> For the complete documentation index, see [llms.txt](https://whitepaper.digitap.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://whitepaper.digitap.app/architecture/concept/operational-flow-example.md).

# Operational Flow Example

When a user sends funds, whether paying an invoice in USDT, settling payroll in EUR, or transferring to a vendor in ETH, the DigiTap protocol:

{% stepper %}
{% step %}
Detects the source asset and preferred delivery currency.
{% endstep %}

{% step %}
Routes the transaction via the lowest-cost, highest-liquidity channel (on-chain or off-chain).
{% endstep %}

{% step %}
Executes settlement, simultaneously updating wallet balances, bank ledgers, and accounting tools.
{% endstep %}

{% step %}
Records a hash of the transaction in the DigiTap audit ledger for compliance and future verification.
{% endstep %}
{% endstepper %}


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