> ## 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.

# Global Remittance

> Enable fast, low-cost international money transfers using crypto-funded liquidity.

Rampnow enables businesses to offer **instant or same-day international money transfers** funded by crypto.\
Whether you are building a consumer remittance app, B2B payment rails, or cross-border payout service, Rampnow provides the liquidity, conversion and settlement infrastructure needed to move money across borders efficiently.

This model is ideal for **remittance operators, neo-banks, fintech apps, diaspora-focused products and Web3 platforms** needing reliable cross-border payout rails.

<Info>
  You fund transfers in crypto (USDC, USDT) and Rampnow handles **FX, payout routing and settlement** in destination fiat currencies.
</Info>

# Why Companies Use Rampnow for Remittances

<div style={{display: 'grid', gridTemplateColumns: '1fr 1fr', gap: '1rem'}}>
  <Card title="Fast Delivery" icon="bolt">
    Most corridors settle instantly or same day using local rails.
  </Card>

  <Card title="Crypto-Funded Liquidity" icon="coins">
    Senders fund transfers with crypto, dramatically reducing costs and delays.
  </Card>

  <Card title="Local Bank Delivery" icon="building-columns">
    Funds arrive directly in the receiver's local bank account.
  </Card>

  <Card title="Optimised FX" icon="shuffle">
    Rampnow automatically delivers the best conversion rate per corridor.
  </Card>

  <Card title="High-Volume Ready" icon="gauge-high">
    Supports enterprise-volume remittance flows across multiple regions.
  </Card>
</div>

# Supported Remittance Corridors

<Note>
  More corridors are added continuously based on regulatory approval and liquidity.
</Note>

<div style={{display: 'grid', gridTemplateColumns: 'repeat(3, 1fr)', gap: '1rem'}}>
  <Card title="EU → India (INR)" icon="indian-rupee-sign">
    IMPS
    Fastest retail remittance corridor
  </Card>

  <Card title="EU → Philippines (PHP)" icon="peso-sign">
    Bank accounts + e-wallets
  </Card>

  <Card title="EU → Indonesia (IDR)" icon="money-bill-wave">
    Local domestic rails\
    For both consumer and SME payouts
  </Card>

  <Card title="EU → Europe (EUR)" icon="euro-sign">
    SEPA Credit\
    Ideal for intra-EU transfers
  </Card>

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

  <Card title="EU → Global USD" icon="dollar-sign">
    Selected regions via ACH,SWIFT
  </Card>
</div>

# Remittance Flow

<Steps>
  <Step title="1. Sender Funds Transfer With Crypto" icon="coins">
    The remittance application collects the amount from the sender in USDC, USDT, ETH or another supported asset.\
    Funds are sent to the designated Rampnow funding address.\
    After blockchain confirmation, the amount becomes available for payout.
  </Step>

  <Step title="2. Enter Recipient Details" icon="user">
    Receivers can be individuals or businesses. Typical details include:

    * Name
    * Additional User Details including address
    * Business Detail (if user type is business)
    * Bank account / UPI ID / e-wallet
  </Step>

  <Step title="3. FX Quote & Conversion" icon="arrows-rotate">
    Rampnow automatically calculates:

    * FX conversion
    * Corridor-specific fees
    * Real-time liquidity availability
    * ETA for delivery

    The system executes crypto → fiat conversion using the optimal route.
  </Step>

  <Step title="4. Domestic Payout Execution" icon="paper-plane">
    Funds are delivered through the fastest available rail:

    * IMPS (INR)
    * Bank + e-wallets (PHP)
    * Domestic Indonesian rails (IDR)
    * SEPA (EUR)
    * FPS (GBP)
    * SWIFT (USD)

    Most payouts settle within seconds or minutes.
  </Step>

  <Step title="5. Delivery Confirmation" icon="circle-check">
    Rampnow provides:

    * Payout status
    * Timestamp
    * Reference number
    * Bank or UPI confirmation
    * Reversal/failure handling

    Your platform can display the real-time progress to the sender.
  </Step>

  <Step title="6. Reconciliation & Reporting" icon="file-invoice">
    You receive a full breakdown for each batch or transaction:

    * Crypto debited
    * Fiat delivered
    * FX used
    * Fees
  </Step>
</Steps>

# Benefits for Remittance Providers

<Steps>
  <Step title="Lower Costs" icon="piggy-bank">
    Avoid SWIFT charges and minimise banking overhead.
  </Step>

  <Step title="Instant Cross-Border Liquidity" icon="bolt">
    Send and settle funds much faster than legacy rails.
  </Step>

  <Step title="Designed for Global Scale" icon="globe">
    Supports millions of monthly users with predictable settlement flows.
  </Step>

  <Step title="White-Label Ready" icon="paint-brush">
    Remittance providers can offer fully branded experiences.
  </Step>
</Steps>

# Corridor Performance Expectations

| Corridor      | Typical Speed    | Rail             | Notes                              |
| ------------- | ---------------- | ---------------- | ---------------------------------- |
| EU → INR      | Instant – 5 mins | IMPS             | Best suited for retail remittances |
| EU → PHP      | Instant – 1 hour | Bank + e-wallets | E-wallets often settle fastest     |
| EU → IDR      | Same day         | Domestic rails   | Business and SME payouts supported |
| EU → EU (EUR) | Instant          | SEPA Instant     | Includes 36 EU/EEA countries       |
| EU → UK (GBP) | Instant          | FPS              | Retail + business corridors        |
| EU → USD      | 1–2 days         | SWIFT            | Based on jurisdiction              |

# Ideal Use Cases

<div style={{display: 'grid', gridTemplateColumns: '1fr 1fr', gap: '1rem'}}>
  <Card title="Consumer Remittance Apps" icon="mobile-screen-button">
    Enable diaspora users to send money home instantly using crypto.
  </Card>

  <Card title="SME Cross-Border Payments" icon="building">
    Businesses can fund global supplier or partner payments using digital assets.
  </Card>

  <Card title="Exchange Offramp" icon="arrow-down">
    Exchanges can offer fiat withdrawal to local rails using crypto-backed liquidity.
  </Card>

  <Card title="DAO Community Remittances" icon="users">
    DAOs can deliver community stipends and grants in local fiat currencies.
  </Card>
</div>

# Best Practices

<Tip>
  Verify receiver information carefully—domestic rails depend on correct bank or wallet identifiers.
</Tip>

<Tip>
  Group transfers by corridor for higher operational efficiency.
</Tip>

<Warning>
  Rampnow provides remittance payout rails but does **not handle tax obligations** for senders or recipients.
</Warning>

# Related Pages

<div style={{display: 'grid', gridTemplateColumns: '1fr 1fr', gap: '1rem'}}>
  <Card href="/quickstart/make-payments/vendor-payments" title="Vendor Payments" icon="file-invoice">
    Pay suppliers and contractors globally
  </Card>

  <Card href="/quickstart/make-payments/global-payroll-usecase" title="Global Payroll" icon="users">
    Distribute salaries in local currencies using crypto funding
  </Card>

  <Card href="/quickstart/make-payments/FX-routing" title="FX Routing" icon="shuffle">
    Understand conversion and corridor routing
  </Card>

  <Card href="/quickstart/make-payments/settlement" title="Settlement" icon="file-lines">
    Explore settlement cycles and reconciliation
  </Card>
</div>