On-Ramp / Off-Ramp with Credit Card

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.

Key Principle

OROKAI never touches fiat money. Partners handle all fiat transactions, banking, and regulatory compliance. We connect you to them, but we are not a payment service provider, money transmitter, or bank.

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

NOTE

Provider fees are set by Stripe/Onramper partners, not OROKAI. We display them clearly but have no control over these rates.

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

disclaimer

Network fees are NOT controlled by OROKAI or providers — they are determined by blockchain network conditions at the time of transaction.

TIP

Choose lower-cost networks (Polygon, Solana) for smaller transactions to minimize network fees as a percentage of your purchase/sale.

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%)

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%)

Cost visibility

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

Regulated partner integration

All card and fiat operations are handled by licensed, compliant third-party providers – OROKAI acts solely as the interface layer.

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.

CRITICAL SECURITY

• Card details entered directly into Stripe's widget
• OROKAI never receives PAN, CVV, or billing info
• PCI DSS compliance handled by Stripe

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.  

When bank transfer completes:

Withdrawal Complete!

Received in bank: 
Original amount: 
Total fees: 

[View Receipt] [New Transaction]

Regional Availability & Failover

Geographic Coverage & Provider Routing

Region	Primary Provider	Fallback Provider	Coverage Notes
🇺🇸 United States	Stripe	Onramper	All states*
🇪🇺 European Union	Stripe	Onramper	Most countries
🇬🇧 United Kingdom	Stripe	Onramper	Full support
🇨🇦 Canada	Stripe	Onramper	Full support
🇦🇺 Australia	Stripe	Onramper	Full support
🇯🇵 Japan	Onramper	N/A	Via partners
🇰🇷 South Korea	Onramper	N/A	Via partners
🇸🇦 Saudi Arabia	Onramper	N/A	Via partners**
🇸🇬 Singapore	Stripe	Onramper	Full support
Other (180+ countries)	Onramper	N/A	Partner-based

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

coverage

OROKAI's on/off-ramp availability depends on our partner providers' geographic coverage. For the most current regional availability, please check directly with our providers:

• Stripe Crypto On-Ramp: https://docs.stripe.com/crypto/onramp#supported-countries
• Onramper: https://onramper.com/supported-countries

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

limits

Limits are set by providers, not OROKAI. Higher limits available with enhanced KYC verification.

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)

disclaimer

KYC is handled by: Stripe or Onramper partners (NOT OROKAI)

OROKAI receives: Only approval/rejection status

OROKAI never stores: ID documents, SSN, sensitive personal data

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)

VPN

Using VPN to bypass geographic restrictions is PROHIBITED and can result in account suspension + funds freeze.

Key Principles: On/Off-Ramp in OROKAI

Principle	What It Means
OROKAI Never Touches Fiat	All fiat transactions handled by licensed partners (Stripe/Onramper).
Transparent Fees	All costs shown before transaction. Provider fees + OROKAI 1% fee.
Self-Custody Maintained	Crypto delivered directly to YOUR wallet. We never hold your crypto.
KYC by Partners	Identity verification handled by Stripe/Onramper, not OROKAI.
Automatic Failover	Seamless experience whether using Stripe or Onramper.
PCI DSS Compliant	Card details never touch OROKAI servers (entered in provider widget).
Regional Compliance	Only available where legally permitted. No VPN bypass allowed.

Support & Troubleshooting

Who Handles What:

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

Issue Type	Contact	Resolution Time
Payment declined/failed	Provider support	Real-time to 24h
Card not accepted	Provider support	Immediate
KYC issues/verification	Provider support	1-3 days
Funds not received in wallet	OROKAI support	1-24 hours
Transaction tracking	OROKAI support	Real-time
Refund requests	Provider support	5-10 days
Incorrect amount received	Provider + OROKAI	24-48 hours
General questions	OROKAI support	6-24 hours

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.io
• Stripe Support: Via your transaction receipt or https://support.stripe.com
• Onramper Support: Via partner provider's support channel (displayed during transaction)