diff --git a/modules/rflows/lib/openfort.ts b/modules/rflows/lib/openfort.ts
index c69f97d..5aa68b5 100644
--- a/modules/rflows/lib/openfort.ts
+++ b/modules/rflows/lib/openfort.ts
@@ -33,7 +33,7 @@ export class OpenfortProvider {
 
   /**
    * Find an existing wallet by player name, or create a new one.
-   * Ensures one wallet per label (e.g. "user:alice@example.com").
+   * Ensures one wallet per label (e.g. "user-alice@example.com").
    */
   async findOrCreateWallet(label: string, metadata?: Record<string, string>): Promise<WalletInfo> {
     try {
diff --git a/modules/rflows/mod.ts b/modules/rflows/mod.ts
index b449aae..67d2d36 100644
--- a/modules/rflows/mod.ts
+++ b/modules/rflows/mod.ts
@@ -238,7 +238,7 @@ routes.post("/api/flows/user-onramp", async (c) => {
 		if (!onramp) return c.json({ error: "No on-ramp provider available" }, 503);
 
 		// 1. Find or create Openfort smart wallet for this user (one wallet per email)
-		const wallet = await _openfort.findOrCreateWallet(email, {
+		const wallet = await _openfort.findOrCreateWallet(`user-${email}`, {
 			type: 'user-onramp',
 			email,
 		});