# Welcome to Vortex Docs This documentation covers everything you need to understand and integrate the Vortex platform — whether you’re using our **Buy & Sell Crypto App**, embedding the **Vortex Widget**, or connecting via our **Exchange API**. ### What is Vortex? We started Vortex to fix what makes fiat ↔ crypto conversion unreliable: opaque pricing, unpredictable liquidity, and unnecessary friction — especially in cross-border and emerging markets. Vortex is different. We center our infrastructure around stablecoins, and work exclusively with regulated local partners who understand their jurisdictions’ payment rails and compliance requirements. Pricing is based on interbank FX rates, or — where official rates diverge from reality — on prevailing local market rates. The result: real liquidity, transparent pricing, and a system that works equally well for individuals and institutions.
# How Vortex Works & Fund Flow ## How Vortex Works & Fund Flow Vortex is designed around four principles: 1. **Stablecoins at the core** – Stablecoins are the primary settlement asset, reducing volatility and simplifying reconciliation. Other crypto tokens can also be on- or off-ramped, but they are exchanged into stablecoins through the Vortex DEX before reaching fiat settlement. 2. **Local partners** – Regulated partners in each market handle fiat transfers, maintain local stablecoin liquidity, and carry out compliance. They hold the fiat accounts and are responsible for payouts and collections. 3. **Direct settlement** – Each conversion links one crypto transfer with one fiat transfer. There is no pooling of funds; every payment is processed transaction by transaction. 4. **Abstracted flow** – The complete routing, swapping, and bridging process is hidden from the end user. Only the starting asset and the resulting payout are visible; all intermediate steps are automated inside Vortex. ### The Role of the Vortex DEX The Vortex DEX provides deep on-chain liquidity between the **primary settlement stablecoin** and the **local partner stablecoins** (for example, EURC as the stablecoin used for EUR, or BRLA as the stablecoin used for BRL). This ensures that every fiat corridor has a reliable and transparent crypto-side exchange mechanism. The DEX itself does not interact with fiat. Its sole purpose is to keep conversion between stablecoins efficient and fairly priced, supported by external price oracles. ### Typical On-Ramp Flow (Fiat → Crypto) * Fiat payment is initiated through a local rail (e.g., SEPA, PIX). * Fiat is received by the local regulated partner. * Equivalent value is issued as the partner stablecoin and routed through the Vortex DEX. * The partner stablecoin is exchanged in the Vortex DEX into a primary settlement stablecoin, unless it already qualifies as one. * The primary settlement stablecoin can be swapped into another output token if needed, and delivered to the recipient wallet. * Settlement is completed either instantly or within the clearing timeframe of the chosen fiat rail. ### Typical Off-Ramp Flow (Crypto → Fiat) * A crypto payment (stablecoin or other token) is sent to Vortex. * The asset is swapped, bridged, or routed into a primary settlement stablecoin. * The primary settlement stablecoin is exchanged on the Vortex DEX into the local partner stablecoin. * The local partner stablecoin is sent to the regulated partner, and fiat payout is made through SEPA, PIX, or another supported scheme. * Settlement is immediate where rails allow, or within the standard local timeframe. This flow applies across all Vortex products. The same backend, local partner setup, and DEX-driven exchange process govern the Buy & Sell Crypto App, the Vortex Widget, and the Liquidity API. {% hint style="info" %} Note: In some cases, the flow does not go through the Vortex DEX. If a liquid direct pair with the local stablecoin exists on another DEX/router, that path may be used instead. In early corridors, PSP partners may also handle conversion in a more traditional way before the local stablecoin pools are live. {% endhint %} # Fund Security & Resilience Vortex is designed with built-in safeguards and non-custodial infrastructure to ensure user funds remain secure throughout every transaction. From cross-chain transfers to fiat settlement, our system combines automated validation, fallback logic, and regulated partners to deliver reliability you can trust. *** ## 🔍 What Happens If… ### A Cross Chain Transfer fails * Funds are only committed after full route validation. * If any part fails, assets are returned to a fallback address on Moonbeam. * SquidRouter and Axelar enable automatic retry logic. ### The FX rate changes mid-transaction? * FX rates are locked when the user confirms the transaction. * Any deviation is subsidized by Vortex—users receive the expected output. * Oracle-based pricing and liquidity checks are performed before execution. ### A bridge to fiat fails? * EURC & ARS.s via Spacewalk: Transfers only complete with bridge validation. If an issue occurs, funds remain recoverable on Pendulum. * BRL via XCM: Transfers define fallback destinations in advance, ensuring asset return. ### The local partner doesn’t deliver fiat? * Fiat redemption is handled by regulated fintech partners with audited, segregated accounts. * Vortex holds direct SLAs and control processes to ensure reliability and compliance. ### 🔐 Core Security Features * **Pre-Signed Transactions**\ All steps are validated before funds move—preventing execution drift. * **Fallback Mechanisms**\ Recovery paths exist at every stage of the process. * **No Custody by Vortex**\ Vortex never holds user funds—smart contracts and partners manage all flows. * **Rate Guarantee**\ FX rates are locked at the start; slippage is covered by Vortex. * **Ephemeral Accounts**\ Temporary user-side accounts isolate funds and reduce exposure risk. *** # FX pricing and transparency FX pricing in Vortex is closely linked to the role of the Vortex DEX. The DEX provides transparent conversion between the **primary settlement stablecoin** and local partner stablecoins. Pricing is based on **interbank FX rates**, or — in markets with multiple rates — on **prevailing real trading rates** that reflect actual