The best crypto off ramp for a business is the one that pays out on the local bank rail your recipients actually use, holds the licences for the markets you operate in, and fits your model: a B2B treasury account, an embedded API, or a consumer sell widget.
A crypto off ramp converts crypto or stablecoins into fiat and sends that money to a bank account or card. We compared providers on supported fiat rails (SEPA, ACH, SWIFT, Faster Payments, PIX), licences, limits and fees, B2B versus embedded consumer use, and settlement speed. Where a provider does not publish a figure, we say so.
1. BVNK — Stablecoin To Fiat Settlement Across SEPA, SWIFT And ACH
BVNK is a London-based stablecoin payments company founded in 2021 and acquired by Mastercard in a deal that closed in August 2026. BVNK lets businesses accept stablecoins and settle in fiat and pays out in EUR, GBP and USD over SEPA, SWIFT, UK Faster Payments and ACH from one API.
The licence stack is the reason it leads this list. BVNK holds an FCA-supervised EMI licence in the UK, an EMI licence in Malta, MiCA authorization as a crypto-asset service provider in the EU, and money transmitter licences across US states, more than 40 licences and registrations in total. It is strictly B2B: clients must process at least $500,000 a month and have six months of operating history. Settlement runs 24/7, including weekends and bank holidays.
What stands out:
UK, EU and US licences under one provider
EUR, GBP and USD payouts on local rails
24/7 settlement, including bank holidays
Best for: Payment companies, marketplaces and payroll platforms moving at least $500,000 a month between stablecoins and fiat.
Pricing: Custom pricing, not published.
2. Bridge — Stripe-Owned Stablecoin API With Liquidation Addresses
Bridge is a stablecoin infrastructure company owned by Stripe. Its US services run through Bridge Building Inc., and in the EEA through Bridge Building S.A., which Luxembourg’s CSSF authorizes as both a crypto-asset service provider and an electronic money institution.
For off-ramping, Bridge has one of the widest rail lists here: ACH, Same Day ACH, wire and FedNow for USD; SEPA and SEPA Instant for EUR; Faster Payments for GBP; SPEI for MXN; and PIX for BRL. Its liquidation addresses are the feature developers like most. You create a deposit address tied to a bank account, and stablecoins sent to it are converted and paid out automatically.
What stands out:
Liquidation addresses that auto-convert to a bank
PIX and SPEI alongside US and EU rails
CSSF EMI and CASP authorization in the EU
Best for: Fintechs and platforms that want to build stablecoin payouts into their own product through an API.
Pricing: Custom pricing, not published.
3. Ramp Network — MiCA-Authorized Embedded Sell Flow With Published Fees
Ramp Network is an on and off-ramp provider with entities in London, Dublin and Miami. It is authorized under MiCA by the Central Bank of Ireland, registered with the FCA as a cryptoasset firm in the UK, and registered with FinCEN with money transmitter licences in multiple US states. It covers 150+ countries and 120+ crypto assets.
Ramp publishes its sell fees and payout speeds, which makes it easy to evaluate. In the US it pays out over ACH or RTP (as fast as two minutes); in Europe over SEPA or SEPA Instant (as fast as ten seconds); in Mexico over SPEI; and to Visa and Mastercard cards in other countries. Payouts must go to an account in the seller’s own name. It suits platforms whose users are selling, not treasury settlement.
What stands out:
SEPA Instant and RTP payouts in minutes or less
Published fee per payout method
MiCA authorization valid in all 27 EU states
Best for: Wallets and web3 apps that want a regulated sell button with fast bank payouts in the US and EU.
Pricing: 0.99% for ACH, RTP, SEPA and SEPA Instant payouts (minimum $1.99 or €1.99), 2.9% for SPEI and 4.49% for card payouts. Partners may set different pricing.
4. MoonPay — Widest Consumer Payout Choice Including PayPal
MoonPay, founded in 2018, is one of the best-known ramps in crypto. MoonPay USA LLC is a registered money services business, and the company received MiCA authorization from the Dutch AFM in December 2024. It also sells business products, including the MoonPay Enterprise stablecoin API (formerly Iron).
MoonPay’s sell flow offers the most payout variety in this ranking. US sellers can cash out by ACH, to Visa or Mastercard, or to PayPal and Venmo. UK sellers use Faster Payments or PayPal, and euro countries use SEPA, cards or PayPal. Elsewhere, payouts go to Visa cards. There are gaps worth knowing: no withdrawal methods in Texas, and no PayPal or Venmo in New York.
