On-Ramp Transactions

An on-ramp transaction (type: ONRAMP) converts fiat into tokens. You create the transaction, get Skyline's bank details, send a bank transfer, and confirm that you sent it. Skyline matches your funds and delivers the tokens to your organisation wallet.

Read Transactions first for statuses, preconditions and errors.

Prerequisites

• On-ramp enabled for your organisation. It is off by default. Contact Skyline to enable it. Check it with GET /users/me: selectedOrganisation.features includes ONRAMPS. Without it, create returns 403 Onramps are not allowed in this method.
• A destination wallet. Tokens go to one of your organisation's own wallets, which must have passed screening and ownership verification. See Wallets.
• An API user with the authorized role, 2FA off, in an ACTIVE organisation.

Step 1: Look Up the Ids

GET /transactions/min-onramp-amount returns:

{ "minAmount": 1000, "currency": "USD" }

Step 2: Validate on Your Side

The server does not check all of these. Check them before you create:

• amount is a positive decimal string, in the currency you chose.
• amount converted to USD is at least minAmount. Below it, create returns 400 Minimum amount is $….
• expectedTransferDate is today or later. The server accepts past dates.
• The destination wallet is on the network you chose.

Step 3: Create the Transaction

POST /transactions

{
  "type": "ONRAMP",
  "network": "6650a1f2c3d4e5f6a7b8c9d0",
  "amountCurrency": "6650d4a5b6c7d8e9f0a1b2c3",
  "payments": [
    {
      "type": "ONRAMP",
      "receiver": { "id": "6650e5b6c7d8e9f0a1b2c3d4" },
      "wallet": "6650f6c7d8e9f0a1b2c3d4e5",
      "walletAddress": "0x4b1c2d3e4f5a6b7c8d9e0f1a2b3c4d5e6f7a8b9c",
      "tokenIsoCode": "USDC",
      "amount": "25000",
      "reason": "onramp",
      "expectedTransferDate": "2026-10-02"
    }
  ]
}

Transaction fields:

An on-ramp has no top-level token or walletAddress. The token and the destination are set on the payment.

Payment fields:

The response is the transaction in DRAFT. payments[].estimatedRate is an indicative rate at creation, not a locked quote. On-ramp has no validate or allowance step.

Step 4: Submit

POST /transactions/:id/submit with no body.

The transaction moves to WAITING_ACCEPTANCE. There is no quote window: an on-ramp does not expire.

Step 5: Get the Bank Details

GET /transactions/:id/bank-details returns an array of accounts you can pay into. Field names are in snake_case.

[
  {
    "bank_display": "EUR account",
    "bank_name": "Skyline Digital Ltd",
    "account_number_iban": "GB00XXXX00000000000000",
    "swift": "XXXXGB2L",
    "sort_code": "000000",
    "address": "1 Example Street, London",
    "reference": "6651a7d8e9f0a1b2c3d4e5f6"
  }
]

The reference:

• If your organisation has a dedicated account, reference is empty. Transfers into that account are already yours; no reference is needed.
• Otherwise reference is the transaction _id. You must put it in the transfer's reference field. Without it, Skyline cannot match your funds to the transaction.

Step 6: Send the Bank Transfer

From your bank, transfer:

• the exact amount,
• in the currency you chose,
• to one of the accounts above,
• with the reference, when it is not empty.

Step 7: Confirm You Sent the Funds

POST /transactions/:id/accept with no body. This means "I have sent the funds".

Accept requires WAITING_ACCEPTANCE. It returns 403 if the destination wallet has not passed screening and ownership verification.

On success the transaction moves to PROCESSING. For an on-ramp, PROCESSING means you declared the transfer sent. It does not mean Skyline has received the funds.

Step 8: Track Delivery

Skyline matches your transfer and delivers the tokens to your wallet. Poll GET /transactions/:id every 30 to 60 seconds. Bank transfers can take hours or days, so expect a long PROCESSING phase.

Endpoint Reference