On-Ramp / Off-Ramp

Partner-Operated Services

Seamless Entry and Exit

OROKAI makes it easy to move between traditional currency (fiat) and crypto without requiring a centralized exchange account. We partner with licensed payment providers who handle all fiat transactions, KYC/AML compliance, and card processing — OROKAI is only the software interface.

Our On/Off-Ramp Partners

On/Off-Ramp provider hierarchy (Automatic Failover for Global Coverage)

Primary provider: Stripe

Provider:

Stripe, Inc. (stripe.com)

Licensed (US states):

Registered money transmitter

PCI DSS Level 1 certified

Regulated payment processor (global)

Coverage:

Primary availability in:

• United States

• European Union (most countries)

• United Kingdom

• Canada

• Australia

• Other select regions (check Stripe availability)

What Stripe Handles:

• Fiat payment processing (card/bank)

• KYC/AML verification (identity checks)

• Transaction monitoring (fraud prevention)

• Regulatory reporting (as required by law)

• Customer support for payment issues

• Crypto custody during on-ramp (brief period)

What OROKAI Handles:

• UI/UX integration (embed Stripe widget)

• User preference storage (payment methods, limits)

• Destination wallet management (YOUR self-custody wallet)

• Transaction status tracking (notifications)

Assets Supported (via Stripe):

• Major cryptocurrencies: BTC, ETH, USDC, USDT

• Network selection: Ethereum, Polygon, Solana, others

• (Availability varies by region - Stripe determines)

Fallback provider: Onramper

Provider:

Onramper (onramper.com)

Licensed:

Payment aggregator (connects to multiple providers)

Works with licensed partners in each region

Coverage:

Global (180+ countries):

• Activates when Stripe unavailable in user's region

• Broader geographic reach

• Multiple payment methods per region

What Onramper Does:

• Routes to best available licensed provider for user's region

• Aggregates: Mercuryo, MoonPay, Transak, Wyre, others

• Handles regional KYC/AML compliance via partners

• Provides unified API for OROKAI integration

Regional Failover Examples:

User in [Region X where Stripe unavailable]

• Onramper routes to Mercuryo (if available)

• User completes KYC with Mercuryo

• Crypto delivered to user's OROKAI wallet

User in [Region Y with payment method not supported by Stripe]

• Onramper routes to Transak (supports local payment method)

• User completes transaction

• Crypto delivered to user's wallet

Automatic provider selection

OROKAI detects user's region (IP + declared country)

Checks Stripe availability for that region

IF Stripe available:

• Present Stripe widget (preferred - best UX)

• User completes transaction via Stripe

IF Stripe NOT available:

• Fallback to Onramper widget

• Onramper selects best available provider

• User completes transaction via Onramper partner

User sees seamless experience regardless of provider used.

Fee Structure

Component 1: Provider fees

Stripe Fees (indicative, varies by region/payment method):

• Payment processing: ~2-5% (card-dependent)

• Currency conversion: Included in exchange rate

• Network fees: Blockchain gas (passed through)

• Total typical: 2-5% + network fees

Onramper Partner Fees (varies by provider/region):

• Payment processing: ~3-6% (provider-dependent)

• Currency conversion: Included in exchange rate

• Network fees: Blockchain gas (passed through)

• Total typical: 3-6% + network fees

Component 2: OROKAI Service fees

On-Ramp: 1.0% of transaction amount

Off-Ramp: 1.0% of transaction amount

What this covers:

• Software integration and maintenance

• User interface and experience

• Transaction orchestration

• Customer support (OROKAI-side)

• Wallet management and notifications

Applied to: Crypto amount received (on-ramp) or sent (off-ramp)

Component 3: Network fee

Network fees are the cost of recording transactions on the blockchain and are paid to validators/miners, not to OROKAI or payment providers.

