How to off-ramp crypto?

MPCVault Off-ramp allows you to convert stablecoins (USDT/USDC) into fiat currency (USD, EUR, etc.) and send the funds to any verified bank account.

It bridges your digital assets with the traditional financial system, enabling real-world usage such as:

Get started in 3 steps:

Complete KYB – Verify your business if you haven’t already.
Add a verified recipient – Ensure the recipient’s bank account is verified.
Create a fiat payment – Initiate the off-ramp process and transfer crypto to fiat.

KYB is required to enable fiat payments. Currently, only business accounts are supported.

Navigate to the Fiat Payment Menu: The org admin navigates to the Fiat payment page and clicks “Get started” to access the KYB page.
Submit Required Documents: Upload all necessary documents and details as prompted.
Await Approval: The verification process may take some time. The fiat payment feature will be unlocked once the review is complete.

You can add individuals or businesses as recipients.

Verification is required before off-ramp can proceed, as per AML regulations.

Go to the Recipients Page: Select the “Recipients” menu and click the ”+ Add a recipients” button in the top right corner.
Submit Required Documents: Upload all necessary documents and details as prompted.
Await Approval: Once approved, the recipient status will change to Verified, allowing you to use this recipient for fiat payment transactions.

After completing KYB and recipient verification, follow these steps:

Go to the New Payment Page: Select the “New payment” menu and click the ”+ New fiat payment” button in the top right corner.
Fill Info: Enter wallet, recipient, source currency, and target currency details.
Confirm and Create Request: After verifying the information, click “Continue” to create a “Fiat payment” signing request.
Sign the Request: Open the MPCVault app to approve and sign the request.

Status	Description	You should
Reviewing order	Your order is under review.	Wait for the review to complete.
Action needed: sign request in App	Fiat payment request created, awaiting your signature.	Open the App and sign within 30 minutes.
Pending on chain	Signing request signed. Transaction is broadcasting.	No action needed.
Processing payout	Transfer to recipient’s bank account in progress.	No action needed.
Completed	Payment completed successfully.	Check your recipient’s bank account.
Failed	Payment failed.	Ensure sufficient crypto & gas, then try again.

Ethereum, Polygon, Solana, Tron

Off-ramp fees include processing and compliance costs.

Before creating a fiat payment, ensure:
- Your wallet holds enough stablecoins (USDC, USDT).
- You have sufficient native tokens (ETH, POL, etc.) to cover gas fees.
Fiat payment requests expire in 30 minutes if not signed. Please sign within this timeframe.
After your crypto is received, fiat payout typically arrives within 2–12 hours. Delays may occur on non-business days.