Coindisco API integration & on-ramp aggregator data services

Multi-provider routing signals

Unlike a single-provider on-ramp, Coindisco normalises quotes from Revolut, Stripe, MoonPay, Ramp Network, Transak and similar rails into one comparable payload. Pulling that structured feed into your product gives you price-competitive routing without integrating each vendor individually — the same pattern Onramper and Uniramp popularised at the infrastructure layer.

True fee transparency

The app advertises "See all costs upfront, including real token prices". For an integrator, that means every order record contains a clean breakdown of provider fee, network fee, spread and fiat total — the kind of granular data a fintech back-office, tax tool or neobank needs to reconcile a crypto leg against a bank statement.

Global payment-method coverage

Credit/debit cards, Apple Pay, Google Pay, SEPA, Faster Payments, ACH and local payment options are all represented. An integration can filter quotes per country/method and feed that back into UX personalisation or merchant checkout — directly analogous to OpenBanking "payment initiation" style flows but applied to crypto on-ramps.

2,000+ tokens, 200+ blockchains

Recent 2024–2025 product updates extended coverage to 2,100+ tokens and 200+ blockchains, including DEX-only routing through Jupiter, 1inch, CoW Swap and Aquarius on Arbitrum, Solana, Ethereum, Base, BNB Smart Chain and Stellar. This breadth makes the portfolio API useful for multi-chain dashboards and DeFi reporting.

1. Neobank "buy crypto" module

A neobank embeds a crypto on-ramp inside its app without integrating MoonPay, Ramp, Stripe and Transak one-by-one. Our Coindisco quote API is called with {fiat, crypto, amount, country, payment_method}; it returns the cheapest route and a handoff token. Order status is streamed back through a webhook and persisted alongside the user's regular banking ledger — the same architectural pattern as PSD2 payment-initiation services under OpenBanking.

2. Crypto tax & accounting sync

A tax tool (Koinly / CoinTracker style) pulls the full Coindisco transaction history for a consenting user: order id, fiat leg, crypto leg, provider fees, network fees, timestamps and on-chain tx_hash. The statement export is normalised into the tool's existing ledger schema so capital-gains reports include Coindisco orders alongside exchange trades.

3. Compliance & AML monitoring

A licensed CASP uses the data feed to monitor aggregated on-ramp volume per user, flagging transactions above the €1,000 enhanced-due-diligence threshold and the €15,000 source-of-funds threshold introduced by MiCA. KYC status, provider selection and destination wallet metadata feed a rule engine that produces SAR-ready audit trails.

4. Wallet portfolio dashboard

A multi-chain wallet (similar to Trust Wallet or Atomic Wallet) imports the user's Coindisco purchases and balances so the "Buy" tab shows a unified history across CEX, DEX and on-ramp rails. Our API exposes per-token positions across 200+ chains including Arbitrum, Solana, Base, BNB Smart Chain and Stellar.

5. Merchant / partner analytics

A Web3 partner who drives traffic to Coindisco wants revenue-share analytics. The integration exposes anonymised order counts, volumes by country and payment method, and conversion by provider. Output feeds BI dashboards (Metabase, Looker) so the partner's growth team can optimise campaigns per region.

Deliverables checklist

• OpenAPI / Swagger specification for every exposed endpoint
• Protocol & auth flow report (login, refresh, device binding, request signing)
• Runnable source code in Python, Node.js or Go (your choice)
• Integration tests, Postman collection and example fixtures
• MiCA / GDPR compliance notes and data-retention guidance
• Optional hosted gateway with pay-per-call billing and per-key quotas

Example: on-ramp quote endpoint

POST /api/v1/coindisco/quotes
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "fiat_currency": "EUR",
  "crypto_symbol": "BTC",
  "crypto_network": "bitcoin",
  "fiat_amount": 500,
  "country": "DE",
  "payment_method": "sepa_transfer"
}

