When the deposit is made to, the virtual account detects the incoming funds via the fiat payment rails (eg. SEPA or ACH). Our partner, MoonPay, converts the fiat into stablecoins, which are then settled into your Moneda Spending Account (EUR or USD balance). Similarly, when you withdraw funds to a bank account, the funds are transferred to a wallet address which is monitored by MoonPay. Once the the incoming funds are settled on the blockchain, our partner proceeds to transfer the corresponding fiat currency to the bank account.