Bills paid, straight from your app
Rails bill pay lets your users pay real-world bills — mortgages, auto loans, student loans, utilities, and credit cards — directly from their balance in your app. The user picks a bill and pays; Rails converts and delivers dollars to the biller. Available to US users.
Billers receive dollars — nothing crypto-specific reaches them
Bill pay is a habit, and habits retain
On-ramps and off-ramps are transactions; bills are a monthly rhythm. A user who pays a mortgage through your app returns every month by definition, and mortgage and auto loans are the top categories by volume on the Spritz consumer app.
That makes bill pay the strongest retention surface in the Rails lineup: recurring, high-value, and emotionally significant. Nobody churns from the app that pays their mortgage.
Recurring by definition. The app that settles the mortgage becomes infrastructure the user keeps.
How bill pay works
-
Your user connects a bill
Biller search and account linking happen once, in your flow.
-
They pay from their balance
Amount chosen, paid in the tokens they hold.
-
The biller gets dollars
Rails converts and delivers; the user stays in your app the whole time.
The bills a life actually runs on
Not gift cards and top-ups — the recurring, high-value payments that make your app the place money lives.
The payment nobody misses. #1 by volume on the Spritz consumer app.
$2,140.00 · due monthly
Second by volume — a fixed monthly habit that keeps users coming back.
$465.00 · due monthly
Long-lived balances — users who pay them down stay for years.
$310.00 · due monthly
Power, water, internet — small amounts, high frequency, constant touchpoints.
$86.40 · due monthly
Pay the statement from a crypto balance — due every month, without fail.
$250.00 min · due monthly
Every biller receives a normal dollar payment — nothing crypto-specific reaches them.
USD · established railsQuestions, answered
A bill pay API lets an app offer real-world bill payments from a crypto balance. Rails handles biller connection, conversion, compliance, and dollar delivery behind one integration.
Yes. US users connect their lender once and pay from their balance; the lender receives dollars.
No. Bill pay is available to US users only.
No. The single Rails KYC inside your app covers on-ramp, off-ramp, and bill pay.
In dollars, through Rails's established banking rails. Billers see a normal payment; nothing crypto-specific reaches them.
Become the app their life runs on
When the mortgage goes through you, you become infrastructure they keep, month after month.