Binance Onchain Pay

Binance Onchain Pay: buy crypto with fiat (EUR, USD) or send crypto to any on-chain wallet. Use when users want to buy crypto with fiat or make on-chain payments.

Binance Onchain-Pay Open API Skill

Call Binance Onchain-Pay Open API endpoints with automatic RSA SHA256 request signing.

Use Cases & Scenarios

This skill is designed for the following scenarios:

1. 💳 Fiat-to-Crypto Purchase & Send

When to use: User wants to buy crypto with fiat currency and send directly to an external on-chain wallet address

• Buy USDT with USD/EUR/TWD using credit card → Send to MetaMask address on BSC
• Purchase BTC with Google Pay → Transfer to hardware wallet
• Buy USDC with P2P → Send to DeFi protocol contract address

Key APIs: trading-pairs → payment-method-list → estimated-quote → pre-order

2. 🔄 Direct Crypto Transfer (Send Primary)

When to use: User has crypto in Binance account and wants to send to external address

• Send existing USDT from Binance Spot to friend's wallet address
• Transfer ETH to Uniswap contract for trading
• Move crypto from Binance to self-custodial wallet (Trust Wallet, Ledger, etc.)

Key APIs: pre-order with SEND_PRIMARY customization

3. 🔗 Cross-Chain Bridge Operations

When to use: User needs to buy crypto on one chain and transfer to another network

• Buy USDC on Ethereum → Bridge to Polygon for lower fees
• Purchase tokens on BSC → Transfer to Base network
• Fiat to crypto on Solana → Send to Arbitrum for DeFi

Key APIs: crypto-network → pre-order with network selection

4. 🏪 Merchant Payment Integration

When to use: Integrate crypto payment gateway for e-commerce or services

• Accept fiat payments and auto-convert to crypto
• Enable "Pay with Crypto" checkout flow
• Process subscription payments with crypto

Key APIs: pre-order with externalOrderId tracking

5. 🤖 Smart Contract Interaction (Onchain-Pay Easy)

When to use: Buy crypto and execute smart contract in one transaction

• Buy USDT and deposit to lending protocol
• Purchase tokens and stake in DeFi pool
• Fiat on-ramp directly to GameFi or NFT marketplace

Key APIs: pre-order with ON_CHAIN_PROXY_MODE customization

6. 📊 Query & Monitoring

When to use: Check order status, available networks, or payment methods

• Monitor order processing status (pending, completed, failed)
• List supported fiat currencies and cryptocurrencies
• Check available payment methods for specific country/amount
• Verify network fees and limits

Key APIs: order, crypto-network, trading-pairs, payment-method-list

---

Quick Reference

Endpoint	API Path	Required Params	Optional Params
Payment Method List (v1)	papi/v1/ramp/connect/buy/payment-method-list	fiatCurrency, cryptoCurrency, totalAmount, amountType	network, contractAddress
Payment Method List (v2)	papi/v2/ramp/connect/buy/payment-method-list	(none)	lang
Trading Pairs	papi/v1/ramp/connect/buy/trading-pairs	(none)	(none)
Estimated Quote	papi/v1/ramp/connect/buy/estimated-quote	fiatCurrency, requestedAmount, payMethodCode, amountType	cryptoCurrency, contractAddress, address, network
Pre-order	papi/v1/ramp/connect/gray/buy/pre-order	externalOrderId, merchantCode, merchantName, ts	fiatCurrency, fiatAmount, cryptoCurrency, requestedAmount, amountType, address, network, payMethodCode, payMethodSubCode, redirectUrl, failRedirectUrl, redirectDeepLink, failRedirectDeepLink, customization, destContractAddress, destContractABI, destContractParams, affiliateCode, gtrTemplateCode, contractAddress
Get Order	papi/v1/ramp/connect/order	externalOrderId	(none)
Crypto Network	papi/v1/ramp/connect/crypto-network	(none)	(none)
P2P Trading Pairs	papi/v1/ramp/connect/buy/p2p/trading-pairs	(none)	fiatCurrency

---

How to Execute a Request

Step 1: Gather credentials

Use the default account (prod) unless the user specifies otherwise. You need:

• BASE_URL: API base URL
• CLIENT_ID: Client identifier
• API_KEY: The sign access token
• PEM_PATH: Absolute path to the RSA private key PEM file

Use the account marked (default) in .local.md.

Step 2: Build the JSON body

Build a compact JSON body from user-specified parameters. Remove any parameters the user did not provide.

