Fiat On-Ramp

Fiat on-ramp is a payment integration that lets your users purchase cryptocurrency using credit cards and bank transfers directly inside your application. Users pay with traditional methods and receive crypto in their self-custody wallets, removing the need to visit external exchanges.

Why add a fiat on-ramp?

On-ramp removes the biggest barrier for new crypto users: acquiring their first tokens.

Without On-Ramp	With On-Ramp
User must find an exchange	User buys directly in your app
Complete KYC on external site	Minimal KYC for small amounts
Wait for account approval	Instant purchase
Transfer tokens manually	Crypto delivered to wallet
High drop-off rate	Seamless conversion

Provider

On-ramp is powered by Mercuryo, a licensed crypto wallet and payment service provider. Mercuryo handles:

Payment processing
Regulatory compliance
KYC verification (when required)
Exchange rates
Transaction limits

For low purchase amounts, full KYC is typically not required. Higher amounts may require identity verification based on regional regulations.

Supported Assets

Asset	Chain	Status
ADA	Cardano	Available
BTC	Bitcoin	Available
USDC	Cardano	Coming Soon
USDT	Cardano	Coming Soon

Supported Currencies

Currency	Payment Methods
USD	Credit/Debit Card, Bank Transfer
EUR	Credit/Debit Card, Bank Transfer, SEPA
GBP	Credit/Debit Card, Bank Transfer
CAD	Credit/Debit Card
AUD	Credit/Debit Card
Additional currencies	See Mercuryo documentation

Supported Regions

On-ramp is available in most countries except those under sanctions or with specific cryptocurrency restrictions. Check Mercuryo’s supported countries for the complete list.

⚠️

Some US states have restrictions. Availability may vary based on user location and regulatory requirements.

Purchase Limits

Tier	Daily Limit	Monthly Limit	KYC Required
Basic	$200	$1,000	Email only
Verified	$5,000	$20,000	ID verification
Enhanced	$50,000+	Custom	Full KYC

Limits may vary by region and payment method.

Buy from the Wallet Dashboard

Users can purchase crypto directly from the UTXOS wallet interface:

Open the wallet

Navigate to wallet dashboard and connect your wallet.

Select asset and amount

Choose the cryptocurrency and enter the amount you want to purchase.

Complete payment

You are redirected to the Mercuryo gateway. Select your payment method and complete the transaction.

Receive crypto

After successful payment, crypto is delivered directly to your wallet address.

Integrate via SDK

Embed on-ramp directly in your application for a seamless user experience.

Basic Usage

import { Web3Sdk } from "@utxos/sdk";
 
const sdk = new Web3Sdk({
  projectId: process.env.NEXT_PUBLIC_UTXOS_PROJECT_ID,
});
 
// Connect user wallet
const wallet = await sdk.wallet.connect();
 
// Launch on-ramp for Cardano
wallet.onramp({ chain: "cardano" });
 
// Launch on-ramp for Bitcoin
wallet.onramp({ chain: "bitcoin" });

With Options

wallet.onramp({
  chain: "cardano",
  fiatCurrency: "USD",      // Pre-select fiat currency
  fiatAmount: 100,          // Pre-fill purchase amount
  cryptoCurrency: "ADA",    // Pre-select crypto
});

Parameters

Parameter	Type	Required	Description
`chain`	`"cardano"` \| `"bitcoin"`	Yes	Target blockchain
`fiatCurrency`	`string`	No	Pre-selected fiat currency (e.g., “USD”, “EUR”)
`fiatAmount`	`number`	No	Pre-filled purchase amount
`cryptoCurrency`	`string`	No	Pre-selected cryptocurrency

Fees

Fee Type	Amount
UTXOS fee	None
Mercuryo fee	2.95% - 3.95% (varies by payment method)
Network fee	Paid by provider

Fees are displayed to users before they confirm the purchase.

Best Practices

Place on-ramp prominently - Users need to find it when they realize they need tokens
Pre-fill amounts - Suggest common purchase amounts based on your use case
Handle the redirect - Users return to your app after completing purchase
Monitor purchases - Track conversion rates to optimize placement

Error Handling

try {
  await wallet.onramp({ chain: "cardano" });
} catch (error) {
  if (error.code === "REGION_NOT_SUPPORTED") {
    // User's region is not supported
    showAlternativeOptions();
  } else if (error.code === "WALLET_NOT_CONNECTED") {
    // User needs to connect wallet first
    await sdk.wallet.connect();
  }
}

Next Steps

Wallet Integration - Connect user wallets
Transaction Sponsorship - Pay fees for your users
Custom Branding - Match your app’s design

Frequently asked questions

Does UTXOS charge fees for on-ramp?

No. UTXOS does not add fees to on-ramp transactions. Mercuryo charges a processing fee of 2.95% to 3.95% depending on the payment method.

Is KYC required for all purchases?

Not always. Low-value purchases (under $200/day) typically require only email verification. Higher amounts trigger identity verification based on regional regulations.

Which countries are supported?

On-ramp is available in most countries except those under sanctions or with specific cryptocurrency restrictions. Some US states have restrictions. Check Mercuryo’s supported countries list for details.

Cardano Overview