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Roles

  • Developer (you) - The company or entity using Superbank.
  • User (your user) - The end-user of a Developer

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Overview

TLDR
  1. Superbank pre-positions liquidity with the Developer, to enable real-time settlement.
  2. The user’s transactions run in a continuous loop where each request is settled instantly using the pre-positioned liquidity, while the fiat transfers are completed asynchronously.
  3. On a scheduled interval (e.g. daily, weekly, monthly), the utilized liquidity is returned, and the fees are settled.
The below on/off-ramping flow enables real-time settlement by separating user payment settlement, from blockchain settlement. Superbank provides liquidity to the Developer for a set period of time (eg: 180 days), allowing the Developer to settle user balances in real time for both on/off-ramps while the underlying fiat transfers are completed asynchronously.

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Step 1: Capital Provisioning

In this phase, Superbank transfers a predefined amount of capital to the Developer’s on-chain wallet or bank account, to be used for instant settlement (eg: $1,000,000). This capital serves as a temporary liquidity buffer that the Developer can draw on to settle user on-ramp transactions instantly:
  • The provisioned capital is segregated and used exclusively for instant on/off-ramping, ensuring clear accounting and reconciliation;
  • No user transactions occur during this phase; capital is positioned in advance to guarantee availability when requests arrive.

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Step 2a: Real-Time On-Ramping

When a user initiates an on-ramping request, the following loop applies:
  1. The user requests a real-time conversion from USD to on-chain assets (USDT/C);
  2. Using Superbank’s technical infrastructure, the Developer authorizes the instant settlement to the user’s wallet, using its pre-positioned liquidity that sits on Superbank’s infrastructure;
  3. The fiat transfer is then initiated and executed in the background, asynchronously;
  4. Liquidity is temporarily utilized during execution and restored during reconciliation.
This execution model provides real-time settlement for the user, while the underlying transfer initiated by the user, completes in the background, asynchronously.
Flow of Funds - On-Ramping

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Step 2b: Off-Ramping Coming Soon

Flow of Funds - Off-Ramping
WIP. Help us build real-time off-ramping for you. Please contact us for a custom solution.

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Step 3: Capital Reconciliation

If there is no renewal, and once the pre-defined period ends (eg: 180 days), the Developer returns the capital provisioned in Step 1, to Superbank. Alongside the principal, the Developer pays Superbank the agreed-upon fees for the pre-positioned liquidity:
  • Reconciliation restores Superbank’s liquidity position and ensures accurate accounting across all parties;
  • Settlement occurs on a defined interval (e.g. daily, weekly, monthly), allowing multiple transactions to be netted and settled together.