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Group capability

Move money between fiat and crypto: in, out, and across borders

A regulated fiat-to-crypto gateway and off-ramp for any business flow, not only pay-by-crypto. Convert in either direction across supported corridors, with local payout on the destination side.

In brief

What is a crypto on/off-ramp?

A crypto on/off-ramp converts fiat into crypto (on-ramp) and crypto back into fiat (off-ramp). Xchange360 runs regulated on/off-ramp across supported corridors with local payout, available directly to any business or embedded into a partner’s branded platform.

The problem

Getting money in and out is where most crypto flows break

On/off-ramp depends on banking relationships and licensing in each market. Without a local off-ramp, value arrives but can’t be used; without a clean on-ramp, treasury can’t fund a position when it needs to.

Regulated ramps with local payout, so value actually lands where it’s needed.

How it works

How it works

1

Tell us the direction

Fiat to crypto or crypto to fiat, the amount, and the destination corridor.

Crypto → FiatFiat → Crypto
€100,000
Destination corridorEUR → NGNAmount, direction, corridor
2

We execute and settle

Conversion and settlement run through Xchange360’s regulated entities with KYC/AML.

Execution
RequestKYC/AMLX360Regulated
Runs through regulated entitiesConversion and settlement
3

Money lands locally

Funds arrive via local payout on the destination side, ready to use.

Local payout
NGN · Local bank₦148,200,000
Ready to useArrives via local payout, destination side

On/off-ramp coverage

Convert either way, settle to local payout

Ramps with real reach

Ramps with real reach

Either direction

On-ramp to fund a flow, off-ramp to realise value. The same desk handles both.

Standalone or embedded

Use it directly, or surface it inside the white-label platform for your own customers.

Corridor coverage

Supported markets with local off-ramps on the destination side, where banking is slow or closed.

Who it’s for

  • Any business converting between fiat and crypto

  • Platforms embedding ramps for their customers

  • Treasuries funding or realising positions at scale

  • Cross-border payout and corridor flows

FAQ

Common questions

Is on/off-ramp only for pay-by-crypto customers?

No. It is a group-wide capability available to any customer for their own flows, and it also powers pay-by-crypto settlement and the white-label platform underneath.

Which corridors and currencies are supported?

Coverage spans supported markets with local off-ramps on the destination side. Which fiat currencies and corridors are live depends on jurisdiction, licensing and eligibility, so talk to the desk for your specific routes.

How is this different from pay-by-crypto?

Pay-by-crypto is about accepting a customer’s payment; the on/off-ramp is about converting your own value between fiat and crypto in either direction. The same regulated rails sit underneath both.

Does my business hold crypto?

Only if you want to. You tell the desk the direction and destination; conversion and settlement run through regulated entities, so you receive fiat or crypto as directed without managing wallets.

Can we embed the ramp in our own platform?

Yes. Use it standalone, or surface it inside the white-label platform under your own brand so your customers ramp in and out without leaving your product.

How fast does an on-ramp or off-ramp settle?

Conversion runs at desk execution and funds arrive via local payout on the destination side, so most ramps complete the same day. The exact speed depends on the corridor and the fiat rail into the destination market. Give the desk your direction and destination and it will confirm expected timing.

What does the on/off-ramp cost?

Pricing is quoted per business based on your needs, with the rate set at execution rather than a spread hidden across intermediaries. There is no per-hop correspondent fee stack. Commercial terms are agreed with the desk for your volumes.

Are there minimum or maximum amounts we can ramp?

The ramp handles business flows of any size, from routine payouts to treasury-scale positions, and large flows are supported. The desk confirms limits during onboarding.

Which stablecoins and crypto assets can we ramp in and out of?

The ramp supports major stablecoins and leading crypto assets in either direction, converting to and from GBP, EUR, USD and other supported fiat currencies. Which assets are live depends on jurisdiction and eligibility. Tell the desk what you need to convert and it will confirm coverage.

Who regulates the conversion and settlement?

Conversion and settlement run through Xchange360’s regulated entities with KYC and AML applied to the flow, which is what makes the ramps ‘regulated’ rather than a peer-to-peer swap. Your own regulatory position depends on your jurisdiction and business model. Raise it early and the desk will walk your structure with you.

How long does onboarding take before we can ramp?

Onboarding involves standard business KYC/KYB and, once complete, the same regulated rails handle both directions with no separate account to set up per flow. Timelines depend on your jurisdiction and the documentation your business requires. The desk will scope onboarding for your entity up front.

Get fiat in and out, where banking won’t reach