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+# How to Use Chimoney’s Interledger Wallet Address Payout Endpoint
+> Endpoint: `/payouts/interledger-wallet-address`
+
+In this tutorial, we’ll walk through how to integrate Chimoney's API to send payouts to an Interledger Wallet Address. This will allow you to make cross-border payments using a digital wallet. By the end, you'll know how to test the endpoint, troubleshoot common errors, and integrate it into your app.
+
+---
+
+## 🧰 Prerequisites
+
+Before diving in, make sure you have the following:
+
+- 🔐 **Chimoney Developer Account**  
+  Create one here: [chimoney.io/developers-api](https://chimoney.io/developers-api)
+  
+ Your sandbox account comes preloaded with $1000 (10,000 Chimoney) for testing purposes.
+
+- 🔑 **API Key**  
+  Grab it from your dashboard. Need help? [Watch this video](https://www.loom.com/share/436303eb69c44f0d9757ea0c655bed89?sid=b6a0f661-721c-4731-9873-ae6f2d25780)
+
+- 💳 **Interledger Wallet Address**  
+  Found on your dashboard after login. It will look something like:  
+  `https://ilp-sandbox.chimoney.com/your-unique-id`
+
+- 🧪 **API Testing Tools (Optional)**  
+  You can use the following tools to test the API:
+  - **Postman:** Import the collection [here]([link-to-collection](https://documenter.getpostman.com/view/26097715/2sA3kXCzD2#c311f506-2938-440b-abe9-dc232530a84f))
+  - **cURL:** Example command:
+    ```bash
+    curl -X POST https://api.chimoney.io/v0.2.4/payouts/interledger-wallet-address -H "Authorization: Bearer <your_api_key>" -d '{"amount": "100", "currency": "USD", ...}'
+    ```
+  - Your favorite HTTP client (e.g. Axios, Fetch)
+
+- 🧠 **Basic Knowledge of REST APIs**  
+  You will be working with `POST` requests and JSON payloads.
+
+---
+
+## 🚀 Test the Endpoint in the API Explorer
+
+Let us make a test call using Chimoney’s Swagger (API explorer):
+
+1. Go to [Chimoney’s API Explorer](https://api.chimoney.io/v0.2.4/api-docs/#/Payouts/post_v0_2_4_payouts_interledger_wallet_address)
+2. Switch to `sandbox mode` (top-left dropdown)
+
+![Sandbox dropdown](./images/server-dropdown-sandbox.png)
+
+3. Click **Authorize** and paste your API key
+This step authenticates your requests, letting the API know that you have permission to interact with the endpoint.
+
+5. [Click here](https://api.chimoney.io/v0.2.4/api-docs/#/Payouts/post_v0_2_4_payouts_interledger_wallet_address) to go directly to the `POST /payouts/interledger-wallet-address` section in the API Explorer.
+6. Replace the `interledgerWalletAddress` field with your own ILP address
+7. Hit **Execute**!
+
+Now, your first test payout should go through if everything is set up correctly!
+
+---
+
+## 🛠 Common Errors and How to Fix Them
+
+### ❌ Error: `CAD is not enabled for the interledger Wallet Address`
+
+```json
+{
+  "status": "error",
+  "message": "CAD is not enabled for the interledger Wallet Address (Payment Pointer), https://ilp-sandbox.chimoney.com/********"
+}
+```
+
+### 💡 Why it happens:
+Some wallets are configured to only support certain currencies. For instance, if your ILP wallet is set up for USD, it won’t process requests in CAD due to system limitations or regulatory reasons.
+
+### ✅ Fix: Change both currency fields to USD:
+```json
+"currency": "USD",
+"debitCurrency": "USD"
+```
+
+**🕵️‍♀️ Pro tip:** Open your ILP wallet address in a browser to confirm supported assets.
+
+
+![ILP assets](./images/ilp-browser.png)
+
+### ❌ Error: `sender must be a valid Chimoney user ID`
+
+### 💡 Why it happens:
+You have either included an invalid subAccount or do not need one.
+
+### ✅ Fix:
+
+- Don’t have a subAccount? Just remove the field.
+
+- Or go to your dashboard → Transactions tab → copy your user ID.