IMPORTANT: Address and Network Validation

• address (destination wallet address) and network (blockchain network) are REQUIRED for all pre-order requests
• If the user has configured Default Address and Default Network in .local.md, use them automatically
• If not configured or not provided by user, ASK the user to provide both values before proceeding

Step 3: Sign and call using the bundled script

bash

bash <skill_path>/scripts/sign_and_call.sh \
  "<BASE_URL>" \
  "<API_PATH>" \
  "<CLIENT_ID>" \
  "<API_KEY>" \
  "<PEM_PATH>" \
  '<JSON_BODY>'

Step 4: Return results

Display the JSON response to the user in a readable format.

---

Authentication

See references/authentication.md for full signing details.

Summary:

1. Payload = JSON_BODY + TIMESTAMP (milliseconds)
2. Sign payload with RSA SHA256 using PEM private key
3. Base64 encode the signature (single line)
4. Send as POST with headers: X-Tesla-ClientId, X-Tesla-SignAccessToken, X-Tesla-Signature, X-Tesla-Timestamp, Content-Type: application/json

---

Parameters Reference

Payment Method List v1 (buy/payment-method-list)

Parameter	Type	Required	Description
fiatCurrency	string	Yes	Fiat currency code (e.g., USD, EUR, BRL, UGX)
cryptoCurrency	string	Yes	Crypto currency code (e.g., BTC, USDT, USDC, SEI)
totalAmount	number	Yes	Amount value
amountType	number	Yes	1 = fiat amount, 2 = crypto amount
network	string	No	Blockchain network (e.g., BSC, ETH, SOL, BASE, SEI)
contractAddress	string	No	Token contract address (required for non-native tokens)

Payment Method List v2 (v2/buy/payment-method-list)

Get all available payment methods without specifying fiat/crypto parameters. Simplified version of v1.

Parameter	Type	Required	Description
lang	string	No	Language code for localized payment method names (e.g., en, cn, es)

Differences from v1:

• Simpler: No need to specify fiatCurrency, cryptoCurrency, or amount
• Comprehensive: Returns all available payment methods for the merchant
• Use case: Useful for displaying all options before user input

Response Format: Same as v1, returns list of payment methods with their limits and properties.

Estimated Quote (buy/estimated-quote)

Parameter	Type	Required	Description
fiatCurrency	string	Yes	Fiat currency code
cryptoCurrency	string	No	Crypto currency code (optional if contractAddress provided)
requestedAmount	number	Yes	Amount value
payMethodCode	string	Yes	Payment method (e.g., BUY_CARD, BUY_GOOGLE_PAY, BUY_P2P, BUY_WALLET)
amountType	number	Yes	1 = fiat amount, 2 = crypto amount
network	string	Yes*	Blockchain network (can use default from .local.md)
contractAddress	string	No	Token contract address
address	string	Yes*	Destination wallet address for receiving crypto

* Recommended: These parameters should be provided. If not specified by user, check .local.md for defaults. If no defaults exist, ask user before proceeding.

Pre-order (buy/pre-order)

Create a buy pre-order and return the redirect link for payment.

Parameter	Type	Required	Description
externalOrderId	string	Yes	Partner's unique order ID (must be unique)
merchantCode	string	Yes	Merchant code (e.g., connect-gray)
merchantName	string	Yes	Merchant display name (e.g., GrayTest)
ts	number	Yes	Current timestamp in milliseconds
fiatCurrency	string	No*	Fiat currency code (e.g., TWD, USD, EUR)
fiatAmount	number	No*	Fiat amount to spend
cryptoCurrency	string	No*	Crypto currency to buy (e.g., USDT, BTC, ETH)
requestedAmount	number	No*	Amount value (fiat or crypto based on amountType)
amountType	number	No*	1 = fiat amount, 2 = crypto amount
address	string	No	Destination wallet address for receiving crypto
network	string	No	Blockchain network (e.g., BSC, ETH, SOL)
payMethodCode	string	No	Payment method code (e.g., BUY_CARD, BUY_P2P, BUY_GOOGLE_PAY, BUY_APPLE_PAY, BUY_PAYPAL, BUY_WALLET, BUY_REVOLUT)
payMethodSubCode	string	No	Payment method sub-code (e.g., card, GOOGLE_PAY, WECHAT)
redirectUrl	string	No	Success redirect URL
failRedirectUrl	string	No	Failure redirect URL
redirectDeepLink	string	No	Deep link for success (mobile apps)
failRedirectDeepLink	string	No	Deep link for failure (mobile apps)
customization	object	No	Custom configuration object (see Customization section below)
destContractAddress	string	No	Destination contract address (for Onchain-Pay Easy mode)
destContractABI	string	No	Contract ABI name (for Onchain-Pay Easy mode)
destContractParams	object	No	Contract parameters (for Onchain-Pay Easy mode)
affiliateCode	string	No	Affiliate code for commission tracking
gtrTemplateCode	string	No	GTR template code (e.g., OTHERS)
contractAddress	string	No	Token contract address (for non-native tokens)

* Either fiatAmount or (requestedAmount + amountType) should be provided. If fiatCurrency is not provided, the system will auto-select available fiat currencies.

