Buy Bitcoin with fiat on OnMeta

Buy Bitcoin with fiat on OnMeta

Ecosystem

// Ecosystem
TL;DR, OnMeta powers fiat on/off-ramps for 80+ web3 apps and over a million users across southeast asia. To bring native Bitcoin to that user base, OnMeta integrated Garden's API; giving every end user across their ecosystem a direct path from fiat to native Bitcoin.

What is OnMeta

OnMeta provides compliant, plug and play fiat on/off-ramp infrastructure for wallets and apps, with local payment support across southeast asia. Wallets, gaming platforms, and apps integrate OnMeta's API or widget once, and inherit the full fiat stack; payment processing, KYC, AML, and local compliance, all handled in the background.

Axie Infinity's Ronin Network, Bitget Wallet (one of Asia's largest self custody wallet), and Onramper (an on-ramp aggregator powering crypto access for hundreds of apps globally) are among the platforms that have integrated it.

The Challenge

Southeast Asia is one of the fastest growing crypto markets in the world, but most fiat on-ramps stop at stablecoins or EVM tokens. Native Bitcoin requires a separate execution layer that most on-ramp stacks aren't built to handle. The alternative is routing users through a CEX withdrawal, which adds steps, reintroduces custody, and breaks the flow for users who just paid with UPI or GCash expecting Bitcoin in their wallet.

OnMeta needed native BTC delivery that could sit cleanly inside their existing order flow, without adding new infrastructure components to their stack or managing swap infrastructure themselves.

"Our job is fiat rails. Every hour spent building swap infrastructure is an hour away from payment methods, compliance, or partner integrations — so when users asked for native Bitcoin, plugging Garden in via API was the obvious call. They handle the BTC leg, we handle the local rails, and our integrators get L1 Bitcoin support without lifting a finger." ~ Nitin Gupta, Business Head at OnMeta

Solution

OnMeta integrated Garden via API to handle the BTC execution leg of their on-ramp flow. OnMeta continues to own fiat processing, KYC, compliance, and payment method support. Garden handles what happens after fiat confirms: converting USDT to native BTC via HTLCs and an independent solver network, directly into the user's wallet.

Every integrator in OnMeta's ecosystem got native BTC support without a single additional integration on their end.

Order Flow

  1. User requests a fiat to BTC quote on OnMeta's platform or any OnMeta integrated application.
  2. OnMeta's quote service fetches the live fiat/USDT rate and, in parallel, queries Garden's API for USDT/BTC, returning a fiat to BTC quote to the user.
  3. User accepts and completes payment via their local payment method.
  4. If payment fails, the user is notified, and the process ends. 
  5. On fiat confirmation, OnMeta calls Garden's API to initiate a swap.
  6. Garden executes the atomic swap via HTLC. The user receives native BTC in their wallet.

By the Numbers

Since going live, the integration has settled over a million dollars in transaction volume across 10,000+ orders, with an average order size of ~$118.

That average matters. It reflects how Bitcoin is actually being bought in these markets, not large transfers, but consistent retail sized purchases from users spending the equivalent of a few thousand rupees or a few hundred pesos at a time. 

Why Garden

Settlement speed 

USDT to BTC swaps settle in under 30 seconds after fiat clears, keeping the overall on-ramp experience competitive with CEX based alternatives despite being fully non custodial.

Bitcoin first

Most protocols treat BTC routes as secondary, built around EVM with Bitcoin added as an afterthought. Garden is built specifically around how Bitcoin works on L1: UTXO handling, HTLC-based settlement, and a solver network designed for native BTC movement, not an EVM bridge that bolted on Bitcoin support.

Non-custodial at the protocol level 

Garden never holds user funds. HTLCs enforce atomic settlement cryptographically. It's not a policy commitment, it's a protocol guarantee. Integrators using Garden's API don't inherit custody risk.

API-first, clean to integrate 

OnMeta plugged Garden in at two points in their existing order flow; quote fetching and swap execution. No solver infrastructure to run, no liquidity pools to seed, no wrapped token systems to manage. Everything Garden does is exposed through the API.

Key Takeaways

  • Over $1 million settled across 10,000+ orders
  • OnMeta's integrators, Ronin, Bitget Wallet, Defi Kingdoms, Onramper, and others get native BTC support without any additional integration on their end
  • Users in southeast asia can now buy L1 Bitcoin directly with UPI, GCash, GrabPay, or bank transfer
  • Garden added as the execution layer via API; OnMeta shipped fiat to BTC without building swap or bridge infrastructure

Ready to add native Bitcoin to your app? Start building with Garden →

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