_Home › Use cases › Creator & marketplace payouts_ # Payouts people can spend today Rails lets platforms pay creators, sellers, members, and contributors from crypto or stablecoin balances into real US bank accounts: seconds over instant RTP, minutes to a debit card, or the same business day over ACH. Recipient KYC, AML screening, and delivery run behind one integration. **Payout run · July** — from USDC treasury - $2,340.00 · Maya K. · creator · RTP · arrived in seconds - $860.00 · Jon R. · seller · push to debit · minutes - $1,120.00 · Ana L. · contributor · same-day ACH · today [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Earning onchain still ends at a bank account Creator platforms, marketplaces, and communities increasingly hold treasuries and settle earnings onchain, and their earners still need rent money. When the payout experience is an exchange detour, the platform's best people feel it weekly. The payout rail is part of the product whether you build it or borrow it. ## What a payout platform ships with Rails Recipients onboard once with Rails KYC inside your flow, then every payout lands on the rail they choose. For US recipients, bill pay adds a second option: earnings applied straight to a mortgage, a card balance, or utilities. ## Built for platforms that pay people If your app owes people money and holds it onchain, Rails is the delivery layer. ### Creator & membership platforms Weekly or monthly earnings, delivered as dollars the same day. ### Marketplaces settling in stablecoins Seller payouts from a stablecoin treasury without an exchange detour. ### Onchain organizations Communities and onchain organizations distributing to members and contributors. ## Questions, answered ### How do platforms pay out crypto earnings to a bank account? Through Rails: the platform triggers a payout, Rails runs the recipient's KYC once, converts, and delivers dollars over RTP, push to debit, or same-day ACH. ### Who does KYC, the platform or Rails? Rails runs recipient KYC inside your flow; one verification covers all future payouts. ### What does the recipient experience look like? They choose a destination and speed once; after that, earnings arrive as dollars with nothing crypto-shaped to manage. ## Be the platform that pays like it's 2026 Earnings onchain, spendable the same day. [Book a call](https://form.typeform.com/to/lB1zdVfD)