For example, below is a sequence of events for a standing order created for an off-ramp flow, i.e. incoming crypto is converted into fiat and paid out to a whitelisted IBAN. To set this up -

Whitelist a destination IBAN (You may want to use the "Validate SEPA Beneficiary" endpoint to ensure that the IBAN is valid).
Use the whitelisted IBAN id and an enriched source account ID (Must be a crypto currency for this direction) in the "Create Standing Order" API.
Confirm the standing order by entering the OTP that your user received.

Where possible, a standingOrderSpanId is present linking the sequence of events in a standing order. If the Standing Order fails at the currency swap step, you can call the "Resume Standing Order" API to retry the flow, however the span ID will not be preserved as these are two distinct events. The associated standingOrderId however will be present.

CRYPTO_TO_FIAT Standing Orders

The following are the sequence of webhooks to automatically convert and payout crypto payins.

{
  "uid": "e41c7f59-c0bc-4dff-ae2e-24088d04fc16",
  "type": "ON_CHAIN_DEPOSIT_CONFIRMED",
  "id": "44e68fef-bbd6-48d7-9f22-bf7ca16cf03f",
  "accountId": "3f3ddeaf4a63bfa10710eaa273487e9a",
  "syncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "sourceSyncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "credit": "3000000000000000",
  "timestamp": "2025-08-10T08:54:41.673Z",
  "txType": "ON_CHAIN_DEPOSIT_CONFIRMED",
  "memo": "0.003 ETH CONFIRMED 0xc5df5117e54dd50fd489cb1b315ec653bf981db16645c5cd3ca202df7d4d210d",
  "currency": "ETH",
  "exchangeRate": "3346.43",
  "balanceBefore": {
    "amount": "5946770457633720",
    "balance": "5946770457633720",
    "currency": "wei"
  },
  "balanceAfter": {
    "amount": "8946770457633720",
    "balance": "8946770457633720",
    "currency": "wei"
  },
  "blockchainSourceAddress": "0x712073F86D2ad7EEd23a3F7683aa6145042B81Cf",
  "txHash": "0xc5df5117e54dd50fd489cb1b315ec653bf981db16645c5cd3ca202df7d4d210d",
  "blockchainDepositAddress": "0xB1CA540F816fD7bEf9461994e9C07E9109093A56",
  "blockchainConfirmations": 1,
  "blockchainTransactionAmount": "3000000000000000",
  "blockchainNetwork": "Ethereum Test (Sepolia)",
  "ts": 1754816085021
}

{
  "uid": "ad3122f9-815d-4f49-8cdb-92276fad9f8f",
  "type": "CURRENCY_EXCHANGE",
  "id": "ba497df0-06b1-42b2-8269-524b43b6cabc",
  "accountId": "3f3ddeaf4a63bfa10710eaa273487e9a",
  "syncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "sourceSyncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "destinationSyncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "debit": "8946770457633720",
  "timestamp": "2025-08-10T08:54:46.995Z",
  "txType": "EXCHANGE_DEBIT",
  "txSubType": "CURRENCY_EXCHANGE_PENDING",
  "memo": "Swap 0.00894677045763372 ETH to EUR",
  "memoPayer": "STANDING_ORDER_0581efb8-6617-48b9-a1d7-a37ebeb224cc_CRYPTO_TO_FIAT_3ed1a5df-40c9-49ba-9b88-186fc7551b19",
  "currency": "ETH",
  "exchangeRate": "3346.43",
  "standingOrderId": "0581efb8-6617-48b9-a1d7-a37ebeb224cc",
  "standingOrderSpanId": "3ed1a5df-40c9-49ba-9b88-186fc7551b19",
  "order": {
    "price": "3329.69",
    "debit": {
      "currency": "ETH",
      "amountFloat": "0.00894677045763372",
      "amount": "8946770457633720"
    },
    "credit": {
      "currency": "EUR",
      "amountFloat": "29.78",
      "amount": "2978"
    }
  },
  "balanceBefore": {
    "amount": "8946770457633720",
    "balance": "8946770457633720",
    "currency": "wei"
  },
  "balanceAfter": {
    "amount": "0",
    "balance": "0",
    "currency": "wei"
  },
  "feeEstimate": {
    "totalFee": "0",
    "networkFee": "0",
    "ourFee": "0",
    "theirFee": "0",
    "feeCurrency": "ETH",
    "fixedFeeDetails": {
      "amount": "0",
      "exchangeRate": "0"
    },
    "percentageFeeDetails": {
      "amount": "0"
    }
  },
  "ts": 1754816091840
}

