On-ramp

Key points

• On-ramp, or crypto entry, is the process of converting fiat currency into digital assets, the starting point for anyone entering the ecosystem.
• In Brazil, the user typically pays via PIX and receives crypto, usually a stablecoin, in a wallet or account on the platform.
• Like the exit, the entry goes through regulated providers that identify the customer and apply compliance controls.

What is an on-ramp?

On-ramp, in Portuguese "entrada de cripto," is the reverse path of off-ramp: it starts from traditional currency and arrives at digital assets. It is through it that reais, dollars, or another fiat currency become usable crypto, whether for payments, for holding value in a stablecoin, or for operating in the market.

How it works

The user pays in local currency, in Brazil generally via PIX, and the provider delivers the corresponding crypto, minus the service fee. The amount received depends on the exchange rate at the time of the operation. The asset can go to the user's own wallet, under their control, or remain in an account on the platform, depending on the service model. The total time depends on the payment method and compliance checks. With PIX, the payment step is nearly instant, and the crypto is released as soon as the provider confirms the credit and completes routine checks. Larger amounts may require additional verification levels before being processed.

Because the entry connects the banking system to the crypto world, the provider complies with identification and anti-money-laundering requirements. Registration, identity validation, and limits by verification level are part of the flow.

Why it matters

Crypto entry is the first practical step for any use of the ecosystem. An expat who needs to keep reserves in digital dollars can convert reais into a stablecoin via on-ramp and, later, use crypto exit to return to local currency when needed. Entry and exit, together, form the corridor that links the local economy to global crypto liquidity.

Risks and limitations

The amount received depends on the price and fees at the time of conversion, which vary between providers. There is counterparty risk when funds are held in custody by the platform. Limits and verification requirements may delay or restrict operations until the user completes the necessary registration. It is also prudent to check the provider's reputation and regulatory standing before moving larger amounts. </content>