Rails by Spritz is the full operating stack for crypto payments: KYC and onboarding, AML and sanctions screening, transaction monitoring, banking relationships, settlement and reconciliation, and payment support, delivered behind one integration.
You ship the user experience; Rails runs everything underneath it. The same stack has processed $350M+ in payments volume as of June 2026 and powers the Spritz consumer app every day.
KYC & onboarding included 
AML & sanctions screening included 
Transaction monitoring included 
Banking relationships included 
Settlement & reconciliation included 
Payment support included 
Your users buy crypto into their own wallet with fiat, inside your app; low-cost ACH funding keeps unit economics workable.
Explore on-ramp Your users cash out to their bank: instant RTP in seconds, push to debit in minutes, same-day ACH within the business day.
Explore off-ramp
Your users pay mortgages, auto loans, utilities, and credit cards from their balance. Billers receive dollars. US users only.
Explore bill pay
Virtual and physical cards under your brand, funded from the balance in your app. Early access list open.
Join early accessAn on-ramp API is the easy 20%. The hard 80% is everything regulators, banks, and users expect around it, and that is the part Rails includes by default.
| Capability | What Rails runs for you | What it replaces |
|---|---|---|
| KYC and onboarding | Identity verification once per user, valid across every rail inside your app | A vendor contract, integration, and review queue |
| AML and sanctions screening | Continuous screening on every transaction | A compliance hire plus tooling |
| Transaction monitoring | Risk scoring and flagging in the flow | An in-house rules engine |
| Banking relationships | Established fiat rails and partners | 6 to 18 months of bank negotiations |
| Settlement and reconciliation | Automated payout and ledger matching | Ops headcount and spreadsheet risk |
| Payment support | Users' payment issues handled | A support function you staff |
| Building this stack independently, before the first transaction | $1M+ · 6–18 months | |
Your user completes KYC one time inside your app. That single verification unlocks on-ramp, off-ramp, and bill pay, with no repeated checks as they move between rails. Fewer verification walls means fewer drop-offs, and users who clear KYC actually transact.
Rails is the same infrastructure that runs the Spritz consumer app, processing real cash-outs, card funding, and bill payments for crypto-native users every day. Every failure mode got found and fixed on our own users first; that is the only way payments infrastructure actually gets hardened.
US and European rails are live today, with off-ramp reach across the globe. Tell us your target markets and we'll confirm against live coverage.
On-ramp, off-ramp, and bill pay — ACH, RTP, push-to-card, and wire.
Euro rails supported — SEPA and Instant SEPA, delivering in seconds.
Off-ramp to any Canadian bank account.
On- and off-ramp in 29 more countries with stablecoins.
| Rail | Region | What it's for | Status |
|---|---|---|---|
| ACH, standard and same-day | US | Bank settlement at the user's chosen speed | live |
| RTP | US | Instant settlement where the receiving bank supports it | live |
| Push-to-card | US | Payouts direct to a debit card | live |
| Wire | US | Large, high-limit transfers | live |
| Bill pay | US | Payments direct to credit cards, utilities, and other billers | live |
| Instant SEPA | EU | Euro transfers that land in seconds | live |
| SEPA | EU | Standard euro bank transfers | live |
Every network where Rails has at least one supported asset. "All tokens" means every token above a $1M market cap.
| Network | Off-ramp · US & CA | Bill pay · US | On-ramp · US | Global · 29 countries |
|---|---|---|---|---|
| Ethereum | All tokens | All tokens | USDC & USDT | USDT, USDC, agEUR |
| Solana | All tokens | All tokens | USDC | USDT & USDC |
| Base | All tokens | All tokens | Coming soon | Coming soon |
| Arbitrum One | All tokens | All tokens | USDC | USDT, USDC, agEUR |
| Optimism | All tokens | All tokens | USDC | USDT & USDC |
| Polygon | All tokens | All tokens | USDC | USDT & USDC |
| Avalanche C-Chain | All tokens | All tokens | USDC | Not supported |
| BNB Chain | All tokens | All tokens | Not supported | Not supported |
| Bitcoin | Bitcoin only | Bitcoin only | Not supported | Not supported |
| TRON | USDT & USDC | USDT & USDC | Not supported | USDT |
| Sui | SUI & USDC | SUI & USDC | Not supported | Not supported |
| Celo | Not supported | Not supported | Not supported | cUSD & cEUR |
| Dash | Dash only | Dash only | Not supported | Not supported |
Source: Spritz tokens & blockchains support chart, May 2026. Don't see your chain? Ask us — new networks ship regularly.
Rails is a REST API with SDKs, a sandbox, and quickstart docs. Most teams make their first sandbox call the same day they get keys, and fomo went from kickoff to live in two weeks. Settlement runs across 13 blockchain networks.
Read the docsRails is the crypto payments product from Spritz. One integration gives your app on-ramp, off-ramp, bill pay, and soon cards, with KYC, AML, compliance, banking, settlement, and support included.
No. The SDK is how you integrate; the product includes the licensed money movement, compliance operations, banking relationships, and user payment support that make the payments real.
No. Every flow runs inside your product, under your brand.
fomo went live in two weeks. Timeline depends on your scope; most single-capability integrations are measured in weeks, not quarters.
Spritz operates as a registered money services business and runs KYC, AML, and transaction monitoring.
A 30-minute scoping conversation covering your use case, volumes, and geography, followed by sandbox access and an integration plan with a timeline.
The US and Europe are live today — US rails plus SEPA and Instant SEPA — with Canadian off-ramp and on/off-ramp coverage in 29 more countries.
13 networks: Ethereum, Solana, Base, Arbitrum One, Optimism, Polygon, Avalanche C-Chain, BNB Chain, Bitcoin, TRON, Sui, Celo, and Dash. Fully supported networks cover every token above a $1M market cap.
Bring the user experience; Rails brings the other $1M of the stack.
