Rampnow currently only supports EUR via SEPA for its off-ramp infrastructure, allowing users to receive fiat after selling digital assets within standard SEPA processing times. This page explains how settlement works, what payout rails are available and what partners need to consider when integrating the Offramp.

Settlement consists of two parts:

Asset settlement — receiving and confirming the user’s crypto transfer
Fiat settlement — sending fiat to the user’s chosen payout method
Both parts are fully orchestrated by Rampnow’s infrastructure.

How Settlement Works

1. Crypto Received & Confirmed

When a user sends digital assets:

Rampnow detects the on-chain transfer
Confirms the required number of network confirmations
Locks the quote (payout is now guaranteed)
Updates the order status to processing (payment status becomes received)

Confirmations depend on network conditions and chain security parameters.

2. Conversion to Fiat

Once assets are received, Rampnow converts the tokens into the payout fiat currency using connected liquidity.What happens here:

Token → Fiat conversion
FX rate applied
Payout fee calculated
Optimal payout rail selected

This conversion process is nearly instant for supported chains and tokens.

3. Fiat Payout Execution

Rampnow initiates a payout via SEPA.
The payout reference or order ID is generated at this stage if supported by the rail.Status transitions:

processing → conversion + payout in progress
completed → fiat delivered, order complete

A settlement that cannot be completed ends in failed (retried/re-settled by Rampnow) or blocked (funds refunded).

Supported Payout Methods

📌 Bank Transfers

Rampnow currently supports EUR payouts via SEPA only. Additional currencies and rails are on the roadmap.

Rail	Region	Currencies	Speed	Notes
SEPA Credit Transfer	EU	EUR	Same day or T+1	Widely used across Europe

💳 Card Payouts (Roadmap)

Method	Currency	Speed	Status
Visa Direct	Multi-currency	Instant–30 min	Coming soon
Mastercard Send	Multi-currency	Instant	Coming soon

Coming Soon

Rampnow is adding global card payout support for instant, card-to-bank withdrawals.

Settlement Times Overview

Same Day

SEPA Credit Transfer

T+1

SEPA Credit Transfer (bank cut-off dependent)

Settlement timing may vary based on banking cut-off times, weekends, holidays and user region.

Webhook Events for Settlement

Rampnow sends webhook updates for every stage of offramp settlement:

{
  "createdAt": "2024-10-01T12:00:00Z",
  "eventUid": "853d470c-db91-4c6e-9724-acfccd138306",
  "eventType": "ramp_order.status_change",
  "payload": {
    "orderUid": "asdasnd-askdjnasjkdn-aksdnaksdn",
    "externalOrderUid": "vsdasnd-askdjnasjkdn-aksdnaksdn",
    "createTime": "2024-10-01T11:59:45",
    "updateTime": "2024-10-01T12:00:00Z",
    "orderType": "sell",
    "orderStatus": "completed",
    "paymentStatus": "received",
    "paymentMode": "sepa",
    "srcCurrency": "ETH",
    "srcChain": "ethereum",
    "srcAmount": 0.3,
    "dstCurrency": "EUR",
    "dstChain": "fiat",
    "dstAmount": 100,
    "walletAddress": "0xINF98983WKJENRIKjjDEER989",
    "transactionHash": ["OxtransactionHash"]
  }
}

Learn about Rampnow

Resources

Onramp

Offramp

Settlement Methods

How Settlement Works

Supported Payout Methods

📌 Bank Transfers

💳 Card Payouts (Roadmap)

Coming Soon

Settlement Times Overview

Same Day

T+1

Webhook Events for Settlement

​How Settlement Works

​Supported Payout Methods

​📌 Bank Transfers

​💳 Card Payouts (Roadmap)

Coming Soon

​Settlement Times Overview

Same Day

T+1

​Webhook Events for Settlement

How Settlement Works

Supported Payout Methods

📌 Bank Transfers

💳 Card Payouts (Roadmap)

Settlement Times Overview

Webhook Events for Settlement