> ## Documentation Index
> Fetch the complete documentation index at: https://docs.stableyard.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# On-ramps

> Accept fiat from a payer and deliver it as stablecoin, at checkout or through a virtual account.

An on-ramp takes local currency from a payer and delivers stablecoin to the destination an account has chosen. Two routes exist, and they solve different problems.

| Route | Use when |
| - | - |
| **Fiat at checkout** | A payer is completing one specific payment and has no crypto |
| **[On-ramp accounts](/concepts/on-ramp-accounts)** | A customer funds repeatedly and wants bank details of their own |

Fiat at checkout is enabled per app, through one provider, in that provider's markets. [View supported regions and currencies →](/supported-regions-and-currencies)

## Offer fiat at checkout on a receive payment

```mermaid theme={null}
flowchart LR
  A["Payer sends fiat"] --> B["Payment confirmed"]
  B --> C["Converted to stablecoin"]
  C --> D["Destination funded"]
```

Fiat at checkout is a payment method on a receive `Payment`. The payer selects it, completes the provider's flow, and the stablecoin lands in the same escrow as any other method. The payment, the webhooks and the settlement do not change.

```bash theme={null}
curl -X POST https://staging-api-v2.stableyard.fi/v2/payments \
  -u "$APP_ID:$APP_SECRET" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "intent": "receive",
    "recipient": { "accountId": "acct_123" },
    "amountMode": "collect_exact",
    "paymentAmount": {
      "amount": "100.00",
      "assetType": "crypto",
      "assetCode": "USDC",
      "chainId": 42161
    }
  }'
```

The available methods depend on your entitlement and the payer's market, so read them from the payment rather than assuming a fiat method exists. A fiat option carries its own quote deadline, and the effective window is whichever lapses first, the quote or the payment. See [Conversion](/payments/conversion#read-the-quote-where-it-appears).

<Card title="Next: Off-ramps" icon="arrow-up-from-line" href="/payments/off-ramps">
  Pay out local currency to a bank or a local merchant.
</Card>


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