Last updated 7 months ago
Buying and selling tokens is still complex, requiring exchanges, custody risks, and multiple steps. This friction blocks adoption and mainstream Web3 access.
A seamless fiat to Cardano token on/off-ramp via API and widget, enabling instant VISA/SEPA/ApplePay/GooglePay payments, with tokens sent directly to wallets. Fast, non-custodial, compliant, seamless.
This is the total amount allocated to Seamless FIAT to Cardano token on/off ramp.
Please provide your proposal title
Seamless FIAT to Cardano token on/off ramp
Enter the amount of funding you are requesting in ADA
100000
Please specify how many months you expect your project to last
4
Please indicate if your proposal has been auto-translated
No
Original Language
en
What is the problem you want to solve?
Buying and selling tokens is still complex, requiring exchanges, custody risks, and multiple steps. This friction blocks adoption and mainstream Web3 access.
Supporting links
Does your project have any dependencies on other organizations, technical or otherwise?
No
Describe any dependencies or write 'No dependencies'
No dependencies
Will your project's outputs be fully open source?
No
License and Additional Information
Since the technology requires licensing and is directly integrated with our exchange, it cannot be fully open source. However, we will allow Cardano projects to use it upon prior approval, (this is a legal requirement). Our goal is to make the solution available to as many projects as possible while ensuring compliance.
Please choose the most relevant theme and tag related to the outcomes of your proposal.
Payments
Describe what makes your idea innovative compared to what has been previously funded (whether by you or others).
We remove the complexity that blocks newcomers from accessing Cardano tokens. No exchange accounts, no custody risks, no confusing steps.
Users simply pay with card, SEPA, Apple or Google Pay, and receive tokens directly in their own wallet, inmediately.
By keeping the user as the sole custodian, security and control are guaranteed. This simplicity turns what used to take multiple steps and platforms into a fast, safe, and intuitive process, enabling mainstream adoption and empowering projects to onboard new audiences.
Describe what your prototype or MVP will demonstrate, and where it can be accessed.
The MVP will demonstrate a functional fiat-to-Cardano on/off-ramp through our widget and API. It will allow users to purchase ADA and Cardano native tokens with card, SEPA, Apple or Google Pay, and receive them directly in their wallets without intermediaries or custody risk.
Describe realistic measures of success, ideally with on-chain metrics.
We will consider it a success if we reach at least 20 native tokens listed and fully operational on the platform, while maintaining an error rate below 3%. This is our minimum threshold to validate reliability, but our ambition is to go further by supporting as many Cardano projects as possible and expanding adoption across the ecosystem.
Please describe your proposed solution and how it addresses the problem
Our solution is a seamless, licensed, and non-custodial fiat-to-Cardano token on/off-ramp designed to remove the complexity that currently prevents mainstream adoption. Today, buying or selling tokens requires creating accounts on centralized exchanges, passing lengthy processes, facing custody risks, and moving funds across multiple platforms before reaching a personal wallet. This complexity discourages newcomers and slows down the growth of the Cardano ecosystem.
We address this problem by providing a simple embeddable widget and developer-friendly API that allow any project to integrate fiat-to-token transactions in minutes. Users can buy or sell Cardano tokens instantly using familiar payment methods such as VISA/Mastercard, Apple Pay, Google Pay, or SEPA transfers. Tokens are sourced directly from DEX liquidity pools and delivered straight to the user’s wallet, removing intermediaries, eliminating custody risks, and ensuring that the user remains the sole owner of their assets.
By reducing what used to be a multi-step, confusing process into a single, intuitive flow, we make Cardano accessible to users who are not crypto-native. This creates a safer, faster, and more transparent experience for both newcomers and experienced users.
The infrastructure is fully licensed in Europe (Bank of Spain registration, MiCA in tramit), ensuring compliance with financial regulations while preserving a non-custodial model.
For developers and Cardano projects, our solution means they do not need to spend resources building payment rails, handling compliance, or managing liquidity. Instead, they can integrate our widget or API and instantly enable fiat-to-token access for their communities. This reduces time to market, lowers operational risk, and increases adoption across the ecosystem.
In short, our solution transforms fiat to Cardano token transactions into something as simple as buying a coffee: fast, compliant, secure, and entirely under the user’s control.
Please define the positive impact your project will have on the wider Cardano community
Our solution lowers one of the biggest barriers to Cardano adoption: the complexity of moving between fiat and tokens.
By enabling direct, compliant, and non-custodial transactions, we make it possible for newcomers to join the ecosystem with the same ease as making an online purchase. This will expand the user base, drive liquidity, and help projects onboard non-crypto-native audiences without building their own payment infrastructure. For projects, it means faster go-to-market, fewer resources spent on compliance, and greater confidence when integrating Cardano into real-world applications. The result is a stronger, more inclusive, and more scalable ecosystem that supports both mass adoption and long-term sustainability.
What is your capability to deliver your project with high levels of trust and accountability? How do you intend to validate if your approach is feasible?
Our capability to deliver this project is based on three pillars: technical expertise, regulatory readiness, and a clear development and validation plan.
On the technical side, our team has extensive experience in building non-custodial platforms and payment integrations. With Catalyst funding, we will design and implement the widget and API that connect fiat payment methods (cards, SEPA, Apple Pay, Google Pay) with ADA and Cardano native tokens via decentralized liquidity. The goal is to create a modular solution that projects can easily integrate, reducing adoption friction.
