# Crypto payments your users can live on. Rails is the payments SDK from Spritz: on-ramp, off-ramp, and real-world bill pay behind one integration and one KYC. Battle-tested on our own consumer app, live for your users in days. - $350M+ processed (June 2026) - 13 blockchain networks - ACH incl. same-day, RTP, push-to-card, wire, bill pay [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) Rails settles across 13 blockchain networks Bitcoin, Ethereum, Solana, Avalanche, Optimism, Sui, Tron, Dash, + 5 more Rails is the complete crypto payments infrastructure from Spritz. One integration and one KYC lets your users buy crypto, cash out to a bank account, and pay real-world bills without leaving your app. ## Money in, money out, bills paid. One SDK. Your users buy crypto with fiat, cash out to their bank, and pay real bills from their balance; every flow happens inside your app, under your brand. Most providers stop at the ramp. Rails completes the loop. - **One KYC inside your app** — verify once, then every flow is open. - **Non-custodial** — users buy crypto into their own wallet. - Buy crypto: Money in - Cash out: Money out - Pay bills: Bill payment ## Verify once, unlock everything Your user completes KYC one time. That single verification unlocks on-ramp, off-ramp, and bill pay inside your app; no repeated checks as they move between flows, no separate onboarding per product. ## The parts you never have to build KYC and onboarding, AML and sanctions screening, transaction monitoring, banking relationships, settlement and reconciliation, and payment support. Assembled alone, this stack runs $1M+ in year-one costs and takes 6 to 18 months. With Rails it ships in one integration. | Build it yourself | Cost | | --- | --- | | KYC & onboarding — vendor contracts + ops team | $120K | | AML & sanctions screening — screening vendor + case reviews | $90K | | Transaction monitoring — tooling + compliance analysts | $80K | | Banking relationships — legal + bizdev, 6–12 months alone | $150K | | Settlement & reconciliation — two payments engineers, full-time | $400K | | Payment support — staffed team for user money issues | $160K | | **Total, before your product ships** | **$1M+ · 6–18 mo** | | **With Rails** | **one integration · included** | typical year-one estimate [See what's included](/product) ## Every way money moves ### On-ramp Let users buy crypto straight into their own wallet, with deposits that convert automatically. ### Off-ramp Let users cash out crypto to their bank account, with same-day ACH, RTP, push-to-card, and wire. ### Bill pay Let users pay credit cards, utilities, and other real bills directly with stablecoins. ### Embedded wallets Give your users non-custodial wallets, backed by the same platform that powers the Spritz consumer app. ### Cards (Coming soon) Spend-anywhere cards backed by stablecoins, on the same one-KYC platform. Bill pay with stablecoins: no other payments SDK offers this (checked July 2026). [Explore all products](/product) ## Trusted by teams building real-world finance fomo went live in two weeks — 500+ users withdrew $180K+ to their banks in the first weeks. > Spritz is crucial for fomo to unlock a whole new userbase of millions of users. > > — Paul Erlanger, Co-founder, fomo - **2 weeks** Time to live - **500+** Users who withdrew - **$180K+** Withdrawn to banks [Read the fomo case study](/customers/fomo) ## Your first API call in minutes One REST API with webhooks, idempotency, and a full sandbox with simulated rails. Quickstart, API reference, and the api-client are live at docs.spritz.finance. ```ts // offramp.ts import { SpritzApiClient, Environment } from "@spritz-finance/api-client"; const spritz = SpritzApiClient.initialize({ environment: Environment.Production, integrationKey: INTEGRATOR_KEY, }); // Quote an off-ramp: USDC on Base → USD over same-day ACH const quote = await spritz.quotes.create({ input: { token: "USDC", network: "base", amount: "500" }, output: { currency: "USD", rail: "ach_same_day" }, bankAccountId: bankAccount.id, }); ``` [Read the docs](https://docs.spritz.finance) ## Questions, answered ### What is Rails by Spritz? Rails is the crypto payments SDK from Spritz: it embeds on-ramp, off-ramp, and real-world bill pay in any app through one API, with KYC, AML, compliance, and transaction monitoring handled for you. ### How long does integration take? Partners have gone from first line of code to live users in two weeks; the first authenticated API call takes minutes via the quickstart at docs.spritz.finance. ### Do users leave my