Money in: the on-ramp your users stay for
The Rails on-ramp is about bringing cash to your platform, seamlessly. Users link their bank once (ACH debit) and deposit from inside your app — no redirects, no third-party widget. Instant on-ramps deliver crypto in seconds, wire covers high-limit transfers, and low-cost ACH works for small and large volumes alike. Wire, ACH, SEPA — behind one integration. It's an on-ramp architected as a unified deposit layer: Rails owns your whole deposit function, not a single rail.
Deposits belong in your app
Every redirect out of your product is a drop-off point and a branding hand-off. With Rails the deposit happens in your flow, on your screens: the user links their bank once, then funds seamlessly from inside your app — the relationship stays with you, and so does the data on what they do next.
For a trading or perps product the logic compounds: every purchase that starts and ends in your app is one less chance to abandon at a handoff, and low-cost ACH removes the fee pain that pushes users to batch deposits into rare, large events.
One KYC also unlocks off-ramp and bill pay — no repeated checks.
Money in: unified deposits
An on-ramp's purpose is to convert fiat into crypto.
A unified deposit solution's purpose is to drive maximal volume to your app — it takes over the entire deposit function instead of selling you one rail.
Rails is an on-ramp, architected as unified deposits — and it works either way: as your whole deposit layer, or as one rail sitting alongside providers you already use.
- Fragmentation Payment methods can't be surfaced intelligently inside your deposit flow — the on-ramp decides, not your product.
- A second sign-in Users authenticate again with a third party mid-deposit — the step where conversion rates get crushed.
- One-size risk An on-ramp iframe applies the same risk profile to every app, whatever your product actually looks like.
- One flow, every method ACH debit, wire, and SEPA surfaced natively in your own deposit screen — the right rail for each user and amount.
- No second sign-in Users link a bank once and never re-authenticate with anyone else — the deposit stays in your app, on your brand.
- Risk tuned to your app Fiat rails that understand your product's unique risk profile, instead of treating every app the same.
Plays well with others. Rails doesn't have to replace anything — keep your existing providers where they're strong.
Bringing cash to your platform, seamlessly
Wire, ACH, SEPA — one linked bank covers everyday deposits, wire covers the high end, and instant rails deliver in seconds.
| Method | Speed | Limits | Best for |
|---|---|---|---|
| Linked bank (ACH debit) | Instant delivery | High | Seamless in-app deposits — small and large volumes alike |
| Wire | Same business day | Highest | Large, high-limit transfers |
| Instant SEPA | Seconds | High | Euro deposits a user wants now |
| SEPA | Same or next business day | High | Standard euro transfers |
How the on-ramp works
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Your user verifies once
Rails runs KYC in your flow; the same verification later unlocks off-ramp and bill pay inside your app.
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They link a bank and deposit
One bank link (ACH debit), then deposits happen from inside your app — ACH for everyday volumes, wire for high limits, SEPA in Europe.
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Crypto lands in their own wallet
Settlement on supported networks, reconciled automatically. See coverage for the live list.
What partners do with it
fomo uses Rails to move new members from fiat to crypto inside its app; it went live in two weeks and put 500+ users through in the first weeks.
Read the fomo case study- kickoff to live
- 2 weeks kickoff to live
- users in the first weeks
- 500+ users in the first weeks
- processed on the same stack, June 2026
- $350M+ processed on the same stack, June 2026
Questions, answered
An on-ramp API lets an app offer crypto purchases with fiat inside its own interface. Rails provides the API plus the KYC, AML, banking, and settlement operations behind it.
An on-ramp's purpose is to convert fiat into crypto. A unified deposit solution takes over an app's entire deposit function to drive maximal volume: payment methods are surfaced intelligently inside the app's own deposit flow, there is no third-party sign-in, and risk is tuned to the specific app rather than one-size-fits-all. Rails is an on-ramp architected as a unified deposit layer.
Users link their bank once and fund via ACH debit — good for small and large volumes alike. Wire covers high-limit transfers, and SEPA and Instant SEPA cover euro funding.
Instant on-ramps deliver crypto in seconds on supported rails. Wire settles the same business day.
Yes. Use Rails as your whole deposit layer, or as one rail next to providers you already have. Rails doesn't offer a card on-ramp today, so many apps pair it with a card provider — users still see a single deposit screen.
Stablecoins plus a broad range of tokens across 13 blockchain networks. See the product page for the live list.
Pricing depends on volume and scope. Book a call for a quote.
Rails operates under Spritz's registered MSB status.
Put the buy button in your own app
One integration, and your users never fund elsewhere again.