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I am building a crypto on-ramp for users in emerging markets that allows users to buy crypto via debit/credit cards, mobile money, etc.

1. What is the flow of buying crypto on behalf of users? From payment to acquiring the cryptocurrency to sending to a user's wallet address.

I'd like some detail if possible.

I've looked at Binance, Blockchain, Bitfinex, Kraken, Gemini APIs as well as other APIs and so far to my understanding, buying would involve creating a trading account with an exchange, filling the account with some amount of money and then calling the exchange's API to make a market order when a user requests so.

2. Am I on the right path or is there a better way to go about this?