# Crypto

> Accept stablecoin payments, pay out in crypto, and offer a fiat-to-crypto onramp.

VINR's crypto platform goes beyond accepting stablecoin at checkout — it includes stablecoin-denominated disbursements and an embeddable fiat-to-crypto onramp for your users.

> For adding stablecoins as a checkout payment method (customer pays USDC, merchant receives fiat), see [Payment methods → Stablecoins](/docs/payments/payment-methods/add-payment-methods/stablecoins). This page covers the broader crypto platform: disbursements and the onramp.

## Stablecoin payment acceptance

Customers pay in USDC, USDT, or other supported stablecoins. VINR converts to fiat and settles to your VINR balance as normal. You receive fiat — no price volatility risk, no crypto custody obligation on your end.

| Supported chain | Settlement speed            |
| --------------- | --------------------------- |
| Ethereum        | T+0 to T+1 after conversion |
| Solana          | T+0 to T+1 after conversion |
| Polygon         | T+0 to T+1 after conversion |

## Stablecoin payouts

Platforms can disburse to connected accounts or end users in stablecoin instead of fiat. Funds arrive in the recipient's wallet denominated in USDC or USDT, depending on your configuration.

Common use cases:

- Gig economy workers who prefer USDC for cross-border portability
- International payouts where fiat corridors are slow or expensive
- Platform incentive programs denominated in stablecoin

> Stablecoin payouts are currently in private preview. Contact your VINR account team to request access before building against this API.

```typescript
import { Vinr } from '@vinr/sdk'

const vinr = new Vinr({ apiKey: process.env.VINR_SECRET_KEY })

const payout = await vinr.payouts.create({
  amount: 5000, // in cents
  currency: 'usdc',
  destination: {
    type: 'crypto_wallet',
    address: '0xRecipientAddress',
    chain: 'ethereum',
  },
})
```

## Fiat-to-crypto onramp

An embeddable widget that lets users convert fiat (card or bank) to crypto within your app. The converted funds go directly to the user's nominated wallet — your platform never touches the crypto.

Available as two integration modes:

| Mode            | Description                                                          |
| --------------- | -------------------------------------------------------------------- |
| Hosted redirect | Send the user to a VINR-hosted onramp URL; no frontend code required |
| Embeddable SDK  | Web, iOS, and Android drop-in component rendered inside your app     |

```typescript
import { Vinr } from '@vinr/sdk'

const vinr = new Vinr({ apiKey: process.env.VINR_SECRET_KEY })

const session = await vinr.onramp.sessions.create({
  destination_currency: 'usdc',
  destination_network: 'solana',
  wallet_address: userWalletAddress,
  return_url: 'https://yourapp.com/onramp/complete',
})

// Redirect or embed: session.url
```

## Compliance

> Crypto features are subject to regulatory availability by country. VINR conducts KYC/AML checks on onramp transactions automatically, but availability in a given market depends on local licensing. Check with your VINR account team before enabling crypto features in a new geography.