Regional Starter Pack
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Koywe

Koywe is a Latin American crypto-finance infrastructure provider offering fiat on/off ramps between local currencies and stablecoins. In Argentina it ramps Argentine pesos (ARS) to USDC on Stellar via local CVU and QR bank-transfer rails.

Region

🇦🇷 Argentina
Currency

ARS

Rails

wirear, qri

Token

USDC

KYC

Required

On-Ramp (ARS → USDC) Off-Ramp (USDC → ARS)

Integration Flow

On-Ramp

  1. Authenticate — Exchange the integration clientId/secret for a JWT scoped to the user email.
  2. Select Payment Method — Fetch ARS payment providers (WIREAR / QRI / Khipu) and let the user pick a rail.
  3. Get Quote — Request an executable ARS → USDC quote for the chosen payment method.
  4. Create On-Ramp Order — Submit the order with the user’s Stellar address; receive CVU instructions or a hosted redirect.
  5. Pay via Local Rail — The user transfers ARS via CVU, or completes the hosted QR/Khipu redirect.
  6. Receive USDC — Koywe delivers USDC to the user’s Stellar wallet once funds settle.

Off-Ramp

  1. Authenticate — Exchange the integration credentials for a user-scoped JWT.
  2. Get Quote — Request an executable USDC → ARS quote.
  3. Create Off-Ramp Order — Submit the order against a registered bank account; receive a Koywe deposit address.
  4. Send USDC — Sign and submit the USDC payment to the Koywe deposit address with Freighter.
  5. Submit Tx Hash — Attach the Stellar transaction hash so Koywe can reconcile the transfer.
  6. Receive ARS — Koywe pays out ARS to the user’s bank account.

Known Issues

  • Koywe does not return a Stellar issuer for USDC (it is network-dependent), so the integration injects PUBLIC_USDC_ISSUER for the active network.
  • The hosted KYC widget URL endpoint is unconfirmed in the sandbox — the client surfaces a clear "not implemented" state until it is wired up. Complete KYC for the test user via the Koywe dashboard.
  • In the sandbox only the Khipu rail reaches DELIVERED (via its test pay page); WIREAR and QRI orders stay in WAITING because there is no fiat-received simulation API.
  • The off-ramp order field name and the submit-tx-hash REST path follow the documented OpenAPI spec but have not been verified end-to-end against the live sandbox.
  • Off-ramp is blocked at bank-account registration: POST /rest/bank-accounts returns a 400 ownership-validation error even for Koywe's own documented DNI↔CVU test pairs. Appears to be a non-functional sandbox validation backend on Koywe's side; awaiting the Koywe team.
  • KYC document numbers are single-use: re-using a whitelisted test DNI on a new account returns "account already exists with that document number", so the small pool of sandbox test identities is quickly exhausted. Account verification status is read live via GET /rest/accounts/{email}/check.

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