How it works:

• On-Ramp: Gas fee to deliver crypto from provider to YOUR wallet

• Off-Ramp: Gas fee to send crypto from YOUR wallet to provider

• Amount varies by: Network (Ethereum vs Polygon), congestion, transaction complexity

• Displayed in real-time before transaction confirmation

Total Cost Example

On-Ramp via Stripe

User wants to buy: $1,000 USD worth of USDC

Cost Breakdown:

1. Payment to Stripe:          $1,000.00

2. Stripe fees (~3%):          -$30.00
(Card processing + FX)

3. Crypto purchased:           $970.00 worth of USDC
 
4. OROKAI fee (1%):            -$9.70
(1% of $970 crypto)

5. Network fee (gas):          -$2.50
(Delivering USDC to your wallet on Polygon)

─────────────────────────────────────────────────────────────────────
YOU RECEIVE:                    ~$957.80 USDC 
─────────────────────────────────────────────────────────────────────

Total fees: $42.20 (4.22% of $1,000)
 ├─ Provider: $30.00 (3.0%)
 ├─ OROKAI: $9.70 (0.97%)
 └─ Network: $2.50 (0.25%)

User wants to buy: $1,000 USD worth of USDC

Cost Breakdown:

1. Payment to Stripe:          $1,000.00

2. Stripe fees (~3%):          -$30.00
(Card processing + FX)

3. Crypto purchased:           $970.00 worth of USDC
 
4. OROKAI fee (1%):            -$9.70
(1% of $970 crypto)

5. Network fee (gas):          -$2.50
(Delivering USDC to your wallet on Polygon)

─────────────────────────────────────────────────────────────────────
YOU RECEIVE:                    ~$957.80 USDC 
─────────────────────────────────────────────────────────────────────

Total fees: $42.20 (4.22% of $1,000)
 ├─ Provider: $30.00 (3.0%)
 ├─ OROKAI: $9.70 (0.97%)
 └─ Network: $2.50 (0.25%)

User wants to buy: $1,000 USD worth of USDC

Cost Breakdown:

1. Payment to Stripe:          $1,000.00

2. Stripe fees (~3%):          -$30.00
(Card processing + FX)

3. Crypto purchased:           $970.00 worth of USDC
 
4. OROKAI fee (1%):            -$9.70
(1% of $970 crypto)

5. Network fee (gas):          -$2.50
(Delivering USDC to your wallet on Polygon)

─────────────────────────────────────────────────────────────────────
YOU RECEIVE:                    ~$957.80 USDC 
─────────────────────────────────────────────────────────────────────

Total fees: $42.20 (4.22% of $1,000)
 ├─ Provider: $30.00 (3.0%)
 ├─ OROKAI: $9.70 (0.97%)
 └─ Network: $2.50 (0.25%)

Off-Ramp via Stripe

User wants to cash out: 1,000 USDC to bank account

Cost Breakdown:

1. Starting amount:               1,000 USDC

2. OROKAI fee (1%):               -10 USDC
(1% of 1,000 USDC)

3. Amount sent to Stripe:         990 USDC

4. Stripe converts to USD:      ~$990.00
(At current exchange rate)

5. Stripe withdrawal fee:          -$15.00
(Bank transfer fee, varies by method/region)

6. Network fee (gas):                -$2.50
(Sending USDC to Stripe address)

─────────────────────────────────────────────────────────────────────
YOU RECEIVE (in bank):          ~$972.50 USD
─────────────────────────────────────────────────────────────────────

Total fees: $27.50 (2.75% of $1,000)
 ├─ OROKAI: $10.00 (1.0%)
 ├─ Provider: $15.00 (1.5%)
 └─ Network: $2.50 (0.25%)

User wants to cash out: 1,000 USDC to bank account

Cost Breakdown:

1. Starting amount:               1,000 USDC

2. OROKAI fee (1%):               -10 USDC
(1% of 1,000 USDC)

3. Amount sent to Stripe:         990 USDC

4. Stripe converts to USD:      ~$990.00
(At current exchange rate)

5. Stripe withdrawal fee:          -$15.00
(Bank transfer fee, varies by method/region)

6. Network fee (gas):                -$2.50
(Sending USDC to Stripe address)

─────────────────────────────────────────────────────────────────────
YOU RECEIVE (in bank):          ~$972.50 USD
─────────────────────────────────────────────────────────────────────

