Definitions

The Spritz API uses a handful of terms of its own, especially across the API reference. This page defines them and links to where each one is used.

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Parties

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Integrator

You, the company integrating with the Spritz API. You act on behalf of your users. See Authentication.

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User

Your end customer, the person whose money is moving. You onboard users and act on their behalf. See Onboarding.

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Money movement

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On-ramp

Fiat to crypto. Spritz supports on-ramps through auto-ramp accounts (funded by ACH, wire, or SEPA) and through linked bank accounts pulled via ACH debit. See On-ramp and Linked bank on-ramp.

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Off-ramp

Crypto to fiat. A single off-ramp settles to one destination: a bank account, a bill, a Spritz card, or a debit card. See Off-ramp.

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Off-ramp quote

A request to off-ramp to a destination. It captures the intent to pay along with the fulfillment terms, the fees, the amounts, and the address to send crypto to. You create a quote, then fulfill it on-chain. See Off-ramp.

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Deposit

The on-ramp counterpart to an off-ramp quote, for ACH debit. It’s the intent to pull funds from a linked bank account to on-ramp. See Linked bank on-ramp.

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Accounts and destinations

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Bank account

A user’s bank account. It’s a fiat destination for off-ramps, and it can also be offered as a funding source for on-ramps.

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Funding source

A bank account that Spritz can pull funds from to on-ramp, via ACH debit. See Linked bank on-ramp.

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Bill

A biller account, such as a credit card, loan, or utility, used as a fiat destination for off-ramps. See Bill pay.

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Card

A Spritz-issued card (also called a crypto card), funded with crypto and spendable anywhere. It’s also an off-ramp destination. See Cards.

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Debit card

A user’s external debit card, used as a payout destination for off-ramps. See Push to debit card.

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Auto-ramp account

Spritz’s name for a virtual account. It’s a virtual bank account in the user’s name. Send fiat to it, and when the fiat arrives it auto-converts to crypto and delivers it to the wallet address and chain you choose. This is the on-ramp side. See On-ramp.

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Auto-ramp address

The inverse of an auto-ramp account. It’s a blockchain address that auto-off-ramps: send a stablecoin to it and Spritz converts it to fiat and settles it to the linked account. Each payable account (for example a bank account) gets its own auto-ramp address. Currently this is EVM chains only, and it’s the same address on every network Spritz supports.

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Access

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Integrator Connect

Spritz’s OAuth flow that lets an existing Spritz platform user grant you access to act on their behalf, instead of you creating a new user. See Onboarding.

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Environments

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Sandbox

The test environment, with its own base URL and credentials, for building against simulated rails. See Sandbox.