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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.

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Endpoint

POST /otc/onramp

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Request Body

FieldTypeRequiredDescription
customer_idstring✓Your platform’s customer ID for this transaction.
currencystring✓Fiat currency being sent (e.g., NGN, USD, GBP). See Supported Currencies.
amountstring✓Fiat amount being sent.
stablesstring✓Stablecoin to receive: USDC or USDT.
wallet_addressstring✓Destination wallet address for the stablecoin.
networkstring✓Blockchain network. USDT: TRON, POLYGON, SOLANA. USDC: ETHEREUM, BSC, POLYGON, BASE, SOLANA, STELLAR.
paymentDetailsobject✓Your banking details — the account you are paying from. Required fields depend on your currency’s payment method (see table below).

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Stablecoin & Network Compatibility

StablecoinSupported Networks
USDTTRON, POLYGON, SOLANA
USDCETHEREUM, BSC, POLYGON, BASE, SOLANA, STELLAR

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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 MethodCurrenciesRequired fields in paymentDetails
ACHUSDaccountNumber, routingNumber, accountName
Local Bank TransferNGN, BIF, CDF, DZD, ETB, GBP, GHS, LYD, MUR, MWK, MZN, SGD, SLE, SSP, TZS, UGXaccountNumber, accountName, bankName
IBANAED, AOA, EGP, EUR, TRYiban, accountName, bankName
RIBMAD, XAF, XOFrib, accountName, bankName
GBP also accepts IBAN format — use Local Bank Transfer (accountNumber) or IBAN (iban) depending on your bank.

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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"
  }
}

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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"
  }
}

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What Happens Next

  1. 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"
    }
  }
}
  1. Send funds — Transfer fiat to the account provided in the webhook sent.
  2. Completion — Once we confirm receipt, LINK fires a transaction_status_updated webhook with transaction_status: "completed".

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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