liquidity. This ensures that conversions are fair and aligned with real market conditions. In addition to FX pricing, two types of fees apply: * **Processing Fee** – A fixed percentage applied across supported rails. This covers FX processing and infrastructure costs (such as UX, KYC, payouts). * **Network Fee** – Paid to blockchain validators. This covers one or more on-chain transactions, depending on network congestion and the output asset selected. For example, if funds are routed from a stablecoin into another token through a DEX, the user pays the related network fees. # Compliance & Partner Model Compliance in Vortex is managed through licensed local partners. They conduct KYC/KYB checks, hold fiat accounts in their jurisdictions, and handle reporting according to local rules. This ensures that every corridor operates within its legal framework. Vortex itself does not run KYC or KYB. By relying on partners with the required licenses, onboarding is faster and duplication is avoided. Users see a single, unified service while each partner remains responsible for its own market. ### Current Partners * **BRLA Digital Ltda (Brazil)** – [Website](https://avenia.io/) – [Terms of Service](https://app.avenia.io/Avenia-TC.pdf) * **ANCLAP (Argentina)** – [Website](https://www.anclap.com/) * **Monerium EMI ehf. (Europe)** – [Website](https://monerium.com/) – [Terms of Service](https://monerium.com/policies/personal-terms-of-service-2025-05-20/) * **MyKobo sp. z.o.o. (Europe)** – [Website](https://mykobo.io/) – [Terms of Service](https://terms.mykobo.co/) # Company Model Vortex is a product brand of [SatoshiPay Ltd](https://www.satoshipay.io/). SatoshiPay operates the Vortex frontend service for individuals and businesses, while the underlying smart contracts and settlement logic run on the [Pendulum blockchain](https://pendulumchain.org/). This setup combines the openness of a decentralized application (dApp) with the reliability of a regulated service provider. [SatoshiPay](https://www.satoshipay.io/) is a blockchain technology company founded in 2014, with a long track record of building infrastructure at the intersection of fiat and decentralized finance.\ [Pendulum](https://pendulumchain.org/) is a Polkadot-based network designed to connect stablecoins and traditional currencies to DeFi, providing the foundation on which Vortex settlement runs. # Technical Architecture ## Overview The Vortex app is built on robust blockchain technology to enable transparent, fast, and cost-effective cross-currency swaps. It leverages on-chain FX protocols and advanced Automated Market Maker (AMM) algorithms for efficient liquidity management and minimal slippage. ### Core Components 1. Bridges - Axelar * Vortex has seamlessly integrated Axelar's cross-chain communication protocol through the Squid Router, empowering users with the ability to off-ramp their digital assets from leading EVM-compatible blockchains such as Ethereum, Base, and Arbitrum. * This integration ensures a smooth and efficient transfer of assets across multiple networks, enabling users to move their funds seamlessly into local fiat currencies or other supported assets. By leveraging Axelar’s robust infrastructure, Vortex enhances interoperability, reduces transaction complexities, and broadens the accessibility of its offramping services to users operating within diverse blockchain ecosystems. 2. Anchors / Issuers * We collaborate with regulated stablecoin issuers to ensure the highest levels of reliability, transparency, and compliance in all transactions. These partnerships enable us to offer stablecoins that adhere to strict regulatory standards, providing our users with secure and dependable digital assets. * By leveraging the trust and oversight of these issuers, we can facilitate seamless, low-cost, and efficient cross-border transactions while maintaining the integrity and stability of our financial ecosystem * Anchors like MYKOBO which work with Circle to issue the EURC and Issuers like Anclap which issue the ARS peso 3. Spacewalk stablecoin link * The [Spacewalk Bridge](https://portal.pendulumchain.org/pendulum/spacewalk/bridge) is a critical component of the Vortex ecosystem, designed to facilitate seamless liquidity routing across supported EVM networks and connect them to fiat gateways on the Stellar blockchain via Pendulum. By enabling this cross-chain liquidity transfer, the Spacewalk Bridge acts as a vital link between decentralized ecosystems and traditional financial systems, allowing users to move funds efficiently and cost-effectively. * This integration leverages the robust infrastructure of Pendulum to bridge the gap between blockchain-based assets and fiat currencies, providing enhanced liquidity management and faster transaction processing. The Spacewalk Bridge not only ensures interoperability between EVM-compatible networks and Stellar but also supports the secure and transparent exchange of value, making cross-border payments more accessible and efficient for businesses and individual users alike. 4. Forex AMM (Automated Market Maker) plays a pivotal role in the Vortex ecosystem by revolutionizing how foreign exchange (FX) transactions are conducted on-chain. Here's an elaboration of its features and functionality * Real-Time, Tamper-Proof Exchange Rates: * The Forex AMM ensures that users always have access to accurate and up-to-date exchange rates by integrating decentralized oracles. These oracles act as trusted intermediaries, pulling real-world price data from multiple reliable sources and feeding it directly to the AMM. This ensures that exchange rates remain tamper-proof, eliminating the risk of manipulation and providing users with fair and market-driven pricing for their FX transactions. * Minimized Slippage Through Optimized Liquidity Provisioning: * The Forex AMM employs advanced liquidity management strategies to optimize the availability of funds in its liquidity pools. By allowing single-sided liquidity provisioning and utilizing efficient algorithms to balance the pools, it minimizes slippage, ensuring that users can execute large trades with minimal impact on the price. This is particularly beneficial for cross-border payments and high-volume transactions, where