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Spritz applies limits by direction and by rail. The values below are the defaults that apply to most integrations; the authoritative numbers for a given user are always the ones the API returns. Read limits live and never hardcode them — they can differ from one user to the next and change over time. Every amount is a decimal string.

Off-ramp and bill pay (crypto to fiat)

These are real limits, not samples: The daily limit is shared across all of a user’s payouts — bank off-ramps and bill payments draw from the same $150,000/day, not a separate allowance each. Read the live values per account:
dailyRemaining reflects what’s left today and is shared across the user’s accounts, so read it fresh before a payout rather than deriving it from dailyLimit yourself.

On-ramp (fiat to crypto)

The two on-ramp paths have different limit models.

Auto-ramp accounts — wire and ACH push

Funds pushed into an auto-ramp account over wire, ACH push, FedNow, or SEPA have no upper limit — large transactions are welcome. There is no per-transaction or daily cap on what a user (or their employer or customer) sends in. Each supported pair carries a minimum, which you read — rather than hardcode — from the supported pairs list:
Each pair returns its own minAmount. See the on-ramp guide for the full request and Settlement timing for how quickly each rail clears.

Linked bank on-ramp — ACH debit

Limits for linked bank on-ramps (ACH debit) are specific to the individual user and their account, so there’s no single published figure. Read them live before every deposit:
Validate the user’s amount against the minAmountUsd and maxAmountUsd the response returns, keep the user on the amount screen if they exceed it, and re-read after a blocked attempt. Never hardcode a value or try to infer the policy that produced it.

Raising limits

Limits can be lifted on demand. If a user needs higher off-ramp throughput or larger ACH-debit on-ramps than the defaults allow, Spritz runs standard enhanced due diligence (EDD) and raises the applicable limits for that user or your integration. Reach out to your Spritz contact to start the review.

Off-ramp: crypto to bank

Crypto in, fiat out — where the payout limits apply.

On-ramp: fiat to crypto

Auto-ramp accounts for wire and ACH push funding.

Linked bank on-ramp

ACH debit, with per-user deposit limits read live.

Amounts and currencies

How Spritz represents money in every request.