Onramp to Account

Customer pays via PIX and the converted crypto is credited to your Noxpay balance.

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

When to use this

Use Onramp when you want to accept BRL from a customer and receive the equivalent crypto into your Noxpay balance — for example, to credit a user’s internal balance on your platform, fund trading operations, or accumulate stablecoin for later use.

The converted crypto is credited internally. No blockchain transaction occurs.

The full flow

Quote → Pre-KYC → PIX Payment → Identity Verification → Conversion → Success

1. Quote

   A rate is calculated for the requested BRL → crypto conversion. The quote locks in the BRL amount, the crypto amount, the fees, and the exchange rate. The rate is valid for 10 minutes. If the customer does not pay within the window, the quote expires and a new one is generated.

2. Pre-KYC

   The customer enters their CPF (individual) or CNPJ (business). The document is validated for format before proceeding. This step can be skipped if you pre-fill the document when creating the transaction via API.

3. PIX payment

   A PIX QR code is generated for the quoted BRL amount. The customer pays from their banking app.

4. Identity verification + titularity check

   After the PIX is received, the customer’s document is verified against a Brazilian identity database. Noxpay also confirms that the CPF of the PIX sender matches the document provided at Pre-KYC. If they differ, the transaction moves to UNCOMPLIANT and is held for review.

5. Conversion

   Noxpay converts the received BRL to the target cryptocurrency at the locked quote rate.

6. Success

   The converted crypto is credited to your available balance. A webhook is sent with the credited amount and the exchange rate used.

Transaction states

State	What it means
Created	Quote generated, awaiting customer action
Pending	Identity verification in progress
Processing	Conversion in progress
Success	Crypto credited to your available balance
Expired	Customer did not pay within the quote window
Failed	System error
Cancelled	Identity verification failed or document was invalid
UNCOMPLIANT	PIX sender CPF does not match the pre-KYC document — payment held for review

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 — percentage, deducted from crypto received
• Merchant fee — optional markup, configurable per Template
• No network fee — settlement is to your internal balance, not on-chain

Dashboard

Onramp transactions appear in Noxpay Infra → Onramps. Completed transactions also appear as credit entries in Account → Statement.