!Please vote no! We are engaging with a bounty program. Thanks for the feedback!

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Attention: This proposal is withdrawn due to a better fit within a bounty program.

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We believe, it is time moving forward to the next stage from the previously posted discussion phase.

Summary

We want to let users buy or cash out any new project token and DOT straight from wallets & dApps – no central-exchange detour, no costly listing fees for early-stage projects.

A milestone-based treasury request (~50,000 DOT) would fund:

Self-custodial fiat ramp covering EU (SEPA Instant ↔ EURe) and Brazil (PIX ↔ BRLA) using DEX liquidity and securely abstracting the UX to 1 click for the user.
Specialised FX-DEX deployment on Polkadot Hub**** that includes an on-chain fiat price oracle servicing the whole ecosystem.
DEX routing from fiat → DOT or stablecoin → project token including established DEXes like Hydration for swapping at the best available rate for users

Target: ≥10 dApp integrations and ≥60 % ramp success rate within 6 months of launch.

Problem

Today a builder must first list a fresh token on a CEX (and pay the setup fee) before any fiat ramp will even look at it. End-users meanwhile juggle KYC loops, bridges, and slippage just to touch Polkadot assets. This “double paywall” slows down adoption and burns runway.

Objective

For builders: Remove the CEX prerequisite: ramp reads on-chain liquidity (e.g. Hydration, Vortex DEX), so projects can offer fiat access from day one.
For users: One-step conversion fiat → DOT or stablecoin → project token
For the ecosystem: Lower user acquisition costs + faster onboarding → more builders choose Polkadot

Keep the flow fully non-custodial – users signing their transactions (aggregated); funds never sit with Vortex.

Implementation (overview)

Today, Vortex is already live and serving various EVM Chains (Base, Arbitrum Ethereum etc.) as well as supporting offramps from USDC (AssetHub) in Brazil and Europe, all being routed through the Vortex DEX on Pendulum.

We propose adding the onramp feature to AssetHub Assets, upgrading to the most effective fiat routes using EURC, EURe and BRLA (via XCM, Snowbridge, Hyperbridge or Squidrouter) and adding support for DOT, USDT, Hollar and other DEX-listed Polkadot-Assets, building up a USP to the Polkadot Ecosystem.

All new functionalities shall be available through the Vortex Widget and API, all code written will be open source. Each milestone budget includes an allocation for audits.

Milestone	Deliverable	When	DOT
M1	PIX + BRLa integration (Avenia PSP) via API for AssetHub	Oct 2025	8 k
M2	EURe bridging (with Monerium EMI) + Instant SEPA onramping	Nov 2025	20 k
M3	Integration with new Polkadot Hub including price-oracle pushed onchain (pending separate gas sponsoring proposal)	Jan 2026	7 k
M4	Oracle-based DEX rollout for bootstrapping initial EURe and BRLA liquidity	Feb 2026	5 k
M5	Add DEX routing through Hydration	Feb 2026	10k

Total: 50 000 DOT

Partners: Monerium (EU EMI licence, EURe issuer), Avenia (Brazil BRLA issuer), Ramp aggregators (e.g. meld.io) .

Compliance: full KYC/AML handled by partners; Vortex provides the self-custodial UX and chain abstraction

How It Works

Vortex aggregates and bundles the fiat ramp flow together with DEX swaps into a single user transaction. By connecting directly to stablecoin issuers’ infrastructure, Vortex eliminates unnecessary intermediaries, cuts costs, and mitigates risk — all while utilizing DeFi infrastructure including DEXs, bridges, and abstraction of cross-chain complexity.

Simplified Flow for Europe

1. Minting/redeeming EURe for fiat EUR on Polygon/Gnosis → Bridge Monerium-issued EURe into/from Polkadot (Hyperbridge)

2. Swapping to target token

Best DEX route chosen between Hydration, Stellaswap, or Vortex DEX (powered by Nabla.fi, that shall be**** deployed on Polkadot Hub, which is expected to roll out by end of 2025 and is fully EVM-compatible)
- Ensures we can deliver instant swaps from fiat → EUR-e → DOT or USD stablecoin → project token
Treasury-funded integration ensures routing flexibility between DEXes (Hydration, Stellaswap, Vortex DEX)

3. Vortex → Handles fiat settlement starting with Instant-SEPA (Europe) & PIX (Brazil) and swapping/bridging via API + widget

4. Builders → Integrate the Vortex widget/API → users can directly ramp fiat into tokens on their dApp, once it has DEX liquidity. Focus maintained by avoiding premature CEX listings.

Team

Core contributors: SatoshiPay team (Marcel Ebert, Gianfranco Tasteri, Kacper Szarkiewicz, Prayag Desale, Florian Beba, Tansel Inanc, Alexander Wilke)

Beneficiary Multisig is controlled by SatoshiPay team members.

