Cross-Border Remittance (Stablecoins)
Onboard a sender, fund in USD, convert to a stablecoin for transfer, and deliver to a recipient, either a recipient-controlled wallet or a recipient who is themselves a RAMFi client. For fiat delivery with no recipient wallet, see Cross-Border Remittance (Fiat).
Prerequisites
Complete these once per customer before running the flow below. They are not part of the numbered steps.
PRESubmit the customer for onboardingPOST
/api/FE/NewClient
Your app sends the customer's details; RAMFi runs KYC, opens the account, and returns a client record with Active status when verification passes.
Request Body Parameters — enter values to build the request
| Field | Type | Required | Description | Value |
|---|---|---|---|---|
| firstName | string | REQUIRED | Client's legal first name. | |
| lastName | string | REQUIRED | Client's legal last name. | |
| address | string | REQUIRED | Street address. | |
| city | string | REQUIRED | City. | |
| state | string | REQUIRED | State code. | |
| zip | string | REQUIRED | ZIP code. | |
| taxID | string | REQUIRED | SSN (or EIN for business accounts). | |
| dob | string (date) | REQUIRED | Date of birth (YYYY-MM-DD). | |
| clientID | string | REQUIRED | Your external identifier for this client. | |
| string | REQUIRED | Email address (validated). |
curl --request POST \
--url 'https://FQDN/api/FE/NewClient' \
--header 'Authorization: Bearer <SHORT_TERM_TOKEN>' \
--header 'X-OTP: <X_OTP>' \
--header 'Content-Type: application/json' \
--data '{
"firstName": "string",
"lastName": "string",
"taxID": "string",
"clientID": "sender-id",
"email": "user@example.com"
}'const options = {
method: 'POST',
headers: {
'Authorization': 'Bearer <SHORT_TERM_TOKEN>',
'X-OTP': '<X_OTP>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
"firstName": "string",
"lastName": "string",
"taxID": "string",
"clientID": "sender-id",
"email": "user@example.com"
})
};
fetch('https://FQDN/api/FE/NewClient', options)
.then(r => r.json())
.then(console.log)
.catch(console.error);import requests
url = "https://FQDN/api/FE/NewClient"
headers = {
"Authorization": "Bearer <SHORT_TERM_TOKEN>",
"X-OTP": "<X_OTP>",
"Content-Type": "application/json"
}
payload = {
"firstName": "string",
"lastName": "string",
"taxID": "string",
"clientID": "sender-id",
"email": "user@example.com"
}
resp = requests.post(url, headers=headers, json=payload)
print(resp.json()){
"id": "string",
"clientID": "sender-id",
"accountStatus": "Active",
"email": "user@example.com"
}firstName / lastName
Customer's legal name, used for KYC.
taxID
SSN / tax identifier for identity verification.
clientID
Your unique identifier for this customer, used on every later call.
email
Customer contact email.
accountStatus
Active means the client is verified and can transact.PREWhitelist the recipient walletPOST
/api/FE/AddWalletAddress?address=recipient-wallet&addressIdentifier=Recipient
Register and AML-screen the recipient's address before sending.
Query Parameters — enter values to build the request
| Field | Type | Required | Description | Value |
|---|---|---|---|---|
| address | string | optional | The wallet address. | |
| addressIdentifier | string | optional | A friendly name for the address. |
curl --request POST \
--url 'https://FQDN/api/FE/AddWalletAddress?address=recipient-wallet&addressIdentifier=Recipient' \
--header 'Authorization: Bearer <SHORT_TERM_TOKEN>' \
--header 'X-OTP: <X_OTP>'const options = {
method: 'POST',
headers: {
'Authorization': 'Bearer <SHORT_TERM_TOKEN>',
'X-OTP': '<X_OTP>'
}
};
fetch('https://FQDN/api/FE/AddWalletAddress?address=recipient-wallet&addressIdentifier=Recipient', options)
.then(r => r.json())
.then(console.log)
.catch(console.error);import requests
url = "https://FQDN/api/FE/AddWalletAddress?address=recipient-wallet&addressIdentifier=Recipient"
headers = {
"Authorization": "Bearer <SHORT_TERM_TOKEN>",
"X-OTP": "<X_OTP>"
}
resp = requests.post(url, headers=headers)
print(resp.json()){
"isSuccess": true,
"result": "approved",
"errorMessage": null
}address
Recipient's wallet address (query parameter).
addressIdentifier
A label, e.g. the recipient's name (query parameter).
