Fiat On-Ramp Flow (card, bank, local methods)
Ramply's fiat on-ramp infrastructure is powered by Unlimit, providing seamless conversion from traditional fiat currencies to stablecoins with support for multiple payment methods across 120+ countries.
Unlimit Integration
Core On-Ramp Services
Payment Processing: Global payment processing infrastructure
Multi-Currency Support: 50+ fiat currencies supported
Regional Payment Methods: Local payment solutions for each market
Compliance Integration: Built-in KYC/AML and regulatory compliance
Fraud Prevention: Advanced fraud detection and prevention systems
Key Benefits
Global Reach: Coverage across 120+ countries
Local Expertise: Deep understanding of regional payment preferences
Regulatory Compliance: Built-in compliance with local regulations
High Success Rates: Optimized payment flows for maximum conversion
Payment Methods
Card Payments
Credit Cards: Visa, Mastercard, American Express
Debit Cards: All major debit card networks
3D Secure: Enhanced security for card transactions
Tokenization: Secure card data storage and processing
Real-time Authorization: Instant payment approval
Bank Transfers
ACH Transfers: Automated Clearing House for US users
SEPA Transfers: Single Euro Payments Area for European users
Wire Transfers: International wire transfer support
Open Banking: Direct bank account integration
Instant Bank Transfers: Real-time bank-to-bank transfers
Regional Payment Methods
Mobile Money: M-Pesa, MTN Mobile Money, Airtel Money
Digital Wallets: PayPal, Apple Pay, Google Pay, Samsung Pay
E-wallets: Regional e-wallet solutions
Banking Apps: Direct integration with local banking apps
Cryptocurrency: Direct crypto-to-stablecoin conversion
On-Ramp Process Flow
Step 1: Payment Initiation
User Selection: User selects payment method and amount
Rate Calculation: Real-time exchange rate calculation
Fee Display: Transparent fee structure presentation
Payment Gateway: Redirect to Unlimit payment gateway
Step 2: Payment Processing
Authentication: User authentication and verification
Payment Authorization: Payment method authorization
Fraud Check: Real-time fraud detection and prevention
Compliance Verification: KYC/AML compliance check
Step 3: Stablecoin Conversion
Fiat Receipt: Fiat currency received by Unlimit
Stablecoin Minting: USDC minting through Circle API
Blockchain Transfer: Stablecoin transfer to user's wallet
Confirmation: Transaction confirmation and notification
Technical Implementation
API Integration
RESTful APIs: Standard REST API for payment processing
Webhook Support: Real-time payment status updates
SDK Integration: Easy integration with mobile and web apps
Documentation: Comprehensive API documentation and examples
Security Measures
End-to-End Encryption: All payment data encrypted in transit
PCI DSS Compliance: Payment card industry security standards
Tokenization: Sensitive data replaced with secure tokens
Fraud Detection: Machine learning-based fraud prevention
Error Handling
Retry Mechanisms: Automatic retry for failed transactions
Fallback Options: Alternative payment methods for failed attempts
User Notifications: Real-time status updates and error messages
Support Integration: Seamless escalation to support team
Regional Adaptations
North America
ACH Integration: Direct ACH processing for US users
Canadian Banking: Interac e-Transfer support
Mexican Payments: SPEI and OXXO payment support
Europe
SEPA Integration: Single Euro Payments Area support
Open Banking: PSD2-compliant open banking integration
Local Methods: iDEAL, Sofort, Bancontact support
Asia-Pacific
UPI Integration: Unified Payments Interface for India
Alipay/WeChat Pay: Chinese payment methods
GrabPay: Southeast Asian payment solution
Africa
Mobile Money: M-Pesa, MTN Mobile Money integration
Bank Transfers: Local bank transfer methods
Cryptocurrency: Direct crypto on-ramp support
Performance Optimization
Speed Optimization
Pre-authorization: Faster payment processing
Caching: Frequently used data cached for speed
CDN Integration: Global content delivery for faster loading
Async Processing: Non-blocking payment processing
Cost Optimization
Dynamic Routing: Automatic selection of cheapest payment method
Batch Processing: Multiple transactions processed together
Fee Optimization: Real-time fee calculation and optimization
Volume Discounts: Reduced fees for high-volume users
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