Response Example:

json

{
  "code": "000000",
  "message": "success",
  "data": {
    "link": "https://app.binance.com/uni-qr/ccnt?...",
    "linkExpireTime": 1772852565045
  },
  "success": true
}

Get Order (order)

Parameter	Type	Required	Description
externalOrderId	string	Yes	The external order ID to query

---

Customization Options

The customization field in pre-order API accepts various flags to customize the buy flow behavior. Each merchant must have the corresponding permission configured in db.merchant_info table.

Available Customization Flags

Flag	Code	Type	Availability	Description	Use Case
LOCK_ORDER_ATTRIBUTES	1	array	Open API ✓	Lock specific order attributes so users cannot modify them. Values: 1=fiat currency, 2=crypto currency, 3=amount, 4=payment method, 5=network, 6=address, 7=fiat amount, 8=crypto amount	Fixed-parameter orders
SKIP_CASHIER	2	boolean	Open API ✓	Skip the cashier page and proceed directly to payment. Reduces user friction in the checkout flow.	Streamlined payment experience
AUTO_REDIRECTION	3	boolean	Open API ✓	Automatically redirect to redirectUrl after order completion without showing success page.	Seamless user experience
HIDE_SEND	6	boolean	Open API ✓	Hide the "Send" tab in the UI. Useful when only buy flow is needed.	Buy-only integration
SEND_PRIMARY	7	boolean	Open API ✓	Enable Send Crypto feature. If user's Binance balance is insufficient, auto-trigger buy flow first.	Send crypto to external address
MERCHANT_DISPLAY_NAME	8	string	Open API ✓	Override the display name shown to users in the UI.	Custom branding
NET_RECEIVE	9	boolean	Open API ✓	User receives net amount after deducting all fees. Total cost is more transparent.	Better UX for showing final received amount
P2P_EXPRESS	10	boolean	Open API ✓	Enable P2P Express mode for faster P2P order matching.	Quick P2P transactions
OPEN_NETWORK	11	boolean	Web3 only	Allow users to select different networks. Default is locked to pre-selected network. Note: Currently only available for Web3 entrance, not available for Open API.	Multi-network support (Web3 only)
ON_CHAIN_PROXY_MODE	12	boolean	Open API ✓	Enable Onchain-Pay Easy mode. After buying crypto, Onchain-Pay will execute smart contract interaction instead of direct withdrawal to user wallet. Requires destContractAddress, destContractABI, and destContractParams.	Fiat to Smart Contract integration
SEND_PRIMARY_FLEXIBLE	13	boolean	Open API ✓	Flexible Send Primary mode with more options.	Advanced send crypto scenarios

Customization Examples

Example 1: Basic Card Payment

json

{
  "customization": {}
}

Example 2: Onchain-Pay Easy (On-Chain Proxy)

json

{
  "customization": {
    "ON_CHAIN_PROXY_MODE": true,
    "NET_RECEIVE": true,
    "SEND_PRIMARY": true
  },
  "destContractAddress": "0x128...974",
  "destContractABI": "depositFor",
  "destContractParams": {
    "accountType": 2
  }
}

Example 3: Send Crypto

json

{
  "customization": {
    "SEND_PRIMARY_FLEXIBLE": true,
    "SEND_PRIMARY": true
  }
}

Example 4: P2P with Auto Redirection

json

{
  "customization": {
    "AUTO_REDIRECTION": true,
    "P2P_EXPRESS": true
  }
}

Example 5: Lock Order Attributes

json

{
  "customization": {
    "LOCK_ORDER_ATTRIBUTES": [2, 3, 6, 7, 8],
    "MERCHANT_DISPLAY_NAME": "My Custom Brand"
  }
}

Lock attribute codes:

• 2 = Crypto currency
• 3 = Amount
• 6 = Address
• 7 = Fiat amount
• 8 = Crypto amount

