# How It Works

The ramp system follows a straightforward request-response model. Unlike the vault layer, which uses an asynchronous request-settle-claim cycle, ramp operations are typically single-call. 

You ask for bank instructions, you get bank instructions. You request a quote, you get a quote. You submit a withdrawal, it enters the settlement pipeline.

{% stepper %}
{% step %}

#### **Authenticate**

The `MceRampClient` is initialized with your MCE client ID and secret. Every outbound request is signed against these credentials. The base URL determines which environment you hit (production vs. sandbox).
{% endstep %}

{% step %}

#### **Request**

Your backend calls the appropriate ramp method. For on-ramps, this means fetching deposit instructions or wallet addresses. For off-ramps, this means submitting a withdrawal with full beneficiary details.
{% endstep %}

{% step %}

#### **Settle**

MCE processes the operation on its regulated settlement layer. Fiat deposits land after the bank transfer clears. Crypto deposits confirm after on-chain finality. Withdrawals enter MCE's outbound payment queue.
{% endstep %}

{% step %}

#### **Reconcile**

Your system uses the `clientReference` field (on withdrawals) or participant-level account data to match settled transactions back to your internal records.
{% endstep %}
{% endstepper %}


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