app to use Rails? No. Every flow is embedded and white-labeled; your brand stays in front of the user the whole way. ### Is Rails custodial? Users buy crypto into their own wallets and pay from their own balances. Rails handles conversion, settlement, and compliance behind the scenes. ## Ship crypto payments your users will actually use Tell us what you're building; we'll map the fastest path to live users. [Book a call](https://form.typeform.com/to/lB1zdVfD) --- # your wallet is the bank now Off-ramp to your bank in seconds. Pay bills, run a card, buy back in — all from self-custody. Everything your bank did, minus the bank. **$350M+** processed [Get Started](https://app.spritz.finance) ## Spritz at a glance - **$150k** day-1 off-ramp limits - **0.5%** USDC fee — no spread - **$1M** single purchase max - **24/7** RTP settlement, holidays included - **FinCEN** registered money transmitter ## off-ramp at size - Wallet → bank in seconds with RTP - Push funds to your debit card or bank account - 24/7 — weekends and holidays included - 0.5% fee for USDC — no spread games [Off-ramp Now](https://app.spritz.finance) > “It’s worked every time.” > > — Ruben, Spritz user, July 2026 No silent holds or long waits in ticket queues. If a transfer ever needs a second look, you get a human — before your money sits in limbo. ## pay real bills - 6,000+ billers — mortgage, cards, tuition - Straight from your wallet, no bank needed - Auto-pay and bill reminders [Pay my Bills Now](https://app.spritz.finance) ## buy without an exchange - Bank account → your wallet, directly - $1 to $1,000,000 per purchase - Any of 50,000+ tokens, 14 networks [Buy Crypto Now](https://app.spritz.finance) ## your bills, on autopilot - Credit cards, mortgage, tuition, utilities - 6,000+ billers, paid straight from self-custody - Auto-pay and reminders — never miss a due date - Amex Platinum — credit card · autopay 1st — $8,450.00 (paid) - Chase Home Mortgage — mortgage · autopay 1st — $6,120.00 (paid) - Gulf Power — utilities · autopay 15th — $310.40 (paid) - Stanford tuition — tuition · due Friday — $12,000.00 (queued) 6,000+ billers supported — any token, any chain [Pay my Bills Now](https://app.spritz.finance) ## the card that spends your stack - Virtual or Physical Visa Signature — works with Apple Pay and Google Pay. - 5% cashback on travel, hotels and dining. - Instant top-up from any token, any chain. [Get the Card](https://app.spritz.finance) ## any token, any chain 50,000+ tokens and 14 networks across 31 countries. Yours included. - Bitcoin - Ethereum - Solana - BNB Chain - Base - Polygon - Avalanche - Arbitrum - Optimism - Sui - XRP - Tron - Dash - Celo ## private by default - Non-custodial. We never hold your keys. - KYC once. Under a minute for most users. - Your data is never sold, never monetized, and there's no unnecessary reporting. ## how the big wallets use spritz > “I use other exchanges, Coinbase, and Coin zoom. i still find spritz to be more cost effective and simpler on ramp and off ramp. The transaction limits are much better.” > > — Clara K, via Trustpilot, May 21, 2026 > “Spritz is a revolutionary way to spend your crypto gains with confidence that Visa Signature is behind it! Any issues are dealt with quickly and efficiently by the help team, big kudos to Ley who is on it.” > > — James Wright, GB, via Trustpilot, Aug 26, 2025 > “Having used them for years, I can say they are consistent and reliable... I recently worked with Ley, who answered my questions quickly and with great expertise.” > > — Roberto, via Trustpilot, Apr 29, 2026 > “Best fee's, best customer service, and the best-in-class speed transfers from crypto to a bank account on the market!” > > — Maddux, via Trustpilot, Dec 1, 2025 > “The ability to pay bills and credit cards directly with crypto. No more moving funds around between platforms or waiting for slow bank transfers.” > > — Majeed, via Trustpilot, Sep 24, 2025 > “Transactions are processed almost immediately. I've had very few issues and when I did, they were handled expeditiously.” > > — Van, via Trustpilot, Apr 2, 2026 > “It has made on and off ramping and bill payments from Crypto to US accounts one click seamless.” > > — Robert, via Trustpilot, Dec 11, 2025 > “What's the big deal with Spritz Finance? Enter @spritzfinance, the smoothest offramp and payment solution for your crypto adventures.” > > — bitsofwealth, @bitsofwealth, via X > “@spritzfinance is probably the single best tool for living all on crypto on the market today. Things have gotten so much easier for me since it