# qrPH Payin (PHP → USDT)

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This section provides a reference for integrating Tylt CrossRamp’s qrPH on-ramp flow within merchant applications. Through this integration, end users can initiate PHP transfers via qrPH, which are used to facilitate the acquisition of stablecoins. The resulting USDT is transferred to the merchant’s Tylt wallet.

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#### Conversion & Settlement Model

1. Each transaction is processed using a real-time conversion quote.
2. At the time of initiation, a PHP → USDT quote is generated. The end user reviews and accepts the quote and proceeds with the on-ramp flow based on the provided transaction details.
3. The end user then completes the fiat transfer via qrPH through a regulated partner. Upon successful completion of the fiat leg, the corresponding crypto-asset conversion is executed and the resulting USDT is credited to the merchant’s Tylt wallet.
4. Settlement is not batch-dependent. All transactions are reconciled through a daily settlement cycle, ensuring that balances are fully reflected no later than 02:30 AM UTC

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#### Settlement Overview

| Attribute               | Description                                                 |
| ----------------------- | ----------------------------------------------------------- |
| **Quote Model**         | Real-time FX quote per transaction (PHP → USDT)             |
| **Credit Timing**       | USDT credited upon successful completion of the transaction |
| **Settlement Finality** | Fully reconciled by 02:30 AM UTC daily                      |
| **Settlement Currency** | USDT                                                        |
| **Payment Method**      | qrPH (Philippines National QR Standard)                     |
| **Destination**         | Merchant Tylt Wallet                                        |

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### What You’ll Find in the API Reference

**1. qrPH On-Ramp Flow**\
Guidance for enabling end users to initiate PHP transfers via qrPH and complete on-ramp transactions, including transaction lifecycle tracking and settlement visibility.

**2. Endpoint Descriptions**\
Detailed specifications for all API endpoints, including parameters, authentication requirements, webhook structure, and lifecycle states.

**3. Request & Response Formats**\
Structured JSON examples covering pay-in creation, status retrieval, webhook payloads, and error handling.

**4. Code Examples**\
Reference implementations in Node.js, Python, and other common stacks.

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### Summary

This API enables merchants to embed qrPH-based on-ramp functionality, allowing end users to acquire stablecoins via local payment methods, with settlement managed in USDT through Tylt’s crypto-asset infrastructure.


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