> For the complete documentation index, see [llms.txt](https://docs.apacx.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.apacx.io/user-guides/pht-onramp-and-offramp.md).
# PHT Onramp & Offramp
For those who are not familiar with blockchain or prefer to buy PHT by traditional means, we offer an off-chain purchasing flow as follows:
### **1. Create a MoneyBees Account**
To begin with, you will need to create an account on Money Bee by simply providing basic information and completing the verification process.
Once your account is created, you can deposit fiat currency (such as **PHP, USD**, **EUR**, etc.) to purchase PHT tokens. Bank transfer, credit card or cash deposit are all acceptable. Money Bee will transfer the corresponding amount of PHT tokens to your designated wallet address upon receiving the fiat deposit.
PHT can be converted back into fiat currency by the redeeming process any time. Pay the PHT tokens to OTC shops (i.e. Money Bee) and get fiat money in cash, bank accounts or e-wallets.
MoneyBees:
### **2. Deposit Fiat Currency and Purchase PHT Tokens**
Once your account is created, you can deposit fiat currency (PHP) to purchase PHT tokens. Money Bee will transfer the corresponding amount of PHT tokens to your designated wallet address upon receiving the fiat deposit.
### **3. Use PHT for Payments, Remittances, or Savings**
PHT can be used for a variety of purposes in real economy, for example, to make online payments, to settle cross-border remittances, or as savings. The flexibility of PHT makes it an ideal digital currency for daily transactions as well as digital asset allocation.
### **4. Redeem PHT for Fiat Currency Anytime**
PHT can be converted back into fiat currency by the redeeming process any time. Pay the PHT tokens to OTC shops (i.e. MoneyBees) and get fiat money.
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