launched! Cheers to changing the world.” > > — Joel Valenzuela, @TheDesertLynx, via X > “For those who don't use crypto because ‘you can't pay your mortgage with it’, go check out @spritzfinance. You have no excuse now.” > > — Ray Seymour Jr, @RaySeymourJr, via X > “The best off/onramp in the US. They have Virtual cards, direct bill pay with crypto, the works. Highly recommend @spritzfinance” > > — MartyParty, @martypartymusic, via X > “Spritz is the best thing to happen to altcoin investors. Now you can off ramp via your debit card same day, quick asf.” > > — Derik, @DerikScreen, via X > “Crypto Bill Payment!!! Just paid my friken Water Utility Bill with some $WRLD tokens that have been adding up in my wallet. Smooth process, UI is very slick. @spritzfinance” > > — OTC Shecky, @OtcShecky, via X [Read every review on Trustpilot](https://www.trustpilot.com/review/spritz.finance) ## get paid in crypto. run the business in dollars. For founders, freelancers, and operators whose clients pay in crypto. Verify as a business and everything works the same — your wallet is the back office. - **Revenue → bank** — Client paid in USDC? It's in your bank the same day. Off-ramp what the business needs, hold the rest. - **Business bills** — Pay suppliers, cards, and software straight from the wallet — with statements your accountant will actually accept. - **Business spending** — A Visa for the day-to-day — travel, tools, inventory — topped up from any chain. > “As a Founder and CEO myself of a Crypto company, their onboarding was effortless... When I needed to contact their Support, they replied almost instantly with real people solving real problems.” > > — Mike, scanlan.io, via Trustpilot, Dec 23, 2025 [Get started as a business](https://app.spritz.finance) Business verification available ## FAQ ### What are the fees? 0.5% fee for USDC on EVM networks, 1% on most purchases. No tiers, no spread — the fee is the fee. ### Are there limits? Buy from $1 to $1 million. Off-ramp and bill limits scale with your account as you verify. ### How fast is an off-ramp? Seconds — RTP settles 24/7, weekends and holidays included. Push funds to your debit card or bank account; large wires can take up to one business day. ### Does Spritz report or sell my data? Spritz only shares what is legally required and never sells your data. ### Do I have to be verified? Yes — once, and it takes under a minute for most users. ### Can my business use Spritz? Yes. For stablecoin operations at company scale, see Rails by Spritz — our platform for businesses. ## ready to move for real? One account. Your wallet, your bank, your bills, your card. [Get Started](https://app.spritz.finance) Running a business on stablecoins? Rails by Spritz is our platform for companies. [explore Rails](/) --- _Home › Product_ # Crypto payments, batteries included Rails by Spritz is the full operating stack for crypto payments: KYC and onboarding, AML and sanctions screening, transaction monitoring, banking relationships, settlement and reconciliation, and payment support, delivered behind one integration. You ship the user experience; Rails runs everything underneath it. The same stack has processed $350M+ in payments volume as of June 2026 and powers the Spritz consumer app every day. **One integration** — running in production - KYC & onboarding · included - AML & sanctions screening · included - Transaction monitoring · included - Banking relationships · included - Settlement & reconciliation · included - Payment support · included [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Four ways money moves, one integration ### On-ramp Your users buy crypto into their own wallet with fiat, inside your app; low-cost ACH funding keeps unit economics workable. ### Off-ramp Your users cash out to their bank: instant RTP in seconds, push to debit in minutes, same-day ACH within the business day. ### Bill pay Your users pay mortgages, auto loans, utilities, and credit cards from their balance. Billers receive dollars. US users only. ### Cards (Coming soon) Virtual and physical cards under your brand, funded from the balance in your app. Early access list open. ## The parts you never have to build An on-ramp API is the easy 20%. The hard 80% is everything regulators, banks, and users expect around it, and that is the part Rails includes by default. | Capability | What Rails runs for you | What it replaces | | --- | --- | --- | | KYC and onboarding | Identity verification once per user, valid across every rail inside your app | A vendor contract, integration, and review