even small slippage can result in significant cost differences. * Enhanced User Experience: * The integration of real-time price feeds and optimized liquidity ensures that users enjoy seamless, predictable, and cost-effective trading experiences. Whether for businesses engaging in cross-currency settlements or individuals making remittances, the Forex AMM delivers an unparalleled level of efficiency and transparency in the decentralized FX market. * Link to FX DEX Pools: * * Forex AMM docs * 5. Pendulum * Pendulum is a robust Substrate-based DeFi ecosystem designed to deliver efficient and scalable financial solutions while leveraging the advanced security infrastructure of the Polkadot network. By integrating Polkadot’s shared security model, Pendulum ensures high levels of reliability and protection against malicious activity, making it a trusted platform for decentralized finance applications. * Pendulum’s foundation on Substrate provides it with a modular and upgradeable architecture, enabling the ecosystem to adapt quickly to evolving DeFi trends and technological advancements. By incorporating Polkadot’s high throughput and cross-chain communication capabilities, Pendulum delivers a seamless user experience for decentralized applications, even as transaction volumes grow. # Crypto-to-Fiat Off-Ramping ## How to sell crypto for EUR without using a centralized exchange Selling crypto for EUR does not require depositing funds on a centralized exchange.\ It can be done using self-custodial wallets, on-chain liquidity, and a regulated EUR settlement layer. In this setup, crypto remains under user control and is never held in an exchange account. This page explains the main approaches, their trade-offs, and how Vortex fits architecturally. *** ### Short answer You can sell crypto for EUR without a centralized exchange by: * Initiating the sale from a self-custodial wallet * Swapping assets on-chain using available liquidity * Settling EUR to a bank account (SEPA) via regulated fiat rails The flow does not rely on an exchange balance or custodial trading account. *** ### The four common approaches #### 1. Centralized exchanges (CEX) **How it works:**\ Crypto is deposited to an exchange account, sold internally, and EUR is withdrawn. **Trade-offs:** * Full custody during the process * Account freezes and withdrawal limits * Requires trusting the exchange with funds *** #### 2. Broker-style fiat ramps (MoonPay, Ramp Network) **How it works:**\ A regulated payment provider acts as the principal counterparty.\ They quote a price, buy the crypto from the user, and handle fiat settlement end-to-end via a hosted checkout or widget. Typical examples include MoonPay and Ramp Network. **Trade-offs:** * Very simple UX and broad geographic coverage * Provider controls pricing, spreads, and execution * Limited transparency into liquidity and settlement * Less suitable for custom flows or embedded treasury use This model is not a centralized exchange, but it is broker-led and custodial at the transaction level. *** #### 3. Peer-to-peer (P2P) **How it works:**\ Crypto is sold directly to another party, with EUR transferred manually. **Trade-offs:** * Counterparty risk * Poor liquidity at scale * Operational overhead *** #### 4. Self-custodial off-ramping (non-CEX) **How it works:**\ Crypto stays in the user’s wallet, is swapped on-chain, and EUR is paid out via regulated fiat infrastructure. **Trade-offs:** * Requires compliant fiat settlement * More components than a single broker checkout This is the model Vortex supports. *** ### How selling crypto for EUR works with Vortex Vortex provides a non-custodial off-ramp architecture connecting on-chain liquidity with EUR settlement. **High-level flow:** * User initiates a sell from a self-custodial wallet * Crypto is swapped on-chain using available liquidity * EUR is settled to a bank account via SEPA Unlike broker-style ramps, Vortex does not act as a principal quoting a retail price.\ It connects liquidity and settlement infrastructure without taking custody like an exchange. *** ### What this setup is suitable for * Users who want to avoid exchange custody * Wallet-native applications * Platforms that need EUR payouts without operating a centralized exchange *** ### What it is not * A centralized trading venue * A price-quoting retail broker * A way to bypass regulatory requirements Compliance checks apply where required by law. *** ### Common questions 1. **Can I sell crypto for EUR without KYC?**\ No. EUR bank payouts require compliance checks.\ “Non-custodial” does not mean “unregulated”. 2. **Do I need to create an exchange account?**\ No exchange account is required.\ The flow is wallet-initiated. 3. **Is this available in Europe?**\ Yes. EUR payouts are processed via SEPA where supported. 4. **Is this only for businesses?**\ The same architecture applies to retail users and platforms.\ Integration details differ. *** ### Using the Vortex API If you are building an application and want to integrate crypto-to-EUR off-ramping without running a centralized exchange: * Review the API overview * Check supported flows and compliance requirements * Implement wallet-initiated sell transactions → Proceed to the [API reference](https://api-docs.vortexfinance.co/) to integrate crypto-to-EUR off-ramping # Introduction Vortex enables users and businesses to **on-ramp and off-ramp** crypto into fiat currencies instantly, securely, and at highly competitive **FX rates**. \ \ Our architecture combines cross-chain smart contracts, real-time FX pricing, and regulated local partners. We deliver fast, compliant fiat settlement. Vortex ( [app.vortexfinance.co](https://app.vortexfinance.co/)) removes the complexity of crypto-to-fiat conversion, making Crypto-to-Fiat transactions effortless for wallets, platforms, and users alike. ### Why Vortex 1. Low Costs: Enjoy up to 50% lower fees than traditional cross-currency ramps 2. One-Step User Experience 3. Transparent Fees: Upfront, clear pricing with no hidden charges. # Personal Ready to ramp? **Click** [**here**](https://app.vortexfinance.co/) **to Sell USDC/USDT on Vortex Finance**\ If you prefer guidance or need rail-specific steps, use the **country guides** below.
