> ## Documentation Index
> Fetch the complete documentation index at: https://docs.polygon.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# Cash to crypto on-ramp

> Let US and global customers buy crypto with cash at 50,000+ convenience stores, gas stations, and pharmacies. A regulated cash-to-crypto on-ramp that funds digital wallets without a bank account or card.

A customer walks into a convenience store, gas station, or pharmacy with cash. They hand over the bills, get a confirmation code, and their digital wallet is funded. No bank account. No credit card. No friction beyond the cash handoff.

In the US, this pattern reaches the millions of households that are unbanked or underbanked, and the much larger banked population that still uses cash for specific transactions. Globally, it extends digital wallets to the estimated 1.4 billion unbanked adults who hold value primarily in cash.

**Who this is for:**

* US-based fintech and neobank apps onboarding cash-preferring customers without an ACH or card relationship
* Remittance apps serving recipients who receive cash from abroad and want to hold digital balances
* Gig economy platforms where workers prefer cash funding over ACH
* Consumer apps that need a no-bank-account funding path alongside card and bank transfers

***

## How it works

<div style={{border:"1px solid #C8CFE1",borderRadius:"12px",overflow:"hidden",marginBottom:"24px"}}>
  <div style={{background:"linear-gradient(180deg,#EAE4F5 0%,#F6F3FB 100%)",borderBottom:"1px solid #D5C4F2",padding:"10px 16px",fontSize:"11px",fontWeight:"700",color:"#670DE5",letterSpacing:"0.06em",textTransform:"uppercase"}}>Cash on-ramp flow</div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>1</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>POST /cash-ins (amount, currency)</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>2</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Deposit code + barcode + retail instructions</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>3</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Show barcode in app</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>4</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Customer</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>Retail</span>
    <span style={{fontSize:"13px",color:"#141635"}}>Present barcode, hand over cash</span>
  </div>

  <div style={{borderBottom:"1px solid #EEF0F9",padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>5</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{fontSize:"13px",color:"#141635",marginLeft:"4px"}}>Cash confirmed, converts to USDC, credits wallet</span>
  </div>

  <div style={{padding:"9px 16px",display:"flex",alignItems:"center",gap:"10px"}}>
    <span style={{color:"#929EBA",fontSize:"11px",fontWeight:"700",minWidth:"16px",textAlign:"right"}}>6</span>
    <span style={{background:"#EAE4F5",color:"#670DE5",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"700",whiteSpace:"nowrap"}}>OMS</span>
    <span style={{color:"#670DE5",fontWeight:"700"}}>→</span>
    <span style={{background:"#EEF0F9",color:"#48526F",padding:"2px 8px",borderRadius:"4px",fontSize:"11px",fontWeight:"600",whiteSpace:"nowrap"}}>App</span>
    <span style={{fontFamily:"'Geist Mono',ui-monospace,monospace",fontSize:"12px",color:"#141635"}}>Webhook: fiatToCrypto.completed</span>
  </div>
</div>

The deposit code is time-limited. OMS creates the cash-in intent, returns a barcode, and waits for the retail network to confirm receipt. When cash is collected at the counter, OMS auto-creates a `fiatToCrypto` transaction and credits the customer's wallet.

***

## OMS resources

| Resource                   | Role                                                                    |
| -------------------------- | ----------------------------------------------------------------------- |
| Customer                   | Identity record with KYC endorsements                                   |
| Wallet                     | Custodial or non-custodial stablecoin balance that receives the deposit |
| Cash-in                    | Deposit intent with barcode for retail scanning                         |
| `fiatToCrypto` transaction | Auto-created when cash is confirmed at retail                           |

***

## Implementation

<CardGroup cols={2}>
  <Card title="Customer onboarding" icon="user-plus" href="/payments/guides/customer-onboarding">
    Create customer records, collect KYC, and provision wallets.
  </Card>

  <Card title="Cash-in" icon="money-bill-wave" href="/api-reference/guide-cash-in">
    Generate deposit codes, display barcodes, and handle retail confirmations.
  </Card>
</CardGroup>