> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spritz.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Definitions

> Spritz terms and what they mean.

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](/guides/authentication).

### User

Your end customer, the person whose money is moving. You onboard users and act on their
behalf. See [Onboarding](/guides/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](/guides/use-cases/on-ramp) and
[Linked bank on-ramp](/guides/use-cases/linked-bank-onramp).

### 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](/guides/use-cases/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](/guides/use-cases/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](/guides/use-cases/linked-bank-onramp).

## 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](/guides/use-cases/linked-bank-onramp).

### Bill

A biller account, such as a credit card, loan, or utility, used as a fiat destination
for off-ramps. See [Bill pay](/guides/use-cases/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](/guides/use-cases/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](/guides/use-cases/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](/guides/onboarding#connect-an-existing-spritz-user).

## Environments

### Sandbox

The test environment, with its own base URL and credentials, for building against
simulated rails. See [Sandbox](/guides/sandbox).