+
+---
+
+## Other API Responses
+If everything checks out, you should see a success response like this:
+
+### ✅ 200 OK – Success
+```json
+{
+  "status": "success",
+  "message": "Chimoney payout to Interledger wallet completed successfully",
+  "data": {
+    "paymentLink": "https://sandbox.chimoney.io/pay/?issueID=...",
+    "chimoneys": [
+      {
+        "interledgerWalletAddress": "https://ilp-sandbox.chimoney.com/your-id",
+        "amount": 200,
+        "currency": "USD",
+        "chiRef": "some-unique-id"
+      }
+    ],
+    "redeemLink": "https://sandbox.chimoney.io/redeem/?chi=..."
+  }
+}
+```
+Use the `paymentLink` or `redeemLink` to simulate or test payouts end-to-end.
+
+In addition to successful payouts, you may encounter a variety of other responses from the API. Below are some examples and how to troubleshoot them.
+### ⚠️ 400 / 401 / 403 – Invalid or Unauthorized Request
+
+```json
+{
+  "status": "error",
+  "error": "sender must be a valid Chimoney user ID"
+}
+```
+
+Or:
+
+```json
+{
+  "status": "error",
+  "message": "Unauthorized – API key missing or invalid"
+}
+```
+
+Refer to the **Common Errors** section above to resolve these.
+
+### 💥 500 – Internal Server Error
+```json
+{
+  "status": "error",
+  "type": "InternalError",
+  "code": "SERVER_ERROR",
+  "message": "Something went wrong"
+}
+```
+If this happens, double-check your payload format or retry later.
+
+---
+
+## Wrapping Up
+That is it! At this point, you should be able to:
+
+- Create a Chimoney developer account and generate an API key
+
+- Authenticate using your API key
+
+- Locate and use your ILP wallet address
+
+- Make a test payout request via the API Explorer
+
+- Troubleshoot common errors like currency mismatch or sender ID issues
+
+### 🎯 Next Step: Integrate the API in your project
+
+Now that you are all set up, let us write some code and make payouts from your app using this [tutorial guide](./tutorial.md).
+
+**Happy building!** 🙌
diff --git a/submissions/payout-mercyoyelude2/tutorial.md b/submissions/payout-mercyoyelude2/tutorial.md
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+# How to Make Payouts to Interledger Wallets Using Chimoney’s API
+
+In this tutorial, you will learn how to integrate Chimoney’s `/payouts/interledger-wallet-address` endpoint into your existing project and send live payouts using your wallet-enabled Chimoney account.
+
+---
+
+## What You’ll Build
+
+- Configure your environment
+- Build a payout service with Chimoney’s API
+- Handle real-world errors (like currency mismatches)
+- Test your first ILP payout
+
+---
+
+## Prerequisites
+
+Before you start, make sure you have completed the [Setup Guide](./setup.md). You should already have:
+- A Chimoney developer account
+- Your API key
+- Your ILP wallet address
+- Tested the `payouts to interledger wallet address` endpoint
+
+Additionally;
+- Basic knowledge of RESTful APIs
+- Node.js and npm/yarn installed
+- Axios for HTTP requests
+
+With that out of the way, let us dive in.
+
+---
+
+## Project Structure
+
+Here is what your folder might look like:
+
+```bash
+chimoney-payouts/
+├── .env
+├── src/
+│   ├── config.js
+│   ├── services/
+│   │   └── chimoneyService.js
+│   └── index.js
+├── package.json
+└── README.md
+```
+
+## Step 1: Configuration & Setup
+
+### Install Dependencies
+
+```bash
+mkdir chimoney-payouts && cd chimoney-payouts
+npm init -y
+npm install axios dotenv
+```
+
+### Environment Variables
+
+Create `.env`:
+
+```js
+CHIMONEY_API_KEY=your_api_key_here
+CHIMONEY_ENV=sandbox # or "production"
+
+ILP_WALLET_ADDRESS=https://ilp-sandbox.chimoney.com/your-id
+```
+
+---
+
+### Configuration Module (`config.js`)
+
+```js
+import dotenv from "dotenv";
+dotenv.config();
+
+export const config = {
+  apiKey: process.env.CHIMONEY_API_KEY,
+  baseUrl:
+    process.env.CHIMONEY_ENV === "production"
+      ? "https://api-v2.chimoney.io/v0.2.4"
+      : "https://api-v2-sandbox.chimoney.io/v0.2.4",
+  headers: {
+    Accept: "application/json",
+    "Content-Type": "application/json",
+    "X-API-KEY": process.env.CHIMONEY_API_KEY,
+  },
+};
+```
+
+---
+
+## Step 2: Build the Chimoney Interledger Service
+Now that your configuration is set up, it is time to write the code that will send a payout to an Interledger wallet using Chimoney’s API. Let us start by creating a reusable service class.
