing withdrawal with POST /v1/investors/{id}/withdrawals/{wd_id}/cancel.
Send an Idempotency-Key header on every withdrawal. It prevents a retry after a timeout from moving the money twice.
For settlement timing and supported methods (ach, wire, international_wire, manual_bank_transfer), see Funding.
Next → Webhooks.