_Home › Product › Off-ramp_ # Money out: cash-outs your users can plan a life around The Rails off-ramp lets your users convert crypto and receive money in their bank account without leaving your app. Instant bank transfers over RTP land in seconds any day of the year, push to debit lands in minutes, and same-day ACH settles within the business day. Rails handles conversion, compliance, and delivery. **Cash out $500** — USDC → USD - Instant bank transfer · RTP · Chase ···4821 · seconds - Push to debit · Visa debit ···3390 · minutes - Same-day ACH · Chase ···4821 · today [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## How fast users get their money With Rails, you can pick what your users need — and always accomplish the promises. | Rail | Speed | Availability | Best for | | --- | --- | --- | --- | | Instant bank transfer (RTP) | Seconds | Any time, any day | Cash a user wants now | | Push to debit | Minutes | Any time, any day | Money straight onto the spending card | | Same-day ACH | Same business day | Business days, set windows | Bank cash-outs without the multi-day wait | | Standard ACH | 1–3 business days | Business days | Large, non-urgent transfers | | Instant SEPA | Seconds | Any time, any day (EU) | Euro cash-outs a user wants now | | SEPA | Same or next business day | Business days (EU) | Standard euro bank transfers | ## The off-ramp is where trust is won A user who cashes out and sees the money arrive when promised comes back. On the Spritz consumer app, off-ramp is the anchor behavior of the highest-value users, and the same pattern shows up in partner apps: fomo's transacting base grew fastest once members could move money out as easily as in. **Delivered as promised** - +$500.00 · Chase ···4821 · Instant RTP · arrived in 4 seconds · Sun 11:42 pm - +$1,200.00 · Visa debit ···3390 · Push to debit · arrived in 3 minutes · Sat 8:15 am - +$3,400.00 · Chase ···4821 · Same-day ACH · arrived same business day · Tue 2:03 pm [Read the fomo case study](/customers/fomo) ## How the off-ramp works 1. **Your user picks an amount and destination** — Bank account or debit card, saved after the first time. 2. **Rails converts and screens** — AML and transaction monitoring run in the flow, invisibly when nothing is wrong. 3. **Dollars arrive on the rail they chose** — Seconds, minutes, or same business day; reconciliation is automatic on your side. Pairs naturally with the [on-ramp](/product/on-ramp) and [bill pay](/product/bill-pay) — one KYC covers all three. ## Questions, answered ### What is a crypto off-ramp API? An off-ramp API lets an app offer crypto-to-bank cash-outs inside its own interface. Rails provides the conversion, compliance screening, and fiat delivery behind one integration. ### How fast do users receive money? Instant RTP and Instant SEPA transfers land in seconds, push to debit in minutes, and same-day ACH within the business day. Standard ACH takes 1 to 3 business days; SEPA settles same or next business day. ### Which countries are supported? US and European coverage are live today, with more countries covered globally. See the product page for the live list. ### Is it self-custodial? Users keep custody until the moment they convert. ## Make cashing out the best part of your app Money out, at the speed your users already expect from money in. [View docs](https://docs.spritz.finance) · [Read the fomo case study](/customers/fomo)