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+@startuml
+!includeurl https://raw.githubusercontent.com/w3c/webpayments/gh-pages/PaymentFlows/skin.ipml
+
+Actor "Customer Browser" as Customer
+Participant "Bank Site" as Bank
+Participant "Taler Exchange" as Exchange
+
+note over Customer, Bank: HTTPS
+note over Customer, Exchange: HTTPS
+note over Bank, Exchange: SEPA
+
+title Taler (Withdraw coins)
+
+Customer->Bank: user authentication
+Bank->Customer: send account portal
+
+Customer->Customer: initiate withdrawal (specify amount and exchange)
+
+Customer->Exchange: request key material and wire transfer data
+Exchange->Customer: send key material and wire transfer data
+
+Customer->Bank: execute withdrawal
+
+opt
+Bank->Customer: request transaction authorization
+Customer->Bank: transaction authorization
+end
+
+Bank->Customer: withdrawal confirmation
+Bank->Exchange: execute wire transfer
+
+
+@enduml