# Ramps by Ripio

> Ready-to-use fiat ↔ crypto conversion layer for third-party platforms. Designed for fast distribution: partners can embed or link Rampas in minutes, with no formal B2B onboarding required. End users operate directly with Ripio, the regulated entity that manages KYC, AML, compliance, and settlement.

## Who It's For

> Built for platforms that want to add fiat ↔ crypto capabilities without building their own regulatory or banking infrastructure.

- Wallets
- Exchanges
- DeFi protocols
- Fintech apps
- Marketplaces
- Consumer apps integrating crypto features
- Developers building crypto-enabled products

## Product

> B2B2C distribution model: partners integrate the ramp, but users onboard and transact directly with Ripio. Ripio acts as the regulated counterparty.

- On-Ramp: convert local currency into crypto
- Off-Ramp: sell crypto and receive local currency in a bank account
- Crypto transfer with local settlement: sender sends crypto, recipient receives fiat


### Coverage

- Argentina: On-Ramp & Off-Ramp (ARS ↔ wARS 1:1 parity via Mercado Pago, Bank Transfer)
- Colombia: On-Ramp & Off-Ramp (COP ↔ WLD 1:1 parity via local bank transfers)


### Standalone Access

Rampas is also accessible directly by end users without a partner integration:

- Public On-Ramp (Argentina & Colombia): https://ramp.ripio.com/
- Public Off-Ramp (Argentina & Colombia): https://ramp.ripio.com/off-ramp


## Regulatory & Compliance Model

> End users are onboarded by Ripio. All KYC, AML, compliance checks, and fiat settlement are handled by Ripio as the regulated entity. Partners do not assume custody of fiat funds or compliance responsibility for ramp transactions.

- User relationship: User ↔ Ripio
- Compliance: Fully managed by Ripio
- Fiat processing: Operated by Ripio
- Partners focus only on distribution and UX integration

## Integration Options

> Two paths for partners. No B2B onboarding process required to get started.

- Widget: pre-built embeddable UI, minimal dev effort, customizable via CSS, auth via JWT token + redirect
- API: full RESTful integration, OAuth2 Client Credentials (M2M), granular control over quotes, KYC, fiat accounts, transactions
- Docs: https://docs.ripio.com/ramps-api/overview/introduction

## Key Value Proposition

> The fastest way to add fiat ↔ crypto ramps to your product.

- No complex integration or B2B approval flow
- Link or embed in minutes
- KYC and compliance fully handled by Ripio
- Local payment rails supported
- Fast, reliable fiat ↔ crypto conversion

## Tokenized Local Currency (wARS)

> wARS is an Argentine Peso token (1:1 ARS parity) supported by Rampas for on-chain local currency flows.

- Programmable transfers
- On-chain swaps with other digital assets
- DeFi-compatible protocol integration
- Seamless movement between fiat and tokenized balances
- Fiat stability + on-chain interoperability

## Available Networks

- Base (Chain ID 8453)
- Ethereum (Chain ID 1)
- World Chain (Chain ID 480)

## Available Tokens

- wARS
- ETH
- USDC
- WLD