On-Ramp & Off-Ramp

✅
What this does
Your user buys crypto with their local currency (on-ramp), or sells crypto and gets local currency in their bank account (off-ramp). The money is theirs on both sides — it never touches your balance.

Ways to offer it

	You build	TransFi does
Widget	Embed a ready-made screen	Everything
API	Your own screens on the calls below	Payment, conversion, delivery
Fiat only	The crypto side yourself	The local-currency side only

The steps below are the API route.

Before you start

The user must be verified (KYC) before their first order. See Identity Verification.
Get a rate first with orderType=onramp or offramp. → Get Exchange Rates

On-ramp — user buys crypto

curl -X POST 'https://sandbox-api.transfi.com/v3/orders' \
  -H 'Authorization: Basic YOUR_BASE64_CREDENTIALS' \
  -H 'mid: YOUR_MID' \
  -H 'Content-Type: application/json' \
  -d '{
    "userId": "UX-250930062608488",
    "orderType": "onramp",
    "purposeCode": "personal",
    "partnerId": "onramp-3001",
    "source": {
      "currency": "BRL",
      "amount": "500",
      "paymentType": "bank_transfer",
      "paymentCode": "PIX"
    },
    "destination": {
      "currency": "USDT",
      "network": "polygon",
      "walletAddress": "0xUSER_WALLET"
    }
  }'

You get a payUrl. The user pays there. The crypto is sent to their wallet.

Status	Meaning	What to do
`initiated`	Waiting for the user to pay	Show `payUrl`
`fund_processing`	Payment made, being confirmed	Show "processing"
`fund_deposited`	Local money received	Show "sending crypto"
`asset_processing`	Crypto being sent	Show "sending crypto"
`asset_settled`	Done. Crypto is in the user's wallet	Show complete
`fund_deposit_failed`	Payment didn't arrive	New order, new `partnerId`
`asset_settle_failed`	Crypto couldn't be sent	Contact support with the `orderId`

Off-ramp — user sells crypto

curl -X POST 'https://sandbox-api.transfi.com/v3/orders' \
  -H 'Authorization: Basic YOUR_BASE64_CREDENTIALS' \
  -H 'mid: YOUR_MID' \
  -H 'Content-Type: application/json' \
  -d '{
    "userId": "UX-250930062608488",
    "orderType": "offramp",
    "purposeCode": "personal",
    "partnerId": "offramp-3002",
    "source": {
      "currency": "USDT",
      "amount": "200",
      "network": "polygon"
    },
    "destination": {
      "currency": "BRL",
      "paymentType": "bank_transfer",
      "paymentCode": "PIX"
    }
  }'

You get a deposit walletAddress and network. The user sends crypto there. Local currency is paid to their account.

Status	Meaning	What to do
`initiated`	Waiting for the crypto	Show the address and network
`asset_processing`	Crypto received, converting	Show "processing"
`fund_settled`	Done. Local money paid to the user	Show complete
`asset_settle_failed`	Crypto not received in time, or couldn't be converted	New order

🛑
Network and expiry. The user must send on the network shown. If the address expires before they send, create a new order — never reuse an address.

An off-ramp order can be cancelled while it is still waiting for the crypto. → Cancel Order

APIs used

Create Individual User · Standard KYC · Get Exchange Rates · Create Order · Get Order · Simulate Order Status

Collections · Swaps — convert money you hold

On-Ramp & Off-Ramp

What this does

Ways to offer it

Before you start

On-ramp — user buys crypto

Off-ramp — user sells crypto

Network and expiry. The user must send on the network shown. If the address expires before they send, create a new order — never reuse an address.

APIs used

Related