_Home › Use cases › Wallets & exchanges_ # 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. **Inside your wallet** - Buy USDC with ACH · on-ramp - Cash out to Chase ···4821 · RTP · seconds - Pay mortgage from balance · bill pay [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## 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. ## 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. - **$350M+** processed, June 2026 - **13** blockchain networks - **2 weeks** fomo, kickoff to live [Read the fomo case study](/customers/fomo) ## Questions, answered ### How does a wallet add fiat off-ramping? Integrate the Rails SDK; Rails runs KYC, AML, conversion, and bank delivery. Users cash out in-app to their bank or debit card. ### Does this break self-custody? No. Users keep custody until the moment they convert. ### What does my compliance team have to build? 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. [Book a call](https://form.typeform.com/to/lB1zdVfD)