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Onmeta

An embeddable fiat on-ramp and off-ramp widget for Web3 apps, orchestrating five payment providers and multi-provider KYC for instant crypto trades in India and the Philippines.

83Weeks operated
3k+Hours of work
1Engineers

The brief

Build and maintain a fiat on-ramp/off-ramp solution for India and the Philippines supporting local payment methods (UPI, IMPS, Instapay) and instant crypto transactions, delivered as an embeddable widget/SDK for third-party Web3 wallets and DeFi applications.

What we built

A production-grade fiat on-ramp and off-ramp platform (Onmeta) delivered across two widget versions (v1/v2) as an embeddable React SDK. The system integrates five payment providers (Wind, Blueswap, Instapay, BulkPe, DBS), three KYC providers (Hyperverge, Decentro, Digio), ten-plus crypto wallets (Okto, Phantom, Solflare, Ledger, WalletConnect, Blade, Delta, CypherD, YUSE), and supports India (UPI/IMPS/bank) and Philippines (Instapay) payment rails. A payment orchestrator routes transactions with AML checks, provider failover, and per-provider runtime config. An advanced KYC pipeline handles Aadhaar, PAN, Passport (with Mistral AI OCR + Digilocker), multi-tab sync via Pusher, and session persistence in Supabase. A coupon/promotions engine, analytics dashboard, Mixpanel funnel tracking, Prometheus metrics, distributed x-request-id tracing, DBS encryption, and a compliance audit trail complete the platform. A separate Opinion Club prediction market dApp (on-chain buy/sell via Wagmi/Ethers + Firebase social layer) was also delivered. A fiat wallet product was in design phase at offboarding.

⊛ Live in production

Production widget (v1 and v2) live with multi-provider payment orchestration, full KYC pipeline (Aadhaar/PAN/Passport), coupon engine, 10+ wallet integrations, Mixpanel analytics, Prometheus/audit observability stack, and Philippines Instapay support. Opinion Club prediction market app deployed on Vercel. Fiat wallet in design stage only.

How it was built, phase by phase.

8 workstreams across 83 weeks of operated delivery

  1. (001)BUILD

    Fiat On-Ramp & Off-Ramp Widget (v1 & v2)

    Core embeddable widget enabling users to buy/sell crypto with local fiat payment methods (UPI, IMPS, bank transfer) for India and Philippines markets.

    ✓ Production-grade embeddable fiat ramp widget supporting multiple payment providers, wallets, and geographies

    React JsNext.jsVercelMixpanelPusherWagmi
  2. (002)INTEGRATE

    Third-Party Wallet & SDK Integration

    Embeddable SDK and wallet connect layer supporting Okto, CypherD, Delta (iOS), YUSE, Blade, Solflare, Phantom, Ledger, and Solana wallets.

    ✓ Universal wallet connect layer embedded via SDK, enabling partner apps to plug in fiat ramp without wallet-specific code

    OktoWalletConnectWagmiEthers.jsPhantomSolflare
  3. (003)BUILD

    Analytics Dashboard & Observability

    Internal analytics dashboard tracking on-ramp/off-ramp order statuses, client filters, delta orders, and memory-optimised APIs.

    ✓ Full observability stack from user funnel analytics to backend API tracing and infrastructure metrics

    MixpanelPrometheusReact JsNext.js
  4. (004)BUILD

    Coupon & Promotions Engine

    Discount/coupon system for both v1 and v2 widget flows including skip-quote flow, PHP (Philippines) orders, and created-order states. Required syncing coupon state across two versions and payment flows.

    ✓ Unified coupon engine working across v1/v2, India/Philippines, and standard/skip-quote order flows

    React JsNext.js
  5. (005)INTEGRATE

    Philippines Market & Instapay Integration

    Localised payment flow for the Philippines using Instapay rails. Includes PHP-specific off-ramp events, bank addition for PHP accounts, coupon support on PHP orders, and payment method selection via SDK parameters.

    ✓ Live Philippines fiat ramp via Instapay with full on/off-ramp events and coupon support

    InstapayReact JsGolang
  6. (006)INTEGRATE

    KYC / Identity Verification Pipeline

    Multi-provider KYC system integrating Hyperverge, Decentro, and Digio for Aadhaar, PAN, Passport verification.

    ✓ Robust, multi-provider KYC pipeline covering Aadhaar, PAN, Passport with cross-device/tab synchronisation and compliance audit trails

    HypervergeDecentroDigioSupabasePusherFirebase
  7. (007)INTEGRATE

    Multi-Provider Payment Orchestration

    Orchestrator layer routing fiat payments across Wind, Blueswap, Instapay, BulkPe, and DBS. Handles provider-based config, quotation API, webhook schemas, AML checks, UPI/IMPS fallback logic, and chain-ID-aware routing.

    ✓ Resilient payment layer with automatic provider failover, AML screening, and per-provider configuration at runtime

    WindBlueswapInstapayBulkPeDBSGolang
  8. (008)BUILD

    Passport KYC & OCR Verification

    New KYC document type: passport verification using Mistral AI OCR, Digilocker file-number validation, selfie liveness check, and a dedicated passport audit table.

    ✓ Full passport verification path as an alternative KYC document for users without Aadhaar/PAN linkage

    Mistral AIDigilockerSupabasePrometheusReact JsGolang

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