> 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/canada-interac-e-transfer-on-ramp.md).

# Canada Interac e-Transfer On-Ramp

This section provides a reference for integrating Tylt CrossRamp’s Canada Interac e-Transfer on-ramp flow within merchant applications.

Through this integration, end users can initiate payments in Canadian dollars through Interac e-Transfer. These payments are used to facilitate the acquisition of stablecoins, with the resulting USDC/USDT settled to the merchant’s Tylt wallet or, where enabled, to an approved external wallet.

### Conversion and Settlement Model

Each transaction is processed using a real-time conversion quote.

At the time the pay-in instance is created, a CAD-to-USDC/USDT quote is generated. The end user reviews the applicable transaction details and proceeds with the Interac e-Transfer payment request.

The end user is then prompted to complete the CAD payment through their supported Canadian financial institution.

Once the fiat payment has been successfully received and confirmed, the corresponding crypto-asset conversion is completed. The resulting USDC/USDT is then credited according to the merchant’s configured settlement method.

Settlement may be completed:

* Internally, by crediting the merchant’s Tylt wallet; or
* Externally, by transferring USDC/USDT to an approved wallet address and supported blockchain network.

The applicable settlement timing is determined by the merchant’s approved configuration. Supported settlement types may include instant settlement or a permitted `T+N` settlement schedule, such as `T+1`.

### Settlement Summary

| Item                         | Description                                                         |
| ---------------------------- | ------------------------------------------------------------------- |
| Fiat currency                | CAD                                                                 |
| Payment method               | Interac e-Transfer                                                  |
| Settlement asset             | USDC/USDT                                                           |
| Conversion rate              | Real-time CAD-to-USDC/USDT quote                                    |
| Internal settlement          | USDC/USDT credited to the merchant’s Tylt wallet                    |
| External settlement          | USDC/USDT transferred to an approved external wallet, where enabled |
| Settlement timing            | Instant or an approved `T+N` settlement schedule                    |
| Transaction notifications    | Signed webhook notifications                                        |
| Transaction verification     | Get Instance Information endpoint                                   |
| Successful transaction state | `eventId: 5` — Payment Completed                                    |

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

#### 1. Interac e-Transfer On-Ramp Flow

Guidance for enabling end users to initiate CAD payments through Interac e-Transfer and complete on-ramp transactions, including the creation of payment instances and the tracking of transaction status.

#### 2. Endpoint Descriptions

Detailed specifications for all API endpoints, including request parameters, authentication requirements, signing requirements and sample requests.

#### 3. Request and Response Formats

Structured JSON examples, field definitions and response formats to support accurate implementation.

#### 4. Authentication and Signing

Guidance for authenticating merchant requests using the Tylt API Key and generating HMAC-SHA256 signatures using the merchant’s API Secret Key.

#### 5. Code Examples

Reference implementations in Node.js, Python and other supported languages for creating transactions, retrieving transaction information and validating webhook signatures.

#### 6. Webhooks and Transaction Status

Guidance for receiving signed transaction-status notifications, validating webhook signatures and processing lifecycle events idempotently.

#### 7. Error Handling

Common error scenarios, possible causes and recommended handling strategies to support a reliable integration.

### Summary

This API enables merchants to embed an Interac e-Transfer-based on-ramp flow within their applications.

End users can initiate payments in CAD through their Canadian financial institution, following which the corresponding stablecoins are acquired and settled in USDC , USDT through Tylt’s crypto-asset infrastructure.

The integration supports real-time quotes, hosted payment flows, signed status webhooks, transaction-status retrieval and configurable internal or external settlement.