> ## Documentation Index
> Fetch the complete documentation index at: https://docs.noxpay.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Onramp to Global Account

> Customer pays via PIX and the converted crypto is credited to your Noxpay balance.

<Note>
  This flow requires the **Infrastructure** product to be enabled on your account.
</Note>

## When to use this

Use Onramp when you want to accept BRL from a customer and receive the equivalent crypto into your Noxpay balance — for example, to credit a user's internal balance on your platform, fund trading operations, or accumulate stablecoin for later use.

The converted crypto is credited internally. No blockchain transaction occurs.

## The full flow

```
Quote → Pre-KYC → PIX Payment → Identity Verification → Conversion → Success
```

<Steps>
  <Step title="Quote">
    A rate is calculated for the requested BRL → crypto conversion. The quote locks in the BRL amount, the crypto amount, the fees, and the exchange rate. The rate is valid for **10 minutes**. If the customer does not pay within the window, the quote expires and a new one is generated.
  </Step>

  <Step title="Pre-KYC">
    The customer enters their CPF (individual) or CNPJ (business). The document is validated for format before proceeding. This step can be skipped if you pre-fill the document when creating the transaction via API.
  </Step>

  <Step title="PIX payment">
    A PIX QR code is generated for the quoted BRL amount. The customer pays from their banking app.
  </Step>

  <Step title="Identity verification + titularity check">
    After the PIX is received, the customer's document is verified against a Brazilian identity database. Noxpay also confirms that the CPF of the PIX sender matches the document provided at Pre-KYC. If they differ, the transaction moves to `UNCOMPLIANT` and is held for review.
  </Step>

  <Step title="Conversion">
    Noxpay converts the received BRL to the target cryptocurrency at the locked quote rate.
  </Step>

  <Step title="Success">
    The converted crypto is credited to your **available balance**. A webhook is sent with the credited amount and the exchange rate used.
  </Step>
</Steps>

## Transaction states

| State         | What it means                                                                |
| ------------- | ---------------------------------------------------------------------------- |
| `Created`     | Quote generated, awaiting customer action                                    |
| `Pending`     | Identity verification in progress                                            |
| `Processing`  | Conversion in progress                                                       |
| `Success`     | Crypto credited to your available balance                                    |
| `Expired`     | Customer did not pay within the quote window                                 |
| `Failed`      | System error                                                                 |
| `Cancelled`   | Identity verification failed or document was invalid                         |
| `UNCOMPLIANT` | PIX sender CPF does not match the pre-KYC document — payment held for review |

## Compliance limits

* **Daily limit per payee:** R\$ 50,000 across all ramp variants. Transactions that would breach this are rejected at initiation.
* **Monthly KYC tier:** Payees who exceed R\$ 50,000 cumulative monthly volume require enhanced financial documentation before the next transaction is processed. See [How it works](/noxpay-docs-v2/core-products/ramps/how-it-works) for the full tier structure.

## Fees

* Noxpay fee — percentage, deducted from crypto received
* Merchant fee — optional markup, configurable per Template
* No network fee — settlement is to your internal balance, not on-chain

## Dashboard

Onramp transactions appear in **Noxpay Infra → Onramps**. Completed transactions also appear as credit entries in **Account → Statement**.