On-ramp: fiat to crypto

An on-ramp converts fiat into crypto. There are two ways to bring fiat in:

Auto-ramp accounts (this guide): a dedicated deposit account for the user. Anything paid into it over ACH, wire, or SEPA auto-converts to crypto and lands at a wallet address. Good for recurring or third-party funding, like payroll or invoices.
Linked bank on-ramp: link the user’s bank and pull funds on demand via ACH debit.

Before you start

Authenticate as an integrator and act on behalf of a verified user. See Authentication and Onboarding.
Confirm the user’s fiat_to_crypto capability is active. Capabilities tell you whether on-ramp is available and what’s blocking it (see Onboarding).

Create an auto-ramp account

Create a deposit account for the user, pointing at the wallet address, network, and token the converted funds should land in.

curl -X POST https://platform.spritz.finance/v1/auto-ramp-accounts/ \
  -H "Content-Type: application/json" \
  # plus your integrator signing headers and the user's Authorization (see Authentication)
  -d '{
    "address": "0xYourUsersWalletAddress",
    "network": "ethereum",
    "token": "USDC"
  }'

The response includes the fiat deposit instructions the user funds:

{
  "id": "6a43ac369288351e982157b9",
  "status": "active",
  "network": "ethereum",
  "address": "0xYourUsersWalletAddress",
  "token": "USDC",
  "currency": "USD",
  "depositInstructions": {
    "bankName": "...",
    "bankRoutingNumber": "...",
    "bankAccountNumber": "...",
    "bankAddress": "..."
  }
}

Fund it

Share the deposit instructions with whoever funds the account (the user, their employer, a customer). Any deposit that arrives auto-converts to token on network and settles to address. No further API call is needed to trigger the conversion. See What we support for the networks, tokens, and currencies available.

Track conversions

Each deposit that converts produces an on-ramp record. List them, or react to webhooks instead of polling:

curl "https://platform.spritz.finance/v1/on-ramps/" \
  # plus your integrator signing headers and the user's Authorization

The onramp.created, onramp.updated, and onramp.completed events fire as deposits are detected, converted, and delivered.

Linked bank on-ramp

Pull funds from a linked bank account instead.

What we support

Networks, tokens, and currencies.

Get Started

Europe (EEA)

Core Concepts

Use Cases

On-ramp: fiat to crypto

Before you start

Create an auto-ramp account

Fund it

Track conversions

Linked bank on-ramp

What we support

​Before you start

​Create an auto-ramp account

​Fund it

​Track conversions

​Related

Linked bank on-ramp

What we support

Before you start

Create an auto-ramp account

Fund it

Track conversions

Related