Offramp from Account

Crypto is debited from your Noxpay balance and the equivalent BRL is sent to a payee via PIX.

This flow requires the Infrastructure product to be enabled on your account. Initiating offramps programmatically also requires a secure API connection — your server’s IP address must be whitelisted on your Noxpay account.

When to use this

Use Offramp when you want to pay someone in BRL using your Noxpay crypto balance — disbursements, payouts, supplier payments, or any flow where you hold crypto and need to deliver BRL to a payee.

Your platform initiates the transaction. The required crypto is drawn from your Borderless Account balance, converted, and sent via PIX. The payee does not interact with crypto at any point.

Before you can process offramps

• Your Borderless Account must hold enough stablecoin (USDC or USDT) to cover the transaction
• Your server IP must be whitelisted in your Noxpay account settings — requests from unlisted IPs are rejected
• The Infrastructure product must be active on your account

The full flow

Quote → Pre-KYC → Payee KYC → Conversion → PIX Transfer → Success

1. Quote

   A rate is calculated for the crypto → BRL conversion. The quoted crypto amount is immediately reserved from your available balance for the duration of the session — it moves from available to blocked. The rate is locked at this point.

2. Pre-KYC

   The payee’s CPF (individual) or CNPJ (business) is collected. This is the identity that will receive the PIX payment. The document is validated for format before proceeding.

3. Payee KYC

   The payee’s identity is verified against a Brazilian identity database and their PIX key is collected. The PIX key must belong to the verified document holder. Business payees (CNPJ) go through an additional business identity check.

4. Conversion

   The reserved crypto is converted to BRL at the locked quote rate. Your balance is debited at this point.

5. PIX transfer

   Noxpay sends the BRL amount via PIX to the payee’s registered key. PIX transfers in Brazil typically arrive within minutes.

6. Success

   PIX delivery is confirmed. Your balance is permanently reduced by the crypto equivalent. A webhook is sent confirming completion.

Balance behaviour

Moment	What happens to your balance
Quote created	Crypto moved from available → blocked
Conversion executed	Blocked crypto is debited
Transaction fails or expires	Blocked crypto returned to available

Transaction states

State	What it means
Created	Quote generated, crypto reserved from your balance
Pending	Payee KYC in progress
Processing	Conversion or PIX transfer in progress
Success	PIX delivery confirmed, balance permanently debited
Expired	Session timed out — reserved crypto returned to available
Failed	System error — reserved crypto returned to available
Cancelled	Payee identity verification failed — reserved crypto returned to available

Compliance limits

• Daily limit per payee: R$ 50,000 across all ramp variants. Transactions that would breach this are rejected at initiation.
• Monthly KYC tier: Payees who exceed R$ 50,000 cumulative monthly volume require enhanced financial documentation before the next transaction is processed. See How it works for the full tier structure.

Fees

• Noxpay fee — deducted from BRL sent or from crypto equivalent, configurable per Template
• Merchant fee — optional markup, configurable per Template
• No network fee

What happens if your balance is insufficient?

If your Borderless Account does not hold enough stablecoin when the quote is created, Noxpay rejects the transaction before any reserve is placed. Surface an appropriate error to your user rather than letting it fail silently.

Only initiate offramps from your backend on a whitelisted IP. Never expose the credentials or the ability to initiate balance debits to client-side code.

Dashboard

Offramp transactions appear in Noxpay Infra → Offramps. Completed transactions also appear as debit entries in Account → Statement.