200 OK
{
  "request_id": "qr_9f8c21",
  "best_route": {
    "provider": "ramp_network",
    "token_price_eur": "62341.22",
    "provider_fee_eur": "4.95",
    "network_fee_eur": "0.80",
    "crypto_amount": "0.00796321",
    "eta_minutes": 3
  },
  "alternatives": [
    { "provider": "moonpay",  "provider_fee_eur": "6.10" },
    { "provider": "stripe",   "provider_fee_eur": "7.25" },
    { "provider": "transak",  "provider_fee_eur": "5.80" }
  ]
}

Example: transaction history (statement) API

GET /api/v1/coindisco/transactions?from=2025-01-01&to=2025-03-31
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "account_id": "acc_7a4e",
  "page": 1,
  "items": [
    {
      "order_id": "ord_0c91a2",
      "direction": "buy",
      "provider": "moonpay",
      "fiat": { "currency": "USD", "amount": "250.00" },
      "crypto": { "symbol": "SOL", "chain": "solana", "amount": "1.82" },
      "fees": { "provider": "4.20", "network": "0.01" },
      "tx_hash": "5K9s...uQa",
      "kyc_level": "basic",
      "status": "completed",
      "created_at": "2025-02-14T09:12:33Z"
    }
  ]
}

Example: order webhook

POST https://your-app.example.com/webhooks/coindisco
X-Coindisco-Signature: t=1710000000,v1=HMAC_SHA256(...)

{
  "event": "order.completed",
  "order_id": "ord_0c91a2",
  "provider": "ramp_network",
  "fiat_amount": "500.00",
  "crypto_amount": "0.00796321",
  "tx_hash": "0x2e...a1f",
  "timestamp": "2025-03-11T14:08:02Z"
}

// Handle failure / refund via event = "order.failed" | "order.refunded"

MiCA & regional rules

Crypto on/off-ramp integrations in the EU fall under MiCA, which has been fully enforceable across the 27 member states since 30 December 2024. Crypto-Asset Service Providers must implement customer identification before any transaction, 5-year KYC record retention, source-of-funds checks above €15,000, enhanced due diligence above €1,000 and PEP screening. Our Coindisco integration ships with audit-log hooks and consent records so downstream CASPs can demonstrate compliance to national competent authorities.

GDPR, data minimisation & FATF Travel Rule

Personal data is only retrieved under explicit user authorization and in the narrowest scope required for the integration. Where the FATF Travel Rule applies, beneficiary and originator information is handled through the existing Coindisco provider chain rather than duplicated. We also support UK FCA financial-promotion expectations and U.S. FinCEN reporting where relevant.

Security architecture

All API calls are signed (HMAC-SHA256), tokens are short-lived with refresh rotation, and sensitive artefacts are encrypted at rest (AES-256) and in transit (TLS 1.3). Request / response logs are redacted for PAN, CVV and wallet private data before being written to storage.

About the studio

We are an independent technical studio specialising in app interface integration and authorized API integration. Our engineers come from payments, digital banking, crypto exchanges and large-scale protocol analysis. We ship production-ready fintech and crypto APIs under explicit user authorization or documented public interfaces, and we understand the operational reality of MiCA, PSD2, GDPR, FCA, FinCEN and FATF Travel Rule obligations.

• On/off-ramp aggregators, exchanges, wallets and neobanks
• Transaction export, statement APIs and portfolio sync
• Custom SDKs in Python, Node.js and Go with full test harness
• Full pipeline: protocol analysis → build → validation → compliance
• Source code delivery from $300 — runnable API source code + documentation; pay after delivery upon satisfaction.
• Pay-per-call hosted API — use our managed endpoints and pay only for the calls you make, with no upfront cost.

Contact

To get a quote or submit your target app and requirements (for Coindisco or any similar on/off-ramp, exchange or wallet app), use our contact page:

Open contact page

Tell us: target app name, desired data or flows (quotes, transactions, portfolio, webhooks), preferred delivery language, and any region-specific compliance constraints.

Engagement workflow

1. Scope confirmation: which Coindisco flows matter (quotes, orders, portfolio, webhooks, rewards).
2. Protocol analysis & API design (typically 2–5 business days).
3. Implementation & internal validation (typically 3–8 business days).
4. Docs, Postman collection, samples and test cases (1–2 business days).
5. Delivery & acceptance: first production-ready drop usually lands within 5–15 business days; partner reviews may extend timelines.

FAQ

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