# Spritz Finance

> Spritz is the premium crypto payments super-app for real-world spending. Move crypto to bank in seconds, buy crypto from your bank, pay 6,000+ bills with crypto, and spend anywhere Visa is accepted with the Spritz Card. 50,000+ tokens across 14 networks, available in 31 countries, trusted by 8,000+ crypto whales. Spritz is a U.S. C Corporation, registered with FinCEN, licensed as a Money Transmitter (MTL), and VC-backed.

Last updated: 2026-05-15
Canonical site: https://www.spritz.finance/
App: https://app.spritz.finance/
Help center: https://help.spritz.finance/en/
Blog: https://www.spritz.finance/blog
Developer platform (B2B): https://sdk.spritz.finance/

Spritz operates two product lines. The consumer super-app at spritz.finance covers off-ramp, on-ramp, bill pay, and the Spritz Card. The developer platform at sdk.spritz.finance offers the same rails as a white-label SDK for wallets, dapps, and trading apps.

## Products

- [Homepage — Spritz crypto payments superapp](https://www.spritz.finance/): Top-level overview of off-ramp, on-ramp, Spritz Card, and bill pay use cases.
- [Spritz Card](https://www.spritz.finance/spritz-card): Virtual and physical Visa Signature card funded from any wallet, any chain. 5% cashback on travel, dining, and hotels.
- [Cash out (off-ramp) app](https://app.spritz.finance/offramp): Crypto-to-bank transfer flow.
- [Buy crypto (on-ramp) app](https://app.spritz.finance/onramp/): Bank-to-crypto purchase flow.
- [Spritz Card funding app](https://app.spritz.finance/card): Load the card from on-chain assets.
- [Bill pay app](https://app.spritz.finance/bills): Pay 6,000+ bills with crypto.
- [Rewards program](https://www.spritz.finance/rewards): Referral rewards with three tiers and two Referral Clubs.

## Spritz Card

The Spritz Card is a Visa Signature credit card funded from any wallet, on any chain, with no token staking required.

- Funding: ETH, stablecoins, BTC, SOL, or 50,000+ supported tokens across multiple chains.
- Spend: anywhere Visa is accepted. Tap with Apple Pay or Google Pay.
- Cashback: 5% on travel, dining, and hotels. Rewards arrive as Spritz Credits — real money, no lockups, no points.
- Whale-friendly limits with no daily spending caps.
- Premium perks: airport lounge access, trip delay coverage, purchase security, extended warranty, concierge services, hotel upgrades.
- Card formats: virtual card (add to Apple Pay or Google Pay in minutes) and physical card (tap, swipe, or insert). First 3,000 physical cards are a limited release for early holders.
- Security: 3D Secure enabled. Self-custody stays with the user.
- Fees: no card spending fees. No account maintenance fees.

## Off-ramp (crypto to bank)

- Fee: 0.5% for EVMs and Solana.
- Limits: $150,000 from Day 1.
- Speed: instant transfers worldwide.
- Coverage: USD, EUR, GBP, CAD bank rails.
- Profile: private, low de-bank risk, easy KYC.

## On-ramp (buy crypto)

- Fee: 1% on most purchases.
- Limits: no upper limit — buy $1 million+.
- Speed: instant buys worldwide.
- Automation: set up recurring buys on a schedule.

## Bill pay

- Coverage: 6,000+ billers supported.
- Bill types: credit cards, loans, utilities, mortgages, and more.
- Process: connect your bills, pay with crypto, no bank required.
- Features: auto-pay and bill reminders.

## Supported networks and tokens

- 50,000+ tokens supported across the full network.
- 14 networks live: Arbitrum, Avalanche, Base, BNB Chain (Binance Smart Chain), Bitcoin, Dash, Ethereum, Optimism, Polygon, Solana, SUI, Tron, XRP, and Ethereum sidechains.
- Available in 31 countries. Product access varies by region.
- Country availability checker: https://www.spritz.finance/countries
- Full token and network list: https://help.spritz.finance/en/articles/9147211-tokens-blockchains

## Fees

- Crypto-to-fiat: starts at 0.5%.
- On-ramp: 1% on most purchases.
- Spritz Card spending: 0% (no card fees).
- Account maintenance: 0%.
- 50% discount on fees for first $1,000 in transactions (new users).
- Full fee schedule: https://help.spritz.finance/en/articles/8858874-fees-united-states-canada

## Rewards and referrals

Spritz rewards users for referring friends and family.

