Consumer vs Business Onramp
Crossmint offers two onramp modalities: Consumer Onramp - Enable end users to buy stablecoins with credit cards or personal bank accounts. Individual KYC required. Standard limits ($1,000/user/day). Business Onramp - Fund treasury wallets from corporate bank accounts via bank transfer (ACH, wire). Bank transfer initiated. Business KYB required. Higher limits for business-scale operations. Choose Consumer if building consumer-facing products where users fund their wallets. Choose Business if funding corporate treasury wallets from corporate bank accounts. Key Features- Native integrations: embedded and headless flows which feel native to your app.
- Progressive onboarding: Consumer onramp - light KYC for up to $1,000 per year. Above that threshold, full KYC applies.
- Full chargeback protection: Consumer onramp - Crossmint manages disputes and assumes chargeback risk.
- Multiple payment methods: Consumer - credit/debit cards, personal bank accounts. Business - corporate bank accounts (ACH, wire).
- Real-time observability: monitor events via dashboards, webhooks, and APIs.
- Integrated Crossmint wallets: modular APIs, fully integrated with Crossmint’s wallets.
Integration Options
Consumer Onramp
| Integration Type | Best for | Customization level | Supported Platforms |
|---|---|---|---|
| Embedded (recommended) | Teams that want a plug-and-play experience, with minimal engineering effort | Medium — prebuilt UI with branding controls | Web, mobile apps (React, WebView) |
| Headless API | Teams that want to own the full onramp experience and integrate natively into their stack | Full — complete control over UX, UI, and flow | Anywhere, as long as there’s a supported payment method (e.g. a card PSP, or a crypto wallet) |
Business Onramp
| Integration Type | Best for | Customization level | Supported Platforms |
|---|---|---|---|
| Bank Transfer Initiated | Businesses that need to fund treasury wallets from corporate bank accounts via bank transfers (ACH, wire) | Full — complete control over integration and automation | Server-to-server integration, treasury management systems |
Resources
Onramp Quickstart
See a code implementation example
Fintech Starter App
Demo webapp of a bank-like product with Crossmint wallets and onramp
FAQs
How can I test the product? And how do I move to production?
How can I test the product? And how do I move to production?
The product is self-serve on staging. You can get an API key on the staging console and follow the instructions on the docs.To move to production, you need a production API key. To obtain production access, reach out to our sales team.
Which tokens are supported?
Which tokens are supported?
Today, we support USDC and USDT. Access to other stablecoins available upon request. Check the checkout for
support for other digital assets.
How can I track sales?
How can I track sales?
You can monitor purchases onchain or using webhooks. Sales dashboards, logs, and advanced analytics are also
available in the console.
What are the transaction limits?
What are the transaction limits?
The standard transaction limits are $1,000 per user and day. If you need higher limits, contact us.
Which geographies are supported?
Which geographies are supported?
To obtain the latest list of supported geographies, contact us.
What are the KYC requirements for the onramp?
What are the KYC requirements for the onramp?
All users must complete KYC in order to use the onramp. Two levels of KYC are supported:
-
Light KYC: applies to low-volume users. It requires providing full name, date of birth, nationality, country of residence, email, and government-issued ID number (no photo). Light KYC is only valid if all of the following thresholds are met simultaneously:
- No more than €1,000 transacted in aggregate within a rolling 12-month period.
- No more than 2 transactions per calendar month.
- No more than 5 transactions in total within a rolling 12-month period.
- Full KYC: is required once any of the above thresholds are exceeded, or if a risk flag is raised. In addition to the information collected for light KYC, users must provide residential address, source of funds, employment status, and complete a liveness check with document ID verification.