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# On-Ramps and Off-Ramps

> Convert between fiat currencies and stablecoins with built-in compliance

Latitude on-ramps and off-ramps let you convert between fiat currencies and stablecoins. Accept local currency deposits from your users and convert them to USDC, or convert stablecoins to fiat and deliver via local payment rails.

See the [API basics](/api-basics) for authentication, idempotency, webhooks, and other fundamentals.

## On-Ramp: Fiat to Crypto

Accept fiat deposits from your users and automatically convert them to USDC.

### How It Works

1. **Create an individual** with your user's identity information for KYC verification
2. **Submit KYC documents** (government ID images)
3. **Wait for KYC approval** — receive a webhook when the individual is verified
4. **Create a conversion account** — this generates a virtual bank account (e.g. CLABE for MXN) where your user can deposit funds
5. **User deposits fiat** to the virtual account
6. **Automatic conversion** — Latitude converts the deposit to USDC and sends it to your designated wallet
7. **Track via webhooks** — receive notifications for each stage of the conversion

### Supported On-Ramp Corridors

#### Live Markets

| Source Currency | Source Country | Destination       | Payment Rails     | Deposit Method          | Settlement       |
| --------------- | -------------- | ----------------- | ----------------- | ----------------------- | ---------------- |
| MXN             | Mexico         | Stablecoin wallet | SPEI              | Virtual Account (CLABE) | Real-time + 24/7 |
| PHP             | Philippines    | Stablecoin wallet | InstaPay, PESONet | QR Ph                   | Real-time + 24/7 |

#### Beta Markets

| Source Currency | Source Country            | Destination       | Payment Rails          | Deposit Method         | Settlement       |
| --------------- | ------------------------- | ----------------- | ---------------------- | ---------------------- | ---------------- |
| EUR             | Europe (all SEPA markets) | Stablecoin wallet | SEPA, SEPA Instant     | Virtual Account (IBAN) | Real-time + 24/7 |
| GBP             | United Kingdom            | Stablecoin wallet | Faster Payments, CHAPS | Virtual Account (IBAN) | Real-time + 24/7 |
| AED             | UAE                       | Stablecoin wallet | Bank Transfer          | Virtual Account (IBAN) | T+0              |

> **Beta** markets are in early stages. There may be a waitlist to get onboarded and smaller volume limits to start. Contact us for access.

## Off-Ramp: Crypto to Fiat

Convert stablecoins to fiat currency and deliver funds to recipients via local payment rails.

### How It Works

1. **Create an individual** with their fiat destination and a `crypto_wallet` (used to return funds if a transfer can't be completed)
2. **Create a quote** to lock an exchange rate, passing `source_currency: "usdc"`, the `source_network`, and `source_type: "deposit"`
3. **Create a transfer** from the quote — the response contains a blockchain deposit address and a funding deadline
4. **Send the stablecoins** to that address before the deadline; Latitude then delivers fiat to the recipient
5. **Track the transfer** via webhooks or polling

Off-ramps are funded per transfer from the deposit address returned on the transfer, not from a prefunded stablecoin balance.

### Supported Off-Ramp Corridors

#### Live Markets

| Source            | Destination Currency | Destination Country       | Payout Method           | Settlement                                          |
| ----------------- | -------------------- | ------------------------- | ----------------------- | --------------------------------------------------- |
| Stablecoin wallet | ARS                  | Argentina                 | Bank Transfer (CBU/CVU) | Real-time + 24/7                                    |
| Stablecoin wallet | BRL                  | Brazil                    | PIX                     | Real-time + 24/7                                    |
| Stablecoin wallet | COP                  | Colombia                  | Bre-B, Bank Transfer    | Real-time + 24/7 (Bre-B), \< 40 min (bank transfer) |
| Stablecoin wallet | MXN                  | Mexico                    | SPEI                    | Real-time + 24/7                                    |
| Stablecoin wallet | EUR                  | Europe (all SEPA markets) | SEPA, SEPA Instant      | Real-time + 24/7                                    |
| Stablecoin wallet | GBP                  | United Kingdom            | Faster Payments, CHAPS  | Real-time + 24/7                                    |
| Stablecoin wallet | PHP                  | Philippines               | InstaPay, PESONet       | Real-time + 24/7                                    |

#### Beta Markets

| Source            | Destination Currency | Destination Country | Payout Method                | Settlement                                      |
| ----------------- | -------------------- | ------------------- | ---------------------------- | ----------------------------------------------- |
| Stablecoin wallet | AED                  | UAE                 | Bank Transfer                | T+0                                             |
| Stablecoin wallet | KES                  | Kenya               | Bank Transfers, Mobile Money | Real-time + 24/7 (mobile money)                 |
| Stablecoin wallet | INR                  | India               | UPI, Bank Transfer           | Real-time + 24/7                                |
| Stablecoin wallet | THB                  | Thailand            | Bank Transfer, Wallets       | Real-time + 24/7                                |
| Stablecoin wallet | VND                  | Vietnam             | Bank Transfer, Wallets       | Real-time + 24/7 (wallets), T+0 (bank transfer) |

> **Beta** markets are in early stages. There may be a waitlist to get onboarded and smaller volume limits to start. Contact us for access.

## Key Features

### Built-In KYC/Compliance

On-ramp flows include identity verification for your end users. Latitude handles KYC checks so you don't have to build your own compliance infrastructure. Individual status updates are delivered via webhooks.

### Virtual Bank Accounts

On-ramp conversion accounts come with virtual bank account numbers (e.g. CLABEs in Mexico) that your users can deposit to directly from their bank. Each conversion account is unique to an individual.

### Webhook-Driven Architecture

Every stage of the on-ramp and off-ramp lifecycle emits webhook events, including deposit received, conversion started, payout initiated, and completion. Conversion-account on-ramps emit `conversion.*` events; transfer-based on-ramps and all off-ramps emit `transfer.*` events. This lets you build real-time user experiences. See [API basics](/api-basics) for webhook setup.

### Sandbox Testing

The sandbox environment includes magic strings for testing different KYC outcomes and conversion flows without moving real money.