What stands out:
PayPal and Venmo payouts in supported regions
ACH, SEPA and Faster Payments coverage
Enterprise stablecoin API for business flows
Best for: Consumer wallets, exchanges and apps whose users want to cash out to familiar accounts.
Pricing: Fees are shown in the quote at checkout and vary by method and region. Partner pricing is custom.
5. Zero Hash — Embedded Crypto To Fiat Infrastructure With A NY BitLicense
Zero Hash is a Chicago-based infrastructure company founded in 2017. It is not a consumer app. Platforms integrate its APIs to offer crypto under their own brand. Zero Hash LLC is a FinCEN-registered money services business and a money transmitter that can operate in 51 US jurisdictions, holds a New York BitLicense, and is registered with FINTRAC in Canada. It also shows MiCA authorization for the EU.
Its on and off-ramp product moves fiat over ACH, RTP, SEPA or a payment service provider. It supports more than 100 digital assets on 20+ networks. Coverage including New York is a real advantage; the tradeoff is that it suits regulated fintechs with engineering teams, not small merchants.
What stands out:
Licensed in 51 US jurisdictions including New York
White-label off-ramp inside your own product
100+ assets across 20+ networks
Best for: Neobanks, brokers and payment apps that need a regulated crypto to fiat layer across all US states.
Pricing: Custom pricing, not published.
6. Transak — Flat 1% Off-Ramp Fee With Visa Direct Card Payouts
Transak was founded in London in 2019 and has registered entities in the US (NMLS 2362652), the UK, Canada, Australia and Hong Kong. It is ISO 27001 certified and SOC 2 Type II compliant. Its off-ramp is available in 18+ countries for 40+ assets, including USDC and USDT, and wallets such as MetaMask use it for cash-out.
Transak keeps pricing simple: a flat 1% fee on off-ramp transactions, with partners free to add their own fee on top. Payouts go to bank accounts or, through Visa Direct, to cards in near real time. Transak Stream generates one-time deposit addresses that settle automatically to a linked bank account or card. Country coverage for selling is narrower than for buying, so check your target markets.
What stands out:
Flat 1% fee that partners can mark up
Visa Direct for fast card payouts
Auto-settling deposit addresses via Transak Stream
Best for: Web3 apps and wallets that want predictable off-ramp pricing and a revenue share.
Pricing: Flat 1% per off-ramp transaction, plus any partner fee and network costs.
7. Kraken — Business Accounts And OTC With Published Withdrawal Fees
Kraken, operated by Payward, Inc., is a major exchange with business accounts, an OTC desk and Kraken Prime for institutions. It suits a company selling its own crypto treasury into fiat.
Kraken publishes every fiat withdrawal rail with fees, minimums and timing. USD goes out by ACH (free), Fedwire ($4) or RTP; EUR by SEPA or SEPA Instant (around €1); GBP by Faster Payments (£1.95); plus SWIFT, Canadian EFT, Australian Osko, Swiss SIC, Brazilian PIX (0.5%) and Mexican SPEI (0.5%). Some deposits trigger a withdrawal hold of up to 72 hours.
What stands out:
Published fees for every withdrawal rail
OTC desk for large treasury sales
PIX, SPEI and Osko alongside US and EU rails
Best for: Companies and funds converting their own crypto holdings to fiat in size.
Pricing: Trading fees per Kraken’s schedule. Withdrawal fees range from free (ACH) to $4 (Fedwire), about €1 (SEPA) and £1.95 (Faster Payments).
8. PassimPay — Crypto Revenue Settled To EUR Over SEPA
PassimPay is a B2B crypto payment gateway founded in Poland in 2022. It is built for merchants who accept crypto and then need that revenue in a bank account. It accepts more than 70 cryptocurrencies through an API, hosted invoices and ecommerce plugins, and it is registered as a money services business with FINTRAC in Canada. KYC and AML screening apply to every client.
On the off-ramp side, PassimPay can auto-convert incoming payments to stablecoins to remove price risk, then settle crypto to EUR over SEPA for legal entities. Funds are available once the blockchain confirms, with no holdbacks. It is narrower than the ramps above (EUR only, business accounts only), but for a European merchant it puts acceptance, conversion and settlement in one place, with a dedicated account manager for each client.
