> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mpcvault.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Off-Ramp Crypto

> Convert stablecoins to fiat and send funds to any verified bank account.

Convert USDC or USDT to fiat currency (USD, EUR, GBP, etc.) and transfer directly to verified bank accounts.

**Use cases:**

* Withdraw to your business bank account
* Pay vendors or suppliers
* Settle invoices

## Quick Start

1. **Complete KYB** — Verify your business
2. **Add a recipient** — Verify the recipient's bank account
3. **Create a fiat payment** — Convert and transfer

## Step 1: Complete KYB

KYB is required for fiat payments (business accounts only).

1. Go to **Fiat payment** and click **Get started**.
2. Submit required documents.
3. Wait for approval.

## Step 2: Add a Recipient

Recipients (individuals or businesses) must be verified per AML regulations.

1. Go to **Recipients** > **+ Add a recipient**.
2. Submit required documents.
3. Wait for **Verified** status.

<img src="https://mintcdn.com/mpcvault-47/kq3LAw0DIlTzrGcF/guides/30-how-to-off-ramp-crypto/recipient.png?fit=max&auto=format&n=kq3LAw0DIlTzrGcF&q=85&s=7caf52d5ec6a1add865bcc00eb191bda" alt="Add Recipient" width="3470" height="1700" data-path="guides/30-how-to-off-ramp-crypto/recipient.png" />

## Step 3: Create a Fiat Payment

1. Go to **New payment** > **+ New fiat payment**.
2. Enter wallet, recipient, and currency details.
3. Click **Continue** to create the signing request.
4. Sign in the MPCVault app.

<img src="https://mintcdn.com/mpcvault-47/kq3LAw0DIlTzrGcF/guides/30-how-to-off-ramp-crypto/fiatpayment.png?fit=max&auto=format&n=kq3LAw0DIlTzrGcF&q=85&s=d1799b029fb406157ecb3ee88c36433c" alt="Fiat Payment" width="3470" height="1700" data-path="guides/30-how-to-off-ramp-crypto/fiatpayment.png" />

## Order Statuses

| Status            | Description          | Action                       |
| ----------------- | -------------------- | ---------------------------- |
| Reviewing order   | Under review         | Wait                         |
| Action needed     | Awaiting signature   | Sign within 30 minutes       |
| Pending on chain  | Broadcasting         | None                         |
| Processing payout | Transferring to bank | None                         |
| Completed         | Success              | Check bank account           |
| Failed            | Payment failed       | Check balance and gas, retry |

## Supported Options

| Type   | Options                         |
| ------ | ------------------------------- |
| Crypto | USDC, USDT                      |
| Fiat   | USD, EUR, GBP, SGD, AUD, AED    |
| Chains | Ethereum, Polygon, Solana, Tron |

## Fees

| Currency  | Paid Plan    | Free Plan    |
| --------- | ------------ | ------------ |
| USD ACH   | \$10 + 0.25% | \$10 + 0.40% |
| USD SWIFT | \$40 + 0.25% | \$40 + 0.40% |
| USD WIRE  | \$35 + 0.25% | \$35 + 0.40% |
| EUR       | \$10 + 0.35% | \$10 + 0.50% |
| GBP       | \$10 + 0.35% | \$10 + 0.50% |
| SGD       | \$10 + 1.00% | \$10 + 1.00% |
| AUD       | \$10 + 1.00% | \$10 + 1.00% |
| AED SWIFT | \$10 + 0.60% | \$10 + 0.75% |

<Note>
  * Ensure sufficient stablecoins and native tokens (for gas) before creating a payment.
  * Signing requests expire in 30 minutes.
  * Fiat payouts typically arrive within 2–12 hours (delays possible on non-business days).
</Note>