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

# Available Flows

> Compares Saber's two onramp flows — Pool Buy and External Buy — covering fund flow, liquidity, refunds, fees, and quote handling.

Saber supports two onramp flows, trading off liquidity management and settlement destination differently.

<Info>
  Both USDT and USDC are supported across both flows.
</Info>

<Tabs>
  <Tab title="Pool Buy (Recommended)">
    Collected fiat is converted to stablecoin and credited to the **merchant's pool wallet**, rather than to any individual user wallet. This accumulates as reusable liquidity — for example, to fund [Pool Sell](/offramp/available-flows) payouts on the offramp side through the same pool.

    <Steps>
      <Step title="Collect Payment">
        Fiat payment is collected from the user via the applicable payment method (bank transfer, Open Banking, ACH Pull, etc., depending on corridor).
      </Step>

      <Step title="Initiate Onramp">
        The onramp (Pool Buy) is initiated for the user.
      </Step>

      <Step title="Settlement">
        Fiat is converted to stablecoin and credited to the pool wallet.
      </Step>
    </Steps>

    ```mermaid theme={null}
    sequenceDiagram
    participant U as User
    participant S as Saber
    participant P as Pool Wallet
    U->>S: Pay fiat (bank transfer / Open Banking / ACH Pull)
    S->>S: Convert fiat to stablecoin
    S->>P: Credit pool wallet
    ```

    <Info>
      Liquidity credited via Pool Buy is reusable — it becomes available balance for offramp Pool Sell transactions, letting fiat collected on the onramp side directly fund payouts on the offramp side. See [Onramp Fund Management](/client/pool-account/overview).
    </Info>
  </Tab>

  <Tab title="External Buy">
    Collected fiat is converted to stablecoin and sent directly to a **wallet address you specify**, on a given network — rather than staying within Saber's system.

    <Steps>
      <Step title="Collect Payment">
        Fiat payment is collected from the user via the applicable payment method.
      </Step>

      <Step title="Initiate Onramp">
        The onramp (External Buy) is initiated, specifying the destination `wallet_address` and `network`.
      </Step>

      <Step title="Settlement">
        Fiat is converted to stablecoin and sent on-chain to the specified wallet address.
      </Step>
    </Steps>

    ```mermaid theme={null}
    sequenceDiagram
    participant U as User
    participant S as Saber
    participant W as External Wallet
    U->>S: Pay fiat
    S->>S: Convert fiat to stablecoin
    S->>W: Send stablecoin on-chain
    ```

    <Warning>
      Network fees apply per External Buy transaction, and the specified wallet address/network combination must be supported — see [Available Networks and Tokens](/client/pool-account/supported-networks).
    </Warning>
  </Tab>
</Tabs>

## Comparison

| Factor                     | Pool Buy (Recommended)                                                          | External Buy                                                                       |
| -------------------------- | ------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------- |
| Liquidity management       | Accumulates as reusable balance in the merchant's pool wallet                   | Sent out immediately — no accumulation, funds leave Saber's system per transaction |
| Crypto settlement          | Credited to pool wallet, available for reuse (e.g. funding offramp Pool Sell)   | Sent on-chain to the specified wallet address and network                          |
| Fee                        | Network fee applies on withdrawal out of the pool, not per Pool Buy transaction | Network fee applies on each transaction                                            |
| Additional fields required | None beyond the standard buy request                                            | `wallet_address` and `network` required                                            |
| Quote validity             | Live Quote (market rate) or Locked Quote (valid \~30-60s)                       | Live Quote (market rate) or Locked Quote (valid \~30-60s)                          |

## Related pages

<CardGroup cols={2}>
  <Card title="EUR/GBP Onramp" icon="euro-sign" href="/onramp/currencies/eur-gbp" cta="View guide" arrow="true" />

  <Card title="USD Onramp" icon="dollar-sign" href="/onramp/currencies/usd" cta="View guide" arrow="true" />

  <Card title="Pool Account Overview" icon="vault" href="/client/pool-account/overview" cta="View guide" arrow="true" />
</CardGroup>


## Related topics

- [Available Flows](/offramp/available-flows.md)
- [Fetching Transaction Status](/offramp/operations/fetch-status.md)
- [Available Transaction Flows](/client/pool-account/available-flows.md)
- [Supported Networks](/client/pool-account/supported-networks.md)
- [Overview](/client/pool-account/overview.md)