queue | | AML and sanctions screening | Continuous screening on every transaction | A compliance hire plus tooling | | Transaction monitoring | Risk scoring and flagging in the flow | An in-house rules engine | | Banking relationships | Established fiat rails and partners | 6 to 18 months of bank negotiations | | Settlement and reconciliation | Automated payout and ledger matching | Ops headcount and spreadsheet risk | | Payment support | Users' payment issues handled | A support function you staff | | **Building this stack independently, before the first transaction** | **$1M+ · 6–18 months** | ## Verify once, unlock everything Your user completes KYC one time inside your app. That single verification unlocks on-ramp, off-ramp, and bill pay, with no repeated checks as they move between rails. Fewer verification walls means fewer drop-offs, and users who clear KYC actually transact. - On-ramp - Off-ramp - Bill pay - 1 KYC ## Battle-tested on our own app Rails is the same infrastructure that runs the Spritz consumer app, processing real cash-outs, card funding, and bill payments for crypto-native users every day. Every failure mode got found and fixed on our own users first; that is the only way payments infrastructure actually gets hardened. - **$350M+** processed, June 2026 - **13** blockchain networks ## Where Rails works US and European rails are live today, with off-ramp reach across the globe. Tell us your target markets and we'll confirm against live coverage. ### United States (Live) On-ramp, off-ramp, and bill pay — ACH, RTP, push-to-card, and wire. ### Europe (Live) Euro rails supported — SEPA and Instant SEPA, delivering in seconds. ### Canada (Live) Off-ramp to any Canadian bank account. ### Across the globe (Live) On- and off-ramp in 29 more countries with stablecoins. | Rail | Region | What it's for | Status | | --- | --- | --- | --- | | ACH, standard and same-day | US | Bank settlement at the user's chosen speed | live | | RTP | US | Instant settlement where the receiving bank supports it | live | | Push-to-card | US | Payouts direct to a debit card | live | | Wire | US | Large, high-limit transfers | live | | Bill pay | US | Payments direct to credit cards, utilities, and other billers | live | | Instant SEPA | EU | Euro transfers that land in seconds | live | | SEPA | EU | Standard euro bank transfers | live | ## 13 blockchain networks, by capability Every network where Rails has at least one supported asset. "All tokens" means every token above a $1M market cap. | Network | Off-ramp · US & CA | Bill pay · US | On-ramp · US | Global · 29 countries | | --- | --- | --- | --- | --- | | Ethereum | All tokens | All tokens | USDC & USDT | USDT, USDC, agEUR | | Solana | All tokens | All tokens | USDC | USDT & USDC | | Base | All tokens | All tokens | Coming soon | Coming soon | | Arbitrum One | All tokens | All tokens | USDC | USDT, USDC, agEUR | | Optimism | All tokens | All tokens | USDC | USDT & USDC | | Polygon | All tokens | All tokens | USDC | USDT & USDC | | Avalanche C-Chain | All tokens | All tokens | USDC | — | | BNB Chain | All tokens | All tokens | — | — | | Bitcoin | Bitcoin only | Bitcoin only | — | — | | TRON | USDT & USDC | USDT & USDC | — | USDT | | Sui | SUI & USDC | SUI & USDC | — | — | | Celo | — | — | — | cUSD & cEUR | | Dash | Dash only | Dash only | — | — | Source: Spritz tokens & blockchains support chart, May 2026. Don't see your chain? Ask us — new networks ship regularly. ## Your first API call in minutes Rails is a REST API with SDKs, a sandbox, and quickstart docs. Most teams make their first sandbox call the same day they get keys, and fomo went from kickoff to live in two weeks. Settlement runs across 13 blockchain networks. [Read the docs](https://docs.spritz.finance) ## Questions, answered ### What is Rails by Spritz? Rails is the crypto payments product from Spritz. One integration gives your app on-ramp, off-ramp, bill pay, and soon cards, with KYC, AML, compliance, banking, settlement, and support included. ### Is Rails just an SDK? No. The SDK is how you integrate; the product includes the licensed money movement, compliance operations, banking relationships, and user payment support that make the payments real. ### Do my users leave my app to use Rails? No. Every flow runs inside your product, under your brand. ### How long does integration take? fomo went live in two weeks. Timeline depends on your scope; most single-capability integrations are measured in weeks, not quarters. ### Who holds the regulatory burden? Spritz operates as a registered money services business and runs KYC, AML, and transaction monitoring. ### What happens after I book a call? A 30-minute scoping conversation covering your use case, volumes, and geography, followed by sandbox access and an integration plan with a timeline. ### Which countries does Rails support today? The US and Europe are live today — US rails plus SEPA and Instant SEPA — with Canadian off-ramp and on/off-ramp coverage in 29 more countries. ### Which blockchain networks does Rails support? 