> For the complete documentation index, see [llms.txt](https://docs.bill-z.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bill-z.com/billz-pro/how-it-works.md).

# how it works

This page explains the **high-level Billz Pro execution workflow**.\
Sensitive implementation details are intentionally omitted.

## Two execution modes (high-level)

### A) Direct conversion execution

Use crypto directly to fund a fiat payment execution.

### B) Collateralized liquidity execution (lending/borrowing-based)

Use crypto as collateral to access liquidity, then route that liquidity toward fiat payment execution.

{% hint style="info" %}
Availability depends on configuration, jurisdiction, risk policy, and supported workflows.
{% endhint %}

```mermaid
flowchart TD
    A[Initiate Payment Intent] --> B{Funding Mode}
    B -->|Direct| C[Direct Conversion Path]
    B -->|Collateralized| D[Collateral + Lending/Borrowing Path]
    C --> E[Compliance & Operational Checks]
    D --> E
    E --> F[SEPA / ACH Execution]
    F --> G[Proof & Confirmation]
```

> ### Workflow (visual)

## Standard execution flow

{% stepper %}
{% step %}

### Initiate payment

You provide:

* recipient name
* bank details (**IBAN** for SEPA / routing+account for ACH)
* fiat amount (EUR or USD)
* reference / memo (recommended when supported)
* optional internal reconciliation metadata (invoice ID, vendor tag)
  {% endstep %}

{% step %}

### Select funding approach

Depending on workflow and configuration:

* direct crypto-funded execution, or
* collateralized liquidity route (lending/borrowing-based)
  {% endstep %}

{% step %}

### Compliance and operational checks

Billz Pro may apply:

* KYC / KYB / EDD review (when required)
* risk thresholds
* jurisdiction checks
* rail constraints / cutoffs
  {% endstep %}

{% step %}

### Conversion / liquidity orchestration

Billz Pro orchestrates the required steps to prepare fiat execution.
{% endstep %}

{% step %}

### Fiat execution (SEPA / ACH)

A fiat transfer is initiated on:

* **SEPA (EUR)**
* **ACH (USD)**
  {% endstep %}

{% step %}

### Proof & confirmation

Billz Pro generates structured artifacts to support accounting and audit workflows.
{% endstep %}
{% endstepper %}

## Indicative timelines (not guaranteed)

| Rail | Typical range (indicative)                      |
| ---- | ----------------------------------------------- |
| SEPA | Same day / next business day (cutoff dependent) |
| ACH  | 1-3 business days (rail dependent)              |

> Timelines are not guaranteed and may be affected by banking cutoffs, compliance review, and operational conditions.

## Mini FAQ

<details>

<summary>Are timelines guaranteed?</summary>

No. Banking cutoffs, compliance review, and operational conditions can affect timelines.

</details>

<details>

<summary>Does collateralized mode remove liquidation risk?</summary>

No. It introduces collateral management and liquidation risk that must be monitored.

</details>

<details>

<summary>Can Billz Pro share the exact routing logic publicly?</summary>

No. Public docs intentionally avoid disclosing sensitive execution details.

</details>