***

title: Transak Stream - On Ramp
slug: products/transak-stream-on-ramp
subtitle: Turn fiat into crypto automatically with virtual bank accounts
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## Overview

Transak Stream – On-Ramp makes it easy to turn **fiat money into crypto automatically.** When funds are sent to a virtual bank account, Transak converts them into crypto and delivers the assets directly to a predefined wallet—no user action needed at the time.

Transak handles everything behind the scenes: providing local virtual bank accounts, tracking incoming payments, converting funds to crypto, and offering simple APIs so partners can easily manage transactions and reconciliation.

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  <div>
    **Ideal for** — Payroll platforms, fintech companies, and wallets that want a seamless **fiat in → crypto out** experience running in the background, instead of a one-time checkout flow.
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## Key Characteristics & Features

<table>
  <tbody>
    <tr>
      <td>
        <div>
          <Icon icon="fa-light fa-building-columns" size="6" color="#1461db" />

          <strong>
            Virtual bank accounts per user
          </strong>
        </div>

        Create named VBAs in supported fiat currencies (EUR, GBP, USD, INR, etc). Each VBA is linked to a specific wallet address, crypto asset, and network to define how incoming fiat should be converted.
      </td>
    </tr>

    <tr>
      <td>
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          <Icon icon="fa-light fa-bolt" size="6" color="#1461db" />

          <strong>
            Automatic on-ramp order creation
          </strong>
        </div>

        When fiat is received into a VBA, Transak automatically creates an on-ramp order, generates a quote, reserves the wallet, and dispatches crypto to the configured wallet.
      </td>
    </tr>

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      <td>
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          <Icon icon="fa-light fa-shield-halved" size="6" color="#1461db" />

          <strong>
            Risk, compliance, and limits
          </strong>
        </div>

        Standard KYC is required for end users. Stream On-Ramp is explicitly scoped to bank transfers and excludes direct B2C app flows.
      </td>
    </tr>
  </tbody>
</table>

## How the flow works

<Steps>
  <Step title="User and partner setup">
    The partner ensures the user is authenticated and verified. This includes user authentication and completion of required KYC checks, either directly through Transak or via supported reliance mechanisms.
  </Step>

  <Step title="Create a virtual bank account">
    Partner can create a Virtual Bank Account (VBA) that is assigned to the user and mapped to a predefined crypto destination, including the wallet address, asset, and network.
  </Step>

  <Step title="Partner/User sends fiat to the VBA">
    The Partner/User needs to send fiat to the assigned **Virtual bank account** using a standard bank transfer method supported in their region (SEPA, Faster Payments, ACH, wire, IMPS, etc).
  </Step>

  <Step title="User receives crypto in wallet address">
    Once the payment is received and confirmed, Transak automatically converts the fiat amount into the configured crypto asset and sends it to the mapped wallet address.
  </Step>
</Steps>

## What are the use cases?

<Steps>
  <Step title="Payroll to stablecoin">
    The user or partner provider wants payouts in stablecoins, but the entity and provider do not want to touch crypto or overhaul payroll systems.

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      <tbody>
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              <strong>
                Configure payout
              </strong>
            </div>

            User configures a crypto payout method (token, chain, wallet) once in the partner UI.
          </td>
        </tr>

        <tr>
          <td>
            <div>
              <Icon icon="fa-light fa-building-columns" size="6" color="#1461db" />

              <strong>
                Create VBA
              </strong>
            </div>

            Transak creates an employee-named VBA in local contract currency (EUR, GBP, USD, INR, etc) via Stream On-Ramp.
          </td>
        </tr>

        <tr>
          <td>
            <div>
              <Icon icon="fa-light fa-money-bill-transfer" size="6" color="#1461db" />

              <strong>
                Send salary
              </strong>
            </div>

            User sends salary to that VBA as usual. Transak auto-converts the configured portion to stablecoin (e.g., USDC on Base) and sends it on-chain to the user's wallet address created through Transak.
          </td>
        </tr>

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          <td>
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              <Icon icon="fa-light fa-bell" size="6" color="#1461db" />

              <strong>
                Track orders
              </strong>
            </div>

            Partner receives webhooks with status, tx hash, and reporting fields for order tracking.
          </td>
        </tr>
      </tbody>
    </table>
  </Step>

  <Step title="Recurring deposit-to-crypto for wallets/exchanges / DApps">
    <table>
      <tbody>
        <tr>
          <td>
            <div>
              <Icon icon="fa-light fa-wallet" size="6" color="#1461db" />

              <strong>
                Streamed deposits
              </strong>
            </div>

            Wallets or exchanges can offer "streamed deposits" where users receive regular bank transfers into a VBA.
          </td>
        </tr>

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              <Icon icon="fa-light fa-arrows-rotate" size="6" color="#1461db" />

              <strong>
                Automatic accumulation
              </strong>
            </div>

            Crypto automatically accumulates in the user's self-custodial or exchange wallet without having to initiate each purchase.
          </td>
        </tr>
      </tbody>
    </table>
  </Step>
</Steps>

