How OnRamp works

OnRamp is a self-serve issuance kiosk for tokenized bonds and tokens on the XRP Ledger. This page is the product gist — who it is for, what you do, and who holds the keys. It is not a developer reference.

What OnRamp is

OnRampDLT is a non-custodial issuer kiosk. Operators configure a token or a Regulation D bond offering in a dashboard, connect their own XRPL wallet, and sign the transactions that create and manage that offering. Investors who are invited (or, where the exemption allows, who find a public 506(c) listing) subscribe from their own wallets.

It is built for operators raising roughly $100K–$5M under Reg D 506(b) or 506(c) — franchise, real-estate, and similar mid-market raises that do not need a placement agent or a custom blockchain build.

What it is not

OnRamp is software. It is not a broker-dealer, investment adviser, custodian, or exchange. It does not hold private keys, does not hold investor funds, and is not a party to the deal between issuer and investor. Payments move wallet-to-wallet on the ledger. The issuer owns the offering documents, the exemption choice, and the Form D filing.

Who it is for

• Issuers — businesses raising private capital or issuing a token without writing ledger code.
• Investors — accredited (and, where 506(b) allows, sophisticated) participants who subscribe from an invite or listing and hold the instrument in their own wallet.
• Counsel — attorneys who need the platform role and custody model, not a systems diagram. See Compliance and the User Guide.

The journey (no internals)

1. Create an accountSign up, verify email, and pick a plan that matches what you need to issue or invest.
2. Connect your own walletUse a supported XRPL wallet (Xaman, Crossmark, or GemWallet). Keys stay on your device.
3. Configure the offeringSet name, terms, size, and (for bonds) rate and schedule in the dashboard. Save as a draft until you are ready.
4. Review and signThe platform constructs the ledger requests. You review and approve them in your wallet. Nothing moves without your signature.
5. Investors subscribeInvited or eligible investors connect their wallets, complete accreditation steps the exemption requires, and pay the issuer directly on-ledger.
6. You distributeInterest, tokens, and other distributions are signed by the issuer the same way — platform prepares, you approve.

Custody model

The issuer signs. The platform constructs. OnRamp prepares unsigned transaction requests for you to review in your wallet. Private keys never leave the device, and OnRamp cannot move funds or tokens on your behalf. If you lose the wallet and its recovery phrase, the platform cannot restore them.

Why the XRP Ledger

XRPL has issued currencies and payments as native ledger features. That means a mid-market operator can launch a token or bond instrument without commissioning a smart-contract audit or hiring a chain team. Settlement is fast and fees are small. OnRamp is the kiosk on top of that — not a new chain and not a custodial vault.

Reg D posture (high level)

Bond offerings on OnRamp are framed as private placements under Regulation D. 506(b) is for issuers who already know their investors and will not generally solicit. 506(c) allows public marketing but requires every investor to be accredited and actually verified. The issuer chooses the exemption, files Form D, and owns compliance. OnRamp provides software and a place to record accreditation steps; it does not file for you and does not give legal advice. Details live on the compliance page and in the User Guide.

Pricing and API access

Public plans start at $49. See pricing on the homepage for current tiers, add-ons, and what each plan unlocks.

Where to go next