---
id: TASK-10
title: Implement Fiat On-Ramp to Bonding Curve Pipeline
status: To Do
assignee: []
created_date: '2026-04-03 21:41'
labels:
  - fiat
  - onramp
  - integration
dependencies:
  - TASK-7
documentation:
  - backlog/docs/402_CRDT_CrossChain_Fiat_Research.md
priority: medium
---

## Description

<!-- SECTION:DESCRIPTION:BEGIN -->
Enable fiat currency to flow directly into community bonding curves.

Phase 1 — USDC Rail (immediate):
- Coinbase Onramp SDK (FundCard widget) → USDC on Base (free, gasless)
- Smart contract wrapper: receives USDC callback → auto-calls bondingCurve.buy()
- User experience: enter dollar amount → receive community tokens
- Coinbase handles KYC/AML — we are NOT an MSB

Phase 2 — Custom Stablecoin via Bridge.xyz:
- Deploy community-branded stablecoin (cUSD) via Bridge.xyz xUSD issuance
- API: POST /v0/transfers for fiat↔stablecoin swaps
- Reserve transparency endpoints for trust
- User flow: fiat → cUSD → bonding curve → community token
- Contact: sales@bridge.xyz for enterprise onboarding

Phase 3 — Direct Token Listing:
- Apply to list community token on Transak (transak.com/token-listing-application)
- Requires: analytics coverage (Elliptic/Chainalysis), exchange liquidity, volume thresholds
- Also apply: Ramp Network (2-week go-live), MoonPay

Alternative aggregator: Onramper routes through cheapest provider per geography.

Regulatory:
- Use licensed onramp to offload MSB/KYC/AML obligations
- Structure community token as utility/governance (not investment)
- GENIUS Act (July 2025) applies if token resembles stablecoin
- Consult counsel before accepting fiat directly into bonding curve
<!-- SECTION:DESCRIPTION:END -->

## Acceptance Criteria
<!-- AC:BEGIN -->
- [ ] #1 Coinbase Onramp widget embedded in community dashboard
- [ ] #2 USDC auto-routes through bonding curve on deposit
- [ ] #3 Bridge.xyz xUSD integration documented and API tested
- [ ] #4 Fiat → community token flow works end-to-end on testnet
<!-- AC:END -->