Total fees: $27.50 (2.75% of $1,000)
 ├─ OROKAI: $10.00 (1.0%)
 ├─ Provider: $15.00 (1.5%)
 └─ Network: $2.50 (0.25%)

User wants to cash out: 1,000 USDC to bank account

Cost Breakdown:

1. Starting amount:               1,000 USDC

2. OROKAI fee (1%):               -10 USDC
(1% of 1,000 USDC)

3. Amount sent to Stripe:         990 USDC

4. Stripe converts to USD:      ~$990.00
(At current exchange rate)

5. Stripe withdrawal fee:          -$15.00
(Bank transfer fee, varies by method/region)

6. Network fee (gas):                -$2.50
(Sending USDC to Stripe address)

─────────────────────────────────────────────────────────────────────
YOU RECEIVE (in bank):          ~$972.50 USD
─────────────────────────────────────────────────────────────────────

Total fees: $27.50 (2.75% of $1,000)
 ├─ OROKAI: $10.00 (1.0%)
 ├─ Provider: $15.00 (1.5%)
 └─ Network: $2.50 (0.25%)

Cost visibility

Before the user accepts an operation, they see partner fees and network costs (if applicable).

User Flow

On-Ramp (Buy Crypto with Card)

STEP 1: User Initiates Purchase

User clicks: [Buy Crypto] in OROKAI dashboard

OROKAI asks:

• How much? [Amount in USD/EUR/GBP/etc.]

• What asset? [ETH / USDC / USDT / BTC / etc.]

• Which network? [Ethereum / Polygon / Solana / etc.]

• Payment method? [Card / Bank Transfer / etc.]

STEP 2: Provider Selection (Automatic)

OROKAI detects:

• User region: [Country]

• Stripe available? → YES

• Route to: Stripe widget

(If Stripe not available → Fallback to Onramper widget)

STEP 3: Fee Disclosure

User must explicitly accept fees before proceeding.

STEP 4: Stripe Widget Opens (Embedded)

Stripe on-ramp widget appears within OROKAI interface.

STEP 5: KYC/AML (If Required by Stripe)

For first-time users or large amounts, Stripe may require:

• Identity verification (government ID)

• Proof of address (utility bill, bank statement)

• Selfie verification (liveness check)

• Source of funds (for large transactions)

This happens within Stripe's flow, not OROKAI. OROKAI receives status updates (approved/pending/rejected).

STEP 6: Payment Processing

Stripe processes card payment:

Status updates shown in OROKAI:

• Processing payment...

• Payment successful

• Purchasing crypto...

• Crypto purchased, delivering to your wallet...

User can close window; notifications will update when complete.

STEP 7: Crypto Delivery to Your Wallet

Stripe delivers USDC to the wallet address OROKAI provided (YOUR self-custody wallet address).

OROKAI monitors blockchain for incoming transaction:

• Transaction detected: [TX Hash]

• Status: Pending (waiting for confirmations)

• Status: Confirmed

STEP 8: Ready to Allocate

User can now:

• View balance in dashboard

• Allocate to DeFi strategies (see Section 5.2)

• Keep in wallet for later

• Buy more crypto

Off-Ramp (Sell Crypto to Fiat)

STEP 1: User Initiates Sale

User clicks: [Sell Crypto] or [Withdraw to Bank]

OROKAI asks:

• Which asset? [Shows available: USDC, ETH, etc.]

• How much? [Amount in crypto or $ equivalent]

• Network? [Ethereum / Polygon / etc.]

• Destination? [Bank account / Card]

STEP 2: Unstake/Withdraw (If Necessary)

IF crypto is staked in a protocol:

• OROKAI detects: "Your USDC is in AAVE"

• Suggests: "Withdraw from AAVE first"

• Prepares: Unstake flow → Then off-ramp

• User signs: Withdraw transaction

IF crypto is already liquid in wallet:

• Proceed directly to Step 3

STEP 3: Fee Disclosure

Fees are estimates. Final amounts confirmed after conversion.

STEP 4: Prepare Crypto Transfer

OROKAI prepares transaction to send USDC to Stripe's address.

