Offramp from External Address

A payer deposits crypto on-chain to a Noxpay-generated address, and the equivalent BRL is sent to a payee via PIX.

This flow requires the Infrastructure product to be enabled on your account.

When to use this

Use Offramp Instant when a third party deposits crypto to fund the payment. Your Noxpay balance is not involved at any point. Common in peer-to-peer and B2B contexts where the sender holds crypto and the recipient needs BRL.

The payer sends crypto from their own wallet; the payee receives BRL via PIX. These can be the same person (a user cashing out their own wallet) or different people (a payer settling an invoice on behalf of a recipient).

The full flow

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

1. Quote

   A rate is calculated for the crypto → BRL conversion. The quote locks in the expected deposit amount — including a small unique suffix (see below), the BRL amount the payee will receive, the fees, and the rate. 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. Crypto deposit

   A unique blockchain deposit address is generated for this transaction. The payer must send the exact suffixed amount shown to that address. Noxpay monitors the address and proceeds once the correct deposit is confirmed on-chain.

5. Conversion

   The deposited crypto is converted to BRL at the locked quote rate.

6. PIX transfer

   Noxpay sends the BRL amount via PIX to the payee’s registered key.

7. Success

   PIX delivery is confirmed. A webhook is sent including the txHash of the inbound crypto deposit.

The deposit suffix

To prevent transaction misidentification — where two simultaneous deposits of the same amount could be attributed to the wrong session — Noxpay appends a small unique amount to the expected deposit.

For example, if the quoted amount is 100.000000 USDT, the deposit instruction shown to the payer might read 100.000017 USDT. The payer must send that exact amount. Sending the round number (100.000000) will not match the transaction.

Make sure your UI communicates the exact suffixed amount clearly to the payer.

Quote expiry on crypto deposit

If the crypto deposit does not arrive before the session expires, the transaction is set to Expired. A new transaction must be created. If a deposit arrives late (after expiry), Noxpay detects it and credits the received crypto to your Noxpay balance. Contact support if you need to resolve a late-arrival case.

Transaction states

State	What it means
Created	Quote generated, deposit address active, awaiting on-chain transfer
Pending	Payee KYC in progress or on-chain deposit awaiting confirmation
Processing	Conversion or PIX transfer in progress
Success	PIX delivery confirmed
Expired	Crypto did not arrive before the session expired
Failed	System error
Cancelled	Payee identity verification failed

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. See How it works for the full tier structure.

Fees

• Noxpay fee — deducted from the BRL amount sent or from the crypto equivalent, configurable per Template
• Merchant fee — optional markup, configurable per Template
• Network fee — inbound on-chain confirmation cost, included in the quoted amounts

Dashboard

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