{
  "uid": "26ca0404-95ea-4b3f-9191-bd83280fedce",
  "type": "CURRENCY_EXCHANGE",
  "id": "ba497df0-06b1-42b2-8269-524b43b6cabc",
  "accountId": "91559a0e294a361a7b23f4ff7e542bd1",
  "syncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "sourceSyncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "destinationSyncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "credit": "2978",
  "timestamp": "2025-08-10T08:54:49.122Z",
  "txType": "EXCHANGE_CREDIT",
  "txSubType": "CURRENCY_EXCHANGE_CONFIRMED",
  "memo": "Swap 0.00894677045763372 ETH to EUR",
  "memoPayer": "STANDING_ORDER_0581efb8-6617-48b9-a1d7-a37ebeb224cc_CRYPTO_TO_FIAT_3ed1a5df-40c9-49ba-9b88-186fc7551b19",
  "currency": "EUR",
  "exchangeRate": "3329.69",
  "standingOrderId": "0581efb8-6617-48b9-a1d7-a37ebeb224cc",
  "standingOrderSpanId": "3ed1a5df-40c9-49ba-9b88-186fc7551b19",
  "order": {
    "price": "3329.69",
    "debit": {
      "currency": "ETH",
      "amountFloat": "0.00894677045763372",
      "amount": "8946770457633720"
    },
    "credit": {
      "currency": "EUR",
      "amountFloat": "29.78",
      "amount": "2978"
    }
  },
  "balanceBefore": {
    "amount": "48000",
    "balance": "48000",
    "currency": "cents"
  },
  "balanceAfter": {
    "amount": "50978",
    "balance": "50978",
    "currency": "cents"
  },
  "feeEstimate": {
    "totalFee": "0",
    "networkFee": "0",
    "ourFee": "0",
    "theirFee": "0",
    "feeCurrency": "ETH",
    "fixedFeeDetails": {
      "amount": "0",
      "exchangeRate": "0"
    },
    "percentageFeeDetails": {
      "amount": "0"
    }
  },
  "ts": 1754816092102
}

{
  "uid": "c1f5bd3d-6304-47e7-bd2f-8dc74ce9cbe9",
  "type": "SEPA_PAYOUT_INITIATED",
  "id": "7a9e1a63-6c88-4953-af9e-92ced4e93846",
  "accountId": "91559a0e294a361a7b23f4ff7e542bd1",
  "syncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "sourceSyncedOwnerId": "5ed0e4a0-3943-443b-a7bb-77d5bc100c53",
  "debit": "50978",
  "timestamp": "2025-08-10T08:54:56.643Z",
  "txType": "SEPA_PAYOUT_INITIATED",
  "memo": "SEPA_PAYOUT_INITIATED 509.78 EUR wwhgYmv6Am",
  "currency": "EUR",
  "exchangeRate": "1",
  "standingOrderId": "0581efb8-6617-48b9-a1d7-a37ebeb224cc",
  "standingOrderSpanId": "3ed1a5df-40c9-49ba-9b88-186fc7551b19",
  "balanceBefore": {
    "amount": "50978",
    "balance": "50978",
    "currency": "cents"
  },
  "balanceAfter": {
    "amount": "0",
    "balance": "0",
    "currency": "cents"
  },
  "bankingTransactionShortId": "20250810-PCXPHE",
  "bankingTransactionAmount": "509.78",
  "bankingSenderBic": "SEOUGB21",
  "bankingSenderIban": "GB36SEOU19870010401530",
  "bankingSenderName": "John Doe",
  "bankingPaymentType": "SEPA",
  "bankingBeneficiaryBic": "EEUHEE2X",
  "bankingBeneficiaryIban": "EE351010052031000004",
  "feeEstimate": {
    "totalFee": "0",
    "networkFee": "0",
    "ourFee": "0",
    "theirFee": "0",
    "feeCurrency": "EUR",
    "fixedFeeDetails": {
      "amount": "0",
      "exchangeRate": "0"
    },
    "percentageFeeDetails": {
      "amount": "0"
    }
  },
  "ts": 1754816102399
}

FIAT_TO_CRYPTO Standing Orders

The following are the sequence of webhooks to automatically convert and payout fiat payins.

