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

# Flow of Funds

## Roles

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

## Overview

<Note>
  **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.
</Note>

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.

## 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.

```mermaid theme={null}
sequenceDiagram
	autonumber
	participant dwb as Developer's Wallet<br>or Bank Account
	participant so as Superbank's<br>Omnibus
	so->>dwb: Instant Settlement Capital
```

## 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.

<Frame caption="Click to zoom in.">
  <img src="https://mintcdn.com/super3ankinc/J7TiOwvola6vN--K/images/onramping.svg?fit=max&auto=format&n=J7TiOwvola6vN--K&q=85&s=013dadd20b76e345c8edf6cc43c1aa02" alt="Flow of Funds - On-Ramping" width="1218" height="1038" data-path="images/onramping.svg" />
</Frame>

## Step 2b: Off-Ramping

<Frame caption="Click to zoom in.">
  <img src="https://mintcdn.com/super3ankinc/J7TiOwvola6vN--K/images/offramping.svg?fit=max&auto=format&n=J7TiOwvola6vN--K&q=85&s=931b93b60044f77dbc2c27088f69fcd3" alt="Flow of Funds - Off-Ramping" width="1218" height="900" data-path="images/offramping.svg" />
</Frame>

<Note>
  WIP. Help us build real-time off-ramping for you. Please contact us for a custom solution.
</Note>

## 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.

```mermaid theme={null}
sequenceDiagram
	autonumber
	participant dwb as Developer's Wallet<br>or Bank Account
	participant so as Superbank's<br>Omnibus
	dwb->>so: Instant Settlement Capital + Fees
```