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Atomic Money ramps are how a Sumvin user moves between fiat and crypto, and how they link a bank account, without you handling KYC re-collection, card rails, or bank connectivity.

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Why this exists

Building ramp and bank-linking flows from scratch means a separate KYC review per provider, per-region payment rail integrations, and ongoing institution coverage. The ramp surface consolidates those into one place. You call the Sumvin Platform API — ramp sessions, linked accounts, institution discovery — and the user stays inside a single hosted widget for every payment and bank-connect flow. Ramps are powered by our ramp partner, Meld.

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What’s available today

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How it composes

  • One identity envelope — the user verifies once with Sumvin. Every ramp flow inherits that state, so the widget does not re-collect KYC.
  • One account surface — bank accounts linked through the ramp surface appear on /v0/accounts alongside any other linked accounts. You read balance, status, and transactions from the same endpoints regardless of provider.
  • One ramp endpoint family — buy, sell, and off-ramp all run through /v0/ramp/quotes and /v0/ramp/sessions. You always send from_asset, to_asset, and chain_id; direction is inferred from which side is fiat. See the on-ramp quickstart.
  • Asynchronous settlement — bank linking and ramp settlement are asynchronous. Poll /v0/accounts or /v0/ramp/transactions for the terminal state.

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Where to start