# Tylt CrossRamp: Fiat ↔ Crypto Solutions

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Tylt CrossRamp enables merchants to embed on-ramp and off-ramp functionality within their applications, allowing end users to acquire and dispose of stablecoins using local payment methods. CrossRamp operates as an embedded crypto exchange and transfer layer, enabling merchants to integrate fiat-to-crypto and crypto-to-fiat flows without directly handling fiat processing.

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#### How It Works

CrossRamp separates fiat and crypto flows:

* End users initiate fiat transactions through supported local payment methods 
* Tylt facilitates the corresponding crypto-asset conversion and manages the transfer of stablecoins

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#### Supported Flows

CrossRamp supports two primary interaction flows:

(i) end users acquire stablecoins via the embedded on-ramp and transfer the resulting crypto-assets to the merchant; and 

(ii) merchants transfer stablecoins to end users, who subsequently convert the received crypto-assets into fiat via supported off-ramp methods.

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#### Supported Payment Methods

CrossRamp supports region-specific payment methods, including:

* PIX (Brazil)
* Open Banking (EUR / GBP)
* QRPH (Philippines)

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#### Key Characteristics

* **Embedded crypto exchange layer**\
  Facilitates acquisition and disposal of stablecoins
* **Crypto-native settlement**\
  All balances and settlement occur in stablecoins (e.g., USDT/USDC)
* **Separation of fiat and crypto layers**\
  Fiat transactions are executed by regulated banking and payment partners. Tylt operates exclusively at the crypto layer
* **Unified API integration**\
  Single integration across multiple regions and payment methods
* **Webhook-driven lifecycle**\
  Transaction state updates are delivered via event-driven callback

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#### Merchant Use Cases

Merchants can use CrossRamp to:

* Facilitate end-user on-ramp flows, where fiat payments are converted into stablecoins via Tylt’s embedded crypto exchange layer and transferred to the merchant
* Facilitate end-user off-ramp flows, where stablecoins are transferred to Tylt, converted into fiat, and paid out to end users via local payment methods
* Integrate local payment rails into a unified crypto settlement and transfer infrastructure

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