# Withdrawals

### Fiat Payout

{% hint style="info" %}
This flow also applies to UR Peer Transfers - fiat transfers between 2 `live` UR accounts.
{% endhint %}

This flow enables a fully verified (`Live`) user to send funds from their UR account to an external bank account. This is a high-security action that requires the user to authenticate and sign the transaction.

<table><thead><tr><th width="213.1640625">Flow</th><th width="431.45703125">Details</th><th>Responsibility of</th></tr></thead><tbody><tr><td>1. Prerequisite</td><td>The user's status must be <code>Live</code>.</td><td>Partner</td></tr><tr><td>2. Initiate Payout</td><td>The user clicks "Withdraw" or "Send to Bank" from within your app.</td><td>Partner</td></tr><tr><td>3. Request Payout URL</td><td>Your backend calls <code>GET /v1/payouts/url</code> to get a one-time URL for the Payout webview.</td><td>Partner</td></tr><tr><td>4. Open Payout Webview</td><td>Your app opens a secure webview with the URL provided by UR.</td><td>Partner</td></tr><tr><td>5. User Authenticates</td><td>Inside the webview, the user <em>must</em> re-authenticate (via Email/Google SSO) to securely access their private key.</td><td>UR</td></tr><tr><td>6. Complete &#x26; Confirm</td><td>The user fills in the payout details (amount, destination IBAN, reference) and confirms the transaction.</td><td>UR</td></tr><tr><td>7. Authorize &#x26; Process</td><td>The user's confirmation, combined with their authentication, authorizes UR's backend to execute the on-chain payout.</td><td>UR</td></tr><tr><td>8. Notify Partner</td><td>UR's backend executes the on-chain payout, and the funds are sent. UR sends a <code>payment.sent</code> webhook to your backend.</td><td>UR -> Partner</td></tr><tr><td>9. Update User</td><td>Your backend receives the webhook and updates the user's balance and transaction history in your app.</td><td>Partner</td></tr></tbody></table>

{% @mermaid/diagram content="sequenceDiagram
participant User (on Partner App)
participant Partner (Frontend)
participant Partner (Backend)
participant UR (Webview - Payout)
participant UR (Backend)
participant UR (Wallet/Turnkey)
participant UR (Banking Core)

```
Note over User (on Partner App), UR (Banking Core): Prerequisite: User status is "Live"

User (on Partner App)->>Partner (Frontend): 1. Clicks "Withdraw"
Partner (Frontend)->>Partner (Backend): 2. Request Payout URL
Partner (Backend)->>UR (Backend): 3. GET /v1/payouts/url
UR (Backend)-->>Partner (Backend): 4. Return one-time Payout URL
Partner (Backend)-->>Partner (Frontend): 5. Send URL
Partner (Frontend)->>User (on Partner App): 6. Open UR Payout Webview

User (on Partner App)->>UR (Webview - Payout): 7. Authenticate (Email/Google SSO)
UR (Webview - Payout)->>UR (Wallet/Turnkey): 8. Securely unlock private key

User (on Partner App)->>UR (Webview - Payout): 9. Enters Payout Details (Amount, IBAN)
UR (Webview - Payout)->>User (on Partner App): 10. Show Confirmation Screen
User (on Partner App)->>UR (Webview - Payout): 11. Clicks "Confirm & Send"

UR (Webview - Payout)->>UR (Backend): 12. Submit Payout Request

note right of UR (Backend): 13. User's auth (Step 7) authorizes this
UR (Backend)->>UR (Wallet/Turnkey): 14. Generate Signed Transaction
UR (Wallet/Turnkey)-->>UR (Backend): 15. Return Signed Tx

UR (Backend)->>UR (Banking Core): 16. Execute SEPA/SWIFT Transfer (submits tx)

UR (Banking Core)-->>UR (Backend): 17. Payout Successful
UR (Backend)->>Partner (Backend): 18. Webhook: payment.sent (user_id, amount)

Partner (Backend)-->>Partner (Frontend): 19. Update UI (e.g., via WebSocket)
Partner (Frontend)->>User (on Partner App): 20. Show "Withdrawal Sent" & Updated Balance" %}
```

### Fiat-to-Crypto Conversion (Onramp)

{% hint style="info" %}
This flow allows a user to instantly purchase crypto from your platform using the fiat balance held in their UR bank account.
{% endhint %}

**Scenario:** A user has $1,000 in their embedded UR account and wants to on-ramp $500 to buy USDC.

<table><thead><tr><th width="164.703125">Flow</th><th width="420.93359375">Details</th><th>Responsibility of</th></tr></thead><tbody><tr><td>1. Initiate On-Ramp</td><td>The user goes to the "Buy Crypto" section and chooses to pay using their available fiat balance in the embedded UR account.</td><td>Partner</td></tr><tr><td>2. Confirm Transaction</td><td>Partner's trading engine provides a real-time quote for the crypto purchase. The user confirms the amount.</td><td>Partner</td></tr><tr><td>3. Instant Fiat Settlement</td><td>Partner execute an internal transfer of $500 from the user's individual UR account to Partner's corporate UR account, enabled by <a data-mention href="/pages/IiUTnzUlJBIKVdGO1BCe">/pages/IiUTnzUlJBIKVdGO1BCe</a>. The settlement is instant.</td><td>Partner -> UR</td></tr><tr><td>4. Crypto Delivery</td><td>Upon confirmation of the instant fiat settlement, Partner's trading engine is triggered to purchase the crypto and deliver it to the user's connected wallet.</td><td>Partner</td></tr></tbody></table>

{% @mermaid/diagram content="sequenceDiagram
participant User
participant Partner
participant UR

```
User->>Partner: 1. Initiate On-Ramp (e.g., $500 to USDC)
Note over User, Partner: User selects their existing fiat balance as the payment source.
Partner ->>Partner : 2. Get Crypto Quote & User Confirms
Partner ->>UR: 3. Call `Payments API` (Debit $500 from User, Credit OSL Omnibus)
UR ->>UR: 4. Settle Fiat Instantly (Internal Transfer)
UR -->>Partner: 5. Fiat Settlement Confirmed
Partner ->>Partner: 6. Execute Crypto Purchase
Partner -->>User: 7. Deliver Crypto to User's Wallet" %}
```


---

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