13 networks: Ethereum, Solana, Base, Arbitrum One, Optimism, Polygon, Avalanche C-Chain, BNB Chain, Bitcoin, TRON, Sui, Celo, and Dash. Fully supported networks cover every token above a $1M market cap. ## Ship the product, skip the buildout Bring the user experience; Rails brings the other $1M of the stack. [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) --- _Home › Product › On-ramp_ # Money in: the on-ramp your users stay for The Rails on-ramp is about bringing cash to your platform, seamlessly. Users link their bank once (ACH debit) and deposit from inside your app — no redirects, no third-party widget. Instant on-ramps deliver crypto in seconds, wire covers high-limit transfers, and low-cost ACH works for small and large volumes alike. Wire, ACH, SEPA — behind one integration. It's an on-ramp architected as a unified deposit layer: Rails owns your whole deposit function, not a single rail. **Buy crypto** — in your app · your brand - 500 USDC · ≈ $500.00 · Base · buy - Chase Checking ···4821 · Linked bank · ACH debit - Their own wallet · 0x74a2…9f31 · self-custodial · destination [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Deposits belong in your app Every redirect out of your product is a drop-off point and a branding hand-off. With Rails the deposit happens in your flow, on your screens: the user links their bank once, then funds seamlessly from inside your app — the relationship stays with you, and so does the data on what they do next. For a trading or perps product the logic compounds: every purchase that starts and ends in your app is one less chance to abandon at a handoff, and low-cost ACH removes the fee pain that pushes users to batch deposits into rare, large events. **yourapp.com · Deposit** — embedded - Chase Checking ···4821 · linked · ACH debit - $2,500.00 · → USDC · Base · deposit - Deposit from bank · Instant delivery on supported rails One KYC also unlocks [off-ramp](/product/off-ramp) and [bill pay](/product/bill-pay) — no repeated checks. ## Money in: unified deposits An on-ramp's purpose is to convert fiat into crypto. A unified deposit solution's purpose is to drive maximal volume to your app — it takes over the entire deposit function instead of selling you one rail. Rails is an on-ramp, architected as unified deposits — and it works either way: as your whole deposit layer, or as one rail sitting alongside providers you already use. ### A rail you bolt on - **Fragmentation** — Payment methods can't be surfaced intelligently inside your deposit flow — the on-ramp decides, not your product. - **A second sign-in** — Users authenticate again with a third party mid-deposit — the step where conversion rates get crushed. - **One-size risk** — An on-ramp iframe applies the same risk profile to every app, whatever your product actually looks like. ### The deposit layer (Rails) - **One flow, every method** — ACH debit, wire, and SEPA surfaced natively in your own deposit screen — the right rail for each user and amount. - **No second sign-in** — Users link a bank once and never re-authenticate with anyone else — the deposit stays in your app, on your brand. - **Risk tuned to your app** — Fiat rails that understand your product's unique risk profile, instead of treating every app the same. **Plays well with others.** Rails doesn't have to replace anything — keep your existing providers where they're strong. ## Bringing cash to your platform, seamlessly Wire, ACH, SEPA — one linked bank covers everyday deposits, wire covers the high end, and instant rails deliver in seconds. | Method | Speed | Limits | Best for | | --- | --- | --- | --- | | Linked bank (ACH debit) | Instant delivery | High | Seamless in-app deposits — small and large volumes alike | | Wire | Same business day | Highest | Large, high-limit transfers | | Instant SEPA | Seconds | High | Euro deposits a user wants now | | SEPA | Same or next business day | High | Standard euro transfers | ## How the on-ramp works 1. **Your user verifies once** — Rails runs KYC in your flow; the same verification later unlocks off-ramp and bill pay inside your app. 2. **They link a bank and deposit** — One bank link (ACH debit), then deposits happen from inside your app — ACH for everyday volumes, wire for high limits, SEPA in Europe. 