Value flow
USD in, stablecoin across, delivered to the recipient.
- 1Sender AppFund in USDACH or card (see funding methods)
- RAMFiCredit USD balanceRAMFi clears funds
- 2Sender AppRequest conversionPOST /ConvertClientFunds
- RAMFiExecute conversionRAMFi converts to USDC
- 3Sender AppRequest deliveryPOST /SendFundsToAddress
- RAMFiBroadcast transferRAMFi sends on-chain
- RecipientRecipient receiveswallet, or RAMFi off-ramp to USD
Show full interaction diagram
Remittance sequence to a recipient wallet. When the recipient is a RAMFi client, the send is replaced by an internal transfer (see Delivery patterns).
Your application orchestrates; RAMFi performs. Every call below runs against RAMFi. RAMFi performs KYC, moves the money, AML-screens addresses, and settles. Your app issues the requests; it never performs KYC or holds funds or keys itself.
Funding in USD: bring fiat in by ACH (Bank Connection SDK +
AddClientFunds), see Funding methods.Steps
1Fund the sender in USDPOST
/api/FE/AddClientFunds
Bring the remittance amount in by ACH (open banking, shown) or a card pull (PullFromCard). RAMFi credits the sender's USD balance.
Request Body Parameters — enter values to build the request
| Field | Type | Required | Description | Value |
|---|---|---|---|---|
| clientID | string | REQUIRED | The client to fund. | |
| amount | number | REQUIRED | USD amount to draft via ACH. | |
| transactionDate | string (date) | optional | Date to initiate the ACH draft (YYYY-MM-DD). | |
| externalReference | string | REQUIRED | Your unique reconciliation key. |
curl --request POST \
--url 'https://FQDN/api/FE/AddClientFunds' \
--header 'Authorization: Bearer <SHORT_TERM_TOKEN>' \
--header 'X-OTP: <X_OTP>' \
--header 'Content-Type: application/json' \
--data '{
"clientID": "sender-id",
"amount": 500.00,
"transactionDate": "2026-01-15",
"externalReference": "rem-001"
}'const options = {
method: 'POST',
headers: {
'Authorization': 'Bearer <SHORT_TERM_TOKEN>',
'X-OTP': '<X_OTP>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
"clientID": "sender-id",
"amount": 500.00,
"transactionDate": "2026-01-15",
"externalReference": "rem-001"
})
};
fetch('https://FQDN/api/FE/AddClientFunds', options)
.then(r => r.json())
.then(console.log)
.catch(console.error);import requests
url = "https://FQDN/api/FE/AddClientFunds"
headers = {
"Authorization": "Bearer <SHORT_TERM_TOKEN>",
"X-OTP": "<X_OTP>",
"Content-Type": "application/json"
}
payload = {
"clientID": "sender-id",
"amount": 500.00,
"transactionDate": "2026-01-15",
"externalReference": "rem-001"
}
resp = requests.post(url, headers=headers, json=payload)
print(resp.json())1101amount
USD amount being sent.
externalReference
Your unique reference for this remittance.
2Convert to a stablecoinPOST
/api/FE/ConvertClientFunds
Convert the cleared USD to USDC for transfer.
