# Bank Ramp: Desk Orders

> Coming soon, upon request — this feature is turned on for your tenant by the Aurea team. [Contact us](https://www.aureahub.com/contact)

The desk trades USDT and USDC against local currencies the instant rails do not cover — such as AOA, BIF, ETB, MZN and MWK — at a quoted rate, in both directions [Coming soon, upon request](https://docs.aureahub.com/docs/feature-availability.md). Orders take hours or days.

## Overview

1. Read the [Corridors](https://docs.aureahub.com/docs/desk-corridors.md): the desk's currencies, indicative rates, minimum, and whether it is open now.
2. [Quote an Order](https://docs.aureahub.com/docs/desk-quote.md) with what the user gives or receives: the rate holds for about a minute.
3. [Confirm the Order](https://docs.aureahub.com/docs/desk-confirm.md) before `quoteExpiresAt`.

The user must be verified and your tenant's limits apply, as on the [local rails](https://docs.aureahub.com/docs/guide-bank-local.md). BIF has no decimals; the other currencies have two.

## To a Bank

A stablecoin from the user's balance is paid as local currency to a bank account. Confirm with the `beneficiary` (name, bank, account number, branch); the stablecoin is reserved on the balance while the desk pays.

## From a Bank

The user pays local currency from their bank and receives a stablecoin on their balance:

1. The confirmed order answers `funding`: the account, the **reference** to write on the payment, the amount and the deadline. Show them to the user.
2. The user pays, with that reference, before the deadline.
3. [Upload the receipt](https://docs.aureahub.com/docs/desk-proof-upload.md) (PDF, PNG or JPEG, at most 10 MiB). If the desk refuses it, `proofRejectedReason` says why: upload a new one.
4. Once the desk confirms the funds, the stablecoin lands on the user's balance.

An order whose deadline passes without the payment expires.

## Statuses

`prepared` (quoted), then while it is sent `sending`, `paused` or `unknown`; `refused` or `accepted`; to a bank, `processing` until `completed` or `failed`; from a bank, `awaiting_instructions`, `awaiting_funds`, `proof_submitted`, `funds_confirmed`, then `completed`, `failed` or `expired`; and `cancelled`. A refund in progress shows in `refundStatus` (`pending`, then `returned`). Every change is sent as `ramp.desk_order.updated`.

## Cancelling

An order is cancelled only by the desk: [Ask to Cancel](https://docs.aureahub.com/docs/desk-cancellation.md) records the request, and the order's status moves with the desk's decision.

## Sandbox

In the sandbox, orders to a bank are accepted but never complete.

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Web version: https://docs.aureahub.com/#guide-bank-desk