+
+### Create `chimoneyService.js`:
+
+```js
+import axios from "axios";
+import { config } from "./config.js";
+
+class ChimoneyService {
+  constructor() {
+    this.client = axios.create({
+      baseURL: config.baseUrl,
+      headers: config.headers,
+    });
+  }
+
+  async sendInterledgerPayout({ walletAddress, amount, narration, collectionPaymentIssueID = "" }) {
+    try {
+      const payload = {
+        turnOffNotification: false,
+        debitCurrency: "USD",
+        interledgerWallets: [
+          {
+            interledgerWalletAddress: walletAddress,
+            currency: "USD",
+            amountToDeliver: amount,
+            narration,
+            collectionPaymentIssueID, // optional but great for tracking payouts
+          },
+        ],
+      };
+
+      const res = await this.client.post("/payouts/interledger-wallet-address", payload);
+      return res.data;
+    } catch (err) {
+      if (err.response) {
+        console.error("Chimoney API error:", err.response.data);
+        throw err.response.data;
+      }
+      throw err;
+    }
+  }
+}
+
+export default ChimoneyService;
+```
+
+---
+
+## Step 3: Usage Example (`index.js`)
+In this step, you will see how to **bring everything together**.
+We will import the Chimoney service, provide an Interledger wallet address, set an amount and narration, then trigger a payout. This example also shows how to capture success responses and gracefully handle errors.
+
+```js
+import ChimoneyService from "./chimoneyService.js";
+import dotenv from "dotenv";
+dotenv.config();
+
+(async () => {
+  const service = new ChimoneyService();
+
+  const walletAddress = process.env.ILP_WALLET_ADDRESS; // e.g., https://ilp-sandbox.chimoney.com/your-id
+  const amount = 10; // USD
+  const narration = "Freelance payout for job #123";
+  const collectionPaymentIssueID = "job-123-issue";
+
+  try {
+    const result = await service.sendInterledgerPayout({
+      walletAddress,
+      amount,
+      narration,
+      collectionPaymentIssueID,
+    });
+    console.log("Payout Success:", result);
+  } catch (error) {
+    const res = error.response;
+    console.error("Payout Failed:", {
+        status: res?.status,
+        message: res?.data?.message || res?.data?.error || error.message
+    });
+    // handle error messages, e.g.:
+    // if errorData.message includes "CAD is not enabled."
+    // if errorData.error includes "valid Chimoney user ID"
+  }
+})();
+```
+---
+
+## How It Works (Behind the Scenes)
+
+1. You make a `POST` request to the `/payouts/interledger-wallet-address` endpoint
+2. Chimoney authenticates your API key
+3. Chimoney deducts the amount from your wallet
+4. The ILP wallet address receives the payout (in supported currency)
+5. A response is returned with `chiRef`, status, and optionally a `paymentLink`
+
+---
+
+## Handling Errors & Troubleshooting
+Chimoney’s API may return various errors depending on your inputs or environment. Below are common issues and how to resolve them:
+
+| **Code** | **Description**   | **Example Message**                                                | **How to Fix**                                                                 |
+|----------|-------------------|--------------------------------------------------------------------|--------------------------------------------------------------------------------|
+| **200**  | Success           | `"Payout to Chimoney wallets completed successfully."`             | No action needed.                                                              |
+| **400**  | Validation error  | `"The request parameters are invalid."`                            | Double-check request body (wallet address format, required fields, etc.).      |
+| **401**  | Unauthorized      | `"API key is not defined. Generate a new one from the developer portal."` | Ensure your API key is set in `.env` and passed in headers.                    |
+| **403**  | Forbidden         | `"API Access not enabled for account Test. Email support@chimoney.io"` | Contact Chimoney support to enable API access for your account.                |
+| **500**  | Server error      | `"An internal server error occurred."`                             | Retry after a short delay. If persistent, reach out to Chimoney support.       |
+
+---
+
+## You Did It
+
+You just:
+- Set up your environment
+- Made a successful payout to an Interledger wallet
+- Learned how to handle and debug errors
+
+
+That’s it for the setup!