Request Body Parameters — enter values to build the request
| Field | Type | Required | Description | Value |
|---|---|---|---|---|
| clientID | string (UUID) | REQUIRED | The client whose funds to convert. | |
| amount | number | REQUIRED | Amount to convert. | |
| fromCurrencyID | CurrencyType | REQUIRED | Source currency (see CurrencyType enum). | |
| toCurrencyID | CurrencyType | REQUIRED | Target currency (see CurrencyType enum). | |
| externalReference | string | REQUIRED | Your unique reconciliation key. |
curl --request POST \
--url 'https://FQDN/api/FE/ConvertClientFunds' \
--header 'Authorization: Bearer <SHORT_TERM_TOKEN>' \
--header 'X-OTP: <X_OTP>' \
--header 'Content-Type: application/json' \
--data '{
"clientID": "sender-id",
"amount": 500.00,
"fromCurrencyID": "USD",
"toCurrencyID": "USDC",
"externalReference": "rem-002"
}'const options = {
method: 'POST',
headers: {
'Authorization': 'Bearer <SHORT_TERM_TOKEN>',
'X-OTP': '<X_OTP>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
"clientID": "sender-id",
"amount": 500.00,
"fromCurrencyID": "USD",
"toCurrencyID": "USDC",
"externalReference": "rem-002"
})
};
fetch('https://FQDN/api/FE/ConvertClientFunds', options)
.then(r => r.json())
.then(console.log)
.catch(console.error);import requests
url = "https://FQDN/api/FE/ConvertClientFunds"
headers = {
"Authorization": "Bearer <SHORT_TERM_TOKEN>",
"X-OTP": "<X_OTP>",
"Content-Type": "application/json"
}
payload = {
"clientID": "sender-id",
"amount": 500.00,
"fromCurrencyID": "USD",
"toCurrencyID": "USDC",
"externalReference": "rem-002"
}
resp = requests.post(url, headers=headers, json=payload)
print(resp.json())1102fromCurrencyID
USD.toCurrencyID
Transfer stablecoin:
USDC.(response)
Numeric conversion transaction ID.
3Deliver to the recipientPOST
/api/FE/SendFundsToAddress?clientId=sender-id&address=recipient-wallet&amount=500.00¤cy=USDC&externalReference=rem-003
Send the stablecoin to the recipient's wallet on-chain.
Query Parameters — enter values to build the request
| Field | Type | Required | Description | Value |
|---|---|---|---|---|
| address | string | REQUIRED | Destination wallet address. Must already be whitelisted via Add Wallet Address. | |
| clientId | string | optional | The client ID. Obtain via Create Client. | |
| amount | number (double) | REQUIRED | Amount to send. Must be greater than 0.00000001 (the smallest tradeable BTC unit). | |
| currency | CurrencyType | REQUIRED | Digital-asset currency. Cannot be USD (1) or PUSD (2), and cannot be the unset default (0). See CurrencyType. | |
| externalReference | string | REQUIRED | Your transaction reference. Maximum 50 characters. |
curl --request POST \
--url 'https://FQDN/api/FE/SendFundsToAddress?clientId=sender-id&address=recipient-wallet&amount=500.00¤cy=USDC&externalReference=rem-003' \
--header 'Authorization: Bearer <SHORT_TERM_TOKEN>' \
--header 'X-OTP: <X_OTP>'const options = {
method: 'POST',
headers: {
'Authorization': 'Bearer <SHORT_TERM_TOKEN>',
'X-OTP': '<X_OTP>'
}
};
fetch('https://FQDN/api/FE/SendFundsToAddress?clientId=sender-id&address=recipient-wallet&amount=500.00¤cy=USDC&externalReference=rem-003', options)
.then(r => r.json())
.then(console.log)
.catch(console.error);import requests
url = "https://FQDN/api/FE/SendFundsToAddress?clientId=sender-id&address=recipient-wallet&amount=500.00¤cy=USDC&externalReference=rem-003"
headers = {
"Authorization": "Bearer <SHORT_TERM_TOKEN>",
"X-OTP": "<X_OTP>"
}
resp = requests.post(url, headers=headers)
print(resp.json()){
"isSuccess": true,
"result": "0xhash...",
"errorMessage": null
}address
Recipient wallet, must be whitelisted first.
currency
USDC.amount
Amount to deliver.
Delivery patterns
Two ways to land the funds with the recipient.
A · Recipient holds a wallet. Whitelist the address and use
SendFundsToAddress (steps 4–5). The recipient custodies the asset.B · Recipient is a RAMFi client. Onboard the recipient with
NewClient, deliver into their RAMFi balance, and let them off-ramp with ConvertClientFunds → WithdrawClientFunds (see the off-ramp recipe).Local-currency payout & FX. RAMFi's documented rails settle in USD fiat and digital assets. Non-USD local-currency payout and its FX are not part of the documented API, handled on the receiving side (a local off-ramp or partner). Do not assume in-API non-USD fiat payout.
RAMFi Developer Documentation · Version 1.1