Other · Fiat Ramp Widget SDK
Onmeta
Embeddable fiat on-ramp/off-ramp widget platform with multi-provider payment orchestration, multi-provider KYC pipeline,.
The brief
Build and maintain a fiat on-ramp/off-ramp solution for India and the Philippines supporting local payment methods (UPI, IMPS, Instapay) and instant crypto transactions, delivered as an embeddable widget/SDK for third-party Web3 wallets and DeFi applications.
What we built
A production-grade fiat on-ramp and off-ramp platform (Onmeta) delivered across two widget versions (v1/v2) as an embeddable React SDK. The system integrates five payment providers (Wind, Blueswap, Instapay, BulkPe, DBS), three KYC providers (Hyperverge, Decentro, Digio), ten-plus crypto wallets (Okto, Phantom, Solflare, Ledger, WalletConnect, Blade, Delta, CypherD, YUSE), and supports India (UPI/IMPS/bank) and Philippines (Instapay) payment rails. A payment orchestrator routes transactions with AML checks, provider failover, and per-provider runtime config. An advanced KYC pipeline handles Aadhaar, PAN, Passport (with Mistral AI OCR + Digilocker), multi-tab sync via Pusher, and session persistence in Supabase. A coupon/promotions engine, analytics dashboard, Mixpanel funnel tracking, Prometheus metrics, distributed x-request-id tracing, DBS encryption, and a compliance audit trail complete the platform. A separate Opinion Club prediction market dApp (on-chain buy/sell via Wagmi/Ethers + Firebase social layer) was also delivered. A fiat wallet product was in design phase at offboarding.
Production widget (v1 and v2) live with multi-provider payment orchestration, full KYC pipeline (Aadhaar/PAN/Passport), coupon engine, 10+ wallet integrations, Mixpanel analytics, Prometheus/audit observability stack, and Philippines Instapay support. Opinion Club prediction market app deployed on Vercel. Fiat wallet in design stage only.
Delivery timeline
How it was built, phase by phase.
8 workstreams across 83 weeks of operated delivery.
- buildMar 2023 – Jun 2025
Fiat On-Ramp & Off-Ramp Widget (v1 & v2)
Core embeddable widget enabling users to buy/sell crypto with local fiat payment methods (UPI, IMPS, bank transfer) for India and Philippines markets.
Production-grade embeddable fiat ramp widget supporting multiple payment providers, wallets, and geographies
React JsNext.jsVercelMixpanelPusherWagmi - integrateDec 2023 – Mar 2025
Third-Party Wallet & SDK Integration
Embeddable SDK and wallet connect layer supporting Okto, CypherD, Delta (iOS), YUSE, Blade, Solflare, Phantom, Ledger, and Solana wallets.
Universal wallet connect layer embedded via SDK, enabling partner apps to plug in fiat ramp without wallet-specific code
OktoWalletConnectWagmiEthers.jsPhantomSolflare - buildDec 2023 – Apr 2025
Analytics Dashboard & Observability
Internal analytics dashboard tracking on-ramp/off-ramp order statuses, client filters, delta orders, and memory-optimised APIs.
Full observability stack from user funnel analytics to backend API tracing and infrastructure metrics
MixpanelPrometheusReact JsNext.js - buildDec 2023 – Jul 2024
Coupon & Promotions Engine
Discount/coupon system for both v1 and v2 widget flows including skip-quote flow, PHP (Philippines) orders, and created-order states. Required syncing coupon state across two versions and payment flows.
Unified coupon engine working across v1/v2, India/Philippines, and standard/skip-quote order flows
React JsNext.js - integrateDec 2023 – Jun 2024
Philippines Market & Instapay Integration
Localised payment flow for the Philippines using Instapay rails. Includes PHP-specific off-ramp events, bank addition for PHP accounts, coupon support on PHP orders, and payment method selection via SDK parameters.
Live Philippines fiat ramp via Instapay with full on/off-ramp events and coupon support
InstapayReact JsGolang - integrateFeb 2024 – Jun 2025
KYC / Identity Verification Pipeline
Multi-provider KYC system integrating Hyperverge, Decentro, and Digio for Aadhaar, PAN, Passport verification.
Robust, multi-provider KYC pipeline covering Aadhaar, PAN, Passport with cross-device/tab synchronisation and compliance audit trails
HypervergeDecentroDigioSupabasePusherFirebase - integrateApr 2024 – Jun 2025
Multi-Provider Payment Orchestration
Orchestrator layer routing fiat payments across Wind, Blueswap, Instapay, BulkPe, and DBS. Handles provider-based config, quotation API, webhook schemas, AML checks, UPI/IMPS fallback logic, and chain-ID-aware routing.
Resilient payment layer with automatic provider failover, AML screening, and per-provider configuration at runtime
WindBlueswapInstapayBulkPeDBSGolang - buildMar 2025 – Apr 2025
Passport KYC & OCR Verification
New KYC document type: passport verification using Mistral AI OCR, Digilocker file-number validation, selfie liveness check, and a dedicated passport audit table.
Full passport verification path as an alternative KYC document for users without Aadhaar/PAN linkage
Mistral AIDigilockerSupabasePrometheusReact JsGolang
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