Deposit On-Chain (Receive Crypto)

This endpoint is marked as deprecated but is fully functional. It will be replaced with a clearer naming convention in the future.

Use Case

This endpoint is for e-commerce platforms and businesses that want to accept mobile money payments and receive the equivalent in cryptocurrency. Perfect for:

E-commerce platforms accepting crypto payments
Merchants wanting to receive payments in stablecoins
Platforms converting fiat payments to crypto automatically

NOT for:

Selling crypto to customers (use /onramp instead)
Running a crypto exchange

How It Works

Your customer pays via mobile money (STK push)
We collect the mobile money payment
We convert the fiat to crypto at current rates
Your crypto wallet receives the USDT/crypto
You fulfill the customer’s order

Flow

Key Differences

Aspect	This Endpoint (Deposit On-Chain)	Onramp Endpoint
Who receives crypto?	✅ You (the merchant)	Customer
Who receives fiat?	Payment processor	✅ You (the merchant)
Crypto inventory needed?	❌ No	✅ Yes (must have crypto to sell)
Use case	Accept payments in crypto	Sell crypto to customers

Examples

Receive crypto to your wallet

When you DON’T provide public_address, crypto goes to your wallet:

{
  "customer_key": "cus_abc123",
  "wallet_id": "wallet_polygon_usdt_xyz",
  "amount": 1450,
  "chain": "POLYGON",
  "token": "USDT",
  "callback_url": "https://yourdomain.com/webhook",
  "reference_id": "order_12345"
}

Result: You receive ~0.65 USDT in your POLYGON wallet

Send crypto to customer’s address

When you provide public_address, crypto goes directly to that address:

{
  "customer_key": "cus_abc123",
  "wallet_id": "wallet_polygon_usdt_xyz",
  "amount": 1450,
  "chain": "POLYGON",
  "token": "USDT",
  "public_address": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
  "callback_url": "https://yourdomain.com/webhook",
  "reference_id": "order_12345"
}

Result: Customer receives ~0.65 USDT at their address

Supported Chains & Tokens

Get supported chains and tokens:

GET /api/v3/deposit/on-chain/supported-chains

Response:

{
  "data": {
    "POLYGON": ["USDT", "USDC"],
    "ETHEREUM": ["USDT", "USDC"],
    "CELO": ["CUSD"],
    "STELLAR": ["USDC"],
    "SOLANA": ["USDT", "USDC"]
  }
}

Status Tracking

Track your deposit status:

GET /api/v3/deposit/on-chain/status/{reference_id}

See Get Deposit On-Chain Status for details.

Getting Started

Health & System

Authentication & Setup

Fiat Wallets

Crypto Wallets

Customer Management

Mobile Money Deposits

Mobile Money Withdrawals

SMS

Card Deposits

Bank Deposits

Bank Withdrawals

Kenya Withdrawals

Country & Service Support

Exchange Rates

Onramp (Buy Crypto)

Offramp (Sell Crypto)

Crypto Deposits (On-Chain)

Settlement Requests

Settlement Batches

Saved Beneficiaries

Cross-Border Payments

KYC & Compliance

Payment Links

Bulk Payments

Deposit On-Chain (Receive Crypto)

Use Case

How It Works

Flow

Key Differences

Examples

Receive crypto to your wallet

Send crypto to customer’s address

Supported Chains & Tokens

Status Tracking

​Use Case

​How It Works

​Flow

​Key Differences

​Examples

​Receive crypto to your wallet

​Send crypto to customer’s address

​Supported Chains & Tokens

​Status Tracking

Use Case

How It Works

Flow

Key Differences

Examples

Receive crypto to your wallet

Send crypto to customer’s address

Supported Chains & Tokens

Status Tracking