> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rampnow.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Convert crypto into global payouts, payroll, vendor payments and remittances using Rampnow’s unified payout engine.

Rampnow enables businesses to **receive crypto and pay out fiat globally**—including EUR, GBP, USD, INR, PHP, IDR and more.\
Whether you're running **payroll**, **contractor payments**, **vendor settlement**, or **customer remittances**, Rampnow provides a unified and automated payout infrastructure.

<Note>
  This module reverses the typical offramp flow:\
  **You send crypto → Rampnow converts → Recipients receive fiat in their local bank accounts.**
</Note>

## Why Use Rampnow for Payouts?

<div style={{display: 'grid', gridTemplateColumns: '1fr 1fr', gap: '1rem'}}>
  <Card title="Global Coverage" icon="globe">
    Payouts to Europe, India, Southeast Asia and many other regions
  </Card>

  <Card title="Crypto In, Fiat Out" icon="rotate">
    Accept USDC/USDT and pay out in local fiat
  </Card>

  <Card title="Automated FX Routing" icon="shuffle">
    Intelligent conversion routing for the best execution rate
  </Card>
</div>

## Supported Use Cases

<Tabs>
  <Tab title="Payroll">
    Pay employees globally by funding your payroll with crypto and paying out in EUR, INR, PHP, IDR, USD and more.

    **Ideal for:**

    * Web3 companies with remote teams
    * Global employers
    * DAOs paying contributors

    <Check>Batch payouts supported for large workforce operations.</Check>
  </Tab>

  <Tab title="Contractor/Vendor Payments">
    Send fiat payouts to contractors or service providers while funding the route with crypto.

    **Useful for:**

    * Agencies
    * L1/L2 blockchains
    * Protocols and ecosystem foundations
  </Tab>

  <Tab title="Remittances">
    Build cross-border remittance products using crypto as the settlement layer.

    **Examples:**

    * EU/US → USDC → India
    * EU/US → USDC → Philippines
    * EU/US → USDC → Indonesia
    * EU/US → USDC → Africa corridors (coming soon)
  </Tab>

  <Tab title="Treasury Operations">
    Convert crypto revenues into local operating currencies.

    **Suitable for:**

    * Exchanges
    * Wallets
    * Gaming platforms
    * Onchain commerce
  </Tab>
</Tabs>

# How It Works — End-to-End Payment Flow

<Steps>
  <Step title="1. Create a Beneficiary" icon="user-plus">
    API supports recipient creation (Add Beneficiary) with:

    * Name
    * Country
    * Currency (ETH, EUR)
    * Chain (ethereum, fiat)
    * OrderType - Sendout / Payroll
    * Provoide wallet data
      * Bank details for Fiat Payout
      * Crypto wallet details for Crypto payout
    * Documents (Indiavidual / Business)
    * Optional metadata (employee ID, invoice ID…)
  </Step>

  <Step title="2. Fund the Payout in Crypto" icon="coins">
    You send crypto to a Rampnow-provided deposit address:

    * USDC / USDT

    <Check>Funds are credited after 1–2 confirmations depending on chain.</Check>
  </Step>

  <Step title="3. FX Conversion & Routing" icon="shuffle">
    Rampnow converts your stables to the requested fiat currency using:

    * Liquidity routing across CEX/DEX local partners
    * Automated best-execution FX
    * Corridor-specific liquidity providers
  </Step>

  <Step title="4. Execute Payout" icon="paper-plane">
    Funds are sent to recipients via:

    * **SEPA** (EUR)
    * **IMPS** (INR)
    * **GCash / Bank Transfer** (PHP)
    * **Local bank rails** (IDR)
    * **SWIFT** (USD, GBP in selected cases)
    * **ACH** (USD)

    <Info>Payouts can be single or batch-processed.</Info>
  </Step>

  <Step title="5. Reporting & Reconciliation" icon="file-invoice">
    Retrieve payout reports via:

    * API
    * Dashboard export
    * Webhooks for completed / failed / reversed payouts
  </Step>
</Steps>

## Corridor specific Details

This section lists the supported payout corridors along with the available banks and wallets for each country.

