The fiat layer your wallet is missing
Rails gives wallets and exchanges a complete fiat layer: users buy crypto with ACH, cash out to their bank in seconds over RTP, and pay real-world bills, all inside your app and behind one KYC. Spritz runs the compliance, banking, and support underneath.
No exchange detour. No exit.
Self-custody ends at the bank's front door
A wallet can hold, swap, and stake, and then sends its users to an exchange the moment they need dollars. Every one of those exits is churn risk, lost revenue, and a competitor's onboarding flow. Meeting those fiat needs in-app closes the loop: balances stay, sessions grow, and the exchange never gets introduced.
What a wallet ships with Rails
Money in through low-cost ACH on-ramp, money out through instant RTP, push to debit, and same-day ACH, and bill pay so US users can run real life from self-custody. One integration, one KYC inside your app, and your users never leave for an exchange again.
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On-ramp Low-cost ACH funding into their own wallet -
Off-ramp Instant RTP, push to debit, same-day ACH -
Bill pay Real life run from self-custody, US users -
Cards, when live Spend from balance, under your brand Soon
Built on infrastructure that already serves crypto natives
The Spritz consumer app serves exactly the user a wallet wants to keep: crypto-native, high-balance, living off onchain wealth. Rails is that same infrastructure, exposed to your app. fomo went live in two weeks.
Read the fomo case study- processed, June 2026
- $350M+ processed, June 2026
- blockchain networks
- 13 blockchain networks
- fomo, kickoff to live
- 2 weeks fomo, kickoff to live
Questions, answered
Integrate the Rails SDK; Rails runs KYC, AML, conversion, and bank delivery. Users cash out in-app to their bank or debit card.
No. Users keep custody until the moment they convert.
Rails includes KYC, AML and sanctions screening, and transaction monitoring under Spritz's registered MSB status.
Keep your users when they need dollars
The wallet that handles fiat is the wallet that keeps the balance.