---
title: "Initiate an onramp transaction"
method: POST
path: "/v1/users/{user_id}/fiat/onramp"
tags: ["Fiat"]
---

# Initiate an onramp transaction

`POST /v1/users/{user_id}/fiat/onramp`

## Request

- Base URL: `https://api.privy.io`
- URL: `https://api.privy.io/v1/users/{user_id}/fiat/onramp`
- Auth: HTTP basic

Triggers an onramp to the specified recipient blockchain address, returns the bank deposit instructions

## Path parameters

- `user_id` string, required: The ID of the user initiating the onramp

## Headers

- `privy-app-id` string, required: ID of your Privy app.

## Request body

- object
  - `amount` string, required
  - `provider` 'bridge' | 'bridge-sandbox', required: Valid set of onramp providers
  - `source` object, required
    - `payment_rail` 'sepa' | 'ach_push' | 'wire' | 'fednow' | 'faster_payments', required: Supported fiat payment rails.
    - `currency` 'usd' | 'eur', required: Supported fiat currencies.
  - `destination` object, required
    - `chain` 'ethereum' | 'base' | 'arbitrum' | 'polygon' | 'optimism', required: Supported blockchain chains for onramp and offramp.
    - `currency` 'usdc', required: Supported crypto assets for onramp and offramp.
    - `to_address` string, required

## Response `200`

Bank deposit instructions for the onramp

- object: Response for an onramp transfer initiation.
  - `id` string, required
  - `status` 'awaiting_funds' | 'in_review' | 'funds_received' | 'payment_submitted' | 'payment_processed' | 'canceled' | 'error' | 'undeliverable' | 'returned' | 'refunded', required: Status of an onramp or offramp transfer.
  - `deposit_instructions` OnrampDepositInstructions, required: Bank deposit instructions for an onramp transfer.
    - `amount` string, required
    - `currency` 'usd' | 'eur', required: Supported fiat currencies.
    - `payment_rail` 'sepa' | 'ach_push' | 'wire' | 'fednow' | 'faster_payments', required: Supported fiat payment rails.
    - `deposit_message` string
    - `bank_name` string
    - `bank_account_number` string
    - `bank_routing_number` string
    - `bank_beneficiary_name` string
    - `bank_beneficiary_address` string
    - `bank_address` string
    - `iban` string
    - `bic` string
    - `account_holder_name` string

## Changes

- **2026-10-16** `4facbfa7f9d4`: 2 warning, 2 info
  - added the new `faster_payments` enum value to the `allOf[subschema #1: OnrampResponse]/deposit_instructions/payment_rail` response property for the response status `200`
  - added the new `fednow` enum value to the `allOf[subschema #1: OnrampResponse]/deposit_instructions/payment_rail` response property for the response status `200`
  - added the new `faster_payments` enum value to the request property `source/payment_rail`
  - added the new `fednow` enum value to the request property `source/payment_rail`

[Operation history](https://skmtc.dev/privy-io/apis/privy-api/changes/v1/users/:user_id/fiat/onramp/post.md)

---

[API](https://skmtc.dev/privy-io/apis/privy-api.md) - [All operations](https://skmtc.dev/privy-io/apis/privy-api/llms.txt) - [OpenAPI document](https://skmtc.dev/privy-io/apis/privy-api/revisions/6a80d4be53a8?raw)