On-Ramp

Initiate a fiat → stablecoin conversion via LINK’s B2B APIk. You provide the core transaction details plus your own banking details (the account you are paying from). Once a transaction (onramp) has been initiated, settlement account details are delivered to you through a banking_details_received webhook.

Endpoint

POST /otc/onramp

Request Body

Field	Type	Required	Description
`customer_id`	string	✓	Your platform’s customer ID for this transaction.
`currency`	string	✓	Fiat currency being sent (e.g., `NGN`, `USD`, `GBP`). See Supported Currencies.
`amount`	string	✓	Fiat amount being sent.
`stables`	string	✓	Stablecoin to receive: `USDC` or `USDT`.
`wallet_address`	string	✓	Destination wallet address for the stablecoin.
`network`	string	✓	Blockchain network. USDT: `TRON`, `POLYGON`, `SOLANA`. USDC: `ETHEREUM`, `BSC`, `POLYGON`, `BASE`, `SOLANA`, `STELLAR`.
`paymentDetails`	object	✓	Your banking details — the account you are paying from. Required fields depend on your currency’s payment method (see table below).

Stablecoin & Network Compatibility

Stablecoin	Supported Networks
USDT	TRON, POLYGON, SOLANA
USDC	ETHEREUM, BSC, POLYGON, BASE, SOLANA, STELLAR

Payment Method & `paymentDetails` Fields

Call GET /otc/rate_quote?currency={currency}&amount={amount}&trx_type=onramp first. The response includes a paymentMethod field that tells you which method applies to your currency.

Payment Method	Currencies	Required fields in `paymentDetails`
ACH	USD	`accountNumber`, `routingNumber`, `accountName`
Local Bank Transfer	NGN, BIF, CDF, DZD, ETB, GBP, GHS, LYD, MUR, MWK, MZN, SGD, SLE, SSP, TZS, UGX	`accountNumber`, `accountName`, `bankName`
IBAN	AED, AOA, EGP, EUR, TRY	`iban`, `accountName`, `bankName`
RIB	MAD, XAF, XOF	`rib`, `accountName`, `bankName`

GBP also accepts IBAN format — use Local Bank Transfer (accountNumber) or IBAN (iban) depending on your bank.

JSON Request Examples

{
  "customer_id": "cut93498342",
  "currency": "NGN",
  "amount": "50000000",
  "stables": "USDC",
  "wallet_address": "0xYourEthWallet",
  "network": "ETHEREUM",
  "paymentDetails": {
    "accountNumber": "0123456789",
    "accountName": "Acme Corp",
    "bankName": "Access Bank"
  }
}

{
  "customer_id": "cut93498342",
  "currency": "USD",
  "amount": "25000",
  "stables": "USDT",
  "wallet_address": "TYourTronWallet",
  "network": "TRON",
  "paymentDetails": {
    "accountNumber": "875104368977",
    "routingNumber": "026073150",
    "accountName": "Acme Corp"
  }
}

{
  "customer_id": "cut93498342",
  "currency": "EUR",
  "amount": "20000",
  "stables": "USDC",
  "wallet_address": "0xYourBscWallet",
  "network": "BSC",
  "paymentDetails": {
    "iban": "DE89370400440532013000",
    "accountName": "Acme Corp",
    "bankName": "Deutsche Bank"
  }
}

{
  "customer_id": "cut93498342",
  "currency": "XOF",
  "amount": "16000000",
  "stables": "USDC",
  "wallet_address": "0xYourEthWallet",
  "network": "ETHEREUM",
  "paymentDetails": {
    "rib": "CI1234567890123456789012",
    "accountName": "Acme Corp",
    "bankName": "Ecobank"
  }
}

Response (201)

{
  "code": "TXN_SUCCESSFUL",
  "status": "Success",
  "message": "Transaction request submitted. Banking details will be shared shortly.",
  "data": {
    "transaction_id": "6839f2a1c4e3b1000d5a9012",
    "reference": "link-otc-12345678",
    "type": "onramp",
    "currency": "NGN",
    "amount": "50000000 NGN",
    "stables": "USDC",
    "payout_amount": "25000 USDC",
    "rate": 2000,
    "transaction_status": "pending",
    "payment_method": "LOCAL_BANK_TRANSFER",
    "date_created": "28/05/2026: 14:30"
  }
}

What Happens Next

Banking details received — LINK shares the settlement account details with you. LINK fires a banking_details_received webhook to your registered URL:

{
  "event": "banking_details_received",
  "reference": "link-otc-12345678",
  "data": {
    "transaction_ref": "link-otc-12345678",
    "currency": "NGN",
    "amount": 50000000,
    "transaction_type": "onramp",
    "transaction_status": "processing",
    "banking_details": {
      "accountNumber": "0987654321",
      "accountName": "Partner Ltd",
      "bankName": "GTBank"
    }
  }
}

Send funds — Transfer fiat to the account provided in the webhook sent.
Completion — Once we confirm receipt, LINK fires a transaction_status_updated webhook with transaction_status: "completed".

Proof of Payment

After sending funds, upload your proof of payment via:

POST /otc/pop
Content-Type: multipart/form-data

Fields: reference (your link-otc-xxx ref) + file (JPEG, PNG, GIF, or PDF — max 3 MB).

B2B Coverage B2B Offramp

Getting Started

Core Concepts

Retail API

Business API

Customers

Transactions

Infrastructure

Compliance & Fees

Support

Endpoint

Request Body

Stablecoin & Network Compatibility

Payment Method & `paymentDetails` Fields

JSON Request Examples

Response (201)

What Happens Next

Proof of Payment

​Endpoint

​Request Body

​Stablecoin & Network Compatibility

​Payment Method & paymentDetails Fields

​JSON Request Examples

​Response (201)

​What Happens Next

​Proof of Payment

Endpoint

Request Body

Stablecoin & Network Compatibility

Payment Method & `paymentDetails` Fields

JSON Request Examples

Response (201)

What Happens Next

Proof of Payment