Integrate on-ramp

On-ramp = a counterparty buys crypto with fiat, delivered to an SDP-known wallet. Implement createOnrampQuote on the package client and add a branch to the API quote dispatch. There is no executeOnramp method in the current provider contract.

createOnrampQuote is optional on RampProvider — implement it only if your provider has a lockable quote step.

Choose the closest package client by delivery mode: manual instructions, hosted URL, or session widget — all three are represented under packages/sdp-payments/src/ramps/providers/. Provider-specific DB helpers live in apps/sdp-api/src/routes/payments/handlers/ramps/<id>.ts.

Contract

Read the current RampOnrampQuoteInput from packages/sdp-payments/src/ramps/types.ts. The handler resolves wallet, counterparty, identity/contact, and provider account ids before calling the package client; the client never reads the database.

PaymentRampQuote is a closed union discriminated by both provider and deliveryMode in packages/sdp-types/src/payments.ts. Add the provider-specific quote arm, and add a PaymentRampInstruction arm for new manual instruction fields:

• deliveryMode: "manual_instructions" — return paymentInstructions (bank/wire or on-chain funding details).
• deliveryMode: "hosted" — return a hostedUrl the client renders (widget/redirect).
• deliveryMode: "session_widget" — return the session fields required by an embedded SDK/frame.

Prefer the upstream quote/session id. If the upstream does not mint one, use rampId("ramp_quote") from @sdp/payments/ramps/shared and pass that reference upstream. The webhook or reconciliation path must return the same reference.

Handler wiring (the DB side)

Add a branch to apps/sdp-api/src/routes/payments/handlers/ramps.ts. The handler owns all DB work:

• resolves the counterparty + destination wallet,
• ensures any provider-side customer/account exists (DB-touching ensure* helpers live in apps/sdp-api/src/routes/payments/handlers/ramps/<id>.ts),
• calls your HTTP-only createOnrampQuote with pre-resolved inputs,
• persists the transfer via persistRampQuoteTransfer (dedups by (provider, providerReference); rampQuoteTransferStatus maps a manual_instructions + pending quote to awaiting_payment). A reservedTransferId is minted before the provider call so it can travel upstream as the reference; a provider whose failed calls must still be attributable to a row pre-creates the pending transfer instead and skips the post-quote persist.

Runtime route: POST /v1/payments/ramps/onramp/quote, gated by provider availability, metered quota, permissions, and policyGate. This route is public OpenAPI today; update apps/sdp-api/src/openapi/** when the new provider changes its request/response shape and regenerate owned artifacts.

For hosted, decide whether the upstream permits iframe embedding or requires a top-level redirect. Check the provider's CSP / frame-ancestors policy and return/render the URL accordingly; the dashboard's default hosted path assumes iframe embedding, so a redirect-only provider needs an explicit renderer instead of inheriting that path.

Variety

deliveryMode	On-ramp quote shape
manual_instructions	bank pay-in or funding instructions built from the provisioned customer/resource
hosted	signed provider widget hostedUrl
session_widget	embedded provider session credentials

Gating — throw, don't fallback

A provider that needs provisioning must fail loud when it's missing: a missing customer link, unverified customer, or unprovisioned funding resource throws counterpartyNotProvisioned. Getting the counterparty to a ready state is counterparty-requirements — never substitute a default.

Rules + verify

Shared rules live in integrate-ramp-provider. Hot here:

• No fallbacks — missing customer/account/instructions throws; never default them.
• HTTP in the provider; DB (counterparty, wallet, customer, transfer row) in the handler.
• deliveryMode arms are a real discriminated union — return exactly one arm's fields; no any.
• Update apps/sdp-web/src/app/dashboard/payments/ramps/ when the provider's quote arm or instruction shape is not already rendered by the chosen delivery mode.
• Verify @sdp/payments, focused API quote/persistence tests, OpenAPI generation when changed, and sdp-web typecheck/tests for the renderer.