Skip to main content
Rampnow provides a unified reporting framework so partners can track payout funding, FX conversion, settlement status, and reconciliation across all corridors (INR, USD, EUR, PHP, IDR).
All payouts are funded in USDC or USDT, with fiat settlement performed through local payout rails.
You receive reporting across three dimensions:
(1) Funding → (2) FX Conversion → (3) Settlement.
Each transfer order maintains full traceability through reference, walletUid, and traceId.

​
Settlement Flow Overview

1. Stablecoin Funding Received

After a transfer order is created, Rampnow detects the incoming USDC/USDT transaction on the specified chain.
Funding details logged:
  • Sender address
  • Network
  • Transaction hash
  • Confirmed amount

2. FX Conversion Logged

Rampnow converts crypto → fiat based on the live corridor FX routing engine.
Stored reporting fields:
  • FX rate applied
  • Spread (if applicable)
  • Converted fiat amount
  • Timestamp

3. Payout Execution

Rampnow triggers the fiat payout (IMPS, ACH, SEPA, SWIFT, PHP/IDR rails).
Settlement logs include:
  • Payout reference
  • Bank transaction ID (if available)
  • Beneficiary details
  • Rail used
  • Estimated arrival time

4. Completion & Reconciliation

Final state of the payout is recorded and available via API & webhook:
  • completed
  • failed
  • processing
  • reversed (rare cases)

​
What You Can Track

​
Funding Reports

Funding-level fields include:
FieldDescription
cryptoTxnInfo.amountAmount of USDC/USDT received
cryptoTxnInfo.chainNetwork used for funding
cryptoTxnInfo.transactionHashOn-chain hash
cryptoTxnInfo.statusConfirmations status
expiryFunding deadline for the order

​
FX Conversion Logs

Every payout records the FX routing details:
FieldDescription
srcamountCrypto-equivalent amount
srccurrencyShould be USDC/USDT
dstamountAmount that will be delivered to beneficiary
dstcurrencyINR / USD / EUR / PHP / IDR
exchangeRateFX rate applied
timestampConversion timestamp
FX rates are locked at the time of conversion, ensuring deterministic payout amounts.

​
Settlement Reports

Once a payout reaches the banking system:
FieldDescription
bankTxnInfo.receiverFull beneficiary payout details
bankTxnInfo.senderRampnow or partner settlement account
bankTxnInfo.messageBank-side reference message
bankTxnInfo.feeAny rail-specific charges
payment.statusprocessing, completed, or failed
redirectUrlAdditional info if redirect-based payout is used

​
Reconciliation Workflow

1. Match internal reference

Use your own reference field (sent in CreateTransferOrder) to link each payout to your internal system.

2. Validate funding

Match the incoming crypto transaction hash with your blockchain logs.

3. Check settlement status

Call the Transfer Order APIs or subscribe to webhooks to track final payout state.

4. Download payout ledger

Export combined payout logs (coming soon as CSV download).

​
Webhook-Based Reporting

Webhook events ensure your system stays updated even without polling. Example event types:
Event TypeDescription
payout.createdTransfer order initiated
payout.funding_confirmedUSDC/USDT received
payout.fx_convertedCrypto → fiat conversion logged
payout.processingPayout sent to bank
payout.completedRecipient received funds
payout.failedRejected due to compliance or bank error

​
Webhook Payload Example

{
  "event": "payout.completed",
  "data": {
    "payoutId": "payout_123",
    "reference": "internal_20250101_0032",
    "dstCurrency": "INR",
    "dstAmount": "10000",
    "fxRate": "82.11",
    "completedAt": "2025-01-10T12:45:30Z"
  },
  "traceId": "abc123xyz"
}
Webhook retries and HMAC signature verification are supported (docs coming soon).

​
Ledger & Exporting (Coming Soon)

Rampnow will provide:
  • Full payout ledger exports (CSV, JSON)
  • Funding ledger with on-chain deposits
  • FX ledger including rates + timestamps
  • Settlement ledger per corridor
Each ledger will be downloadable directly from the Partner Dashboard.

​
Best Practices

  • Store reference + traceId for every payout
  • Subscribe to webhooks instead of polling
  • Log FX rates inside your system for audit purposes
  • Use daily ledger exports for accounting reconciliation
  • Match your internal batch IDs with Rampnow’s transfer orders

Next: FX Routing

Learn how Rampnow determines FX rates and corridor pricing.