Skip to main content

Bank Onramp

Overview​

Bank Onramp Banner

Accept bank transfer payments in fiat and receive immediate settlement in crypto.​

NOAH provides businesses with a seamless solution for converting fiat to crypto via inbound bank transfers. Our Bank Onramp Workflow endpoint automates this process, assigning each customer a unique bank account (e.g., IBAN, ACH routing number) for direct fiat deposits. Depending on your needs, the converted crypto can either remain in your NOAH wallet or, through our Workflow automation, be automatically withdrawn to external wallets. During the withdrawal step, you can also choose to withhold a percentage of the cryptocurrency as a service fee, which accumulates in your NOAH business account and is available for withdrawal at any time.

For instructions on integrating with this workflow, see the Bank Onramp recipe page.

Bank Onramp Automated Workflow​

Our Bank Onramp Workflow executes a series of cost-optimised transactions, providing a comprehensive payment flow. Your system is notified of each transaction through webhooks and the entire sequence can be reconciled using NOAH's business dashboard.

Individual & unique customer account numbers reduce customer drop-off, errors and incomplete transactions by eliminating the need for customers to enter a banking reference. This approach also simplifies refunds and transaction reconciliation, while minimising the impact of typos and mistakes.

  • A unique Bank account number is assigned to a customer (e.g., IBAN, ACH routing number).
  • Customers deposit fiat into their dedicated account number.
  • The deposited funds are converted automatically to the stablecoin or cryptocurrency defined in the Workflow.
  • The converted cryptocurrency is credited to your NOAH Business Account, from there if required, it can also be automatically disbursed to the customer's specified DestinationAddress.
    • A percentage of the selected currency can also be withheld, providing your business the ability to automatically charge your fees.

Key Advantages​

  • Low-Code Integration: Execute a comprehensive bank onramp flow from a single endpoint call.
  • Simplified KYC Processing: Choose between a customer KYC-share with NOAH or utilise NOAH's global compliance & licensing framework to handle customer KYC collection. See KYC & Identity Verification.
  • Real-Time, Transparent Pricing: Access real-time exchange rates that align with mid-market rates from top currency exchanges.
  • Instant Settlement: Benefit from instant settlement in your chosen currency, and automated withdrawals when required.
  • Automated Fee Handling: Withold a percentage of the disbursed cryptocurrency as your business's service fee, which can be withdrawn at any time.

Integration Types​

The Bank Onramp Workflow is offered as both a white-labeled solution or through our Hosted Offramp interface, providing flexibility to suit your needs and development capacity.

  • White-Label Integration: Integrate with a single back-end endpoint to accept fiat payments via bank transfers directly within your application. This solution offers full control of user flows and branding, making it easy to add fiat payments to your platform capabilities.
  • Hosted Onramp: For a streamlined, consumer-friendly experience, our Hosted Onramp interface guides users through the bank transfer process with ease. Hosted Onramp also enables you to leverage a range of other payment methods to accept fiat payment for cryptocurrency, products or services.

Supported Methods​

The Bank Onramp Automated Workflow endpoint supports the following payment methods, networks and currencies:

Fiat Payment Methods​

  • EUR/SEPA Bank Transfer
  • US ACH / Wire Transfers (coming soon)

Currencies and Networks​

Digital CurrenciesBitcoinLightningEthereumPolygonTRONStellarSolanaCelo
BTC✓✓
USDC✓✓✓✓✓
USDT (coming soon)✓✓✓✓✓✓
cUSD (coming soon)✓

Supported Countries​

The following countries are supported for EUR bank transfer payments via SEPA:

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden