Crypto rails for the bank you are building
Rails lets neobanks and fintechs add crypto and stablecoin money movement — buying, cashing out to bank accounts, and paying real bills — as native features under their own brand. The compliance stack, banking relationships, and settlement come included, so the roadmap does not wait on a licensing project.
KYC, AML, monitoring, and settlement run by Rails
Your users already hold crypto; your product pretends they don't
Neobank users increasingly keep part of their net worth in stablecoins and crypto, especially in dollar-scarce markets, and they route around any product that ignores it. Building the bridge in-house means bank negotiations, AML tooling, and monitoring infrastructure — 6 to 18 months of work before the first transaction.
What a neobank ships with Rails
Stablecoin and crypto balances that connect to real money movement: fund from a bank, cash out to a bank on instant or same-day rails, and pay US bills from the balance. Your interface stays fiat-familiar; Rails handles the crypto plumbing invisibly. Card programs join the lineup at cards launch.
-
On-ramp Fund the balance from a bank -
Off-ramp Instant and same-day rails to the bank -
Bill pay US bills paid from the balance -
Cards, when live Programs under your brand Soon
Compliance is the product here
For a regulated or soon-to-be-regulated fintech, the buying decision is the compliance stack, and that is the part Rails treats as core product: KYC once per user, continuous AML and sanctions screening, transaction monitoring, and support. Your team consumes an API; Spritz carries the operational load.
- KYC once per user
- Continuous AML & sanctions screening
- Transaction monitoring
- User payment support
See the full stack on the platform overview ; the remittances page covers the closely related cross-border audience.
Questions, answered
Rails operates under Spritz's registered MSB status and runs the required compliance operations. Confirm your own regulatory posture with counsel; Rails is built to minimize what you must hold yourself.
Only as much as you choose. Balances, conversion, and delivery can present as familiar money movement in your interface.
fomo went live in two weeks; a neobank integration depends on scope, measured in weeks.
Add the rails without becoming a crypto company
Your brand and your product, with Spritz running the machinery underneath.