Withdraw funds
Bink is built on Bitcoin, and the cleanest way to move money out of the app is to convert everything back into BTC and send it to a wallet you control. This guide walks through that end to end.
The four steps
Pay off any debt to release your collateral
Release funds from savings accounts (both BTC and USDC)
Swap any USDC into BTC
Send your BTC to an external wallet over Bitcoin L1 or Lightning
Step 1 — Pay off your debt and release your collateral
If you've borrowed USDC against your bitcoin, your BTC is locked as collateral and Bink won't let you send it anywhere until the loan is closed. Repaying releases that BTC back into your available balance.
From the home screen, open Borrow.
You'll see your Currently Borrowing amount in USDC and your Collateral in BTC. Tap Repay.
Enter the full amount you owe, or tap Max to repay everything in one go. You'll need at least that amount of USDC available to cover it. Click Repay.
Confirm Repay.
Once the repayment goes through, your collateral BTC moves from "locked" back to your available bitcoin balance, and you're free to swap or send it. The whole process takes a few seconds.
Step 2 — Withdraw any funds from savings
If you've been earning yield on BTC or USDC, those funds sit in a separate savings balance and need to be moved back to your available balance before you can swap or send them. Funds in savings can't be spent or transferred directly.
You'll need to do this once for each asset you have in savings — once for BTC, once for USDC, or both.
From the home screen, tap the asset you want to withdraw from savings (BTC or USDC).
Tap Withdraw.
Enter the amount, or tap Max to move everything from savings to available.
Review the summary — funds move From: Earnings Balance To: Available Balance — and confirm.
The transfer happens immediately.
If you have both BTC and USDC in savings, repeat the steps for the second asset before moving on.
Step 3 — Swap your USDC into BTC
Bink currently offramps in BTC only — directly to Bitcoin L1, or over Lightning. Sending USDC out to another chain (like Ethereum or Base) is not available. To get your dollars off the platform, you'll convert them to BTC first.
Open the Swap tab from the bottom navigation.
Set the top field (From) to USDC and the bottom field (To) to BTC.
Tap Max to swap everything, or enter a specific amount.
Check the rate and the fee shown beneath the Swap button, then tap Swap to confirm.
Step 4 — Send your BTC to an external wallet
Now that everything is consolidated into BTC, you can send it out. Bink supports two networks for this: Bitcoin L1 (the main Bitcoin network) and Lightning.
Which should you pick?
Bitcoin L1 — best for larger amounts, or when you're sending to a hardware wallet, an exchange, or any wallet that doesn't support Lightning. Takes about 10 minutes on average to arrive (two block confirmations).
Lightning — best for smaller, everyday amounts. Instant, and tiny network fees. Your receiving wallet has to support Lightning.
Sending to Bitcoin L1
From the home screen, open Transfer → Pay.
Paste or scan the receiving BTC address from your external wallet. Double-check the first and last few characters match — Bitcoin transactions can't be reversed.
Enter the amount in dollars or BTC. Tap Max to send everything.
Review the summary: amount, destination, and network fee.
Confirm.
The funds leave Bink almost immediately. They typically arrive in your external wallet within around 10 minutes, once the Bitcoin network has confirmed the transaction twice.
Sending over Lightning
In your external Lightning wallet, generate an invoice for the amount you want to receive. Copy the invoice string (it starts with
lnbc...).In Bink, open Transfer → Pay.
Paste the Lightning invoice. Bink will read the amount from the invoice automatically.
Confirm the transaction.
The payment is instant — funds arrive in the receiving wallet within seconds.
You're done
That's it. Your funds are now back in a wallet you control, off of Bink.
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