> ## 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.

# Spritz Developer Platform

> Spritz is one API for crypto-to-fiat payments (off-ramps, on-ramps, bill pay, cards, and bank rails) with KYC, AML, compliance, and transaction monitoring handled for you.

**Stablecoin orchestration for real-world payments.**

One API to move money between stablecoins and the traditional financial system:
off-ramps, on-ramps, bill pay, cards, and bank rails. Embed crypto-to-fiat payments
into your product without building the rails yourself.

## Why Spritz

Offering crypto-to-fiat payments on your own means assembling and maintaining a long
list of moving parts: banking and payment partners for every rail, KYB and KYC
onboarding, AML and sanctions screening, transaction monitoring, flow-of-funds and
reconciliation, dispute handling and customer support, and a separate contract,
integration, and compliance review for each provider. It can take dozens of contracts
and many months before you move a single dollar.

Spritz stitches all of that together behind one API. You ship whitelabel crypto and
fiat rails inside your own app, without building or owning the compliance and
infrastructure underneath. We handle:

* **Multiple rails, one integration**: ACH, RTP, wire, SEPA, Faster Payments, EFT, and
  cards across regions, behind a single API
* **Onboarding**: KYC and KYB identity verification for your users
* **Compliance**: AML, sanctions screening, and transaction monitoring
* **Banking and payment partners**: the partner relationships behind each rail
* **Flow of funds**: settlement, reconciliation, and movement of money end to end
* **Payment support**: customer support for the payment flows themselves

You integrate once and ship. Spritz keeps the rails, partners, and compliance running
underneath.

## What you can build

<CardGroup cols={2}>
  <Card title="Move money" icon="arrows-left-right" href="/guides/use-cases/off-ramp">
    Convert and settle between stablecoins and fiat: on-ramps, off-ramps, and
    auto-converting deposits.
  </Card>

  <Card title="Banking" icon="building-columns" href="/api-reference">
    Connect and verify the bank accounts where fiat lands.
  </Card>

  <Card title="Bill pay" icon="file-invoice-dollar" href="/guides/use-cases/bill-pay">
    Pay real-world bills directly with stablecoins.
  </Card>

  <Card title="Cards" icon="credit-card" href="/guides/use-cases/cards">
    Issue and fund spend-anywhere cards backed by stablecoins.
  </Card>

  <Card title="Embedded wallets" icon="wallet" href="/guides/use-cases/embedded-wallets">
    Give users non-custodial wallets, with on-chain yield, on the same platform.
  </Card>
</CardGroup>

## How it works

Spritz sits between crypto and the traditional financial system. Your platform
calls one REST API; Spritz handles conversion, settlement, compliance, and the
underlying bank, card, and blockchain rails.

<Steps>
  <Step title="Authenticate">
    Authenticate your platform and act on behalf of your users. See
    [Authentication](/guides/authentication).
  </Step>

  <Step title="Onboard a user">
    Create and verify the people who move money, then connect their bank accounts
    or wallets.
  </Step>

  <Step title="Move money">
    Convert stablecoins to fiat (or back), pay bills, or fund a card, then track
    settlement through [webhooks](/guides/webhooks).
  </Step>
</Steps>

## Start here

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/guides/quickstart">
    Make your first authenticated API call in minutes.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference">
    Every endpoint, grouped by domain, with live request examples.
  </Card>
</CardGroup>