STEP 5: User Signs Transaction

Transaction appears in YOUR wallet (MetaMask, etc.):

• Review: Amount, address, network

• Sign transaction

• Broadcast to blockchain

OROKAI tracks status:

• Transaction pending...

• Confirmed on-chain

• Stripe processing conversion...

STEP 6: Stripe Converts & Transfers

Stripe receives USDC:

• Converts to USD (at current market rate)

• Deducts withdrawal fee

• Initiates bank transfer (ACH/SEPA/etc.)

Timeline:

• Crypto received by Stripe: Immediate (on-chain confirmation)

• USD conversion: Within 1 hour

• Bank deposit: 1-3 business days (depends on bank)

STEP 7: Completion Notification

OROKAI shows updates:

Crypto Sent to Stripe
[TX Hash link]

Status: Awaiting bank deposit (1-3 days)
Expected arrival: [Date]

You'll receive a notification when funds arrive in your bank.  

Crypto Sent to Stripe
[TX Hash link]

Status: Awaiting bank deposit (1-3 days)
Expected arrival: [Date]

You'll receive a notification when funds arrive in your bank.  

Crypto Sent to Stripe
[TX Hash link]

Status: Awaiting bank deposit (1-3 days)
Expected arrival: [Date]

You'll receive a notification when funds arrive in your bank.  

When bank transfer completes:

Withdrawal Complete!

Received in bank: 
Original amount: 
Total fees: 

[View Receipt] [New Transaction]

Withdrawal Complete!

Received in bank: 
Original amount: 
Total fees: 

[View Receipt] [New Transaction]

Withdrawal Complete!

Received in bank: 
Original amount: 
Total fees: 

[View Receipt] [New Transaction]

Regional Availability & Failover

Geographic Coverage & Provider Routing

Notes:

• * Some US states have crypto restrictions (NY, HI, etc.) — Onramper may route to compliant providers

• ** Availability in Saudi Arabia subject to local regulations and Sharia compliance requirements

• Coverage and provider availability may change based on regulatory developments

• OROKAI automatically routes you to the best available provider for your region

How Failover Works

User in supported Stripe region:

• OROKAI presents Stripe widget

• Seamless Stripe experience

• Fastest processing

User in region without Stripe:

• OROKAI automatically routes to Onramper

• Onramper selects best available partner for that region

• May require different KYC process (partner-dependent)

• User completes transaction via partner

Limits and Compliance

Limits

Stripe (Typical Limits):

• Daily: Up to $10,000 USD (varies by verification level)

• Weekly: Up to $25,000 USD

• Monthly: Up to $100,000 USD

• Per transaction: $50 minimum, $10,000 maximum

Onramper Partners (Varies):

• Depends on selected partner and region

• Typically: $50 - $5,000 per transaction

• May have lower limits for unverified users

KYC/AML Requirements

ALL providers require basic information:

• Full name

• Email address

• Country of residence

• Payment method (card/bank)

Enhanced KYC for larger amounts:

• Government-issued ID (passport, driver's license)

• Proof of address (utility bill, bank statement)

• Selfie verification (liveness check)

• Source of funds (for very large transactions)

Prohibited Jurisdictions

OROKAI on/off-ramp is NOT available in:

• Sanctioned countries (per OFAC/EU sanctions lists)

• Regions where crypto transactions are illegal

• Jurisdictions without licensed provider coverage

• Users on sanctions lists (checked by providers)

Key Principles: On/Off-Ramp in OROKAI

Support & Troubleshooting

Who Handles What:

Understanding who to contact for different issues ensures faster resolution. Here's a clear breakdown of support responsibilities:

OROKAI provides:

• Transaction status tracking (where is my crypto?)

• Wallet troubleshooting (didn't receive, wrong network)

• Interface support (how to use on/off-ramp feature)

• Provider liaison (escalate complex cases)

Providers handle:

• Payment processing issues

• KYC/AML verification

• Refunds and chargebacks

• Regulatory inquiries

Contact Information:

• OROKAI Support: Available in-app via Help Center or support@orokai.com

• Stripe Support: Via your transaction receipt or https://support.stripe.com

• Onramper Support: Via partner provider's support channel (displayed during transaction)