_Home › Use cases › Trading & perps_ # Deposits that cost less, withdrawals that build trust Rails gives trading and perps platforms the two flows that decide user lifetime value: low-cost ACH deposits that make small, frequent funding economical, and withdrawals that land in seconds over RTP, minutes to a debit card, or the same business day over ACH. KYC, AML, and transaction monitoring run inside the flow. **The two flows that matter** - $200.00 · via ACH · low cost · deposit - $1,450.00 · RTP · seconds · withdrawal [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Card on-ramp economics punish active traders Card-based funding carries processing costs that make small deposits uneconomical for the platform and expensive for the user. ACH changes the deposit math: costs low enough to let users fund often and in the size they actually want, which is how trading habits form. ## What a trading platform ships with Rails In-app fiat funding over ACH, withdrawals on three speeds, and one KYC that clears the user for both directions. Nothing erodes a trader's trust faster than a withdrawal that stalls; a cash-out that lands in seconds is a retention feature disguised as plumbing. ## Proven with a live partner fomo runs its member funding on Rails: live in two weeks, 500+ transacting users in the first weeks, and a transacting base that keeps compounding as members move money both ways. - **2 weeks** kickoff to live - **500+** transacting users, first weeks - **Seconds** withdrawal speed over RTP, any day of the year [Read the fomo case study](/customers/fomo) ## Questions, answered ### How do trading platforms reduce deposit costs? ACH funding through Rails costs a fraction of card processing, making small and frequent deposits economical. ### How fast are withdrawals? Instant RTP in seconds any day of the year, push to debit in minutes, same-day ACH within the business day. ### Does Rails handle compliance for funding flows? Yes. KYC, AML and sanctions screening, and transaction monitoring are included under Spritz's registered MSB status. ## Fund the trade, not the processor Better deposit math in, faster money out. [Book a call](https://form.typeform.com/to/lB1zdVfD) · [Read the fomo case study](/customers/fomo)