On-Ramp Gateway Development (Fiat → Crypto)
On-ramp gateway is user entry point from traditional finance into crypto. Bank cards, wire transfers, cash — all transform into cryptocurrency in user wallet with minimal friction, within regulatory requirements and acceptable fees.
System Architecture
Payment Layer — fiat via Stripe, Adyen, Checkout.com for cards; SEPA/SWIFT/ACH for bank transfers; Apple Pay, Google Pay.
KYC/AML — Sumsub, Jumio, Onfido for verification; Chainalysis, Elliptic for sanctions screening.
FX/Pricing — rate calculation with margins, quote aggregation.
Crypto Fulfillment — send from custody or via liquidity provider.
Risk Management — fraud detection, velocity checks, transaction limits.
KYC Implementation
Tier 1 (€0-1K/mo): Email, phone, IP. Tier 2 (€1K-15K/mo): ID upload, selfie verification. Tier 3 (unlimited): Enhanced DD, source of funds, video.
Chargeback Protection
3DS2 authentication mandatory. Velocity limits: max 3 tx/24hrs first 30 days. Delayed delivery 24–72hrs for new users. Chargeback insurance via Chargebacks911, Kount.
Deploy in MSB-friendly jurisdictions (EU, US, Canada) with money transmission licensing. Maintain AML/CFT compliance, transaction monitoring, FATF Travel Rule implementation.