{
    "uid": "16a1d27a-ebd9-4840-b71b-3f11fef41649",
    "type": "SEPA_PAYIN_COMPLETED",
    "id": "1b3ce16c-ab7e-416c-abf3-048d93d79c59",
    "accountId": "7566dcaca20eee52a7e9fd59e963e0ec",
    "syncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "sourceSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "credit": "500",
    "timestamp": "2025-09-12T12:44:13.718Z",
    "txType": "SEPA_PAYIN_COMPLETED",
    "memo": "SEPA_PAYIN_COMPLETED 5 EUR Sent from Revolut",
    "currency": "EUR",
    "exchangeRate": "1",
    "standingOrderId": "9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e",
    "standingOrderSpanId": "71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "balanceBefore": {
      "amount": "500",
      "balance": "500",
      "currency": "cents"
    },
    "balanceAfter": {
      "amount": "1000",
      "balance": "1000",
      "currency": "cents"
    },
    "bankingTransactionId": "1b3ce16c-ab7e-416c-abf3-048d93d79c59",
    "bankingTransactionAmount": "5",
    "bankingTransactionShortId": "20250912-D3KRKU",
    "bankingSenderBic": "REVOLT21XXX",
    "bankingSenderIban": "LT323250066031237122",
    "bankingSenderName": "John Doe",
    "bankingPaymentType": "SEPA_INSTANT",
    "bankingTransactionReference": "Sent from Revolut",
    "feeEstimate": {
      "totalFee": "0",
      "networkFee": "0",
      "ourFee": "0",
      "theirFee": "0",
      "feeCurrency": "EUR",
      "fixedFeeDetails": {
        "amount": "0",
        "exchangeRate": "1",
        "appliedFeeCents": "0"
      },
      "percentageFeeDetails": {
        "amount": "0",
        "appliedFeeBps": "0"
      }
    },
    "ts": 1757681054009
  }

{
    "uid": "216f830b-d609-4ee7-9629-fe4c9c5cd668",
    "type": "CURRENCY_EXCHANGE",
    "id": "d978e7f6-6177-4748-b180-fae6254e6fc3",
    "accountId": "7566dcaca20eee52a7e9fd59e963e0ec",
    "syncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "sourceSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "destinationSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "debit": "1000",
    "timestamp": "2025-09-12T12:44:14.249Z",
    "txType": "EXCHANGE_DEBIT",
    "txSubType": "CURRENCY_EXCHANGE_PENDING",
    "memo": "Swap 10 EUR to USDC",
    "memoPayer": "SEPA_PAYIN_COMPLETED 5 EUR Sent from Revolut STANDING_ORDER_9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e_FIAT_TO_CRYPTO_71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "currency": "EUR",
    "exchangeRate": "1",
    "standingOrderId": "9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e",
    "standingOrderSpanId": "71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "order": {
      "price": "0.858471",
      "debit": {
        "currency": "EUR",
        "amountFloat": "10",
        "amount": "1000"
      },
      "credit": {
        "currency": "USDC",
        "amountFloat": "11.64",
        "amount": "1164"
      }
    },
    "balanceBefore": {
      "amount": "1000",
      "balance": "1000",
      "currency": "cents"
    },
    "balanceAfter": {
      "amount": "0",
      "balance": "0",
      "currency": "cents"
    },
    "feeEstimate": {
      "totalFee": "0",
      "networkFee": "0",
      "ourFee": "0",
      "theirFee": "0",
      "feeCurrency": "EUR",
      "fixedFeeDetails": {
        "amount": "0",
        "exchangeRate": "1"
      },
      "percentageFeeDetails": {
        "amount": "0"
      }
    },
    "ts": 1757681060156
  }