Example 6: Net Receive Mode

json

{
  "customization": {
    "NET_RECEIVE": true,
    "SEND_PRIMARY": true
  }
}

Example 7: Hide Send Tab

json

{
  "customization": {
    "HIDE_SEND": true
  }
}

Example 8: Skip Cashier (Direct Payment)

json

{
  "customization": {
    "SKIP_CASHIER": true
  }
}

Important Notes

1. Permission Required: Each customization flag requires merchant permission. Check with admin if a flag is not working.
2. Onchain-Pay Easy: Only supported on BSC network currently. Requires contract integration.
3. Validation: Invalid customization values (e.g., null for MERCHANT_DISPLAY_NAME) will return ILLEGAL_CUSTOMIZATION_VALUE error.
4. Combinations: Some flags work together (e.g., NET_RECEIVE + SEND_PRIMARY), while others are independent.
5. Testing: Use test accounts (connect-gray) for testing customization flags before production.
6. Internal Flags: OPERATION (code 4) and SKIP_WITHDRAW (code 5) are internal use only and should NOT be passed from merchant side.
7. OPEN_NETWORK: Currently only available for Web3 entrance, not available for Open API. Do not use this flag in Open API pre-order requests.
8. Flag Order: Flags are ordered by their internal code (1-13). The code number is used internally for identification.

---

Security

Credential Display Rules

• API Key: Show first 5 + last 4 characters only (e.g., 2zefb...06h)
• PEM Private Key: NEVER display content. NEVER display the file path.
• Client ID: Can be displayed in full.
• Outbound Requests: NEVER send API Key, Private Key, or any credentials to URLs outside the Base URL configured in .local.md.
• File Path Privacy: NEVER display the PEM private key file path to the user in any output or logs.

Credential Storage

Credentials are stored in a .local.md file in the skill directory. This file is user-specific and should NOT be distributed.

Read the .local.md file from the same directory as this SKILL.md to load credentials.

If .local.md does not exist or the requested account is not found, ask the user to provide:

1. Base URL
2. Client ID
3. API Key
4. PEM file path (absolute path)

Then offer to save them to .local.md for future use.

.local.md Format

markdown

## Onchain-Pay Accounts

### prod (default)
- Base URL: https://api.commonservice.io
- Client ID: your-client-id
- API Key: your-api-key
- PEM Path: /absolute/path/to/your/private.pem
- Default Network: your-preferred-network
- Default Address: your-wallet-address
- Description: Production account

The account marked (default) is used automatically. You can define multiple accounts and switch by telling Claude the account name.

---

User Agent Header

Include User-Agent header with the following string: onchain-pay-open-api/0.1.0 (Skill)

---

Agent Behavior

1. If the user asks to call an Onchain-Pay API endpoint, identify which endpoint from the Quick Reference table
2. Ask for any missing required parameters
3. Use stored credentials if available, otherwise ask the user
4. Execute the request using the bundled scripts/sign_and_call.sh
5. Display the response in a readable format
6. If the request fails, show the error and suggest fixes

---

Important Notes for Pre-order API

Timestamp Generation (Cross-platform)

When generating timestamps for the ts parameter and externalOrderId, use the following approach for cross-platform compatibility:

bash

# Generate millisecond timestamp (works on macOS, Linux, BSD)
TIMESTAMP=$(($(date +%s) * 1000))

# Generate unique order ID
ORDER_ID="order$(date +%s)"

DO NOT USE date +%s%3N or date +%s000 as these are not portable:

• date +%s%3N doesn't work on macOS (outputs literal 'N')
• date +%s000 just appends '000' without actual millisecond precision

Order ID Format

The externalOrderId must be a valid string without special characters. Recommended formats:

• order1773744500 (simple numeric suffix)
• order_1773744500 (with underscore separator)
• txn-abc123 (custom prefix with alphanumeric)

Avoid: order_${TIMESTAMP} where TIMESTAMP contains shell variable syntax errors

Example Pre-order Request

bash

# Correct way to create a pre-order
TIMESTAMP=$(($(date +%s) * 1000))
ORDER_ID="order$(date +%s)"

bash /path/to/scripts/sign_and_call.sh \
  "https://api.commonservice.io" \
  "papi/v1/ramp/connect/gray/buy/pre-order" \
  "connect-gray" \
  "your-api-key" \
  "/path/to/private.pem" \
  "{\"externalOrderId\":\"$ORDER_ID\",\"merchantCode\":\"connect-gray\",\"merchantName\":\"YourMerchant\",\"ts\":$TIMESTAMP,\"fiatCurrency\":\"USD\",\"requestedAmount\":100,\"cryptoCurrency\":\"BNB\",\"amountType\":1,\"address\":\"0x...\",\"network\":\"BSC\",\"payMethodCode\":\"BUY_CARD\"}"