The solution
Structured access from fiat
to digital assets
Rampay is designed as a structured fiat-to-crypto access layer for digital platforms, coordinating payment access, customer verification, transaction controls, conversion and digital asset delivery within a defined transaction lifecycle.
On-ramp basics
What is a fiat-to-crypto on-ramp?
An on-ramp provides a route from traditional fiat currency into digital assets. In an embedded journey, an end user initiates a fiat payment, completes the applicable verification and transaction requirements, and receives the selected digital asset at the user’s designated wallet.
The purpose of the on-ramp is to coordinate the transition between fiat payment infrastructure and digital asset delivery within a structured user journey.
Understanding the role of an on-ramp
On-ramp
Provides a route from fiat currency into a digital asset for the end user.
Exchange
Provides an environment for buying, selling or trading digital assets, typically through an account or trading interface.
Payment gateway
Facilitates payment acceptance for goods or services.
Custody
Involves holding digital assets or private-key access on behalf of users.
Rampay is designed around an embedded end-user fiat-to-digital-asset on-ramp journey. The descriptions above are conceptual explanations of product categories and are not legal classifications of Rampay or of any third-party service provider.
The transaction model
A session-based transaction model
Rampay is designed around a session-based transaction model. The transaction model is designed to coordinate applicable stages and service components through a structured journey, rather than presenting an on-ramp as a single opaque step.
01
Session creation
A transaction journey begins with a session created for a defined request, establishing the context in which the journey is carried out.
02
Transaction reference
Each journey is associated with a reference that supports operational tracking and downstream reconciliation concepts.
03
Customer journey
The end user is guided through a defined sequence of steps, with transaction information presented before confirmation.
04
Verification stages
Identity and eligibility requirements may be incorporated into the journey, subject to applicable requirements.
05
Payment stage
A fiat payment stage is coordinated using the payment components made available for the relevant configuration.
06
Transaction controls
Screening, risk-based controls and review mechanisms may apply before a journey can progress.
07
Conversion stage
Following successful completion of applicable stages, fiat value may be converted into the selected supported digital asset.
08
Customer wallet delivery
The selected digital asset is transferred to the end user’s designated wallet once applicable requirements are completed.
09
Status events
Structured states communicate progress, completion, exception or unavailability to the integrating platform.
The integrating business does not receive the end user’s digital asset as part of this transaction journey. Relevant regulated service components may be performed by third-party service providers operating under their applicable regulatory permissions. The stages present in any given journey, and the parties responsible for them, depend on the service configuration, jurisdiction and the service components made available.
Core components
Six components of the access layer
Each component addresses a distinct part of the journey, with defined inputs, outputs and completion states.
Fiat Access
Designed to provide the entry point through which an eligible user initiates a fiat-to-digital-asset transaction.
Customer Verification
Identity and eligibility requirements can be incorporated into the journey according to applicable requirements and transaction characteristics.
Transaction Controls
Risk-based screening, monitoring and review mechanisms may apply throughout the transaction lifecycle.
Conversion
Following successful completion of applicable stages, fiat value may be converted into the selected supported digital asset.
Digital Asset Delivery
Following successful payment, verification, conversion and applicable controls, the selected digital asset is transferred to the end user’s designated wallet.
Status & Operations
Structured transaction states and references support operational tracking and downstream system updates.
Structured, not opaque
Predictable stages and visible states
A structured journey is easier to integrate, easier to operate and easier to review.
- Defined transaction stages rather than a single opaque step
- Visible statuses that reflect progress and outcome
- Traceable references for operational and reconciliation purposes
- Structured exception handling where a journey cannot proceed as expected
- Operational review where additional assessment may be required
- Controlled completion states, including unavailability and decline outcomes
Actual transaction requirements and service components depend on jurisdiction, integration configuration, customer eligibility and the services made available.