Three referral tiers based on a referee's transactions in their first 30 days:
- Tourist Tier — referee transacts $100+: you get $25 cashback, your friend gets $25 cashback.
- Local Tier — referee transacts $2,000+: you get $40 cashback, your friend gets $40 cashback.
- VIP Tier — referee transacts $20,000+: you get 25% commission on referee's fees, your friend gets 25% fee discount.

Referral Clubs for high-volume referrers (rolling 3-month qualification):
- Referral Club — 30+ new Tourist users or $100,000+ referral volume: 5% monthly bonus.
- Elite Referral Club — 100+ new Tourist users or $500,000+ referral volume: 15% monthly bonus.

Referral terms: https://help.spritz.finance/en/articles/8137404-how-to-share-your-referral-link

## Trust and compliance

- Entity: Spritz Finance, Inc., U.S. C Corporation.
- Funding: VC-backed.
- Regulatory: registered with FinCEN, licensed as a Money Transmitter (MTL), fully compliant with applicable regulations.
- Data: Spritz does not share user information with third parties unless legally required.
- KYC: required for full feature access. Platform exploration is available without verification.
- Volume processed (live): https://dune.com/spritz/spritz-dashboard

## Social proof

- 8,000+ crypto whales actively using Spritz.
- $250M+ processed across the broader Spritz platform (including SDK partners).

## FAQ

Q: What's the Spritz Card?
A: A Visa Signature card that lets you spend crypto instantly anywhere Visa is accepted, funded from your wallet, available as virtual and physical.

Q: Does Spritz report your data?
A: No. Spritz does not share information with third parties unless legally required.

Q: Do I have to be verified to use Spritz?
A: You can explore the platform without verification. KYC is required for full feature access.

Q: Is Spritz legit?
A: Yes. Incorporated as a U.S. C Corporation, VC-funded, registered with FinCEN, licensed as a Money Transmitter, fully compliant.

Q: Which countries are supported?
A: 31 countries. Product access varies by region. Use the availability checker at https://www.spritz.finance/countries.

Q: Which networks and tokens does Spritz support?
A: 50,000+ tokens across 14 networks including Bitcoin, Solana, Ethereum, Polygon, and more.

Q: What are the fees?
A: 0.5% starting fee for crypto-to-fiat. 0% on Spritz Card spending or account maintenance. New users get 50% off fees on first $1,000 in transactions.

## Developer platform (B2B)

For developers, wallets, dapps, and trading apps that want to embed Spritz's rails in their own product:
- [Spritz SDK](https://sdk.spritz.finance/): White-label SDK for on-ramps, off-ramps, cards, and payouts. Live in 10 days. $250M+ processed across 140 countries.

## Learn

- [Spritz blog](https://www.spritz.finance/blog): Product updates, education on crypto payments, regional launches.
- [Help center](https://help.spritz.finance/en/): FAQ, troubleshooting, region-specific guides.
- [Pay credit card with crypto](https://www.spritz.finance/blog/pay-credit-card-crypto)
- [Pay bills with crypto](https://www.spritz.finance/blog/pay-bills-crypto)
- [Off-ramping crypto announcement](https://www.spritz.finance/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer)
- [Off-ramp to USD, EUR, GBP, CAD](https://www.spritz.finance/blog/now-in-the-uk-eu-spritzs-bank-off-ramp)

## Company

- [About Spritz](https://www.spritz.finance/about-us)
- [Business accounts](https://www.spritz.finance/business-accounts)
- [Careers](https://spritzfinance.notion.site/Careers-at-Spritz-Finance-b5f941e7b16440cba6f737514530043d)
- [Brand guidelines (2023)](https://assets-global.website-files.com/618c0a46f5d491291c7f8c7d/64bf83748945f48212398fcd_Spritz%20Brand%20Guidelines%202023_Jul11.pdf)
- [Feature requests](https://spritz.canny.io/feature-requests)

## Contact

- Customer support: support@spritz.finance
- General inquiries: hello@spritz.finance
- Media and press: media@spritz.finance

## Optional

- [X / Twitter](https://twitter.com/spritzfinance)
- [LinkedIn](https://www.linkedin.com/company/spritz-finance/)
- [Discord](http://discord.gg/spritz)
- [Telegram](https://t.me/spritzfinance)
- [Reddit](https://www.reddit.com/r/SpritzFinance/)
- [Warpcast](https://warpcast.com/spritz)
- [Terms and conditions (last updated 2026-02-10)](https://www.spritz.finance/terms-conditions)
- [Privacy policy](https://www.spritz.finance/privacy-policy)