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On-ramp (0): User pays fiat (e.g., STK on PHONE) → receives tokens at user_address.
Off-ramp (1): User spends tokens → receives fiat payout to PHONE/TILL/PAYBILL.
  • PHONE works for both; TILL/PAYBILL are off-ramp only.
  • Allowance required for off-ramp token spending.