+
+_Next up: Extend this into a backend job or admin panel!_
+
diff --git a/submissions/payout-mercyoyelude2/use-case.md b/submissions/payout-mercyoyelude2/use-case.md
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+# Global Payment via Chimoney’s Interledger Wallet Address
+---
+
+## 📘 Scenario
+
+You are running a global hackathon, write-a-thon that will be rewarding participants across borders. Rather than managing complex banking setups for each country, you want to send fast, secure payments directly to Interledger-enabled wallets using Chimoney.
+
+---
+
+## 🚀 Why This Use Case?
+
+- 🌎 Pay participants across borders without worrying about banking differences
+- ⚡ Instant value transfer via Interledger Protocol (ILP)
+- 💵 Support multiple currencies like USD
+- 📱 Easy integration into your existing backend or platform
+
+---
+
+## 🔄 Flow Overview
+
+### 🪜 Flow - Step-by-Step
+
+1. ✅ **Winners Announced:** Hackathon winners are announced.
+2. 🧮 **Payout Calculated:** Your backend calculates how much to send.
+3. 🛰 **API Call Sent:** Your app sends a `POST` request to the `/payouts/interledger-wallet-address` endpoint with:
+   - Their ILP address
+   - Amount in USD
+   - Narration
+4. 💸 **Chimoney Handles Transfer:** Chimoney routes and completes the payout to the ILP wallet.
+5. 📬 **Notification (Optional):** You can trigger an email or in-app notification to the freelancer.
+
+### 📊 Flow Diagram
+
+![ILP Payout Flow](./images//flow-diagram.png)
+---
+
+## 🧰 Prerequisites
+
+- ✅ Chimoney Developer Account ([Create one](https://sandbox.chimoney.io/))
+- 🔑 API Key (Grab from dashboard)
+- 🌐 Valid Interledger Wallet Address (`https://ilp-sandbox.chimoney.com/<your-id>`)
+- 🛠 Postman, Curl, or your preferred HTTP client
+
+---
+
+## 📤 Sending the Payout
+
+Here’s a real request example using the `/payouts/interledger-wallet-address` endpoint:
+
+```json
+POST /v0.2.4/payouts/interledger-wallet-address
+Host: api-v2-sandbox.chimoney.io
+
+Headers:
+  X-API-KEY: Bearer YOUR_API_KEY
+
+Body:
+{
+  "turnOffNotification": false,
+  "debitCurrency": "USD",
+  "interledgerWallets": [
+    {
+      "interledgerWalletAddress": "https://ilp-sandbox.chimoney.com/your-id",
+      "currency": "USD",
+      "amountToDeliver": 10,
+      "narration": "Congratulations on emerging hackathon winner!",
+      "collectionPaymentIssueID": "hackathon-001"
+    }
+  ]
+}
+```
+
+✅ Success Response
+
+```json
+{
+  "status": "success",
+  "message": "Chimoney payout to Interledger wallet completed successfully",
+  "data": {
+    "paymentLink": "https://sandbox.chimoney.io/pay/?issueID=...",
+    ...
+  }
+}
+```
+
+---
+
+## ❗ Common Errors
+
+### 🛑 CAD is not enabled
+
+```json
+{
+  "status": "error",
+  "message": "CAD is not enabled for the interledger Wallet Address..."
+}
+```
+
+**Fix:** Use "USD" for both currency and debitCurrency
+
+### 🛑 Invalid Chimoney User ID
+```json
+{
+  "error": "sender must be a valid Chimoney user ID"
+}
+```
+**Fix:** Remove or correct the subAccount field.
+
+---
+
+## 💡 Wrap-up
+Not limited to one-time payments, with just a few lines of code, you can automate freelancer/employees payouts globally. Chimoney + Interledger makes cross-border payments smooth, developer-friendly, and scalable.
+
+### ✨ Real-World Extensions
+Here are more ways to apply this payout flow:
+
+- #### Open-source contributor rewards
+Automate thank-you payouts for contributors using their ILP wallet address (e.g. via GitHub Actions or Discord bots).
+
+- #### Content creation platforms
+Pay writers, creators, or community moderators directly based on engagement or content milestones.
+
+- #### Job boards or marketplaces
+Trigger seamless payouts to service providers upon completion of gigs or tasks.
+
+- #### Hackathons and community events
+Send rewards at scale without dealing with traditional banking headaches.
+
+---
+
+## Next Step:
+🎯 Integrate this API flow into your backend and trigger payouts with this [tutorial](./tutorial.md)!
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