<Tabs>
  <Tab title="PHP">
    Supports payouts in PHP via Bank Transfers and Wallet Transfers across a wide range of institutions.

    | Banks               | Wallets          |
    | ------------------- | ---------------- |
    | partnerrb           | lazada           |
    | rcbc                | bayahihan        |
    | lolc                | palawanpay       |
    | uob                 | alamanah         |
    | equicom             | bananapay        |
    | silay               | shopeepay        |
    | cebuanal            | moneymall        |
    | zambank             | cisbayad         |
    | malayan             | VLRC             |
    | first\_consolidated | marcopay         |
    | bpibanko            | paymaya          |
    | nuestra\_senora     | infoserve        |
    | pbcom               | robinsons        |
    | bangkokbank         | traxionpay       |
    | psbank              | grabpay          |
    | mizuho              | speedypay        |
    | pnb                 | easypay          |
    | deutsche            | netbank          |
    | smbc                | wiseph           |
    | ruralbankangeles    | bdouni           |
    | montalban           | rosario          |
    | CEBL                | laguna\_prestige |
    | ucpb                | ignacia          |
    | landbank            | ownb             |
    | seabank             | dumaguetebankx   |
    | bankofcommerce      | gcash            |
    | maybank             | PayMongo         |
    | sunsavings          | gotyme           |
    | sme                 | UNO              |
    | citysavings         | iremit           |
    | bankofamerica       | omnipay          |
    | bankofchina         | starpay          |
    | quezonbank          | zybi             |
    | legazpi             | tayocash         |
    | digos               |                  |
    | cimb                |                  |
    | ussc                |                  |
    | mufg                |                  |
    | ctbc                |                  |
    | camalig             |                  |
    | bdo                 |                  |
    | producers           |                  |
    | ibk                 |                  |
    | citi                |                  |
    | cathay              |                  |
    | sterling            |                  |
    | chinabank           |                  |
    | mcb                 |                  |
    | rbmangaldan         |                  |
    | bangkomabuhay       |                  |
    | unionbank           |                  |
    | kebhana             |                  |
    | philtrust           |                  |
    | bangko\_kabayan     |                  |
    | cantilan            |                  |
    | aub                 |                  |
    | pbb                 |                  |
    | dbp                 |                  |
    | standard\_chartered |                  |
    | hsbc                |                  |
    | dumaguetebankx      |                  |
    | jpmorgan            |                  |
    | veterans            |                  |
    | cardbank            |                  |
    | shinhan             |                  |
    | eastwest            |                  |
    | metrobank           |                  |
    | summit              |                  |
    | bofz                |                  |
    | crbr                |                  |
    | rbtbank             |                  |
    | security            |                  |
    | bpi                 |                  |
    | southeastbank       |                  |
    | cbb                 |                  |
    | ing                 |                  |
    | icbc                |                  |
    | anz                 |                  |
    | eastwest\_rural     |                  |
    | chinabanksavings    |                  |
    | queenbank           |                  |
    | allbank             |                  |
    | binangonan          |                  |
  </Tab>

  <Tab title="EUR">
    Supports payouts in EUR via Bank Transfers across a wide range of institutions.

    **Schemes:**

    * SEPA Instant
    * SEPA CREDIT Normal
  </Tab>

  <Tab title="INR">
    Supports payouts in INR via Bank Transfers across a wide range of institutions.

    **Schemes:**

    * IMPS
  </Tab>

  <Tab title="USD">
    Supports payouts in USD via ACH Transfers across a wide range of institutions.

    **Schemes:**

    * ACH
  </Tab>
</Tabs>

## Supported Fiat Currencies for Payouts

<div style={{display: 'grid', gridTemplateColumns: '1fr 1fr 1fr', gap: '1rem'}}>
  <Card title="EUR" icon="euro-sign">
    Bank payout via SEPA\
    Instant & Next-Day settlement
  </Card>

  <Card title="INR" icon="indian-rupee-sign">
    IMPS
    High-speed domestic clearing
  </Card>

  <Card title="PHP" icon="peso-sign">
    Bank transfers & e-wallet payouts
  </Card>

  <Card title="IDR" icon="money-bill-wave">
    Local Indonesian bank rails\
    Domestic clearing system
  </Card>

  <Card title="GBP" icon="sterling-sign">
    Faster Payments (FPS)
  </Card>

  <Card title="USD" icon="dollar-sign">
    ACH Payment Mode
  </Card>
</div>

<Note>
  Corridor availability depends on Local partner onboarding, bank partner availability and liquidity conditions.
</Note>

<div style={{display: 'grid', gridTemplateColumns: '1fr 1fr', gap: '1rem'}}>
  <Card title="Contact Sales" icon="envelope" href="https://rampnow.io/en/list#list-token-form">
    Reach out via our Contact & Support page
  </Card>

  <Card title="Email Us" icon="paper-plane">
    Send details to `admin@rampnow.io`
  </Card>
</div>