Crypto payments your users can live on.
Rails is the payments SDK from Spritz: on-ramp, off-ramp, and real-world bill pay behind one integration and one KYC. Battle-tested on our own consumer app, live for your users in days.
Bitcoin 
Ethereum 
Solana 
Avalanche 
Optimism 
Sui 
Tron 
Dash + 5 more Rails is the complete crypto payments infrastructure from Spritz. One integration and one KYC lets your users buy crypto, cash out to a bank account, and pay real-world bills without leaving your app.
Money in, money out, bills paid. One SDK.
Your users buy crypto with fiat, cash out to their bank, and pay real bills from their balance; every flow happens inside your app, under your brand. Most providers stop at the ramp. Rails completes the loop.
One KYC inside your app — verify once, then every flow is open.
Non-custodial — users buy crypto into their own wallet.
Powered by Rails
Money inBuy crypto KYC completed verified once · in your app verified Verify once, unlock everything
Your user completes KYC one time. That single verification unlocks on-ramp, off-ramp, and bill pay inside your app; no repeated checks as they move between flows, no separate onboarding per product.
The parts you never have to build
KYC and onboarding, AML and sanctions screening, transaction monitoring, banking relationships, settlement and reconciliation, and payment support. Assembled alone, this stack runs $1M+ in year-one costs and takes 6 to 18 months. With Rails it ships in one integration.
See what's included| Build it yourself | typical year-one estimate |
|---|---|
| KYC & onboarding vendor contracts + ops team | $120K est. |
 AML & sanctions screening screening vendor + case reviews | $90K est. |
 Transaction monitoring tooling + compliance analysts | $80K est. |
 Banking relationships legal + bizdev, 6–12 months alone | $150K est. |
 Settlement & reconciliation two payments engineers, full-time | $400K est. |
 Payment support staffed team for user money issues | $160K est. |
| Total, before your product ships | $1M+ · 6–18 mo |
 With Rails | one integration · included |
Every way money moves
Let users buy crypto straight into their own wallet, with deposits that convert automatically.
Learn more Let users cash out crypto to their bank account, with same-day ACH, RTP, push-to-card, and wire.
Learn more
Let users pay credit cards, utilities, and other real bills directly with stablecoins.
Learn more Give your users non-custodial wallets, backed by the same platform that powers the Spritz consumer app.
Learn more
Spend-anywhere cards backed by stablecoins, on the same one-KYC platform.
Bill pay with stablecoins: no other payments SDK offers this (checked July 2026). 
Trusted by teams building real-world finance
fomo went live in two weeks — 500+ users withdrew $180K+ to their banks in the first weeks.
“Spritz is crucial for fomo to unlock a whole new userbase of millions of users.”Read the fomo case study
results, first weeks live Your first API call in minutes
One REST API with webhooks, idempotency, and a full sandbox with simulated rails. Quickstart, API reference, and the api-client are live at docs.spritz.finance.
Read the docs1import { SpritzApiClient, Environment } from "@spritz-finance/api-client";23const spritz = SpritzApiClient.initialize({4 environment: Environment.Production,5 integrationKey: INTEGRATOR_KEY,6});78// Quote an off-ramp: USDC on Base → USD over same-day ACH9const quote = await spritz.quotes.create({10 input: { token: "USDC", network: "base", amount: "500" },11 output: { currency: "USD", rail: "ach_same_day" },12 bankAccountId: bankAccount.id,13});
Questions, answered
Rails is the crypto payments SDK from Spritz: it embeds on-ramp, off-ramp, and real-world bill pay in any app through one API, with KYC, AML, compliance, and transaction monitoring handled for you.
Partners have gone from first line of code to live users in two weeks; the first authenticated API call takes minutes via the quickstart at docs.spritz.finance.
No. Every flow is embedded and white-labeled; your brand stays in front of the user the whole way.
Users buy crypto into their own wallets and pay from their own balances. Rails handles conversion, settlement, and compliance behind the scenes.
Ship crypto payments your users will actually use
Tell us what you're building; we'll map the fastest path to live users.