Available Flows
Different types of supported offramp flows
Saber currently supports three offramp flows. These are referred to as:
- Sell: Pre-funded from the user's wallet
- Pool Sell: Pre-funded from the merchant's pool wallet
- External Sell: Post-funded from an external wallet within the specified settlement time. (Payout happens post settlement)
Sell
This is the simplest flow that involves funding the user's wallet directly. The available balance in the user's wallet is used to initiate the offramp. Once the offramp is triggered, the crypto balance in the user's wallet is deducted, and equivalent fiat is deposited into the registered bank account.
Flow of funds:
- Crypto Deposit to User Wallet on preferred network
- Initiate Offramp for the user
- Stablecoin is deducted from the user's wallet, and fiat is delivered to the user's bank account

Pool Sell
This flow involves maintaining a master pool of stablecoin reserves to fund all users. Instead of maintaining individual user wallets and individual crypto deposits to those wallets, a central wallet is maintained for all users.
Once the offramp for a user is triggered, the specified amount is deducted from the pool wallet and equivalent fiat is deposited into the user's bank account.
Flow of funds:
- Crypto Deposit to the Pool Wallet on the preferred network
- Initiate Offramp for the user
- Stablecoin is deducted from the pool wallet, and fiat is delivered to the user's bank account
This flow is very similar to the general sell flow, but optimises liquidity management on the merchant level through a centralised wallet.

You need to ensure that sufficient balance is available in either user or pool wallet before initiating the offramp transaction.
External Sell
This is a complex flow involving the post-settlement of stablecoin.
An offramp quote needs to be generated before initiating a transaction. If the quote is favourable, the quote needs to be accepted within the quote expiry time (generally 60s).
Once the quote is accepted, the offramp transaction is initiated. The merchant then needs to deposit the required stablecoin within the settlement expiry time (generally 1 hour). Once the crypto deposit is done and confirmed by Saber, the fiat is delivered to the user's bank account.

Comparision
Factor | Sell | Pool Sell (Recommended) | External Sell |
---|---|---|---|
Liquidity Management | Required on a per-transaction basis to the user's wallet | Easy to manage liquidity from a centrally funded pool. | Required on a per-transaction basis to the given wallet |
Crypto Deposit | Required for each transaction | Pool wallet can be pre-funded to avoid making deposits on each transaction | Required for each transaction |
Refund (in case of failure) | Refunded to the user's wallet | Refunded to the pool wallet | Refunded to provided refund address (after network fee deduction) |
Crypto Settlement Time | Depends on time taken by network for crypto transfer | Instant, if pool wallet is pre-funded | Depends on time taken by network for crypto transfer |
Fee | Network fee applicable on each deposit to user's wallet | Network fee is only applicable on deposits to pool wallet (can be done in bulk) | Network fee applicable on each deposit |
Quote Validity | Executed on Market Rate | Executed on Market Rate | Quote, if accepted, is valid for 1 hour |
Quote functionality will be soon introduced to other types (sell and pool sell) as well.
Quote validity can be increased or decreased based on business agreeement. A change quote expiry will however impact the quote.
Updated 3 days ago