diff --git a/modules/rflows/components/folk-flows-app.ts b/modules/rflows/components/folk-flows-app.ts
index 2b2f877..66b53af 100644
--- a/modules/rflows/components/folk-flows-app.ts
+++ b/modules/rflows/components/folk-flows-app.ts
@@ -3764,7 +3764,8 @@ class FolkFlowsApp extends HTMLElement {
 				<button id="onramp-close" style="position:absolute;top:8px;right:12px;z-index:10;
 					background:none;border:none;color:white;font-size:24px;cursor:pointer">&times;</button>
 				<iframe src="${url}" style="width:100%;height:100%;border:none"
-					allow="camera;microphone;payment"></iframe>
+					allow="camera;microphone;payment"
+					referrerpolicy="strict-origin-when-cross-origin"></iframe>
 			</div>`;
 
 		document.body.appendChild(modal);
diff --git a/modules/rflows/mod.ts b/modules/rflows/mod.ts
index 2b525eb..f630c28 100644
--- a/modules/rflows/mod.ts
+++ b/modules/rflows/mod.ts
@@ -21,6 +21,88 @@ let _openfort: OpenfortProvider | null = null;
 
 const FLOW_SERVICE_URL = process.env.FLOW_SERVICE_URL || "http://payment-flow:3010";
 
+// ─── Transak API-based widget URL (mandatory since migration) ────
+let _transakAccessToken: string | null = null;
+let _transakTokenExpiry = 0;
+
+async function getTransakAccessToken(): Promise<string> {
+	if (_transakAccessToken && Date.now() < _transakTokenExpiry) return _transakAccessToken;
+
+	const apiKey = process.env.TRANSAK_API_KEY;
+	const apiSecret = process.env.TRANSAK_SECRET;
+	if (!apiKey || !apiSecret) throw new Error("Transak credentials not configured");
+
+	const env = process.env.TRANSAK_ENV || 'PRODUCTION';
+	const baseUrl = env === 'PRODUCTION'
+		? 'https://api.transak.com'
+		: 'https://api-stg.transak.com';
+
+	const res = await fetch(`${baseUrl}/partners/api/v2/refresh-token`, {
+		method: 'POST',
+		headers: {
+			'Content-Type': 'application/json',
+			'api-secret': apiSecret,
+		},
+		body: JSON.stringify({ apiKey }),
+	});
+
+	if (!res.ok) {
+		const text = await res.text();
+		throw new Error(`Transak token refresh failed (${res.status}): ${text}`);
+	}
+
+	const data = await res.json() as any;
+	_transakAccessToken = data.data?.accessToken || data.accessToken;
+	if (!_transakAccessToken) throw new Error("No accessToken in Transak response");
+
+	// Cache for 6 days (tokens valid for 7)
+	_transakTokenExpiry = Date.now() + 6 * 24 * 60 * 60 * 1000;
+	console.log('[rflows] Transak access token refreshed');
+	return _transakAccessToken;
+}
+
+async function createTransakWidgetUrl(params: Record<string, string>): Promise<string> {
+	const accessToken = await getTransakAccessToken();
+	const env = process.env.TRANSAK_ENV || 'PRODUCTION';
+	const gatewayUrl = env === 'PRODUCTION'
+		? 'https://api-gateway.transak.com'
+		: 'https://api-gateway-stg.transak.com';
+
+	const res = await fetch(`${gatewayUrl}/api/v2/auth/session`, {
+		method: 'POST',
+		headers: {
+			'Content-Type': 'application/json',
+			'access-token': accessToken,
+		},
+		body: JSON.stringify({ widgetParams: params }),
+	});
+
+	if (!res.ok) {
+		const text = await res.text();
+		// If token expired, clear cache and retry once
+		if (res.status === 401 || res.status === 403) {
+			_transakAccessToken = null;
+			_transakTokenExpiry = 0;
+			const retryToken = await getTransakAccessToken();
+			const retry = await fetch(`${gatewayUrl}/api/v2/auth/session`, {
+				method: 'POST',
+				headers: {
+					'Content-Type': 'application/json',
+					'access-token': retryToken,
+				},
+				body: JSON.stringify({ widgetParams: params }),
+			});
+			if (!retry.ok) throw new Error(`Transak widget URL failed on retry (${retry.status}): ${await retry.text()}`);
+			const retryData = await retry.json() as any;
+			return retryData.data?.widgetUrl;
+		}
+		throw new Error(`Transak widget URL failed (${res.status}): ${text}`);
+	}
+
+	const data = await res.json() as any;
+	return data.data?.widgetUrl;
+}
+
 function ensureDoc(space: string): FlowsDoc {
 	const docId = flowsDocId(space);
 	let doc = _syncServer!.getDoc<FlowsDoc>(docId);
@@ -180,16 +262,13 @@ routes.post("/api/flows/user-onramp", async (c) => {
 
 		const sessionId = crypto.randomUUID();
 
-		// 2. Transak: build widget URL server-side
+		// 2. Transak: create widget URL via API
 		const transakApiKey = process.env.TRANSAK_API_KEY;
 		if (!transakApiKey) return c.json({ error: "Transak not configured" }, 503);
-		const transakEnv = process.env.TRANSAK_ENV || 'PRODUCTION';
-		const baseUrl = transakEnv === 'PRODUCTION'
-			? 'https://global.transak.com'
-			: 'https://global-stg.transak.com';
-		const params = new URLSearchParams({
+
+		const widgetParams: Record<string, string> = {
 			apiKey: transakApiKey,
-			environment: transakEnv,
+			referrerDomain: 'rspace.online',
 			cryptoCurrencyCode: 'USDC',
 			network: 'base',
 			defaultCryptoCurrency: 'USDC',
@@ -198,9 +277,9 @@ routes.post("/api/flows/user-onramp", async (c) => {
 			email,
 			themeColor: '6366f1',
 			hideMenu: 'true',
-		});
-		if (returnUrl) params.set('redirectURL', returnUrl);
-		const widgetUrl = `${baseUrl}?${params}`;
+		};
+		if (returnUrl) widgetParams.redirectURL = returnUrl;
+		const widgetUrl = await createTransakWidgetUrl(widgetParams);
 
 		console.log(`[rflows] On-ramp session created: provider=transak session=${sessionId} wallet=${wallet.address}`);
 
@@ -255,15 +334,13 @@ routes.get("/api/onramp/config", (c) => {
 	return c.json({
 		provider: "transak",
 		available: ["transak"],
-		apiKey: process.env.TRANSAK_API_KEY || "",
-		environment: process.env.TRANSAK_ENV || "PRODUCTION",
 	});
 });
 
 // Legacy endpoint — keep for backwards compat
 routes.get("/api/transak/config", (c) => {
 	return c.json({
-		apiKey: process.env.TRANSAK_API_KEY || "",
+		provider: "transak",
 		environment: process.env.TRANSAK_ENV || "PRODUCTION",
 	});
 });