# your wallet is the bank now Off-ramp to your bank in seconds. Pay bills, run a card, buy back in — all from self-custody. Everything your bank did, minus the bank. **$350M+** processed [Get Started](https://app.spritz.finance) ## Spritz at a glance - **$150k** day-1 off-ramp limits - **0.5%** USDC fee — no spread - **$1M** single purchase max - **24/7** RTP settlement, holidays included - **FinCEN** registered money transmitter ## off-ramp at size - Wallet → bank in seconds with RTP - Push funds to your debit card or bank account - 24/7 — weekends and holidays included - 0.5% fee for USDC — no spread games [Off-ramp Now](https://app.spritz.finance) > “It’s worked every time.” > > — Ruben, Spritz user, July 2026 No silent holds or long waits in ticket queues. If a transfer ever needs a second look, you get a human — before your money sits in limbo. ## pay real bills - 6,000+ billers — mortgage, cards, tuition - Straight from your wallet, no bank needed - Auto-pay and bill reminders [Pay my Bills Now](https://app.spritz.finance) ## buy without an exchange - Bank account → your wallet, directly - $1 to $1,000,000 per purchase - Any of 50,000+ tokens, 14 networks [Buy Crypto Now](https://app.spritz.finance) ## your bills, on autopilot - Credit cards, mortgage, tuition, utilities - 6,000+ billers, paid straight from self-custody - Auto-pay and reminders — never miss a due date - Amex Platinum — credit card · autopay 1st — $8,450.00 (paid) - Chase Home Mortgage — mortgage · autopay 1st — $6,120.00 (paid) - Gulf Power — utilities · autopay 15th — $310.40 (paid) - Stanford tuition — tuition · due Friday — $12,000.00 (queued) 6,000+ billers supported — any token, any chain [Pay my Bills Now](https://app.spritz.finance) ## the card that spends your stack - Virtual or Physical Visa Signature — works with Apple Pay and Google Pay. - 5% cashback on travel, hotels and dining. - Instant top-up from any token, any chain. [Get the Card](https://app.spritz.finance) ## any token, any chain 50,000+ tokens and 14 networks across 31 countries. Yours included. - Bitcoin - Ethereum - Solana - BNB Chain - Base - Polygon - Avalanche - Arbitrum - Optimism - Sui - XRP - Tron - Dash - Celo ## private by default - Non-custodial. We never hold your keys. - KYC once. Under a minute for most users. - Your data is never sold, never monetized, and there's no unnecessary reporting. ## how the big wallets use spritz > “I use other exchanges, Coinbase, and Coin zoom. i still find spritz to be more cost effective and simpler on ramp and off ramp. The transaction limits are much better.” > > — Clara K, via Trustpilot, May 21, 2026 > “Spritz is a revolutionary way to spend your crypto gains with confidence that Visa Signature is behind it! Any issues are dealt with quickly and efficiently by the help team, big kudos to Ley who is on it.” > > — James Wright, GB, via Trustpilot, Aug 26, 2025 > “Having used them for years, I can say they are consistent and reliable... I recently worked with Ley, who answered my questions quickly and with great expertise.” > > — Roberto, via Trustpilot, Apr 29, 2026 > “Best fee's, best customer service, and the best-in-class speed transfers from crypto to a bank account on the market!” > > — Maddux, via Trustpilot, Dec 1, 2025 > “The ability to pay bills and credit cards directly with crypto. No more moving funds around between platforms or waiting for slow bank transfers.” > > — Majeed, via Trustpilot, Sep 24, 2025 > “Transactions are processed almost immediately. I've had very few issues and when I did, they were handled expeditiously.” > > — Van, via Trustpilot, Apr 2, 2026 > “It has made on and off ramping and bill payments from Crypto to US accounts one click seamless.” > > — Robert, via Trustpilot, Dec 11, 2025 > “What's the big deal with Spritz Finance? Enter @spritzfinance, the smoothest offramp and payment solution for your crypto adventures.” > > — bitsofwealth, @bitsofwealth, via X > “@spritzfinance is probably the single best tool for living all on crypto on the market today. Things have gotten so much easier for me since it launched! Cheers to changing the world.” > > — Joel Valenzuela, @TheDesertLynx, via X > “For those who don't use crypto because ‘you can't pay your mortgage with it’, go check out @spritzfinance. You have no excuse now.” > > — Ray Seymour Jr, @RaySeymourJr, via X > “The best off/onramp in the US. They have Virtual cards, direct bill pay with crypto, the works. Highly recommend @spritzfinance” > > — MartyParty, @martypartymusic, via X > “Spritz is the best thing to happen to altcoin investors. Now you can off ramp via your debit card same day, quick asf.” > > — Derik, @DerikScreen, via X > “Crypto Bill Payment!!! Just paid my friken Water Utility Bill with some $WRLD tokens that have been adding up in my wallet. Smooth process, UI is very slick. @spritzfinance” > > — OTC Shecky, @OtcShecky, via X [Read every review on Trustpilot](https://www.trustpilot.com/review/spritz.finance) ## get paid in crypto. run the business in dollars. For founders, freelancers, and operators whose clients pay in crypto. Verify as a business and everything works the same — your wallet is the back office. - **Revenue → bank** — Client paid in USDC? It's in your bank the same day. Off-ramp what the business needs, hold the rest. - **Business bills** — Pay suppliers, cards, and software straight from the wallet — with statements your accountant will actually accept. - **Business spending** — A Visa for the day-to-day — travel, tools, inventory — topped up from any chain. > “As a Founder and CEO myself of a Crypto company, their onboarding was effortless... When I needed to contact their Support, they replied almost instantly with real people solving real problems.” > > — Mike, scanlan.io, via Trustpilot, Dec 23, 2025 [Get started as a business](https://app.spritz.finance) Business verification available ## FAQ ### What are the fees? 0.5% fee for USDC on EVM networks, 1% on most purchases. No tiers, no spread — the fee is the fee. ### Are there limits? Buy from $1 to $1 million. Off-ramp and bill limits scale with your account as you verify. ### How fast is an off-ramp? Seconds — RTP settles 24/7, weekends and holidays included. Push funds to your debit card or bank account; large wires can take up to one business day. ### Does Spritz report or sell my data? Spritz only shares what is legally required and never sells your data. ### Do I have to be verified? Yes — once, and it takes under a minute for most users. ### Can my business use Spritz? Yes. For stablecoin operations at company scale, see Rails by Spritz — our platform for businesses. ## ready to move for real? One account. Your wallet, your bank, your bills, your card. [Get Started](https://app.spritz.finance) Running a business on stablecoins? Rails by Spritz is our platform for companies. [explore Rails](/)