What stands out:
Acceptance and EUR settlement in one account
Auto-conversion to stablecoins on receipt
Dedicated account manager per client
Best for: European merchants and online businesses that take crypto payments and want them settled to a euro bank account.
Pricing: Flat 0.5% on accepted payments, 0.2% for auto-conversion to stablecoins. Registration and account maintenance are free.
9. Banxa — MiCA-Authorized Ramp With SEPA And PayID Payouts
Banxa is a Melbourne-based ramp provider founded in 2014. Its EU entity is authorized under MiCA by the Dutch AFM, and US banking services are provided through DART Bank.
Its off-ramp supports custodial and non-custodial setups. Documented payout methods include SEPA for EUR and PayID for AUD, which makes Banxa one of the more practical options for platforms with Australian users. Off-ramp is enabled per partner.
What stands out:
PayID payouts for Australian users
Custodial and non-custodial off-ramp flows
MiCA authorization through the Dutch AFM
Best for: Exchanges and wallets with users in Australia and the EU.
Pricing: Custom pricing based on integration and volume, not published.
10. Onramper — Off-Ramp Aggregator Routing Across Multiple Providers
Onramper is an Amsterdam-based aggregator. It connects your app to several ramp providers through one integration and routes each user to the best option. Its off-ramp product launched in September 2024 with providers including MoonPay, Alchemy Pay and Banxa, and it now advertises eight off-ramps.
The case for an aggregator is coverage and conversion. No single crypto off ramp approves every user in every country, so routing to a fallback provider recovers lost sales. Onramper says it generally adds no fee on top of each provider’s rate and earns referral fees from providers instead. Rails and licences depend on the routed provider.
What stands out:
Several off-ramps behind one integration
Success-based routing to the best quote
No added fee on top of provider rates
Best for: Wallets and dapps with global users that want maximum coverage without integrating each ramp separately.
Pricing: Generally no Onramper fee; end users pay the routed provider’s rate.
How To Choose A Crypto Off-Ramp Provider
Which Fiat Rails Do Your Recipients Need?
Start with where the money has to land. SEPA covers euro accounts, Faster Payments covers the UK, ACH and Fedwire cover the US, PIX covers Brazil and SPEI covers Mexico. A crypto to fiat payment gateway that only supports one of your markets will force you into a second provider, so map rails to recipients first.
Is The Provider Licensed Where You Operate?
In the EU, check for MiCA authorization as a crypto-asset service provider. In the UK, look for FCA registration or an EMI licence. In the US, check money transmitter coverage state by state; New York requires a BitLicense or a trust charter, and several ramps cannot serve New York or Texas.
Do You Need B2B Settlement Or An Embedded Widget?
B2B providers such as BVNK, Bridge, Zero Hash and Kraken settle a business’s own funds or power payouts inside your product. Consumer widgets such as Ramp Network, MoonPay and Transak let your users sell their crypto, with KYC handled by the provider.
How Fast Is Settlement In Practice?
Instant rails (SEPA Instant, RTP, FedNow, Faster Payments, PIX) settle in seconds to minutes; standard SEPA and ACH can take up to two business days. Ask whether the provider settles 24/7 or only on banking days, and whether any holds apply to new accounts or recent deposits.
What Are The Limits And Minimums?
B2B providers often set entry requirements; BVNK, for example, requires at least $500,000 in monthly volume. Consumer ramps set per-transaction and daily limits tied to KYC level.
What Does Crypto To Fiat Really Cost?
Add the provider fee, the FX spread on the conversion, the payout rail fee and network gas. Published fees like Ramp’s 0.99% for bank payouts or Transak’s flat 1% make comparison easy, but the spread can matter as much as the fee.
Conclusion
For businesses moving serious stablecoin volume into bank accounts, BVNK and Bridge lead this ranking on licences and rail coverage, with Zero Hash the strongest choice for regulated US fintechs. Ramp Network, MoonPay and Transak are the better fit when your users are the ones selling, and Kraken suits companies selling their own treasury. PassimPay is a practical option for European merchants that want crypto acceptance and EUR settlement over SEPA in one place.
Whichever crypto off-ramp you choose, match it to your recipients’ rails and your own licensing needs first, then compare all-in cost. Reliable crypto to fiat is about whether the money lands on time in the right account.