Brazil ## How it works ? 1. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 2. Enter your KYC details \[Fast track] 3. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### 1. Claim your rate on app.vortexfinance.co 1. Connect your EVM wallet (e.g., **MetaMask, Rabby, or Safe**). 2. Enter the amount you wish to transfer. 3. Enter your CPF and PIX key and Confirm 4. If you have already KYC (Know Your Customer) you would directly go to confirmation page if not you will go to the ### 2. Enter your KYC details \[Fast track] 1. Enter your full name, phone number, CEP, Address and Birthdate 2. Approval is done in minutes, this is fast track KYC aka KYC level 1 ### 3. Confirm Your transaction on app.vortexfinance.co 1. After approval of KYC, you would see a confirmation pop-up 2. This provides a summary of the quote that was confirmed, details of our Partner 3. On clicking confirm, you would need to sign 2 transactions in your wallet 4. Confirm the transfer amount (e.g., **USDC/T**) in Wallet (first signing request) 5. Confirm the **network gas fee** in Wallet. (second signing request) 6. IMPORTANT: **Leave the Transaction Progress Screen open** until the transaction completes.
Europe ## How it works ? 1. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 2. Enter Details on Banking Partner Page 3. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### 1. Claim your rate on app.vortexfinance.co 1. Connect your EVM wallet (e.g., **MetaMask, Rabby, or Safe**). 2. Enter the amount you wish to transfer and confirm. 3. Wait for the rate to be validated, then click **“Continue to Partner.”** 4. You’ll be redirected to the Partner Page (MyKobo) to proceed with the transaction. ### 2. Enter Details on Banking Partner Page 1. Enter your first name, last name, email address and IBAN 2. If you use us for the first time, complete identity verification by submitting a government-issued ID and proof of address. Approval typically takes minutes, ensuring compliance with global financial regulations. 3. Verify the pre-filled transaction details, including the amount and fee. And click “Submit” to finalize your input. 4. Once you see the following page Page, return to the Vortex finance Tab to confirm the Transaction

Confirmation page

### 3. Confirm Your transaction on app.vortexfinance.co 1. Revisit the Vortex Finance page and check your connected wallet. {% hint style="info" %} Tip: Ensure you are using the same wallet connected during step 2. {% endhint %} 2. Confirm the transfer amount (e.g., **USDC/T**) in Wallet (first signing request) 3. Confirm the **network gas fee** in Wallet. (second signing request) 4. IMPORTANT: **Leave the Transaction Progress Screen open** until the transaction completes. Once the transaction is finalized, your funds will be on their way. Depending on your bank, this may take 1 minute to 2 banking days.
Argentina ## How it works ? 1. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 2. Enter your KYC details 3. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### 1. Claim your rate on app.vortexfinance.co 1. Connect your EVM wallet (e.g., **MetaMask, Rabby, or Safe**). 2. Enter the amount you wish to transfer. {% hint style="info" %} If you have already KYC (Know Your Customer) you would directly go to confirmation page if not you will go to the next section {% endhint %} ### 2. Enter your KYC details 1. Sign in on the Anclap \[Partner] platform and fill in the personal details 2. Approval is done in minutes ### 3. Confirm Your transaction on app.vortexfinance.co 1. After approval of KYC, you would see a confirmation pop-up 2. This provides a summary of the quote that was confirmed, details of our Partner 3. On clicking confirm, you would need to sign 2 transactions in your wallet 4. Confirm the transfer amount (e.g., **USDC/T**) in Wallet (first signing request) 5. Confirm the **network gas fee** in Wallet. (second signing request)
USA ## Sell Crypto — Personal — USA ### How it works? 1. Claim your rate on [app.vortexfinance.co](https://app.vortexfinance.co/) 2. Complete KYC verification with our compliant partner 3. Confirm your transaction on [app.vortexfinance.co](https://app.vortexfinance.co/) #### 1. Claim your rate on app.vortexfinance.co 1. Connect your EVM wallet (e.g., **MetaMask, Rabby, or Safe**) 2. Enter the amount you wish to sell and select the token (USDC, USDT, or other supported tokens) 3. Enter your bank account details (routing number and account number) for ACH payout 4. If you have already completed KYC, you will proceed directly to the confirmation page #### 2. Complete KYC verification 1. You will be redirected to our compliant partner's verification window 2. Complete verification in 5 steps: * User Information * Contact Information * User Address * ID Verification * Operational Questions 3. Keep your government-issued ID handy before you begin 4. Once complete, click **"I have finished the KYC verification"** to return to Vortex Finance 5. Wait while your KYC status is confirmed — do not close this window #### 3. Confirm your transaction on app.vortexfinance.co 1. After KYC approval, you will see a confirmation pop-up 2. This provides a summary of the confirmed quote and details of our partner 3. On clicking confirm, you will need to sign 2 transactions in your wallet 4. Confirm the transfer amount (e.g., **USDC/USDT**) in your wallet (first signing request) 5. Confirm the **network gas fee** in your wallet (second signing request)
# Business Ready to ramp? **Click** [**here**](https://app.vortexfinance.co/) **to Sell USDC/USDT on Vortex Finance**\ If you prefer guidance regarding KYB or need rail-specific steps, use the **country guides** below.
