curl --request POST \
  --url https://api-sandbox.circle.com/v1/businessAccount/payouts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '{
  "idempotencyKey": "ba943ff1-ca16-49b2-ba55-1057e70ca5c7",
  "destination": {
    "type": "wire",
    "id": "b8627ae8-732b-4d25-b947-1df8f4007a29"
  },
  "amount": {
    "amount": "3.14",
    "currency": "USD"
  },
  "toAmount": {
    "currency": "USD"
  }
}'

{
  "data": {
    "id": "b8627ae8-732b-4d25-b947-1df8f4007a29",
    "sourceWalletId": "53535335",
    "destination": {
      "type": "wire",
      "id": "b8627ae8-732b-4d25-b947-1df8f4007a29",
      "name": "COMMERZBANK AG ****3000"
    },
    "amount": {
      "amount": "3.14",
      "currency": "USD"
    },
    "toAmount": {
      "amount": "3.14",
      "currency": "USD"
    },
    "fees": {
      "amount": "3.14",
      "currency": "USD"
    },
    "status": "pending",
    "trackingRef": "CIR-6ESOQANEP3NAO",
    "errorCode": "insufficient_funds",
    "riskEvaluation": {
      "decision": "approved",
      "reason": "3000"
    },
    "adjustments": {
      "fxCredit": {
        "amount": "3.14",
        "currency": "USD"
      },
      "fxDebit": {
        "amount": "3.14",
        "currency": "USD"
      }
    },
    "return": {
      "id": "b8627ae8-732b-4d25-b947-1df8f4007a29",
      "payoutId": "abdb500d-4a59-457c-801f-2d418c8703ac",
      "amount": {
        "amount": "3.14",
        "currency": "USD"
      },
      "fees": {
        "amount": "3.14",
        "currency": "USD"
      },
      "reason": "payout_returned",
      "status": "pending",
      "createDate": "2020-04-10T02:13:30.000Z",
      "updateDate": "2020-04-10T02:13:30.000Z"
    },
    "createDate": "2020-04-10T02:13:30.000Z",
    "updateDate": "2020-04-10T02:13:30.000Z"
  }
}