_Home › Use cases › Neobanks & fintechs_ # 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. **Your interface, fiat-familiar** — crypto plumbing invisible - $4,820.00 · held as USDC · presented as dollars · USD balance - Add money · on-ramp - Withdraw · off-ramp - Pay bills · bill pay [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## 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. ## 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. See the full stack on the [platform overview](/product); the [remittances](/use-cases/remittances) page covers the closely related cross-border audience. ## Questions, answered ### Can a neobank offer crypto features without its own licenses? 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. ### Do users see crypto complexity? Only as much as you choose. Balances, conversion, and delivery can present as familiar money movement in your interface. ### How fast can we launch? 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. [Book a call](https://form.typeform.com/to/lB1zdVfD)