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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.

Parties

Integrator

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

User

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

Money movement

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.

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.

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.

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.

Accounts and destinations

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.

Funding source

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

Bill

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

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.

Debit card

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

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.

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 auto-ramp account has its own auto-ramp address. Currently this is EVM chains only, and it’s the same address on every network Spritz supports.

Access

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.

Environments

Sandbox

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