> ## 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.

# On-ramp: fiat to crypto

> Bring fiat into crypto with auto-converting deposit accounts.

An [on-ramp](/guides/definitions#on-ramp) converts fiat into crypto. There are two ways
to bring fiat in:

* **[Auto-ramp accounts](/guides/definitions#auto-ramp-account)** (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](/guides/use-cases/linked-bank-onramp)**: 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](/guides/authentication) and [Onboarding](/guides/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](/guides/onboarding#3-read-capabilities)).

## 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.

```bash theme={null}
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:

```json theme={null}
{
  "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](/guides/supported) for the networks, tokens, and currencies
available.

## Track conversions

Each deposit that converts produces an on-ramp record. List them, or react to
[webhooks](/guides/webhooks) instead of polling:

```bash theme={null}
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.

## Related

<CardGroup cols={2}>
  <Card title="Linked bank on-ramp" icon="building-columns" href="/guides/use-cases/linked-bank-onramp">
    Pull funds from a linked bank account instead.
  </Card>

  <Card title="What we support" icon="globe" href="/guides/supported">
    Networks, tokens, and currencies.
  </Card>
</CardGroup>