Brazil ## How it works ? 1. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 2. Enter your KYB details 3. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### **1. Claim Your Rate on** [**app.vortexfinance.co**](https://app.vortexfinance.co) * Visit [app.vortexfinance.co](https://app.vortexfinance.co) * Connect your EVM wallet (MetaMask, Rabby, or Safe) * Enter the **amount of crypto (e.g., USDT/USDC)** you wish to sell * Provide your **company CNPJ** and **PIX key** (corporate bank account) * Click **Confirm** to lock in your rate * If your business KYC is already approved, you’ll proceed directly to the confirmation screen * Otherwise, you will be prompted to complete business KYC ### **2. Complete Business KYB (via Google Form)** * Fill out the Business KYB [Form](https://docs.google.com/forms/u/1/d/1GkrDR9YetCDAK0IJLNhLf0SstPT4HiEYURV7vTw-nqQ/edit?usp=drive_web) 🇧🇷 and write us on `support@vortexfinance.co` * 📩 Our Partner's team will review and approve it. * We write back to you once it is approved. ### **3. Confirm and Transfer Crypto** * Once KYB is approved, return to [app.vortexfinance.co](https://app.vortexfinance.co) * A confirmation popup will show your locked rate and transaction details * Click **Confirm** * Sign **2 transactions** in your wallet: 1. Approve the transfer amount (e.g., USDT/USDC) 2. Approve the network gas fee ### **4. Receive BRL via PIX** * Once the crypto transfer is confirmed on-chain: * BRL will be sent to your **registered PIX key** (corporate bank account)
Europe ## How it works? 1. [Register](https://docs.google.com/forms/d/e/1FAIpQLSct3USlG7PkuLeKODX_5Tpv41ic13Tn1vwJi8MnztCQIiTfDA/viewform) with our Banking Partner MYKOBO 2. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 3. Enter Details on Banking Partner Page 4. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### 1. Register with our Banking Partner To use our services as a company, you must complete the **Know Your Business (KYB)** process with our local partner, **MyKobo (MYKOBO sp. z o.o.)**. **Fill out this** [**Form**](https://docs.google.com/forms/d/e/1FAIpQLSct3USlG7PkuLeKODX_5Tpv41ic13Tn1vwJi8MnztCQIiTfDA/viewform) **🇪🇺** MyKobo will review your submission within **1–2 hours during working hours** (no more than 2 working days). Once approved, you will receive an email confirmation. \ \ Please note that depending on your company structure and business model, additional documentation may be required in accordance with regulatory requirements." ### 2. Claim your rate on app.vortexfinance.co 1. Connect your EVM wallet **(e.g., MetaMask, Rabby, or Safe)**. 2. Enter the amount you wish to transfer and confirm. 3. Wait for the rate to be validated, then click **“Continue to Partner.”** 4. You’ll be redirected to the partner page (MyKobo) to proceed with the transaction. ### 3. Enter Details on Banking Partner Page 1. Enter your **first name** and **last name** as requested. (**Don’t worry—your company details are already saved from the KYB process.**) 2. Use the same **email address** and **IBAN** you provided during KYB registration.

Banking Partner Page

3. Verify the pre-filled transaction details, including the amount and fee. And click **“Submit”** to finalize your input. 4. Once you see the following Page, return to the Vortex finance Tab to confirm the Transaction

Confirmation page

### 4. Confirm Your transaction on app.vortexfinance.co 1. Revisit the Vortex Finance page and check your connected wallet. {% hint style="info" %} Tip: Ensure you are using the same wallet connected during step 2. {% endhint %} 2. Confirm the transfer amount (e.g., **USDC/T**) in Wallet (first signing request) 3. Confirm the **network gas fee** in Wallet. (second signing request) 4. IMPORTANT: **Leave the Transaction Progress Screen open** until the transaction completes. Once the transaction is finalized, your funds will be on their way. Depending on your bank, this may take 1 minute to 2 banking days. > Note: Occasionally, transactions may be paused for automatic compliance or security checks. In such cases, they are typically reviewed and completed within 24 hours.
# Personal Ready to ramp? **Click** [**here**](https://app.vortexfinance.co/) **to Buy USDC/USDT on Vortex Finance**\ If you prefer guidance or need rail-specific steps, use the **country guides** below.
