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Deposit and Send move crypto on-chain, in and out of the user’s balance. They show up on Home as the Deposit and Send buttons, each one only when the matching operation (deposit, withdrawal) is enabled on your account — see Overview. Unlike a buy or a sell, an on-chain transfer isn’t settled the moment the user confirms it: it’s final once the network confirms it. Your backend gets a transaction_result at that point, not before.

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Deposit

A single screen, Deposit crypto, where the user gets an address to send funds to.
1

Asset and network

The user picks the asset and then one of its networks. The list only includes the assets and networks your account accepts deposits for.
2

Address

The widget shows the user’s deposit address for that asset and network, with a QR code and a copy button. When the network uses a memo (or tag), it’s shown next to the address, with its own copy button and a warning that a deposit sent without it may be lost.The widget always reminds the user to send only that asset, on that network: a transfer of another asset, or on another network, may be lost.
The Deposit crypto screen: asset, network, and the deposit address with its QR code
3

Credit

The deposit is credited once the network confirms the transfer and Ripio completes its checks. Until then, it appears in the user’s Activity as Pending.
A deposit address belongs to the user, not to the session. Every deposit credited to it reaches your backend as a transaction_result, whether or not the user had the widget open when the funds arrived.

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Send

The user sends crypto from their balance to a wallet outside your platform.
1

Transfer details

On Send crypto, the user picks one of the assets they hold and a network, and enters:
  • The destination address, validated for that network as they type. The widget doesn’t let them continue until the address is confirmed valid.
  • A memo, when the network uses one.
  • The amount the recipient receives.
The widget shows the network fee and the total to be debited (amount plus fee). The fee is quoted with a short expiry and renewed automatically while the user fills in the form.
The Send crypto screen: asset, network, destination address, amount, network fee and total to be debited
2

Review

Review the transfer summarizes the amount, address, network, memo, fee and total, with a reminder that on-chain transfers can’t be reversed. If the fee expires before the user confirms, the widget gets a new one and asks them to review the total again.
3

Transfer started

Confirming submits the transfer. The widget shows it as started and pending: it stays Pending in Activity until the network confirms it.

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When the transfer can’t be submitted

If Ripio rejects the transfer before creating it, the user sees why and nothing is debited: insufficient balance (including the fee), an amount below the minimum or above the maximum, an invalid address or memo, a network that isn’t available, or a fee that expired. They can review the transfer and try again. A transfer that requires recipient details (travel rule) can’t be sent from the widget. If the submission fails without a clear outcome — a timeout or a network error — the widget tells the user it couldn’t confirm the transfer and offers to retry. The retry is safe: it resumes the same transfer, so the user is never charged twice.

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What your backend receives

Both flows end with a transaction_result once the transfer is final — op_type DEPOSIT or WITHDRAWAL — so you can update your own record of the user’s balance:
  • Deposit: sent when the deposit is credited. A deposit the user sent but that isn’t confirmed yet doesn’t produce a result.
  • Send: sent when the withdrawal is confirmed on-chain (COMPLETED) or fails after being submitted (CANCELLED). The success screen the user sees is not the result: the withdrawal is still pending at that point.
There’s no approval step for either one: unlike a buy, Ripio doesn’t ask your backend before a deposit is credited or a withdrawal is submitted.
Deposit and withdrawal results are enabled per account. Ask your Ripio contact to turn them on.
The transfers also appear in the user’s Activity as Deposit of or Withdrawal of the asset, with their status. The detail shows the network, the address, the on-chain hash once there is one, and the fee, and lets the user download a receipt.