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# 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.

- $350M+ processed (June 2026)
- 13 blockchain networks
- ACH incl. same-day, RTP, push-to-card, wire, bill pay

[Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance)

Rails settles across 13 blockchain networks

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.

- Buy crypto: Money in
- Cash out: Money out
- Pay bills: Bill payment

## 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.

| Build it yourself | Cost |
| --- | --- |
| KYC & onboarding — vendor contracts + ops team | $120K |
| AML & sanctions screening — screening vendor + case reviews | $90K |
| Transaction monitoring — tooling + compliance analysts | $80K |
| Banking relationships — legal + bizdev, 6–12 months alone | $150K |
| Settlement & reconciliation — two payments engineers, full-time | $400K |
| Payment support — staffed team for user money issues | $160K |
| **Total, before your product ships** | **$1M+ · 6–18 mo** |
| **With Rails** | **one integration · included** |

typical year-one estimate

[See what's included](#included)

## Every way money moves

### On-ramp

Let users buy crypto straight into their own wallet, with deposits that convert automatically.

### Off-ramp

Let users cash out crypto to their bank account, with same-day ACH, RTP, push-to-card, and wire.

### Bill pay

Let users pay credit cards, utilities, and other real bills directly with stablecoins.

### Embedded wallets

Give your users non-custodial wallets, backed by the same platform that powers the Spritz consumer app.

### Cards (Coming soon)

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).

[Explore all products](/product)

## 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.
>
> — Paul Erlanger, Co-founder, fomo

- **2 weeks** Time to live
- **500+** Users who withdrew
- **$180K+** Withdrawn to banks

[Read the fomo case study](/customers/fomo)

## 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.

```ts
// offramp.ts
import { SpritzApiClient, Environment } from "@spritz-finance/api-client";

const spritz = SpritzApiClient.initialize({
  environment: Environment.Production,
  integrationKey: INTEGRATOR_KEY,
});

// Quote an off-ramp: USDC on Base → USD over same-day ACH
const quote = await spritz.quotes.create({
  input: { token: "USDC", network: "base", amount: "500" },
  output: { currency: "USD", rail: "ach_same_day" },
  bankAccountId: bankAccount.id,
});
```

[Read the docs](https://docs.spritz.finance)

## Questions, answered

### What is Rails by Spritz?

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.

### How long does integration take?

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.

### Do users leave my app to use Rails?

No. Every flow is embedded and white-labeled; your brand stays in front of the user the whole way.

### Is Rails custodial?

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.

[Book a call](https://form.typeform.com/to/lB1zdVfD)