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There are two ways to add On-Ramp (fiat → crypto) and Off-Ramp (crypto → fiat) to your platform. Both run on the same underlying service and support the same countries and payment methods — they differ in how much of the user experience you build yourself.

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The two paths

API integration

Call the REST API directly and build your own UI. Maximum control over the experience.

Widget integration

Embed Ripio’s pre-built, themeable UI. Fastest way to ship.

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Which one should you use?

FeatureAPI integrationWidget integration
Integration typeDirect API calls, backend-to-backend primarilyEmbeddable UI, frontend integration
User experienceFully customizable by the partnerPre-built UI, themeable via CSS
Development effortHigher — you build the UI and handle API logicLower — mainly token generation and URL redirection
ControlGranular control over each stepStreamlined flow managed by the widget
Use caseDeep, custom financial integrationsA quick, easy way to add on/off-ramp
AuthenticationOAuth2 Client Credentials for API accessJWT token generated via API for the widget session
Choose the API if you want to own the end-to-end experience and embed the flows natively in your product. Choose the Widget if you want to go live quickly with minimal development.

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Next steps

Once you’ve decided: Either way, check Countries & payment methods for what’s available in your market.