Crypto-to-Bank Off-Ramp
Convert received stablecoins into fiat and settle to a bank account, available via partnered fiat-settlement providers — contact sales for the corridor and currency you need.
Who this is for
| Persona | Typical inbound |
|---|---|
| B2B merchant settling in fiat | ”We collect crypto from customers, but our accounting needs USD in our bank.” |
| Payroll service | ”Pay contractors in crypto or fiat depending on their preference.” |
| OTC desk | ”Off-ramp the stablecoins we collect from clients.” |
| Asia-Pacific merchant | ”Can we settle to a TWD or SGD bank account?” — corridor question, depends on partner coverage. |
Not a fit if you need fiat-to-crypto on-ramp (different problem; not part of this surface), or if you need self-managed bank rails with no settlement-provider intermediary (the off-ramp is delivered through partnered fiat-settlement providers, not a direct ACH or SEPA integration on the KryptoGO side).
What you can ship today
A merchant-facing off-ramp module that converts settled stablecoins into fiat and deposits to a registered bank account, plus a separate registry for the merchant’s own bank-account records used in fiat invoicing.
| Surface | Role |
|---|---|
| Off-ramp module | Provision your organisation with the partnered settlement provider, register the bank accounts that will receive fiat, create transfer requests (crypto in, fiat out), and list past transfers for reconciliation. |
| Studio off-ramp UI | Merchant-facing interface for the above, with status visibility per transfer. |
| Bank-account registry | A separate registry for general merchant bank-account records, used both for fiat-invoice payments (see Invoice approval workflow) and as a reference for treasury operations. |
How it works
1. Onboarding: your organisation is provisioned with the
partnered fiat-settlement provider. This is a one-time
setup that runs alongside the provider's own KYB
onboarding for your business — KryptoGO handles the
technical integration; the provider handles the
regulatory side.
2. Register one or more bank accounts that will receive
fiat settlement, in the currencies the partner supports
for your jurisdiction.
3. For each off-ramp event, create a transfer request.
KryptoGO routes the stablecoin to the partner, the
partner converts and settles to the registered bank
account.
4. Track status via the off-ramp transfer history. Settlement
times are typically one to three business days and depend
on the corridor.The off-ramp module composes naturally with the rest of this bucket. An invoice can be paid in crypto and then off-ramped to fiat. A merchant who runs payouts in stablecoin can off-ramp the surplus from the Fund Pool. The same organisation address that receives a payment intent can be the source of an off-ramp transfer.
Custody model
Stablecoins held in your KryptoGO-managed receive address are routed to the partner provider when an off-ramp transfer is created — see Custody Options. The partner handles the conversion and the bank settlement; KryptoGO surfaces the transfer status and reconciliation data through the off-ramp module.
Compliance posture
Off-ramp settlement runs through partnered fiat-settlement providers that operate under their own regulatory licences in the jurisdictions they cover. KryptoGO’s own posture — Taiwan VASP, ISO 27001 and ISO 27701, SOC 2 Type II, Cure53 — applies to the stablecoin side of the flow; the fiat side inherits the partner’s licences. See Compliance & Certifications for the platform-wide posture.
Chains and tokens supported today
The off-ramp accepts the same stablecoins the rest of the payments surface accepts — USDC and USDT on Arbitrum, Base, Optimism, Solana, and Tron. Fiat currency and corridor coverage depend on the partnered provider for your jurisdiction; contact sales to confirm coverage before scoping.
Typical integration timeline
| Path | Bucket |
|---|---|
| Use Studio’s off-ramp module out of the box, no code | One to three months — provisioning with the partner takes a few weeks regardless of your engineering capacity |
| Direct API integration for programmatic off-ramp | One to three months — partner provisioning and reconciliation logic on your side are the common time sinks |
| New corridor or currency that the current partner does not cover | Needs additional scoping — depends on partner expansion plans |
Bucketed by the framework in Integration Timeline Framework.
Current scope
- The off-ramp module is in production for organisations that have completed provisioning with our partnered fiat-settlement provider.
- Settlement times are typically one to three business days and are determined by the partner.
- Currency and corridor coverage depends on the partner’s footprint for your jurisdiction; we will confirm coverage during scoping.
- A scheduler for recurring off-ramps is not part of the platform today; merchants schedule transfers from their own systems against the API.
- Off-ramp status is currently surfaced through the transfer-history endpoint; push notifications for status changes are on the roadmap.
- The merchant bank-account registry and the off-ramp registered accounts are separate. The first is used for fiat invoice flows; the second is registered with the settlement partner. They serve different purposes by design.
Talk to us
If you need to settle collected stablecoins into a bank account, reach our partnerships team via the address on www.kryptogo.tw . We will confirm partner coverage for your currency and jurisdiction, walk through provisioning, and scope the integration.
Where to go next
- Accept crypto payments — for the inbound side that feeds the off-ramp.
- Invoice approval workflow — for the invoicing flow that often pairs with fiat settlement.
- Supplier payouts — for the outbound stablecoin flow that can be paired with off-ramp on the same Fund Pool.
- Compliance & Certifications — for the regulatory posture of the platform.