Overview
On-ramps allow you to convert fiat currency (COP, MXN, USD) into cryptocurrency (USDC, USDT) and receive it directly to your wallet.Processing Time: Most on-ramps complete within 5-30 minutes after payment confirmation.
Before You Start
Make sure you have:1
Completed KYC
✅ Account verified (at least Level 1)
2
Added Bank Account
✅ Payment method configured
3
Added Crypto Wallet
✅ Destination wallet address added
4
Sufficient Funds
✅ Enough balance in your bank account
Step-by-Step Guide
Step 1: Navigate to Buy Crypto
- Log in to the OTC Portal
- Click Buy Crypto in the left navigation menu
- You’ll see the on-ramp creation form
Step 2: Select Currencies
- From Fiat
- To Crypto
Choose source currency:
- 🇨🇴 COP (Colombian Peso)
- 🇲🇽 MXN (Mexican Peso)
- 🇺🇸 USD (US Dollar)
Step 3: Enter Amount
You can enter either:Step 4: Select Payment Method
Choose how you want to pay:- PSE (Colombia)
- SPEI (Mexico)
- Wire Transfer (USD)
Banco de Occidente, Bancolombia, Davivienda, and 20+ more
- ✅ Instant online transfer
- ✅ Available 24/7
- ✅ Low fees (~$0.50)
- ⏱️ Processing: 5-30 minutes
- Select PSE as payment method
- Choose your bank
- Complete payment in your bank’s portal
- Return to see transaction status
Step 5: Select Network & Wallet
Available Networks:| Network | Currency | Fee | Speed |
|---|---|---|---|
| Polygon | USDC, USDT | Less than $0.01 | 2-5 min |
| Ethereum | USDC, USDT | $2-10 | 5-15 min |
| Base | USDC, USDT | Less than $0.01 | 2-5 min |
| Arbitrum | USDC, USDT | Less than $0.10 | 2-5 min |
- Choose from your saved wallets
- Or add a new wallet address
- Verify the address matches your wallet’s network
Step 6: Review Quote
Before confirming, review:Exchange Rate
Exchange Rate
Live market rate updated in real-time. Rate is locked once you confirm the quote.
Platform Fee
Platform Fee
Service fee charged by KillB (typically 0.5% - 1.5%). Shown transparently upfront.
Network Fee
Network Fee
Gas fee for sending crypto to your wallet. Varies by network (Polygon is cheapest).
Quote Expiration
Quote Expiration
You have 15 minutes to complete payment before the quote expires and rate changes.
Step 7: Complete Payment
- PSE Payment
- SPEI Payment
- Wire Payment
Colombia - PSE Bank TransferPayment appears as:
- Click Confirm & Pay
- You’ll be redirected to PSE portal
- Select your bank
- Log in with your online banking credentials
- Authorize the payment
- Return to KillB portal
The payment window will open in a new tab. Don’t close it until payment is complete.
Step 8: Track Transaction Status
After payment, monitor your transaction:Payment Pending
Status: Waiting for payment confirmation⏱️ Typical wait:
- PSE: 5-30 minutes
- SPEI: Instant to 3 hours
- Wire: 1-3 business days
- Your payment is being processed by the bank
- KillB is waiting for confirmation
Payment Confirmed
Status: Processing exchange⏱️ Duration: 2-10 minutesWhat’s happening:
- Payment received and verified
- Exchange is being executed
- Crypto is being prepared for transfer
Sending Crypto
Status: Transferring to your wallet⏱️ Duration: 2-15 minutes (depending on network)What’s happening:
- Transaction submitted to blockchain
- Waiting for network confirmations
- You can view transaction hash
Completed
Status: ✅ Transaction complete!What to do:
- Check your wallet balance
- Download receipt
- Transaction hash available
Transaction Notifications
You’ll receive updates via:- 📧 Email - At each status change
- 📱 SMS (if enabled) - For important updates
- 🔔 In-app - Real-time notifications in portal
- 💬 WhatsApp (if enabled) - Status updates
Enable Notifications
Configure notification preferences in Settings
Fees Breakdown
Understanding what you pay:- Platform Fee
- Payment Method Fee
- Network Fee
0.5% - 1.5% of transaction amount
- Lower fees for larger transactions
- May vary by currency pair
- Always shown upfront in quote
Transaction Limits
Your limits depend on KYC level:| KYC Level | Per Transaction | Daily Limit | Monthly Limit |
|---|---|---|---|
| Level 1 | $500 | $1,000 | $5,000 |
| Level 2 | $5,000 | $10,000 | $50,000 |
| Level 3 | $25,000 | $50,000 | $250,000 |
| Level 4 | $100,000 | Unlimited | Unlimited |
Increase Limits
Complete higher KYC levels to increase your limits
Troubleshooting
Payment Failed
Payment Failed
Common causes:
- Insufficient funds in bank account
- Bank declined the transaction
- Daily limit reached
- Incorrect payment details
- Check your bank balance
- Contact your bank
- Verify you’re within limits
- Try again with a new quote
Quote Expired
Quote Expired
Why it happens:
- Took longer than 15 minutes to pay
- Payment was delayed by bank
- Create a new quote
- Complete payment within 15 minutes
- For wire transfers, quote is valid for 24 hours
Crypto Not Received
Crypto Not Received
Check:
- Transaction status in portal
- Correct wallet address
- Correct network selected
- Blockchain confirmations
- Polygon: 2-5 minutes
- Ethereum: 5-15 minutes
- Base: 2-5 minutes
- Contact support with transaction ID
- Provide wallet address
- Check blockchain explorer
Wrong Amount Received
Wrong Amount Received
Possible reasons:
- Exchange rate changed (if quote expired)
- Network fee was higher than estimated
- Payment amount was incorrect
- Review transaction receipt
- Check quote details
- Contact support if discrepancy
Best Practices
Plan Ahead
Create transactions during business hours for fastest processing
Double-Check
Verify wallet address and network before confirming
Act Quickly
Complete payment within 15 minutes to lock in rate
Save Receipts
Download transaction receipts for your records
Use Fast Networks
Choose Polygon or Base for lowest fees
Monitor Status
Check transaction status for updates
Tips for Better Rates
1
Check Multiple Times
Exchange rates fluctuate. Check rates multiple times to find the best moment.
2
Larger Transactions
Fees are often lower percentage-wise for larger amounts.
3
Off-Peak Hours
Network fees may be lower during off-peak hours (late night/early morning UTC).
4
Choose Cheap Networks
Polygon and Base have minimal gas fees compared to Ethereum.