# Disbursement Overview

The Padiwise Disbursement API enables you to initiate payouts from your Monnify Wallet to any bank account in Nigeria.

**Rate limits are applied to sensitive endpoints (20 requests per minute).**

To make transfers using the Padiwise transfer APIs, you have to initiate a transfer. You can initiate single transfers by making a POST request to the Initiate Transfer (Single) API.

**How Transfers Work**

When a transfer request is initiated, it goes through a sequence of processes:

* Request validation
* Transfer creation
* Approval checks
* Queue transfer
* Await processor


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# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://padiwise.gitbook.io/padiwise/disbursement/overview.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.