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Fiat Onramps

Integrate seamless fiat-to-Bitcoin conversion services into your Spark applications for easy user onboarding.

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Overview

Fiat onramps allow users to convert traditional currency (USD, EUR, etc.) into Bitcoin and Spark assets, making Bitcoin applications accessible to mainstream users.

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Prerequisites

  • Understanding of payment processing
  • Familiarity with KYC/AML requirements
  • Spark SDK knowledge
  • Integration with payment providers

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Getting Started

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Onramp Integration

Connect users to Bitcoin through:
  • Credit/Debit Cards: Instant Bitcoin purchases
  • Bank Transfers: ACH and wire transfers
  • Digital Wallets: PayPal, Apple Pay, Google Pay
  • Crypto Exchanges: Integration with major exchanges

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Key Features

  • Instant Settlement: Funds available immediately on Spark
  • Low Fees: Optimized conversion rates
  • Global Support: Multi-currency and multi-region
  • Compliance: Built-in KYC/AML compliance

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Implementation

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Basic Onramp Flow

// Initiate fiat onramp
const onramp = await createFiatOnramp({
  amount: 100, // USD
  currency: 'USD',
  destination: 'spark_address',
  paymentMethod: 'card',
});

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Integration Patterns

Direct Integration
  • Embed onramp widgets
  • Custom UI components
  • Seamless user experience
  • Brand consistency
Redirect Flow
  • External payment pages
  • Reduced integration complexity
  • Provider-hosted compliance
  • Quick implementation
API Integration
  • Custom payment flows
  • Advanced features
  • Full control
  • Complex requirements

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Supported Providers

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Card Payments

  • Stripe: Global card processing
  • Coinbase Commerce: Crypto-focused payments
  • MoonPay: Multi-asset onramp
  • Ramp: European-focused service

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Bank Transfers

  • Plaid: Bank account verification
  • Yodlee: Financial data aggregation
  • Open Banking: European bank integration
  • ACH Networks: US bank transfers

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Digital Wallets

  • PayPal: Global digital payments
  • Apple Pay: iOS integration
  • Google Pay: Android integration
  • Samsung Pay: Samsung device support

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Use Cases

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Consumer Applications

  • Wallet Apps: Easy Bitcoin purchasing
  • Gaming: In-app currency conversion
  • E-commerce: Bitcoin payment options
  • Social Apps: Tipping and rewards

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Enterprise Solutions

  • Treasury Management: Corporate Bitcoin purchases
  • Payment Processing: Multi-asset payment rails
  • Compliance: Regulated conversion services
  • B2B Services: Business-to-business payments

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DeFi Applications

  • DEX Integration: Fiat-to-DeFi bridges
  • Yield Farming: Easy capital deployment
  • Lending Protocols: Collateral acquisition
  • Trading Platforms: Seamless asset conversion

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Compliance & Security

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KYC/AML Requirements

  • Identity Verification: Document upload and verification
  • Address Verification: Proof of residence
  • Sanctions Screening: OFAC and other lists
  • Transaction Monitoring: Suspicious activity detection

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Security Measures

  • Encryption: End-to-end data protection
  • PCI Compliance: Card data security
  • Fraud Prevention: Machine learning detection
  • Audit Trails: Complete transaction records

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Best Practices

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User Experience

  • Minimal Friction: Streamlined onboarding
  • Clear Pricing: Transparent fee structure
  • Progress Indicators: User journey visibility
  • Error Handling: Graceful failure management

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Technical Implementation

  • Rate Limiting: Prevent abuse
  • Webhook Handling: Real-time status updates
  • Retry Logic: Robust error recovery
  • Monitoring: Comprehensive logging

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Compliance

  • Data Privacy: GDPR and CCPA compliance
  • Record Keeping: Audit trail maintenance
  • Reporting: Regulatory compliance
  • Risk Management: Ongoing monitoring

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Next Steps

  • Choose your onramp provider
  • Implement basic integration
  • Add compliance features
  • Optimize user experience
  • Deploy production-ready solution