{
    "uid": "1906d759-eb71-462a-9906-4c5f47d7a20a",
    "type": "CURRENCY_EXCHANGE",
    "id": "d978e7f6-6177-4748-b180-fae6254e6fc3",
    "accountId": "5882791ea8911e29aebf2f5d2a73d138",
    "syncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "sourceSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "destinationSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "credit": "1164",
    "timestamp": "2025-09-12T12:44:19.892Z",
    "txType": "EXCHANGE_CREDIT",
    "txSubType": "CURRENCY_EXCHANGE_CONFIRMED",
    "memo": "Swap 10 EUR to USDC",
    "memoPayer": "SEPA_PAYIN_COMPLETED 5 EUR Sent from Revolut STANDING_ORDER_9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e_FIAT_TO_CRYPTO_71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "currency": "USDC",
    "exchangeRate": "0.86",
    "standingOrderId": "9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e",
    "standingOrderSpanId": "71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "order": {
      "price": "0.858471",
      "debit": {
        "currency": "EUR",
        "amountFloat": "10",
        "amount": "1000"
      },
      "credit": {
        "currency": "USDC",
        "amountFloat": "11.64",
        "amount": "1164"
      }
    },
    "balanceBefore": {
      "amount": "0",
      "balance": "0",
      "currency": "cents"
    },
    "balanceAfter": {
      "amount": "1164",
      "balance": "1164",
      "currency": "cents"
    },
    "feeEstimate": {
      "totalFee": "0",
      "networkFee": "0",
      "ourFee": "0",
      "theirFee": "0",
      "feeCurrency": "EUR",
      "fixedFeeDetails": {
        "amount": "0",
        "exchangeRate": "1"
      },
      "percentageFeeDetails": {
        "amount": "0"
      }
    },
    "ts": 1757681060197
  }

{
    "uid": "77c2a9c5-d8e9-4de1-a88b-54ef34d41179",
    "type": "NETWORK_FEE",
    "id": "519ad6f2-5899-453e-9298-ef1a822ce455",
    "accountId": "5882791ea8911e29aebf2f5d2a73d138",
    "syncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "sourceSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "debit": "100",
    "timestamp": "2025-09-12T12:44:23.658Z",
    "txType": "NETWORK_FEE",
    "txSubType": "TOTAL_WITHDRAWAL_FEE",
    "memo": "ON_CHAIN_WITHDRAWAL_INITIATED 10.64 USDC to 0x389388C4fEA33b1B53C2B67405f4f68F29949d70 519ad6f2-5899-453e-9298-ef1a822ce455 1 USDC",
    "currency": "USDC",
    "exchangeRate": "0.86",
    "standingOrderId": "9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e",
    "standingOrderSpanId": "71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "balanceBefore": {
      "amount": "100",
      "balance": "100",
      "currency": "cents"
    },
    "balanceAfter": {
      "amount": "0",
      "balance": "0",
      "currency": "cents"
    },
    "feeEstimate": {
      "totalFee": "100",
      "networkFee": "1639447930508151",
      "ourFee": "100",
      "theirFee": "0",
      "feeCurrency": "USDC",
      "gasLimit": "54541",
      "gasPrice": "30.059",
      "fixedFeeDetails": {
        "amount": "0",
        "exchangeRate": "1"
      },
      "percentageFeeDetails": {
        "amount": "0"
      }
    },
    "blockchainNetwork": "USD Coin (Polygon)",
    "ts": 1757681063912
  }

{
    "uid": "dd08fe6b-0973-4ad9-97a2-c0a25e48a2d8",
    "type": "ON_CHAIN_WITHDRAWAL_INITIATED",
    "id": "519ad6f2-5899-453e-9298-ef1a822ce455",
    "accountId": "5882791ea8911e29aebf2f5d2a73d138",
    "syncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "sourceSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "debit": "1064",
    "timestamp": "2025-09-12T12:44:23.504Z",
    "txType": "ON_CHAIN_WITHDRAWAL_INITIATED",
    "memo": "ON_CHAIN_WITHDRAWAL_INITIATED 10.64 USDC to 0x389388C4fEA33b1B53C2B67405f4f68F29949d70 519ad6f2-5899-453e-9298-ef1a822ce455",
    "currency": "USDC",
    "exchangeRate": "0.86",
    "standingOrderId": "9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e",
    "standingOrderSpanId": "71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "balanceBefore": {
      "amount": "1164",
      "balance": "1164",
      "currency": "cents"
    },
    "balanceAfter": {
      "amount": "100",
      "balance": "100",
      "currency": "cents"
    },
    "feeEstimate": {
      "totalFee": "100",
      "networkFee": "1639447930508151",
      "ourFee": "100",
      "theirFee": "0",
      "feeCurrency": "USDC",
      "gasLimit": "54541",
      "gasPrice": "30.059",
      "fixedFeeDetails": {
        "amount": "0",
        "exchangeRate": "1"
      },
      "percentageFeeDetails": {
        "amount": "0"
      }
    },
    "blockchainNetwork": "USD Coin (Polygon)",
    "ts": 1757681097344
  }

{
    "uid": "4261e593-7c37-441a-b463-54c412e2df90",
    "type": "ON_CHAIN_WITHDRAWAL_PENDING",
    "id": "519ad6f2-5899-453e-9298-ef1a822ce455",
    "accountId": "5882791ea8911e29aebf2f5d2a73d138",
    "syncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "sourceSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "timestamp": "2025-09-12T12:45:08.595Z",
    "txType": "ON_CHAIN_WITHDRAWAL_PENDING",
    "memo": "USDC ON_CHAIN_WITHDRAWAL_PENDING BROADCASTING",
    "currency": "USDC",
    "exchangeRate": "0.86",
    "standingOrderId": "9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e",
    "standingOrderSpanId": "71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "balanceBefore": {
      "amount": "0",
      "balance": "0",
      "currency": "cents"
    },
    "balanceAfter": {
      "amount": "0",
      "balance": "0",
      "currency": "cents"
    },
    "blockchainSourceAddress": "",
    "txHash": "0x95ecaf87dc961800a7163bed410bd2ffb0501abd09c7a68cf75316012faa641e",
    "blockchainDepositAddress": "0x389388C4fEA33b1B53C2B67405f4f68F29949d70",
    "blockchainConfirmations": 0,
    "feeEstimate": {
      "totalFee": "100",
      "networkFee": "1639447930508151",
      "ourFee": "100",
      "theirFee": "0",
      "feeCurrency": "USDC",
      "gasLimit": "54541",
      "gasPrice": "30.059",
      "fixedFeeDetails": {
        "amount": "0",
        "exchangeRate": "1"
      },
      "percentageFeeDetails": {
        "amount": "0"
      }
    },
    "blockchainNetwork": "USD Coin (Polygon)",
    "ts": 1757681108842
  }

{
    "uid": "9e9d2d53-471f-4724-a808-ac41a5aba543",
    "type": "ON_CHAIN_WITHDRAWAL_CONFIRMED",
    "id": "519ad6f2-5899-453e-9298-ef1a822ce455",
    "accountId": "5882791ea8911e29aebf2f5d2a73d138",
    "syncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "sourceSyncedOwnerId": "9957bc9f-a9e8-4edf-ad16-a9f241f961ce",
    "timestamp": "2025-09-12T12:45:44.400Z",
    "txType": "ON_CHAIN_WITHDRAWAL_CONFIRMED",
    "memo": "USDC ON_CHAIN_WITHDRAWAL_CONFIRMED COMPLETED",
    "currency": "USDC",
    "exchangeRate": "0.86",
    "standingOrderId": "9f00b87f-5a4d-421e-a8eb-fbc7041ccc8e",
    "standingOrderSpanId": "71b8e49d-af3e-47f8-9f73-748f49ffcefb",
    "balanceBefore": {
      "amount": "0",
      "balance": "0",
      "currency": "cents"
    },
    "balanceAfter": {
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