On-Ramp Flow

The Linka On-Ramp flow allows businesses to convert local Latin American fiat currencies into stablecoins (USDC/USDT) in real-time. This process is optimized for speed, reliability, and automated reconciliation.

1. Requesting a Quote

The first step is to obtain a guaranteed exchange rate. Quotes are typically valid for 15 minutes.

POST /v1/quotes
{
  "pair": "MXN_USDC",
  "amount": "10000.00",
  "side": "buy"
}

2. Initializing the Session

Once the user confirms the quote, you initialize a session. This reserves the liquidity and prepares our banking infrastructure to receive the transfer.

POST /v1/onramp/sessions
{
  "quote_id": "qte_12345",
  "user_id": "usr_98765",
  "destination_wallet": "wal_abc123"
}

3. Bank Transfer (The "Push" Method)

Linka operates using a "Push" model. The user must manually send funds from their bank account to our local partner's account using the specific instructions provided.

Local Rails Supported:

• Mexico: SPEI (24/7)
• Chile: TEF / Khipu
• Colombia: ACH / PSE
• Brazil: PIX (24/7)

[!IMPORTANT] Reference Codes: Every session includes a unique reference_code. Users must include this in their bank transfer's "Description" or "Reference" field. This is how Linka automatically matches the deposit to the session.

4. Automated Reconciliation

Our system monitors local bank feeds via API.

1. Detection: Within seconds of the user sending funds, we detect the incoming transfer.
2. Matching: We match the transfer to the active session via the reference code.
3. Execution: We apply the locked exchange rate and initiate the on-chain issuance.

5. Stablecoin Issuance

The stablecoins are sent directly to the destination_wallet. For most networks (Polygon, Stellar), this is completed in under 60 seconds.

Integration Checklist

• Implement quote display UI.
• Clearly display the reference_code to the user.
• Handle onramp.payment_detected webhook to show a "Processing" status.
• Handle onramp.completed webhook to confirm success.

Error Handling