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Rampnow supports a wide range of settlement rails that allow users to receive fiat after selling digital assets.
Each payout method has different speeds, supported currencies, and regional requirements. 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:
  1. Asset settlement — receiving and confirming the user’s crypto transfer
  2. Fiat settlement — sending fiat to the user’s chosen payout method
    Both parts are fully orchestrated by Rampnow’s infrastructure.

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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 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 using the selected rail (SEPA, Faster Payments, local rails, or instant payout methods).
The payout reference or order ID is generated at this stage if supported by the rail.Status transitions:
  • processing → payout prepared
  • initiated → payout submitted
  • processed → funds dispatched
  • completed → final confirmation

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Supported Payout Methods

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📌 Bank Transfers (Global)

These payout rails provide the widest fiat coverage.
RailRegionCurrenciesSpeedNotes
SEPA Credit TransferEUEURSame day or T+1Widely used across Europe
Faster Payments (FPS)UKGBPInstant–2hHighly reliable for UK users
Local Bank RailsVariousLocal currencySame day–T+2Country-specific payout networks

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⚡ Instant or Local Payment Systems

These methods are region-specific and typically faster than bank rails.
MethodRegionCurrencySpeedNotes
UPI / IMPSIndiaINRInstantReal-time consumer payouts
PIXBrazilBRLInstantMarket-standard payout rail
Support for local payout systems varies by user geography, regulatory requirements, and partner configuration.

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💳 Card Payouts (Roadmap)

MethodCurrencySpeedStatus
Visa DirectMulti-currencyInstant–30 minComing soon
Mastercard SendMulti-currencyInstantComing soon

Coming Soon

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

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Settlement Times Overview

Instant

SEPA Instant · UPI · PIX

Same Day

Faster Payments (UK) · Some local rails

T+1 / T+2

Normal SEPA · Bank transfers in selected countries
Settlement timing may vary based on banking cut-off times, weekends, holidays, user region, and compliance checks.

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Webhook Events for Settlement

Rampnow sends webhook updates for every stage of offramp settlement: 
{
  "orderUid": "asdasnd-askdjnasjkdn-aksdnaksdn",
  "externalOrderUid": "vsdasnd-askdjnasjkdn-aksdnaksdn",
  "createTime": "2024-10-01T11:59:45",
  "updateTime": "2024-10-01T12:00:00Z",
  "partnerGeneratedUid": "jkansdasd-asdjknasdkasd-aksdnasjdk",
  "orderType": "sell",
  "orderStatus": "processing | completed | failed",
  "paymentStatus": "settled",
  "paymentMode": "bank-transfer",
  "srcCurrency": "ETH",
  "srcChain": "ethereum",
  "srcAmount": 0.3,
  "dstCurrency": "EUR",
  "dstChain": "fiat",
  "dstAmount": 100,
  "walletAddress": "0xINF98983WKJENRIKjjDEER989",
  "walletAddressTag": "",
  "transactionHash": ["OxtransactionHash"]
}