| name | openfin-onramp |
| author | OpenFinance |
| homepage | https://openfinance.tech |
| license | Proprietary |
| version | 1.0.1 |
| description | Fiat → crypto onramp through OpenFinance. Smart-routed across **Moonpay** (cards / Apple Pay / Google Pay / SEPA / bank — global, non-INR) and **Onramp.money** (UPI / IMPS — INR only). Default to POST /agent/onramp (smart router; `baseCurrency:"inr"` → Onramp.money, anything else → Moonpay). Use POST /agent/onramp/moonpay or /onrampmoney to force a provider. Triggers — "buy USDC with my card", "Apple Pay", "deposit fiat", "fund my wallet", "I have no crypto, how do I start", "buy ETH on Base with USD"; INR triggers — "buy USDC with INR", "deposit ₹1000", "top up with UPI / IMPS", "India onramp". The agent never signs an on-chain tx — user opens the returned URL to complete KYC + payment in the provider's UI; funds land in the user's OpenFinance-managed wallet for the chosen chain. Onramp.money has a **fixed (coin × network) matrix** (usdt:bep20|matic20|erc20|trc20, usdc:bep20|matic20 ONLY, busd:bep20, matic:matic20, bnb:bep20, eth:erc20|matic20, sol:spl); calls outside it throw — propose a supported pair instead. Pair with openfin-relay (bridge after onramp) and openfin-setup (API key). |
Fiat Onramp (Moonpay + Onramp.money)
Publisher. Part of the OpenFinance skill bundle (openfin-setup, openfin-troubleshooting, openfin-hyperliquid, openfin-relay, openfin-onramp, openfin-polymarket, openfin-onchain) — all maintained by OpenFinance (https://openfinance.tech). Install as a set, not individually.
Two providers, one smart-router endpoint:
| Provider | Rails | Best for | baseCurrency |
|---|
| Moonpay | Cards, Apple Pay, Google Pay, SEPA, bank | Global / non-INR | usd, eur, gbp, … |
| Onramp.money | UPI, IMPS, bank | India / INR | inr (only) |
The agent never signs on-chain — the user opens the returned URL to
finish KYC + payment.
Prerequisite
openfin-setup complete.- The destination chain's wallet is provisioned for the user (EVM
default; Solana must be enabled if
chain=solana /
currencyCode=*_sol).
Endpoints
POST /agent/onramp — smart router (default)
baseCurrency: "inr" → Onramp.money. Anything else (or omitted →
defaults usd) → Moonpay. Body is the union of fields; the router
forwards only the relevant ones.
| Field | Notes |
|---|
baseCurrency | Routing key, lowercased. Default "usd". |
chain | ethereum / polygon / base / arbitrum / optimism / bsc / tron / solana. (Onramp.money supports a subset — see matrix.) |
currency | Crypto symbol (usdc, usdt, eth, sol, btc, …). |
amount | Fiat amount the user will spend. |
walletAddress | Optional; defaults to caller's wallet for the chain. |
redirectURL | Provider redirects here on success. |
Response: { provider: "moonpay" | "onrampmoney", url: "https://…" }.
Common Moonpay currencyCode derivations (when the smart router picks
Moonpay from chain + currency): eth/usdc on Ethereum →
eth/usdc; usdc on Polygon/Base/Arbitrum/Optimism → usdc_polygon
/ usdc_base / usdc_arbitrum / usdc_optimism; Solana sol →
sol, Solana usdc → usdc_sol. If unsure, the smart router accepts
currencyCode directly and forwards it.
The Moonpay-only / Onramp.money-only REST routes
(POST /agent/onramp/moonpay, POST /agent/onramp/onrampmoney) still
exist for dashboards and direct API consumers, but they are not
exposed as MCP actions — agents should always use the smart router so
baseCurrency: "inr" lands on Onramp.money correctly. Force-provider
fields below are documented for completeness (REST callers only).
POST /agent/onramp/onrampmoney — REST-only (dashboards)
| Field | Notes |
|---|
chain | ethereum / polygon / bsc / tron / solana. Mapped to legacy network code. |
network | Legacy code (erc20 / matic20 / bep20 / trc20 / spl); overrides chain mapping. |
currency / coinCode | Coin (usdc, usdt, busd, matic, bnb, eth, sol). |
amount | INR (e.g. 1000 = ₹1000). |
coinAmount | Crypto-side target — wins over amount if both sent. |
paymentMethod | 1 = UPI/Instant (default in India), 2 = IMPS/Bank. Skip to let user choose. |
walletAddress, redirectURL, addressTag | Optional. |
Chain → Onramp network: ethereum→erc20, polygon→matic20,
bsc→bep20, tron→trc20, solana→spl.
Onramp.money supported (coin × network) matrix
Calls outside this matrix throw. Propose a supported pair or switch to
Moonpay.
| Coin | Networks |
|---|
usdt | bep20, matic20, erc20, trc20 |
usdc | bep20, matic20 (NOT erc20 / solana) |
busd | bep20 |
matic | matic20 |
bnb | bep20 |
eth | erc20, matic20 |
sol | spl |
Near-misses to remap on the fly:
- "USDC with INR on Ethereum" → propose Polygon (or Moonpay).
- "USDC with INR on Solana" → propose Polygon / BSC (or Moonpay).
- "ETH with INR on Arbitrum / Base / Optimism" → onramp on Eth/Polygon
and bridge via
openfin-relay, or use Moonpay.
Wallet defaults
If walletAddress is omitted: EVM chain → caller's EVM address;
chain=solana or currencyCode=*_sol → caller's Solana address.
Missing wallet → request fails; send the user to openfinance.tech.
Pair with other skills
- Onramp lands on chain X, user wants to trade on chain Y → bridge via
openfin-relay.
- USDC on Arbitrum → Hyperliquid → use
GET /agent/trading/deposit-address.
Hyperliquid takes only USDC (not USDT, not USDC.e).
- INR → Hyperliquid: Onramp.money INR → USDC on Polygon or BSC →
openfin-relay to Arbitrum → Hyperliquid deposit address.
- USDC on Polygon → Polymarket → swap to pUSD and route to the
deposit wallet (
GET /agent/polymarket/deposit-wallet).
Examples
USD → USDC on Base (Moonpay):
POST /agent/onramp
{ "chain": "base", "currency": "usdc", "amount": 100, "baseCurrency": "usd" }
→ { "provider": "moonpay", "url": "https://buy.moonpay.com/?…" }
INR → USDC on Polygon via UPI (Onramp.money):
POST /agent/onramp
{ "baseCurrency": "inr", "chain": "polygon", "currency": "usdc",
"amount": 5000, "paymentMethod": 1 }
→ { "provider": "onrampmoney", "url": "https://onramp.money/app/?…" }
Don't
- Don't use Onramp.money for non-INR fiats — INR-only.
- Don't ignore the (coin × network) matrix — propose a supported pair
instead of retrying.
- Don't ask for card / UPI details — the provider collects them in
their own KYC UI.
- Don't poll for onramp status — the provider emits funds directly to
the wallet. Verify on-chain via
openfin-onchain (/balances).
MCP
Single tool: get_onramp_url (smart router). Same body as
POST /agent/onramp; returns { provider, url, … }. The
force-provider routes are REST-only — there is no
get_moonpay_onramp_url or get_onrampmoney_onramp_url MCP action,
so every onramp call goes through the smart router. INR triggers
("buy USDT with INR", "deposit ₹1000", "get USDC with UPI") route
to Onramp.money automatically.
