diff --git a/modules/rflows/mod.ts b/modules/rflows/mod.ts
index 1850b02..2a1f4ef 100644
--- a/modules/rflows/mod.ts
+++ b/modules/rflows/mod.ts
@@ -173,7 +173,7 @@ routes.post("/api/flows/user-onramp", async (c) => {
 		const provider = 'transak';
 
 		// 1. Find or create Openfort smart wallet for this user (one wallet per email)
-		const wallet = await _openfort.findOrCreateWallet(`user:${email}`, {
+		const wallet = await _openfort.findOrCreateWallet(email, {
 			type: 'user-onramp',
 			email,
 		});
@@ -241,7 +241,10 @@ routes.post("/api/flows/user-onramp", async (c) => {
 		});
 	} catch (err) {
 		console.error("[rflows] user-onramp failed:", err);
-		const message = err instanceof Error ? err.message : String(err);
+		let message: string;
+		if (err instanceof Error) message = err.message;
+		else if (err && typeof err === 'object') message = JSON.stringify(err);
+		else message = String(err);
 		return c.json({ error: message }, 500);
 	}
 });