Funding covers the ways value gets into a wallet, and how a user moves between assets once it is there. Both happen inside your app, so a user who has just created an embedded wallet does not have to leave to fund it.
There are two paths, and most apps use both.
Onramps
An onramp turns fiat into crypto. The user pays with a card or a bank transfer, and the provider delivers tokens to their wallet.
Dynamic integrates several providers so you can pick on coverage, fees, and the regions you operate in:
Two shapes are worth telling apart:
- Onramp orders create a new purchase, and you track the order through to delivery.
- Exchange transfers move funds a user already holds on an exchange into their wallet. There is no purchase, so the flow is usually shorter.
Swaps
A swap exchanges one token for another from the wallet the user already has. The flow is always the same three steps:
- Quote. Ask for a price, including fees and the expected output.
- Execute. Sign and submit the swap.
- Status. Poll until it settles, since swaps are not instant.
Quote before you execute. A quote is what lets you show the user the rate and fees before they commit to anything.
Choosing between them
Use an onramp when the user has no crypto yet, or not enough of the right token, and needs to bring in outside value. Use a swap when they already hold something and need a different asset. A first-time user of a paid feature often needs both, one after the other.
Next steps
Pick your SDK under Implement in the sidebar for the provider functions and the swap flow. Last modified on September 21, 2026