Brazil ### How it works ? 1. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 2. Enter your KYC details \[Fast track] 3. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### **1. Claim Your Rate on** [**app.vortexfinance.co**](https://app.vortexfinance.co) * Visit [app.vortexfinance.co](https://app.vortexfinance.co) * Connect your EVM wallet (MetaMask, Rabby, or Safe) * Enter the BRL amount you wish to convert to crypto * Provide your **CPF** * Click **Confirm** to lock your quote * If you're already KYC-approved, you’ll go straight to confirmation * Otherwise, continue with KYC inside the app *** ### **2. Complete KYC In-App** * Enter your KYC details directly within the app * ⚡ KYC is typically approved within minutes *** ### **3. Confirm and Pay** * Once KYC is approved, a confirmation popup will show: * Locked quote and the PIX transfer details * Click **Confirm** * Send BRL via **PIX** to the displayed account * Your USDT/C will be transferred to your wallet upon payment confirmation
Europe ## How it works ? 1. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 2. Enter your KYC details 3. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### 1. Claim your rate on app.vortexfinance.co 1. Connect your EVM wallet (e.g., **MetaMask, Rabby, or Safe**). 2. Enter the amount you wish to transfer. 3. Wait for the rate to be validated, then click **“Continue to Partner.”** 4. You’ll be redirected to the Partner Page (Monerium) to proceed with the transaction. {% hint style="info" %} If you have already KYC (Know Your Customer) you would directly go to confirmation page if not you will go to the next section {% endhint %} ### 2. Enter your KYC details 1. Register onto the Monerium platfrom \[Partner] and enter your personal details and upload the documents. 2. Approval is done in couple of hours. ### 3. Confirm Your transaction on app.vortexfinance.co 1. After approval of KYC, you would see a confirmation pop-up 2. This provides a summary of the quote that was confirmed, details of our Partner 3. On clicking confirm, you would need to sign 2 transactions in your wallet 4. Confirm the transfer amount (e.g., **USDC/T**) in Wallet (first signing request) 5. Confirm the **network gas fee** in Wallet. (second signing request)
USA ## Buy Crypto — Personal — USA ### How it works? 1. Verify your email on [app.vortexfinance.co](https://app.vortexfinance.co/) 2. Connect your EVM wallet 3. Complete KYC verification with our compliant partner 4. Confirm your transaction on [app.vortexfinance.co](https://app.vortexfinance.co/) #### 1. Verify your email on app.vortexfinance.co 1. Enter your email address and agree to the Terms and Conditions and Privacy Policy 2. A one-time code will be sent to your email — enter it to verify your identity #### 2. Connect your EVM wallet 1. Connect your EVM wallet (e.g., **MetaMask, Rabby, or Safe**) 2. Enter the amount you wish to purchase and select the token you wish to receive (USDC, USDT, or other supported tokens) 3. If you have already completed KYC, you will proceed directly to the confirmation page #### 3. Complete KYC verification 1. You will be redirected to our compliant partner's verification window 2. Complete verification in 5 steps: * User Information * Contact Information * User Address * ID Verification * Operational Questions 3. Keep your government-issued ID handy before you begin 4. Once complete, click **"I have finished the KYC verification"** to return to Vortex Finance 5. Wait while your KYC status is confirmed — do not close this window #### 4. Confirm your transaction on app.vortexfinance.co 1. After KYC approval, you will see a confirmation pop-up 2. This provides a summary of the confirmed quote and details of our partner 3. On clicking confirm, you will need to sign 2 transactions in your wallet 4. Confirm the transfer amount (e.g., **USDC/USDT**) in your wallet (first signing request) 5. Confirm the **network gas fee** in your wallet (second signing request)
# Business Ready to ramp? **Click** [**here**](https://app.vortexfinance.co/) **to Buy USDC/USDT on Vortex Finance**\ If you prefer guidance regarding KYB or need rail-specific steps, use the **country guides** below.
