diff --git a/api/payments/orchestrator/internal/service/orchestrator/provider_settlement.go b/api/payments/orchestrator/internal/service/orchestrator/provider_settlement.go
index c5f002fd..8912c0ce 100644
--- a/api/payments/orchestrator/internal/service/orchestrator/provider_settlement.go
+++ b/api/payments/orchestrator/internal/service/orchestrator/provider_settlement.go
@@ -46,11 +46,33 @@ func (p *paymentExecutor) buildProviderSettlementTransferRequest(payment *model.
 	if strings.TrimSpace(metadata[providerSettlementMetaOutgoingLeg]) == "" {
 		metadata[providerSettlementMetaOutgoingLeg] = strings.ToLower(strings.TrimSpace(string(step.Rail)))
 	}
+
+	sourceWalletRef := ""
+	if payment.Intent.Source.ManagedWallet != nil {
+		sourceWalletRef = strings.TrimSpace(payment.Intent.Source.ManagedWallet.ManagedWalletRef)
+	}
+	if sourceWalletRef == "" {
+		return rail.TransferRequest{}, merrors.InvalidArgument("provider settlement: source managed wallet is required")
+	}
+
+	destRef := ""
+	if payment.Intent.Destination.Type == model.EndpointTypeCard {
+		if route, err := p.resolveCardRoute(payment.Intent); err == nil {
+			destRef = strings.TrimSpace(route.FundingAddress)
+		}
+	}
+	if destRef == "" {
+		destRef = paymentRef
+	}
+
 	return rail.TransferRequest{
 		OrganizationRef: payment.OrganizationRef.Hex(),
+		FromAccountID:   sourceWalletRef,
+		ToAccountID:     destRef,
 		Currency:        strings.TrimSpace(amount.GetCurrency()),
 		Amount:          strings.TrimSpace(amount.GetAmount()),
 		IdempotencyKey:  requestID,
+		DestinationMemo: paymentRef,
 		Metadata:        metadata,
 		ClientReference: paymentRef,
 	}, nil