> ## 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 External Address

> Customer pays via PIX and the converted crypto is delivered on-chain to an external wallet.

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

## When to use this

Use Onramp Instant when you want to convert BRL to crypto and deliver it directly to a customer's external wallet address — bypassing your Noxpay balance entirely. The converted crypto goes straight on-chain to the address specified at transaction creation.

This is the right flow when your users hold their own wallets and expect to receive crypto there, rather than in an account balance on your platform.

## The full flow

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

<Steps>
  <Step title="Quote">
    A rate is calculated for the BRL → crypto conversion. The quote locks in the BRL amount, the crypto amount (net of fees, including network fee), the exchange rate, and the destination wallet address. The rate is valid for **10 minutes**.
  </Step>

  <Step title="Pre-KYC">
    The customer enters their CPF or CNPJ. Format is validated 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 Pre-KYC document. 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="On-chain transfer">
    Noxpay broadcasts a blockchain transaction to the wallet address specified at creation. The transaction enters `Processing` while waiting for on-chain confirmation.
  </Step>

  <Step title="Success">
    On-chain delivery is confirmed. The webhook payload includes the `txHash` of the blockchain transaction.
  </Step>
</Steps>

## Partial Success

If conversion succeeds but the on-chain transfer fails — for example because the wallet address is invalid or there is a network issue at final confirmation — the transaction settles to **Partial Success**. The converted crypto is credited to your Noxpay balance instead of the external wallet. No BRL is refunded.

You retain the crypto and can withdraw it manually or handle it through your own reconciliation process.

<Warning>
  Always validate wallet addresses on your side before creating a transaction. Crypto sent to an incorrect address cannot be recovered, and a failed on-chain delivery results in Partial Success, not a refund.
</Warning>

## Whitelisted vs one-time addresses

**Whitelisted address** — a pre-approved wallet registered on your Noxpay account. Use when the destination is fixed or controlled by your platform.

**One-time address** — an arbitrary wallet submitted at transaction creation. Use when each user has their own external wallet that changes per transaction. Noxpay performs a basic format check but does not validate ownership.

## Transaction states

| State             | What it means                                                                       |
| ----------------- | ----------------------------------------------------------------------------------- |
| `Created`         | Quote generated, awaiting customer action                                           |
| `Pending`         | Identity verification in progress                                                   |
| `Processing`      | Conversion complete, on-chain transfer in progress                                  |
| `Success`         | Crypto confirmed on-chain at the destination wallet                                 |
| `Partial Success` | Conversion succeeded but on-chain delivery failed — crypto credited to your 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. 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
* Network fee — blockchain transaction cost, charged at quote time and included in the amount shown to the customer

## Dashboard

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