> ## Documentation Index > Fetch the complete documentation index at: https://docs.zet.money/llms.txt > Use this file to discover all available pages before exploring further. # Initiate On-Ramp > Start an on-ramp transaction. Returns bank account details where the user should transfer NGN. **Flow:** 1. Call this endpoint with a valid `quoteId` 2. Display the `depositAccount` details to your user 3. User transfers the exact NGN `amount` via bank transfer 4. Zet detects the deposit, converts to crypto, and delivers to the wallet 5. You receive an `onramp.completed` webhook when done For **custodial** flow, provide `walletId`. For **non-custodial** flow, provide `destinationAddress`. ## OpenAPI ````yaml POST /onramp/initiate openapi: 3.1.0 info: title: Zet API description: > The Zet API enables businesses to integrate smart on/off ramp, token swap, and cross-chain transfer capabilities into their applications. Built on ERC-4337 smart accounts with gas-sponsored transactions, Zet handles the complexity of blockchain interactions so you can focus on your product. ## Base URL ``` https://api.zet.money/v1 ``` ## Authentication All requests must include your API key in the `x-api-key` header. Contact [zetdotmoney@gmail.com](mailto:zetdotmoney@gmail.com) to obtain your API keys. ## Rate Limits - **60 requests per minute** per API key (default) - Rate limit headers are included in every response - Contact us for higher limits version: 1.0.0 contact: name: Zet Support url: https://zet.money/support email: support@zet.money license: name: Proprietary servers: - url: https://api.zet.money/v1 description: Production - url: https://api-staging.zet.money/v1 description: Staging security: - apiKey: [] tags: - name: Wallets description: Create and manage smart wallets for your users - name: On-Ramp description: Buy crypto with Nigerian Naira (NGN) - name: Off-Ramp description: Sell crypto for Nigerian Naira (NGN) - name: Swap description: Swap tokens on the same chain or across chains - name: Cross-Chain Transfer description: Transfer tokens across different blockchains - name: Webhooks description: Register webhook URLs to receive async event notifications - name: Transactions description: Query transaction history and details paths: /onramp/initiate: post: tags: - On-Ramp summary: Initiate on-ramp description: > Start an on-ramp transaction. Returns bank account details where the user should transfer NGN. **Flow:** 1. Call this endpoint with a valid `quoteId` 2. Display the `depositAccount` details to your user 3. User transfers the exact NGN `amount` via bank transfer 4. Zet detects the deposit, converts to crypto, and delivers to the wallet 5. You receive an `onramp.completed` webhook when done For **custodial** flow, provide `walletId`. For **non-custodial** flow, provide `destinationAddress`. operationId: initiateOnramp requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/OnrampInitiateRequest' responses: '200': description: On-ramp initiated. Display deposit details to user. content: application/json: schema: type: object properties: success: type: boolean example: true data: $ref: '#/components/schemas/OnrampInitiateResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '429': $ref: '#/components/responses/RateLimited' components: schemas: OnrampInitiateRequest: type: object required: - quoteId - walletId properties: quoteId: type: string description: Quote ID from a prior `/onramp/quote` call. example: qt_01H8X3... walletId: type: string description: Zet wallet ID to receive the crypto. Required for custodial flow. example: wal_01H8X3... destinationAddress: type: string description: >- External wallet address to receive crypto. Used for non-custodial flow. Mutually exclusive with `walletId`. example: 0xabc... reference: type: string description: >- Your unique reference for this transaction. If not provided, one is generated. example: order_12345 callbackUrl: type: string format: uri description: >- URL to receive webhook events for this specific transaction. Overrides the default webhook URL. example: https://yourapp.com/webhooks/zet OnrampInitiateResponse: type: object properties: transactionId: type: string example: txn_01H8X3... reference: type: string example: order_12345 status: $ref: '#/components/schemas/TransactionStatus' depositAccount: type: object description: Bank account details where the user should send NGN. properties: bankName: type: string example: Wema Bank bankCode: type: string example: '035' accountNumber: type: string example: '0123456789' accountName: type: string example: Zet / John Doe amount: type: string description: Exact NGN amount the user must transfer. example: '50120' expiresAt: type: string format: date-time description: Deadline for the bank transfer. Typically 30 minutes. TransactionStatus: type: string enum: - pending - completed - failed Error: type: object required: - success - error properties: success: type: boolean example: false error: type: object required: - code - message properties: code: type: string example: INVALID_REQUEST message: type: string example: The 'amount' field is required. responses: BadRequest: description: Invalid request parameters. content: application/json: schema: $ref: '#/components/schemas/Error' example: success: false error: code: INVALID_REQUEST message: The 'amount' field must be a positive number. Unauthorized: description: Missing or invalid API key. content: application/json: schema: $ref: '#/components/schemas/Error' example: success: false error: code: UNAUTHORIZED message: Invalid API key. RateLimited: description: Rate limit exceeded. content: application/json: schema: $ref: '#/components/schemas/Error' example: success: false error: code: RATE_LIMITED message: Rate limit exceeded. Try again in 60 seconds. securitySchemes: apiKey: type: apiKey in: header name: x-api-key description: Your Zet API key. Contact zetdotmoney@gmail.com to obtain your keys. ````