# 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 %}