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What is a crypto off-ramp? How crypto is turned back into cash

By SendPay Business · · 2 min read

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A crypto off-ramp is a service that turns crypto back into ordinary money, such as pounds, euros or dollars, and lets you move it to a bank account or card. It is the opposite of an on-ramp, where you buy crypto with cash.

How an off-ramp works

  • You sell crypto on an exchange or app for a currency such as GBP.
  • The cash lands in your account balance with that provider.
  • You withdraw it to your bank account or spend it by card.
  • The provider records the sale for its anti-money-laundering checks.
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Checks and limits

Regulated off-ramps must verify who you are before paying out, and they may ask where the crypto came from for larger amounts. Banks can also ask questions about incoming money from crypto platforms.

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Fees to expect

Off-ramps usually charge a trading fee or a spread on the sale, and sometimes a withdrawal fee. Comparing the amount of cash you actually receive is the simplest way to compare providers.

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Where SendPay fits

A SendPay crypto platform lets your customers buy, sell and hold crypto next to GBP, EUR and USD balances, so cash in and cash out happen in one account. Assets are held with regulated partners, and you set the trading fee.

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How it works

Your own money app
  1. Name it and pick your colours
  2. Choose what it does
  3. Launch when you are ready

Why sign up

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It's all about creating your own financial platform with ease. Start with a free account today.

  • A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
  • Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
  • A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
  • Your own financial platformDesign and preview your whole platform free, then launch when you are ready.
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SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

Questions people ask

What does the spread cost me?

See the gap between buy and sell prices.

Crypto spread calculator →
What is a crypto on-ramp?

How people buy crypto with ordinary money.

On-ramps →
What is KYC and AML?

The identity checks behind every payout.

KYC and AML →
Can I launch my own crypto app?

Yes, with buy, sell and hold next to cash on a branded platform.

See platforms →

Read next

Spotted a mistake or something out of date? and we'll fix it. How our guides are made

This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.