From the regulatory perspective, we already hold registration with the Bank of Spain (MiCA in process), allowing us to operate legally in the fiat-to-crypto space and work with major payment providers under AML/KYC compliance. This foundation ensures that what we build will be viable for real-world deployment.
Feasibility will be validated through the MVP by demonstrating a live end-to-end purchase flow: users buying ADA and Cardano tokens directly into their wallets. Success will be measured through on-chain metrics (unique wallets funded, transaction volumes, frequency of use) and off-chain metrics (number of projects integrating the widget, transaction completion rate, and user feedback).
This combination of expertise, legal readiness, and measurable validation ensures that the project can be realistically delivered and scaled.
Milestone Title
Functional Service Ready and Launch of 1 Cardano Token
Milestone Outputs
Launch a fully functional Cardano on/off ramp that enables seamless fiat-to-crypto conversion with at least 1 native token, as a test. The service will support multiple payment methods (VISA, SEPA, Apple Pay/Google Pay).
Acceptance Criteria
The milestone will be considered achieved when a functional Cardano on/off ramp is live and operational, supporting at least 1 native token. Users must be able to complete real transactions end-to-end using Visa, SEPA, Apple Pay, and Google Pay. The system must demonstrate stability, security, and compliance, with an error rate below 3%. Evidence will include transaction logs, on-chain confirmations, and user testing results proving the service works in a real-world environment.
Evidence of Completion
Evidence of completion will include transaction logs demonstrating successful on/off ramp operations with at least 1 native Cardano token, on-chain confirmations validating the transactions, and internal testing reports. Screenshots or recordings of end-to-end transactions using Visa, SEPA, Apple Pay, and Google Pay will be provided to verify real-world functionality. Additionally, system monitoring data will confirm that error rates remain below 3% during testing.
Delivery Month
1
Cost
40000
Progress
30 %
Milestone Title
Integration and Launch of 3 Native Cardano Tokens
Milestone Outputs
Successfully integrate and launch at least 3 native Cardano tokens into the on/off ramp infrastructure. Each token must be fully operational for fiat-to-crypto and crypto-to-fiat transactions, supporting VISA, SEPA, Apple Pay, and Google Pay.
Acceptance Criteria
The milestone will be considered achieved when 3 native Cardano tokens are listed and active on the platform, allowing end-to-end transactions in a real-world environment. The system must demonstrate secure handling of all payment methods, compliance with regulatory standards, and maintain an error rate below 3%.
Evidence of Completion
Evidence will include transaction logs confirming successful fiat-to-crypto and crypto-to-fiat operations for all 3 tokens, on-chain confirmations, and internal testing documentation. Screenshots or recordings of completed user transactions using VISA, SEPA, Apple Pay, and Google Pay will be provided as proof of real-world functionality. Monitoring data will confirm that the error rate remains below 3%.
Delivery Month
2
Cost
20000
Progress
20 %
Milestone Title
Integration and Launch of 10 Native Cardano Tokens
Milestone Outputs
Successfully integrate and launch at least 3 native Cardano tokens into the on/off ramp infrastructure. Each token must be fully operational for fiat-to-crypto and crypto-to-fiat transactions, supporting VISA, SEPA, Apple Pay, and Google Pay.
Acceptance Criteria
The milestone will be considered achieved when 10 native Cardano tokens are listed and active on the platform, allowing end-to-end transactions in a real-world environment. The system must demonstrate secure handling of all payment methods, compliance with regulatory standards, and maintain an error rate below 3%.
Evidence of Completion
Evidence will include transaction logs confirming successful fiat-to-crypto and crypto-to-fiat operations for all 10 tokens, on-chain confirmations, and internal testing documentation. Screenshots or recordings of completed user transactions using VISA, SEPA, Apple Pay, and Google Pay will be provided as proof of real-world functionality. Monitoring data will confirm that the error rate remains below 3%.
Delivery Month
3
Cost
30000
Progress
30 %
Milestone Title
Project Close-out Report and Final Video
Milestone Outputs
Deliver a comprehensive project close-out report detailing the milestones achieved, the number of tokens integrated, payment methods supported, user adoption progress, technical results, and compliance measures. Alongside the report, produce a final video presentation summarizing the project’s goals, execution, and outcomes for the Cardano community.
Acceptance Criteria
The milestone will be considered achieved when a complete written report and final video are submitted. The report must include an overview of each milestone, metrics on tokens integrated, transaction success rates, compliance adherence, and error rate analysis. The video must provide a clear and accessible summary for the wider Cardano ecosystem.
Evidence of Completion
Evidence will include the published close-out report in PDF format, shared with the Catalyst community, and a publicly available video presentation uploaded to a widely accessible platform (e.g., YouTube). Both must comprehensively cover the project journey, results, and impact for the Cardano ecosystem.
Delivery Month
4
Cost
10000
Progress
10 %
Please provide a cost breakdown of the proposed work and resources
How does the cost of the project represent value for the Cardano ecosystem?
This investment brings significant value to the Cardano ecosystem by lowering barriers to entry and driving broader adoption of ADA and native tokens. By enabling simple, non-custodial purchases directly into user wallets, the project expands Cardano’s reach beyond existing crypto users to mainstream audiences.
The outcome is more users, higher liquidity, and greater utility for Cardano projects, which strengthens the ecosystem as a whole. The cost is therefore not just an expense but a catalyst ;) for long-term growth, positioning Cardano as one of the most user-friendly and compliant ecosystems in the blockchain space.
Terms and Conditions:
Yes