Consumer vs Business Offramp
Crossmint offers two offramp modalities: Consumer Offramp - Enable end users to convert stablecoins to fiat and receive funds to personal bank accounts or mobile wallets. Individual KYC required. Fiat delivery varies by method (instant to 1-3 business days). Business Offramp - Convert treasury stablecoins to fiat and deposit to corporate bank accounts. Business KYB required. Typically 1-3 business days (ACH) or same day (wire). Choose Consumer if building consumer-facing products where users cash out. Choose Business if converting treasury stablecoins to fiat for corporate operations. Key Features- Global Coverage: Support for multiple currencies and regions, enabling payouts to users worldwide.
- Multiple Payout Methods: Bank transfers (ACH, SEPA, wire) and local payment networks.
- Built-in Compliance: Automated KYC/KYB verification and AML screening integrated into every transaction.
- Instant Settlement: Stablecoin settlements in seconds, with fiat availability based on payout method.
- Unified API: Single integration to access multiple liquidity providers and payout networks.
- Real-time Observability: Monitor all transactions via webhooks, dashboards, and APIs.
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Experience a full working Offramp flow
Use Cases
Remittances (Consumer)
Remittances (Consumer)
Enable recipients to cash out remittances received in stablecoins directly to their local bank accounts or mobile wallets. Crossmint handles all conversion, compliance, and payout orchestration.
- Last-mile delivery: Convert stablecoins to local currencies and deliver to bank accounts, mobile wallets, or cash pickup locations.
- Competitive FX rates: Access institutional-grade foreign exchange rates for optimal conversion.
- Instant settlement: Settle the stablecoin leg instantly, with fiat delivery times based on local rails.
Marketplace Payouts (Consumer)
Marketplace Payouts (Consumer)
Pay sellers, creators, and vendors instantly in their preferred currency. Convert stablecoin earnings to fiat and disburse via bank transfer.
- Automated disbursements: Schedule or trigger payouts via API based on your business logic.
- Multi-currency support: Pay out in local currencies across multiple jurisdictions.
- Reconciliation: Track every conversion and payout with detailed transaction records.
Payroll (Consumer)
Payroll (Consumer)
Enable employees and contractors to receive their earnings in fiat, even when your treasury operates in stablecoins.
- Batch processing: Process multiple payouts simultaneously with a single API call.
- Flexible timing: Schedule payouts or execute them instantly.
- Compliance-ready: All KYC and AML requirements handled automatically.
Gaming & Rewards (Consumer)
Gaming & Rewards (Consumer)
Let users convert in-game earnings or rewards to real-world currency. Crossmint manages the entire flow from stablecoin to local bank account.
Treasury Management (Business)
Treasury Management (Business)
Convert excess stablecoin holdings to fiat for operational expenses or regulatory requirements. Business offramp enables direct deposits to corporate bank accounts.
- Operational expenses: Convert stablecoins to fiat for payroll, rent, supplier payments
- Liquidity management: Optimize cash positions by converting stablecoins to fiat as needed
- Regulatory compliance: Meet minimum fiat reserve requirements or reporting obligations
Why Crossmint Offramp
Global Reach
Access payout networks across 100+ countries through a single API.
Compliance Included
Built-in KYC/KYB, AML screening, sanctions checks, and regulatory reporting.
Simple Integration
RESTful APIs and webhooks for seamless integration into your stack.
Expert Support
Dedicated support and forward deployment engineering assistance.
How It Works
Consumer Offramp Flow
- User Initiates Withdrawal: User requests to convert stablecoins to fiat through your application. You collect their payout details (bank account, etc.) via your UI.
- Create Offramp Order: Submit an offramp request via Crossmint API with the amount, destination currency, and payout method. Crossmint provides a real-time quote with FX rates and fees.
- Compliance Verification: Crossmint automatically verifies KYC status and runs AML screening. If additional information is needed, the user is prompted to complete verification.
- Stablecoin Settlement: User’s stablecoins are transferred to Crossmint’s treasury. Settlement happens instantly on-chain.
- Fiat Conversion & Payout: Crossmint converts stablecoins to fiat through its liquidity network and initiates payout via the selected method. You receive real-time updates via webhooks.
- Completion: User receives fiat in their designated account. Full transaction history and reconciliation data available via API.
Business Offramp Flow
- Business Initiates Conversion: Your company initiates an offramp order to convert stablecoins from your treasury wallet to fiat.
- Create Offramp Order: Submit an offramp request via Crossmint API with the amount, destination currency, and corporate bank account details. Crossmint provides a real-time quote with FX rates and fees.
- Stablecoin Transfer: Authorize the stablecoin transfer from your treasury wallet. Settlement happens instantly on-chain.
- Fiat Conversion: Crossmint converts stablecoins to fiat through its liquidity network.
- Bank Deposit: Funds are deposited to your corporate bank account (ACH: 1-3 business days, Wire: same day).
- Completion & Reconciliation: Full transaction history and reconciliation data available via API for accounting and compliance.
Supported Payout Methods
| Method | Typical Delivery Time | Availability |
|---|---|---|
| Bank Transfer (ACH) | 1-3 business days | United States |
| Bank Transfer (SEPA) | 1-2 business days | European Union |
| Wire Transfer | Same day - 1 business day | Global |
| Local Payment Networks | Varies by country | Regional |
Quickstarts
Consumer Offramp
Enable your end users to convert stablecoins to fiat
Business Offramp
Convert treasury stablecoins to fiat for corporate accounts
Get Started
Enterprise feature. Contact us for access.