Brazil ### How it works ? 1. Claim your rate on [app.vortexfinance.co/](https://app.vortexfinance.co/) 2. Enter your KYB details 3. Confirm your transaction on [app.vortexfinance.co/](https://app.vortexfinance.co/) ### **1. Claim Your Rate on** [**app.vortexfinance.co**](https://app.vortexfinance.co) * Visit [app.vortexfinance.co](https://app.vortexfinance.co) * Connect your EVM wallet (MetaMask, Rabby, or Safe) * Enter the amount you wish to purchase crypto for (in BRL) * Provide your **company CNPJ** * Click **Confirm** to lock your quote * If your business KYB is already approved, you will move directly to the confirmation screen * Otherwise, you will be prompted to complete KYB *** ### **2. Complete Business KYB (via Google Form)** * Fill out the Business KYC [Form](https://docs.google.com/forms/u/1/d/1GkrDR9YetCDAK0IJLNhLf0SstPT4HiEYURV7vTw-nqQ/edit?usp=drive_web) and write us on `support@vortexfinance.co` * 📩 Our Partner's team will review and approve it. * We write back to you once it is approved. *** ### **3. Confirm and Settle Your Transaction** * Once KYB is approved, return to [app.vortexfinance.co](https://app.vortexfinance.co) * A confirmation popup will show your locked rate and transaction details * Click **Confirm** * Send BRL via **PIX** to the provided account * USDT/C will be released to your wallet address once payment is verified
# FAQ 1. My wallet asks me to sign **two transactions** and pay gas. Is that normal? 1. Yes—on EVM chains you first **approve** the token, then **transfer/swap** it. That’s why you see two prompts. 2. I’m asked for KYC/KYB. What’s required and how long does it take? * **Personal (KYC):** Government ID + selfie, and the bank account **must match your legal name**. * Brazil - KYC usually takes 1-2 minutes to complete * Europe - KYC usually takes 10 minutes to complete * **Business (KYB):** Company docs (registration, ownership), authorized rep ID, and a business bank account in the entity’s name. * Brazil - KYB usually takes 5-10 minutes to complete * Europe - KYB usually takes 20 minutes to complete # Introduction The Vortex Widget allows you to easily embed buy and sell crypto functionality directly into your platform. With a simple integration, your users can: * Buy stablecoins using local payment methods (e.g., PIX, SEPA, etc.) * Sell stablecoins and receive funds directly to their bank accounts #### Why Use the Vortex Widget? * **Seamless Integration** – Add the widget to your website or app with just a few lines of code. * **Customization** – Configure fees and default Parameters * **Multi-Network Support** – Works across multiple chains, including Base, Polygon, BSC, and more. * **Automatic Compliance & KYC** – All flows are handled through regulated partners. # Quick Onboarding #### Follow the checklist for onboarding 1. Decide on the [integration type](/hosted-app/integration-type) 2. Fill the [onboarding form](https://docs.google.com/forms/d/e/1FAIpQLSe3FI-2PQUFJ76K7wsdGcVubXQILuty0bFbkxWhHo7XJ1_1JA/viewform?usp=header) - Required to gather details about your company and intended use case 3. Chat with us or schedule a short [call](https://calendar.app.google/17H2MJscHuAtYRYz8) with us to discuss commercial terms and [fee structure](/hosted-app/fee-structure) 4. Finalise and sign agreement 5. We share partner ID and technical details for widget configuration 6. Go live # Fee structure Every transaction processed through Vortex includes a transparent fee breakdown across three components — **Vortex Fee**, **Network Fee**, and an optional **Partner Fee**. * The **Vortex Fee** covers core infrastructure. * The **Network Fee** reflects on-chain transaction costs and may vary with network congestion. * The **Partner Fee** is an optional markup that integration partners can apply within their own app.
Fee / CostPaid ToRefers ToCost Varies Based On
✅ Vortex FeeVortex EcosystemMid-market FX + infrastructure fee (UX, KYC, payout, etc.)Fixed % — consistent across supported rails
🔗 Network FeeBlockchain validatorsCost of a single transaction (flat, not %)Depends on network usage — may spike during congestion
🧩 Partner Fee (optional)Integration partner (you)Optional markup when processing crypto inside your appOptional — only applied by some partners


# Integration Type The Vortex Widget supports multiple integration modes ### TL;DR | Recommended Integration | Suitable for | Setup Time | UX Control | Maintenance | | --------------------------- | --------------------------------- | ---------- | ---------- | ----------- | | **Link Integration** | All dAPPs | Very Low | Low | Minimal | | **Parameter Integration** | Ramp aggregators, wallets | Moderate | Medium | Low | | **UI (iFrame) Integration** | dAPPs who want full control of UX | Higher | High | Low | #### Below are the three main integration types currently supported:
Link Integration This is the simplest and fastest way to integrate. You can link directly to the Vortex Widget from your app or website using a standard URL with predefined query parameters like the partner ID #### How it works? 1. The user clicks a **“Buy”** or **“Sell”** button in your app. 2. Your app redirects them to the hosted Vortex widget (e.g., `https://app.vortexfinance.co/buy?...`). 3. The user completes the flow entirely on Vortex’s interface. #### Idealy for? 1. Fast go-live with minimal development. 2. Use cases where the user experience can shift briefly to an external hosted page. #### Advantages 1. Easiest to set up (no backend changes needed). 2. Automatically updated as new features roll out. 3. Secure and fully handled by Vortex (KYC, payments, callbacks, etc.). #### How to integrate? 1. Add the following link to your BUY button 2. Add the following linke to your SELL button
