_Home › Product › Bill pay_ # 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. **Upcoming bills** — paid from USDC balance - Mortgage — Rocket · $2,140.00 · due Aug 1 · paid - Visa credit card · $250.00 min · due Jul 28 · paid - City Power & Light · $86.40 · due Jul 30 · pay now [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## 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. **A monthly rhythm** - May · Mortgage paid · $2,140 - Jun · Mortgage paid · $2,140 - Jul · Mortgage paid · $2,140 ## How bill pay works 1. **Your user connects a bill** — Biller search and account linking happen once, in your flow. 2. **They pay from their balance** — Amount chosen, paid in the tokens they hold. 3. **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. ### Mortgages (Top category) The payment nobody misses. #1 by volume on the Spritz consumer app. ### Auto loans (Top category) Second by volume — a fixed monthly habit that keeps users coming back. ### Student loans Long-lived balances — users who pay them down stay for years. ### Utilities Power, water, internet — small amounts, high frequency, constant touchpoints. ### Credit cards Pay the statement from a crypto balance — due every month, without fail. ### Billers see dollars Every biller receives a normal dollar payment — nothing crypto-specific reaches them. ## Questions, answered ### What is a crypto bill pay API? 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. ### Can users pay a mortgage through my app? Yes. US users connect their lender once and pay from their balance; the lender receives dollars. ### Is bill pay available outside the US? No. Bill pay is available to US users only. ### Do users need separate KYC for bill pay? No. The single Rails KYC inside your app covers on-ramp, off-ramp, and bill pay. ### How do billers receive the money? 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. [Book a call](https://form.typeform.com/to/lB1zdVfD)