Buy
Overview
The Buy flow enables users to convert local fiat into supported stablecoins on Epay. This serves as the entry point into the ecosystem, allowing individuals and businesses to move from traditional payment rails into digital assets with speed, compliance, and reliability.
Fiat On-Ramps
Epay integrates with multiple fiat funding methods to ensure accessibility across regions:
Bank Transfers: Direct deposits from local or international bank accounts.
Cards: Debit and credit card payments for instant stablecoin purchases.
Mobile Money: Integration with regional providers to serve underbanked populations.
Cash-In Anchors (future expansion): Physical agents or kiosks enabling local cash funding.
Conversion into Stablecoins
Supported Assets at Launch: USDC, USDT, PYUSD.
Conversion Flow:
User funds account via preferred fiat method.
Fiat is converted into stablecoins via liquidity partners or Epay’s FX Engine.
Stablecoins are credited instantly to the user’s Epay wallet.
Future Expansion: Support for regional stablecoins (e.g., NGN-pegged, EUR-pegged) to improve local adoption.
Compliance & Regulatory Controls
KYC/AML Enforcement:
Identity verification is mandatory at the funding stage.
Screening against global sanctions and watchlists.
Transaction Monitoring: Continuous analysis for fraud, suspicious patterns, and regulatory reporting.
Licensing & Partnerships: Local compliance through licensed anchors, custodians, and financial institutions.
Technical Infrastructure
APIs for Payment Processors: Seamless integrations with local banks, card processors, and mobile money operators.
Settlement Layer Integration: Funds are bridged directly into stablecoins via Epay’s multi-chain infrastructure.
Developer-Friendly Interfaces: Open APIs allow B2B partners to embed on-ramp functionality into their platforms.
Resiliency Features: Retry logic, multi-processor routing, and failover partners to guarantee high uptime.
Key Benefits
Accessibility: Users across diverse markets can fund accounts with familiar methods.
Instant Conversion: Fast settlement into stablecoins eliminates delays.
Regulatory Alignment: Compliance at the funding point ensures global trust.
Integration Ready: APIs make it easy for fintechs, merchants, and platforms to embed Epay on-ramps.
Technical Flow
Fiat Funding
Supported rails: bank transfer (ACH, SEPA, SWIFT), card payments (Visa, Mastercard), and mobile money APIs (M-Pesa, MTN).
Funding requests pass through Epay’s On-Ramp Gateway with integrated KYC/AML verification.
Stablecoin Mint/Acquire
Fiat deposits are matched with equivalent stablecoin liquidity via:
Custodial Partners (Circle for USDC, Paxos for PYUSD).
On-Chain DEX Liquidity (Curve, Uniswap pools).
Conversion rate determined by Epay’s Conversion & FX Engine.
Wallet Credit
User’s Epay wallet is credited with stablecoins (USDC, USDT, PYUSD).
Transaction metadata (funding source, AML flags, compliance reference) is logged.
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