> For the complete documentation index, see [llms.txt](https://docs.tylt.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tylt.money/tylt-crossramp-fiat-crypto-solutions/canada-intrac.md).

# Canada (Intrac):

## Canada (Interac e-Transfer)

Tylt CrossRamp enables merchants to embed on-ramp functionality for Canadian end users through Interac e-Transfer, with settlement in USDC/ USDT.

CrossRamp operates as an embedded crypto exchange and transfer layer, allowing end users to acquire stablecoins using local CAD payment rails while merchants or end-users receive and manage balances in USDC/ USDT.

### Low-Code Integration

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

This approach enables:

* Rapid integration with minimal development effort
* A pre-built payment interface for end-user interaction
* A standardised CAD on-ramp flow
* Integrated compliance controls, including AML, KYC and Travel Rule requirements
* Real-time transaction-status updates
* Reduced implementation complexity for merchants

### Interac e-Transfer Settlement Model

CrossRamp enables end users to initiate CAD payments through Interac e-Transfer. These payments are used to facilitate the acquisition of crypto-assets through Tylt.

Under the settlement model:

* The merchant creates a CAD pay-in instance through the Tylt API.
* The end user receives and completes an Interac e-Transfer payment request.
* The fiat payment is processed through Tylt’s Canadian payment partner.
* The corresponding crypto-asset conversion is performed within Tylt.
* The resulting USDC, USDT is credited to the merchant’s Tylt wallet or transferred to the end-users approved external wallet, where enabled.

Settlement timing is based on the merchant’s approved configuration. Supported settlement options may include instant settlement or an approved `T+N` settlement schedule, such as `T+1`.

Merchants and end-users may subsequently use their USDC, USDT balance for transfers, payouts, settlement or treasury operations.

### Settlement Summary

| Feature                       | Interac e-Transfer — Canada             |
| ----------------------------- | --------------------------------------- |
| Settlement frequency          | Instant or approved `T+N` schedule      |
| Settlement currency           | USDC, USDT                              |
| Fiat currency                 | CAD                                     |
| Transaction type              | On-ramp                                 |
| Payment method                | Interac e-Transfer                      |
| Integration type              | Low-code hosted payment flow            |
| Settlement destination        | Tylt wallet or approved external wallet |
| Supported region              | Canada                                  |
| Transaction notifications     | Signed webhook notifications            |
| Transaction verification      | Get Instance Information endpoint       |
| Successful transaction status | `eventId: 5` — Payment Completed        |

This can also be tightened further to match the exact length and formatting of the EU/UK GitBook page.