On-ramp
Converting fiat and crypto deposits into tokenised balance on GoldRail
What an on-ramp does
An on-ramp moves value from the traditional or crypto economy into your platform's digital ledger. The user deposits via card, bank, mobile money, or other local rail; after confirmation, they receive spendable balance in the chosen asset—USDC for dollar wallets, EURC for euro accounts, XOFC for CFA markets, and so on.
On-ramps are the regulated front door: KYC, sanctions screening, and deposit proof attach here.
User outcome
After a confirmed deposit, PayLink On-Ramp credits the user's wallet with digital balance they can transfer, hold, or later withdraw. Echo delivers status events so your app stays in sync without polling.
Duplicate requests with the same business reference should return the original result—critical when payment channels or webhooks retry.
Channel considerations
| Channel | Typical latency | Planning note |
|---|---|---|
| Card | Minutes | Handle chargebacks separately |
| Bank / ACH / SEPA | Hours to days | Wait for irrevocable settlement |
| Mobile money | Seconds to minutes | Common in emerging markets; match telco reference in records |
For integration steps, see Getting Started and PayLink docs in the API reference.