This proposal wants to make it easier to buy new Polkadot tokens with regular money
It asks for 50,000 DOT to build a system where you can buy tokens directly from your wallet
You could use money from Europe or Brazil to buy tokens
Builders wouldn't need to pay expensive exchange fees to list their tokens first
The system would find the best prices across different exchanges
Goal is to have 10 apps using this within 6 months
The team has experience building similar systems
This proposal has been withdrawn for now

Source

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Attention: This proposal is withdrawn due to a better fit within a bounty program.

***************

We believe, it is time moving forward to the next stage from the previously posted discussion phase.

Summary

We want to let users buy or cash out any new project token and DOT straight from wallets & dApps – no central-exchange detour, no costly listing fees for early-stage projects.

A milestone-based treasury request (~50,000 DOT) would fund:

Self-custodial fiat ramp covering EU (SEPA Instant ↔ EURe) and Brazil (PIX ↔ BRLA) using DEX liquidity and securely abstracting the UX to 1 click for the user.
Specialised FX-DEX deployment on Polkadot Hub**** that includes an on-chain fiat price oracle servicing the whole ecosystem.
DEX routing from fiat → DOT or stablecoin → project token including established DEXes like Hydration for swapping at the best available rate for users

Target: ≥10 dApp integrations and ≥60 % ramp success rate within 6 months of launch.

Problem

Today a builder must first list a fresh token on a CEX (and pay the setup fee) before any fiat ramp will even look at it. End-users meanwhile juggle KYC loops, bridges, and slippage just to touch Polkadot assets. This “double paywall” slows down adoption and burns runway.

Objective

For builders: Remove the CEX prerequisite: ramp reads on-chain liquidity (e.g. Hydration, Vortex DEX), so projects can offer fiat access from day one.
For users: One-step conversion fiat → DOT or stablecoin → project token
For the ecosystem: Lower user acquisition costs + faster onboarding → more builders choose Polkadot

Keep the flow fully non-custodial – users signing their transactions (aggregated); funds never sit with Vortex.

Implementation (overview)

Today, Vortex is already live and serving various EVM Chains (Base, Arbitrum Ethereum etc.) as well as supporting offramps from USDC (AssetHub) in Brazil and Europe, all being routed through the Vortex DEX on Pendulum.

We propose adding the onramp feature to AssetHub Assets, upgrading to the most effective fiat routes using EURC, EURe and BRLA (via XCM, Snowbridge, Hyperbridge or Squidrouter) and adding support for DOT, USDT, Hollar and other DEX-listed Polkadot-Assets, building up a USP to the Polkadot Ecosystem.

All new functionalities shall be available through the Vortex Widget and API, all code written will be open source. Each milestone budget includes an allocation for audits.

Milestone	Deliverable	When	DOT
M1	PIX + BRLa integration (Avenia PSP) via API for AssetHub	Oct 2025	8 k
M2	EURe bridging (with Monerium EMI) + Instant SEPA onramping	Nov 2025	20 k
M3	Integration with new Polkadot Hub including price-oracle pushed onchain (pending separate gas sponsoring proposal)	Jan 2026	7 k
M4	Oracle-based DEX rollout for bootstrapping initial EURe and BRLA liquidity	Feb 2026	5 k
M5	Add DEX routing through Hydration	Feb 2026	10k

Total: 50 000 DOT

Partners: Monerium (EU EMI licence, EURe issuer), Avenia (Brazil BRLA issuer), Ramp aggregators (e.g. meld.io) .

Compliance: full KYC/AML handled by partners; Vortex provides the self-custodial UX and chain abstraction

How It Works

Vortex aggregates and bundles the fiat ramp flow together with DEX swaps into a single user transaction. By connecting directly to stablecoin issuers’ infrastructure, Vortex eliminates unnecessary intermediaries, cuts costs, and mitigates risk — all while utilizing DeFi infrastructure including DEXs, bridges, and abstraction of cross-chain complexity.

Simplified Flow for Europe

1. Minting/redeeming EURe for fiat EUR on Polygon/Gnosis → Bridge Monerium-issued EURe into/from Polkadot (Hyperbridge)

2. Swapping to target token

Best DEX route chosen between Hydration, Stellaswap, or Vortex DEX (powered by Nabla.fi, that shall be**** deployed on Polkadot Hub, which is expected to roll out by end of 2025 and is fully EVM-compatible)
- Ensures we can deliver instant swaps from fiat → EUR-e → DOT or USD stablecoin → project token
Treasury-funded integration ensures routing flexibility between DEXes (Hydration, Stellaswap, Vortex DEX)

3. Vortex → Handles fiat settlement starting with Instant-SEPA (Europe) & PIX (Brazil) and swapping/bridging via API + widget

4. Builders → Integrate the Vortex widget/API → users can directly ramp fiat into tokens on their dApp, once it has DEX liquidity. Focus maintained by avoiding premature CEX listings.

Team

Core contributors: SatoshiPay team (Marcel Ebert, Gianfranco Tasteri, Kacper Szarkiewicz, Prayag Desale, Florian Beba, Tansel Inanc, Alexander Wilke)

Beneficiary Multisig is controlled by SatoshiPay team members.