Settle to a bank account when what you need is fiat
Treasury operations, creator payouts, merchant settlement, finance-team withdrawals. This is the one part of CoinVoyage that is genuinely optional. Plenty of teams never turn it on.
Fiat, without pretending it is simple
Bank rails carry real compliance requirements. The honest version is to show them upfront rather than discover them at payout time.
Optional by design
Settle to any wallet you control and move funds from there. Use the off-ramp APIs only when you want CoinVoyage to coordinate a fiat payout.
Six currencies, local rails
USD over ACH, Same Day ACH, and Wire. EUR over SEPA Instant, falling back to SEPA Credit. GBP over Faster Payments, BRL over Pix, MXN over SPEI, and COP over Bre-B or domestic bank transfer.
Separate ledger events
A completed order means funds reached the destination wallet. A completed off-ramp intent means a later fiat payout finished. Keeping them distinct is what keeps reconciliation honest.
Signed server-side, always
Verification, bank account, and off-ramp intent methods all use your API secret. None of them belong in a browser.
Currencies and settlement timing
USD
US Dollar
ACH, Same Day ACH, Wire · ACH 1-2 business days · Same Day ACH same day before 2:30 PM ET · Wire within 2 hours
EUR
Euro
SEPA Instant, SEPA Credit · Instant within 5 minutes, 24/7 · SEPA Credit 1-3 business days where Instant is unavailable
GBP
British Pound
Faster Payments · Within 30 minutes, 24/7
BRL
Brazilian Real
Pix · Within 30 minutes, 24/7
MXN
Mexican Peso
SPEI · Within 30 minutes, 24/7
COP
Colombian Peso
Bre-B, bank transfer · Bre-B within 30 minutes, 24/7 · Bank transfer on weekdays, within 30 minutes of each cutoff
Timings run from when the payout is sent. Transfers that miss a bank cutoff go out the next business day, payouts over $500,000 can take up to an hour longer, and GBP payouts over £1 million settle over BACS in up to 3 business days. New rails are added on a rolling basis, with additional APAC currencies under evaluation. Moving fiat the other way, when a customer funds an order from a card, is on-ramp.
From verification to bank credit
Four server-side steps, each of which you can drive from your own operations tooling.
01
Complete KYC or KYB
Create a hosted verification link with createOffRampVerification() and poll getOffRampVerificationStatus() for the organization's state.
02
Add a bank account
Register the payout destination with addBankAccount(). Details must match the verified individual or business profile.
03
Create an off-ramp intent
Call createOffRampIntent() from your server with the source currency, amount, bank account ID, withdrawal currency, payment rail, and sender wallet address.
04
Execute and reconcile
If the response includes wallet execution data, the source wallet signs the on-chain transaction. Track status with listOffRampIntents() against your own ledger.
Compliance and coverage
Verification depth
Small flows: one hosted KYC link, ID and a selfie. Larger flows and businesses: proof of address, beneficial ownership, and source of funds where applicable.
USD coverage
All US states except New York for new customers. Businesses incorporated in New York but operating primarily elsewhere may qualify case by case.
EUR coverage
All 36 SEPA jurisdictions, including the EU, EEA, Switzerland, Monaco, San Marino, Andorra, the United Kingdom, and Vatican City.
MiCA notice
USDT is not available to EEA residents. Use USDC or EURC as the stablecoin leg for EEA off-ramps.
Recipient details
Routing and account number or wire instructions (USD), IBAN and BIC (EUR), sort code and account number (GBP), a Pix key plus CPF or CNPJ (BRL), an 18-digit CLABE plus RFC and ID (MXN), a Bre-B key or bank details plus ID (COP).
Restricted jurisdictions
CoinVoyage cannot onboard customers resident or registered in sanctioned jurisdictions. The current list is maintained in the documentation.
Pricing
Depends on the products you use, your volume, and how you settle. Contact us.
Not sure you need the fiat leg?
Most teams start by settling to a wallet they already control. Tell us what you are building and we will tell you honestly whether off-ramp belongs in it.