> ## 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.

# Limits

> Transaction and daily limits across on-ramps, off-ramps, and bill pay — and how to read them live.

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](https://docs.spritz.finance/guides/amounts.md).

## Off-ramp and bill pay (crypto to fiat)

These are real limits, not samples:

| Flow | Per transaction | Per day |
| - | - | - |
| Off-ramp to a bank account or debit card | \$20,000 | \$150,000 |
| [Bill pay](https://docs.spritz.finance/guides/use-cases/bill-pay.md) | \$10,000 | \$150,000 |

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:

```bash theme={null}
curl "https://platform.spritz.finance/v1/bank-accounts/{id}/payment-limits"
```

```json theme={null}
{ "transactionLimit": "20000.00", "dailyLimit": "150000.00", "dailyRemaining": "150000.00" }
```

`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](https://docs.spritz.finance/guides/use-cases/on-ramp.md) 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:

```bash theme={null}
curl "https://platform.spritz.finance/v1/on-ramps/supported-pairs"
```

Each pair returns its own `minAmount`. See the
[on-ramp guide](https://docs.spritz.finance/guides/use-cases/on-ramp.md#valid-combinations-and-sizes) for the full
request and [Settlement timing](https://docs.spritz.finance/guides/timing.md) for how quickly each rail clears.

### Linked bank on-ramp — ACH debit

Limits for [linked bank on-ramps](https://docs.spritz.finance/guides/use-cases/linked-bank-onramp.md) (ACH debit) are
**specific to the individual user and their account**, so there's no single published
figure. Read them live before every deposit:

```bash theme={null}
curl "https://platform.spritz.finance/v1/funding-sources/{fundingSourceId}/deposit-limits"
```

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.

## Related

> [card] [Off-ramp: crypto to bank](https://docs.spritz.finance/guides/use-cases/off-ramp.md)
>
> Crypto in, fiat out — where the payout limits apply.

> [card] [On-ramp: fiat to crypto](https://docs.spritz.finance/guides/use-cases/on-ramp.md)
>
> Auto-ramp accounts for wire and ACH push funding.

> [card] [Linked bank on-ramp](https://docs.spritz.finance/guides/use-cases/linked-bank-onramp.md)
>
> ACH debit, with per-user deposit limits read live.

> [card] [Amounts and currencies](https://docs.spritz.finance/guides/amounts.md)
>
> How Spritz represents money in every request.


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