# Philippines (PHP)

Tylt CrossRamp enables merchants to embed on-ramp functionality using qrPH rails in the Philippines, with settlement in USDT. CrossRamp operates as an embedded crypto exchange and transfer layer, allowing end users to acquire stablecoins via local payment methods, while merchants receive and manage balances in USDT.

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#### Low-Code Integration

Tylt CrossRamp provides a low-code integration for embedding qrPH-based on-ramp flows within merchant applications.

This approach enables:

* Rapid integration with minimal development effort
* Pre-built interface for end-user transaction initiation
* Standardised flows across supported regions
* Integrated compliance stack (AML, KYC, Travel Rule)
* Reduced integration and operational complexity

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#### Settlement Model

CrossRamp enables end users to initiate PHP transfers via qrPH, which are used to facilitate crypto-asset acquisition flows.

Under the daily settlement model:

* Fiat transactions are completed in PHP via qrPH through regulated partners
* Corresponding crypto-asset conversions are executed within Tylt
* Resulting USDT balances are aggregated and settled to the merchant

Settlement is processed once daily at 2:00 AM UTC, with the merchant’s USDT balance updated accordingly.

Merchants may subsequently use their USDT balance for transfers, payouts, or treasury operations.

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### Settlement Summary

| Feature                     | qrPH (Philippines)                                |
| --------------------------- | ------------------------------------------------- |
| **Settlement Frequency**    | Daily (2:00 AM UTC)                               |
| **Settlement Currency**     | USDT                                              |
| **Fiat Currency (On-Ramp)** | PHP                                               |
| **Payment Method**          | qrPH (account-to-account via banks and e-wallets) |
| **Integration Type**        | Low-code widget                                   |
| **Conversion Model**        | PHP → USDT (per transaction)                      |
| **Settlement Model**        | Aggregated daily settlement                       |
| **Liquidity Availability**  | Post 2:00 AM UTC settlement                       |
| **Merchant Wallet Credit**  | USDT wallet                                       |
| **Supported Region**        | Philippines                                       |


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