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Fiat to Stablecoin (Onramp)

Brale makes it easy for you and your customers to convert USD into stablecoins via wire transfer or ACH.

There are two ways to onramp to stablecoins through the Brale API:

  • Submit a Transfer request with a source value_type of wire, ach_debit, or same_day_ach_debit
  • Create an Automation, which automatically mints stablecoins to a pre-configured destination wallet when funds are received (Automatic Onramp)

Businesses can also onramp directly via the Brale Dashboard, and individuals can onramp through Brale.io.

Fiat to Stablecoin via Wire​

Here is an example of onramping to your own stablecoin (YSBC) via wire transfer by calling the Transfers endpoint with the source transfer_type of wire.

POST
https://api.brale.xyz/accounts/account_id/transfers
Request
{
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "value_type": "USD",
    "transfer_type": "wire"
  },
  "destination": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "YSBC",
    "transfer_type": "solana"
  }
}
Response
{
  "id": "transfer_123",
  "status": "pending",
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "transfer_type": "wire",
    "value_type": "USD"
  },
  "destination": {
    "transfer_type": "polygon",
    "value_type": "YSBC",
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4"
  },
  "wire_instructions": {
    // ...Brale bank details
  }
}

Initially, the status of the transfer will be pending. Once Brale receives the funds at the bank account provided in source_deposit_instructions the stablecoins will immediately be minted to the destination wallet.

Fiat to Stablecoin via ACH Debit​

You can initiate ACH debits (same day or standard) from Plaid-linked addresses. See Addresses for the full flow of linking Plaid accounts as addresses you can pull from.

POST
https://api.brale.xyz/accounts/account_id/transfers
Request
{
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "USD",
    "transfer_type": "ach_debit"
  },
  "destination": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "SBC",
    "transfer_type": "canton"
  }
}
Response
{
  "id": "transfer_123",
  "status": "pending",
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "USD"
    "transfer_type": "ach_debit",
  },
  "destination": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4"
    "value_type": "SBC"
    "transfer_type": "canton"
  }
}

Fetching Transfers​

Query a transfer that has been created.

GET
https://api.brale.xyz/accounts/account_id/transfers/:id
Response
{
  "status": "pending",
  "amount": {
    "value": "1",
    "currency": "USD"
  },
  "created_at": "2025-02-05T19:39:14.316Z",
  "updated_at": "2025-02-05T19:39:14.316Z",
  "source": {
    "value_type": "usd",
    "transfer_type": "wire"
  },
  "destination": {
    "address_id": "2VcUIonJeVQzFoBuC7LdFT0dRe4",
    "value_type": "ysbc",
    "transfer_type": "polygon"
  }
}

Fiat to Stablecoin Automation (Automatic Onramp)​

Automations provide a unique account number and routing number that accepts wire transfers and ACH deposits, and automatically mints stablecoins to a pre-defined wallet address. Businesses can use automations to direct unique pre-funding coordinates to their customers, which mint stablecoins in customers' wallets.

Here is an example of onramping to your own stablecoin (SBC) via wire transfer by creating a fiat-to-stablecoin automation.

POST
https://api.brale.xyz/accounts/account_id/automations
Request
{
  "name": "XYZ Onramp",
  "source": {
    "value_type": "USD"
  },
  "destination": {
    "address_id": "2MhCCIHulVdXrHiEuQDJvnKbSkl",
    "value_type": "SBC",
    "transfer_type": "Solana"
  }
}

Automations are opened in a pending state and automatically transition into processing. Once virtual accounts are created and the automation is ready to use, it will transition to a completed status.

When an automation becomes active, the source.funding_instructions object is populated with the virtual account’s bank details (routing number, account number, beneficiary name, etc.). These are the coordinates you share with your customer to fund the automation.

GET
https://api.brale.xyz/accounts/{account_id}/automations/{automation_id}
Response
{
  "id": "35kVg1llbsOBYvx9XKr9eOtsD9z",
  "name": "Customer XYZ Automation",
  "status": "active",
  "source": {
    "transfer_type": null,
    "value_type": "USD",
    "funding_instructions": {
      "bank_address": "123 Example St, Example City, NY 10001",
      "beneficiary_address": "25 Main Ave, Suite 100, Example City, IA 50000",
      "beneficiary_name": "Company ABC",
      "routing_number": "000111222",
      "account_number": "000123456789",
      "bank_name": "Example Bank",
      "memo": null
    }
  },
  "destination": {
    "transfer_type": "solana",
    "address_id": "35LWXNTO2jem13nXCLyciFdi162",
    "value_type": "ARB"
  },
  "updated_at": "2025-11-20T15:56:05.017508Z",
  "created_at": "2025-11-20T15:56:03.531196Z"
}

Brale.io (Beta)​

Brale.io is a hosted onramp you can direct your users to in order to acquire stablecoins you have created. Users can acquire your stablecoin via:

  • USDC
  • ACH (coming soon)

All KYC requirements are performed by Brale.io directly.

To get access to Brale.io, please reach out to our team at support@brale.xyz.