FIXPAYS / Solutions
On-Ramp & Off-Ramp Payment Solutions
Assess the movement between fiat money and digital assets with a precise view of the customer, the conversion provider and the receiving account or wallet.
Separate conversion from merchant acceptance
An on-ramp converts fiat into digital assets; an off-ramp converts digital assets into fiat. A merchant accepting a payment is not necessarily the party providing that conversion. Define whether the service serves the merchant itself or its end customers.
Identify every regulated role
Document the parties handling funds, executing conversion and providing custody where relevant. Assess permissions, identity checks and geographic scope for the proposed model. A technology connection does not itself establish authority to provide a financial service.
Plan the return journey
Explain how an incomplete conversion, incorrect wallet instruction, bank rejection or refund would be handled. Confirm supported assets, currencies, beneficiary types and settlement conditions in writing for the actual arrangement.
What to prepare
- Merchant or end-customer conversion use case
- Legal entities and intended customer locations
- Fiat currencies, assets and networks requested
- Wallet custody and beneficiary details
- Permissions and compliance responsibilities
Questions to resolve early
Are on-ramp and off-ramp services available to every merchant?
No. Access is assessed by use case, entity, geography, asset and provider requirements.
Does this replace a merchant processing agreement?
Not necessarily. Collection, conversion and settlement can involve separate relationships. Review the full contractual and operational chain.
Availability is subject to business assessment, lawful activity, destination-market requirements and provider approval. No industry or payment method is approved automatically.
Reference: FATF: guidance on virtual assets and service providers. Requirements depend on the market and business model.
Build a clearer payment brief
Share your business model, customer markets and processing requirements for an initial assessment.