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Available Countries: South Africa, Ivory Coast, Benin, Congo B, Gabon, Burkina Faso, Malawi, Mozambique, Senegal, Sierra Leone, Zambia

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1. Transaction Initiation

Creating an onramp transaction with rate locking.

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2. Fiat Payment Collection

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Mobile Money Payment

Available Countries: All supported countries Networks: M-PESA, MTN Money, Airtel Money, Orange Money

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Bank Checkout Payment

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Fiat Wallet Deduction

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3. Crypto Delivery

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Lightning Network Delivery

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EVM Chain Delivery

Supported Networks: Ethereum, Polygon, Arbitrum, Base, Optimism Tokens: USDT, USDC, DAI

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TRON Network Delivery

Tokens: USDT (TRC20)

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Fiat Wallet Credit (No Crypto Wallet)

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4. Webhook Notification

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Transaction Statuses

StatusDescription
PENDINGAwaiting fiat payment
PENDING_PROVIDERPayment initiated with provider
CRYPTO_PENDINGFiat confirmed, crypto transfer in progress
PROCESSINGBlockchain transaction submitted
SUCCESSCrypto delivered successfully
FAILEDTransaction failed (fiat refunded to wallet)
TIMEOUTPayment not confirmed within 24 hours

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Key Features

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Rate Locking

  • Exchange rate locked at transaction creation
  • Valid for 30 minutes
  • Auto-refreshed upon payment confirmation

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Flexible Delivery

  • Has Crypto Wallet: Crypto delivered to user’s address
  • No Crypto Wallet: Fiat credited at crypto rate

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Safety Mechanisms

  • Failed crypto transfers automatically refund to fiat wallet
  • Up to 3 retry attempts for blockchain transactions
  • Balance never lost

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Error Handling

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Insufficient Fiat Wallet Balance

{
  "statusCode": 400,
  "message": "Insufficient balance in fiat wallet"
}

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Invalid Crypto Address

{
  "statusCode": 400,
  "message": "Invalid crypto address"
}

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Crypto Transfer Failed (Auto-Refund)

{
  "status": "FAILED",
  "message": "Crypto transfer failed after 3 attempts",
  "refund": {
    "amount": 10000,
    "currency": "KES",
    "destination": "Fiat Wallet",
    "status": "REFUNDED"
  }
}

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Best Practices

  • Pre-Check Rates: Use /rates/onramp-rate before creating transaction
  • Validate Addresses: Verify address format matches network
  • Handle Callbacks: Implement webhook endpoint with HMAC verification
  • Monitor Status: Poll status endpoint and display transaction hash to users

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Testing

Use sandbox mode with test credentials provided in sandbox documentation.