## How to integrate?

<Steps>
  <Step title="Whitelist Your API Key & Enable Stream On-Ramp">
    | Action                                                                                                                 |
    | ---------------------------------------------------------------------------------------------------------------------- |
    | Follow the steps in the [Need help in Integration](/getting-started/help-and-support#need-help-in-integration) section |
    | Request **API key whitelisting** and ask to **enable Transak Stream – On-Ramp** for your API key                       |
    | Share your public IP addresses with Transak for whitelisting to use our APIs in your backend                           |
  </Step>

  <Step title="User Authentication">
    You can use either of the following authentication options:

    | Option               | Description                                                                                                                                                                                                                                                                                                                                                                    |
    | -------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
    | **White-label Auth** | Use the standard Transak authentication flow to generate a user access token. Partners can do this by calling the [Send User OTP API](/api/whitelabel/user/send-user-otp) followed by the [Verify User API](/api/whitelabel/user/verify-user-otp) to generate the access token.<br /><br /><Button href="/integration/api" intent="primary" outlined>Learn more</Button><br /> |
    | **Auth Reliance**    | Use [Auth Reliance](/features/auth-reliance) by passing these headers with every request: `x-user-identifier` and `x-access-token`                                                                                                                                                                                                                                             |

    <Frame>
      <div>
        Please refer to the tutorial on [how to create partner access token](/guides/how-to-create-partner-access-token).
      </div>
    </Frame>
  </Step>

  <Step title="User KYC">
    KYC is a mandatory step in compliance with regulatory requirements. Each user should be **Standard KYC Approved** before the creation of Virtual Bank Account. You can use either of the following KYC options:

    | Option                      | Description                                                                                                                                                               |
    | --------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
    | **White label KYC**         | Partners can collect the required KYC information on their end and then forward it to Transak for review and approval. Learn more: [Whitelabel KYC](/integration/api#kyc) |
    | **KYC Reliance via Sumsub** | Partners can share their KYC data from their platform with Transak using Sumsub. Learn more: [KYC Reliance Guide](/features/kyc-reliance-sumsub)                          |
  </Step>

  <Step title="Create a Virtual Bank Account (VBA)">
    Call the [Create VBA API](/api/stream-on-ramp/create-virtual-bank-account) to generate a virtual bank account that is linked to a crypto wallet.
  </Step>

  <Step title="Send Fiat Funds to the VBA">
    Use the virtual bank account details to send fiat payments. Incoming funds are automatically converted to crypto and sent to the linked wallet.
  </Step>
</Steps>

## Integration Options

Transak Stream – On-Ramp is an API-only product. Integrate via our backend APIs:

<CardGroup cols={2}>
  <Card title="Whitelabel API" icon="fa-light fa-plug" iconPosition="left" href="/integration/api">
    Integrate our APIs in your backend to build a fully custom UI and user journey.
  </Card>
</CardGroup>

## Supported Fiat Currencies

Virtual bank accounts can only be created for the following fiat currencies and supported payment methods:

| Fiat Currency                               | Payment Methods                  |
| ------------------------------------------- | -------------------------------- |
| <Badge intent="note" minimal>EUR</Badge>    | SEPA/SEPA Instant Bank Transfers |
| <Badge intent="success" minimal>GBP</Badge> | Faster Payments                  |
| <Badge intent="warning" minimal>INR</Badge> | IMPS, NEFT, RTGS                 |
| <Badge intent="neutral" minimal>USD</Badge> | Wire, ACH (Coming Soon)          |

## API Overview

<CardGroup cols={2}>
  <Card title="Create VBA" icon="fa-light fa-plus" iconPosition="left" href="/api/stream-on-ramp/create-virtual-bank-account">
    Creates a VBA that auto-converts fiat to crypto and sends to a predefined wallet.
  </Card>

  <Card title="Get VBA List" icon="fa-light fa-list" iconPosition="left" href="/api/stream-on-ramp/get-virtual-bank-account-list">
    Retrieves all partner VBAs with status and configuration.
  </Card>

  <Card title="Get VBA by ID" icon="fa-light fa-magnifying-glass" iconPosition="left" href="/api/stream-on-ramp/get-virtual-bank-account-by-id">
    Fetches details for a specific VBA by ID.
  </Card>

  <Card title="Update VBA" icon="fa-light fa-pen" iconPosition="left" href="/api/stream-on-ramp/update-virtual-bank-account">
    Updates wallet, network, and currency for an existing VBA.
  </Card>

  <Card title="Delete VBA" icon="fa-light fa-trash" iconPosition="left" href="/api/stream-on-ramp/delete-virtual-bank-account">
    Deactivates a VBA so it no longer accepts payments.
  </Card>

  <Card title="Add Remitter Account" icon="fa-light fa-plus" iconPosition="left" href="/api/stream-on-ramp/add-remitter-account">
    Creates a new remitter (INR) bank account for payouts. INR only.
  </Card>

  <Card title="Update Remitter Account" icon="fa-light fa-pen" iconPosition="left" href="/api/stream-on-ramp/update-remitter-account">
    Updates an existing remitter (INR) bank account. INR only.
  </Card>
</CardGroup>

<div>
  <div>
    Transak Stream - On-Ramp APIs are to be called only from the partner backend and subjected to the whitelisting of partner IP addresses. Direct API calls from the frontend apps are not supported.
  </div>
</div>