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Your users buy, sell and swap crypto through reusable quotes: you create a quote for a pair, which holds a rate for a short window, and then execute it for a specific end user and amount. For request and response details, follow the endpoint link in each step.

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Two kinds of trades

Both share the same setup.

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Common setup

1

Authenticate

Get an access token with the OAuth2 Client Credentials flow using your client_id and client_secret, and send it as a Bearer token on every subsequent call. Trading needs the read and write scopes.→ Get Access Token
2

Create the end user

Register each of your users with an external_ref: your own identifier for them. It must be unique within your account and can only contain letters, digits, _ and -.Every later call refers to the user by this external_ref — it is the end_user_id in paths and bodies.→ Create End User
3

Verify the user's identity

Submit the user’s KYC data. What happens next depends on your company — see Identity verification (KYC). An end user whose KYC is pending or rejected cannot trade: the execution answers 20030.
4

Pick a pair

List the pairs enabled for your account and pass the pair’s name (e.g. BTC_USD) when you create a quote. To show indicative prices before quoting, use the market rates.→ Get Account Pairs · Get Last Market Rates
Market rates are indicative and change with the amount. The only price you can execute at is the one held by a quote.

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Buy and sell

1

Create a reusable quote

Send the pair and an external_ref. The quote holds both a buy_rate and a sell_rate (fees included) and is valid for 30 seconds (expires_at). It is not tied to an end user or an amount, so you can execute it for several users while it is valid.→ Create Reusable Quote
2

Execute it for an end user

Send the end_user_id, the op_type (BUY or SELL), an external_ref for this trade, and exactly one of:
  • base_amount — the amount of crypto (e.g. buy 0.01 BTC), or
  • quote_amount — the amount of fiat (e.g. buy BTC for 100 USD).
Request
The response is the executed trade: rate, charged_fee, base_amount, quote_amount and the txn_id of the transaction it created.→ Execute Reusable Quote
Use a unique external_ref per trade. If a request times out, retrying with the same external_ref returns the trade that was already executed instead of creating a second one.

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Swap

1

Create a swap reusable quote

Send a swap pair (e.g. USDT_ETH) and an external_ref. The quote holds a swap_rate and is valid for 30 seconds.→ Create Swap Reusable Quote
2

Execute it for an end user

Send the end_user_id, an external_ref and the base_amount to swap. There is no op_type: the swap debits the base asset and credits the quote asset.→ Execute Swap Reusable Quote

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Following up

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Common errors

Limit errors (frequency, amount, minimums and maximums) and the full list are in Error handling.

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Testing in sandbox

Use the sandbox base URL (https://sandbox-b2b.ripio.com) with your sandbox credentials: the flow and the endpoints are the same as in production. To give an end user balance to sell or swap, fund them first — see Deposits & withdrawals or, for fiat, Banking as a Service.