Parameter Integration In this mode, your app captures or preconfigures specific parameters on your UI and passes them to the Vortex widget link. This allows you to skip certain user input steps — for example, automatically setting the quote, fiat amount, or wallet address. #### How it works? 1. The partner app collects details such as amount, asset, or network. 2. These parameters are appended to the widget URL. 3. The widget launches directly at the Verification, quote confirmation or paym**ent** step, skipping redundant screens. #### Idealy for? 1. Partners who want tighter UX control while still using the hosted widget. 2. Scenarios where quotes or trade parameters are generated on your side. #### Advantages 1. Smoother user flow (fewer steps). 2. Easy to embed dynamic user inputs. 3. Still minimal maintenance — Vortex handles backend logic and compliance. #### How to Integrate? To integrate the Vortex Finance widget, append your desired configuration as query parameters to the Base URL. Base URL: ``` https://www.vortexfinance.co/en/widget ``` **Contructing the URL** 1. Start with the Base URL. 2. Add a question mark (`?`) to begin the query string. 3. Define your parameters using `key=value` pairs. 4. Separate multiple parameters using an ampersand (`&`). **Parameters** | **Parameter** | **Description** | **Example Values** | | --------------- | -------------------------------- | ---------------------------- | | `rampType` | The direction of the transaction | `BUY`, `SELL` | | `cryptoLocked` | The specific cryptocurrency | `USDT`, `ETH`, `BTC` | | `fiat` | The currency used for payment | `EUR`, `USD`, `GBP` | | `inputAmount` | The numerical amount to trade | `50`, `100` | | `network` | The blockchain network | `polygon`, `ethereum`, `bsc` | | `paymentMethod` | Supported payment methods | `CBU`, `SEPA`, `PIX` | **Example URL** 1. If you want to set up a widget for a user to sell 50 USDT on the Polygon network for EUR, your URL would look like this: {% code overflow="wrap" %} ``` https://www.vortexfinance.co/en/widget?rampType=SELL&cryptoLocked=USDT&fiat=EUR&inputAmount=50&network=polygon ``` {% endcode %}
UI Integration (iFrame / Embedded Widget) - Coming soon This is the deepest integration option. The full widget interface is embedded directly inside your app or web page using an **iFrame**, allowing the user to complete buy and sell transactions **without leaving your platform**. #### How it works? 1. You embed the widget URL inside an iFrame container on your front end. 2. The user interacts with the widget UI as if it’s part of your app. 3. All backend actions (KYC, quote, settlement, etc.) remain fully handled by Vortex. #### Idealy for? 1. Apps wanting a **native in-app experience** with complete UX continuity. 2. Partners with active user sessions or account systems that prefer not to redirect externally. #### Advantages 1. Fully contained UX (no context switch). 2. Secure and compliant — Vortex handles all flows.
# Reporting After the partner is onboarded, we will share monthly stats with them which would include * Transaction volume * Success rate * Asset-wise breakdown * Fee and revenue summary * Preferred network by users * Average amount of ramps # FAQ 1. **Do I need an API key to use the widget?** * No, widget partners use a **Partner ID** instead of an API key. This ID is assigned once the partnership is confirmed. 2. **Can we change our markup percentage later?** * Yes. Any change to your markup can be done upon request and will apply prospectively to all subsequent transactions after confirmation. 3. **Is there a minimum volume requirement?** * There’s no fixed minimum, but consistent traffic or embedded placement is recommended for reliable revenue performance. 4. **Can I customise the widget theme?** * No, As now there is fixed theme but we will work on this future if there is enough demand for it 5. **Who performs KYC/AML checks?** * All user identity verification and compliance checks are handled directly within the Vortex Widget via regulated partners. 6. **What happens if the service is down or under maintenance?** * You’ll be notified of planned maintenance periods in advance and also Vortex widget shows up a banner for the same 7. **How is attribution handled?** * Attribution is fully based on your **Partner ID**. Any transaction initiated from your link or embedded widget is tracked automatically under your partner profile. # Introduction The Vortex API handles Crypto Fiat Ramps, provides a fully programmatic way to quote, execute, and track transactions while handling all compliance and settlement logic behind the scenes. This API is designed for OTC traders, PSPs #### API capabilities 1. **Real-Time Quotes:** Fetch and display dynamic buy/sell prices for supported assets and currencies. 2. **Webhook Support:** Receive instant updates on transaction and verification status. 3. **Multi-Network Support:** Works across major chains such as Base, Polygon, BSC, and more. 4. **Compliance Built-In:** All regulatory requirements (KYC, AML, settlement flows) are managed by Vortex and its licensed partners. # Quick onboarding #### Follow the checklist for onboarding 1. Fill the [onboarding form](https://docs.google.com/forms/d/e/1FAIpQLSeQBLRCsqEdiVAn3THat5uf_Mm_f4Au-9LXx1S8bDklwv3auQ/viewform?usp=header) - Required to gather details about your company and intended use case 2. Chat with us or schedule a short [call](https://calendar.app.google/17H2MJscHuAtYRYz8) with us to discuss commercial terms and fee structure 3. Finalise and sign agreement 4. We share API playground with you 5. Go live # FAQ 1. **Can I KYC/KYB users via API?** * For Brazil, yes: create/\_retry KYC, check status, and manage limits via the **Account Management → Brazil** endpoints. 2. **How do I track ramp progress?** * Poll `GET /v1/ramp/{id}` to retrieve the latest phase and any artifacts (e.g., `depositQrCode`/`brCode`). A “Webhooks” section is listed in the docs; if you need to push notifications today, keep polling. 3. **Do i need an API key to access the API endpoints?** * **No.** The current public endpoints don’t require an API key or `Authorization` header. Requests use standard headers (e.g., `Content-Type: application/json`) and, where applicable, include a `partnerId` in the body (e.g., `POST /v1/quotes`). 4. **Who pays network fees?** * Network fees (blockchain gas or transaction fees) are not included in the API service fee and are borne by either the end user or the partner, depending on your implementation. 5. **Does Vortex or SatoshiPay perform KYC?** * Yes, regulated partners integrated within the Vortex network handle all end-user verification within the API flow. However, you must ensure your platform complies with local onboarding requirements. 6. **Can I use the API for custodial or exchange services?** * No. The API does not provide custody, escrow, or payment service functionality. It only facilitates fiat↔crypto exchange through licensed third-party providers.