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

# Payment decision guide

> Choose the correct AgentBank journey from the user's source, destination, and recipient.

```mermaid theme={null}
flowchart TD
    S{"Source asset"}
    S -->|"Fiat"| D{"Destination"}
    S -->|"Crypto"| C{"Destination"}
    D -->|"Crypto"| ON["Direct on-ramp"]
    D -->|"Fiat"| FF["Explicit fiat-to-fiat route"]
    C -->|"Same-chain crypto"| SW["Same-chain swap"]
    C -->|"Fiat with direct pair"| OFF["Direct off-ramp"]
    C -->|"Fiat without direct pair"| TF["Explicit token-to-fiat route"]
```

Before routing, collect:

* source asset and chain, or source fiat;
* exact-source or exact-destination mode;
* amount;
* destination asset or fiat currency;
* destination country;
* optional routing preference.

Estimate the route before asking for a recipient. For a fiat destination, use
the returned `recipient_requirements` to ask the user which instrument to use
and collect only that instrument's required fields before creation.

If no live route exists, explain that it is currently unavailable. Do not
invent a corridor, split the payment, or silently change chains.