Every partner follows a structured onboarding process that balances speed-to-market with compliance rigour, technical integration quality, and commercial alignment. The process has five stages with clear gate criteria at each transition.Documentation Index
Fetch the complete documentation index at: https://docs.ratiofx.com/llms.txt
Use this file to discover all available pages before exploring further.
Commercial evaluation
The initial stage establishes commercial alignment and partnership fit.Activities:
- Partnership application and initial screening
- Commercial terms discussion (corridor access, volume expectations, fee structure)
- MOU or MSA negotiation and execution
- Partner type classification and onboarding track assignment
Compliance and KYB
All partners undergo Know Your Business (KYB) verification before any technical integration begins. The depth of due diligence scales with the partner’s risk profile.Activities:Gate criteria: All mandatory compliance checks passed for the assigned risk tier.
- Documentation submission (incorporation, UBO disclosure, director verification)
- AML/CFT policy review
- Sanctions screening (OFAC, UN, EU, and local lists)
- Licensing verification per jurisdiction and corridor
- Risk tier assignment (Standard, Enhanced, or Strategic)
Enhanced and Strategic partners undergo additional checks including financial statement review, source of funds verification, blockchain address screening, and (for issuers) reserve audits.
Technical integration
Once compliance is cleared, you receive API credentials and begin technical integration against the sandbox environment.Credentials issued:
Activities:
| Credential | Description |
|---|---|
| Partner ID | UUID used in all API requests |
| API key | Bearer token for authentication |
| Sandbox API key | Separate key for testnet access |
| Webhook secret | Used to verify callback signatures |
| Wallet whitelist entries | For LP partners — Kaia address registration |
- API integration against the sandbox environment
- Webhook receiver setup and signature verification
- Partner-specific configuration by Ratio admin (corridors, fee tiers, volume limits)
- Integration track varies by partner type — On-Ramp, LP, Issuer, and RFQ each have a tailored checklist
Sandbox testing and certification
You must pass a set of certification test cases before production activation. Tests are partner-type-specific.
LP and issuer partners have additional tests for deposit routing, kToken issuance, and withdrawal cooldown verification. RFQ counterparties have quote-response SLA tests.Estimated duration: 1–3 weeks.Gate criteria: All mandatory test cases passed; SLA targets demonstrated.
| Test category | Description |
|---|---|
| Happy path | End-to-end: quote → execute → settle → confirm for each enabled corridor |
| Quote expiry | Attempt execution on expired quote; verify rejection and re-quote flow |
| State scenarios | Test behaviour under different system states |
| Volume limits | Exceed daily/monthly limits; verify graceful rejection |
| Webhook delivery | Verify callbacks received, HMAC signature validated, idempotent handling |
| Auth failure | Invalid API key, expired token, wrong Partner ID — verify clean error responses |
| Error and rollback | Simulate settlement failure; verify error handling |
| Reconciliation | Daily reconciliation of stablecoin-in vs. fiat-out; zero discrepancy target |
Production activation
You go live with a controlled ramp-up and enhanced monitoring period.Go-live checklist:
- All compliance gates cleared and documented
- All certification test cases passed
- Production API key issued; sandbox key deactivated
- Commercial agreement fully executed
- Escalation contacts exchanged for incident response
- Volume limits set at initial conservative levels
| Period | Volume cap | Review cadence |
|---|---|---|
| Week 1–2 | 25% of agreed limit | Daily monitoring |
| Week 3–4 | 50% of agreed limit | Weekly review |
| Month 2 | 75% of agreed limit | Bi-weekly review |
| Month 3+ | 100% of agreed limit | Monthly review |
The first 30 days post-go-live include a hypercare period with daily reconciliation review, weekly performance calls, real-time alerting on SLA breaches, and a dedicated account manager.