3. **Crypto lands in their own wallet** — Settlement on supported networks, reconciled automatically. See coverage for the live list. ## What partners do with it fomo uses Rails to move new members from fiat to crypto inside its app; it went live in two weeks and put 500+ users through in the first weeks. - **2 weeks** kickoff to live - **500+** users in the first weeks - **$350M+** processed on the same stack, June 2026 [Read the fomo case study](/customers/fomo) ## Questions, answered ### What is a crypto on-ramp API? An on-ramp API lets an app offer crypto purchases with fiat inside its own interface. Rails provides the API plus the KYC, AML, banking, and settlement operations behind it. ### What is a unified deposit solution vs an on-ramp? An on-ramp's purpose is to convert fiat into crypto. A unified deposit solution takes over an app's entire deposit function to drive maximal volume: payment methods are surfaced intelligently inside the app's own deposit flow, there is no third-party sign-in, and risk is tuned to the specific app rather than one-size-fits-all. Rails is an on-ramp architected as a unified deposit layer. ### What payment methods can my users fund with? Users link their bank once and fund via ACH debit — good for small and large volumes alike. Wire covers high-limit transfers, and SEPA and Instant SEPA cover euro funding. ### How fast do users receive crypto? Instant on-ramps deliver crypto in seconds on supported rails. Wire settles the same business day. ### Can Rails run alongside other on-ramp providers? Yes. Use Rails as your whole deposit layer, or as one rail next to providers you already have. Rails doesn't offer a card on-ramp today, so many apps pair it with a card provider — users still see a single deposit screen. ### Which networks and tokens are supported? Stablecoins plus a broad range of tokens across 13 blockchain networks. See the product page for the live list. ### What does it cost? Pricing depends on volume and scope. Book a call for a quote. ### Do I need my own money transmitter licenses? Rails operates under Spritz's registered MSB status. ## Put the buy button in your own app One integration, and your users never fund elsewhere again. [Book a call](https://form.typeform.com/to/lB1zdVfD) · [Read the fomo case study](/customers/fomo) --- _Home › Product › Off-ramp_ # Money out: cash-outs your users can plan a life around The Rails off-ramp lets your users convert crypto and receive money in their bank account without leaving your app. Instant bank transfers over RTP land in seconds any day of the year, push to debit lands in minutes, and same-day ACH settles within the business day. Rails handles conversion, compliance, and delivery. **Cash out $500** — USDC → USD - Instant bank transfer · RTP · Chase ···4821 · seconds - Push to debit · Visa debit ···3390 · minutes - Same-day ACH · Chase ···4821 · today [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## How fast users get their money With Rails, you can pick what your users need — and always accomplish the promises. | Rail | Speed | Availability | Best for | | --- | --- | --- | --- | | Instant bank transfer (RTP) | Seconds | Any time, any day | Cash a user wants now | | Push to debit | Minutes | Any time, any day | Money straight onto the spending card | | Same-day ACH | Same business day | Business days, set windows | Bank cash-outs without the multi-day wait | | Standard ACH | 1–3 business days | Business days | Large, non-urgent transfers | | Instant SEPA | Seconds | Any time, any day (EU) | Euro cash-outs a user wants now | | SEPA | Same or next business day | Business days (EU) | Standard euro bank transfers | ## The off-ramp is where trust is won A user who cashes out and sees the money arrive when promised comes back. On the Spritz consumer app, off-ramp is the anchor behavior of the highest-value users, and the same pattern shows up in partner apps: fomo's transacting base grew fastest once members could move money out as easily as in. **Delivered as promised** - +$500.00 · Chase ···4821 · Instant RTP · arrived in 4 seconds · Sun 11:42 pm - +$1,200.00 · Visa debit ···3390 · Push to debit · arrived in 3 minutes · Sat 8:15 am - +$3,400.00 · Chase ···4821 · Same-day ACH · arrived same business day · Tue 2:03 pm [Read the fomo case study](/customers/fomo) ## How the off-ramp works 1. **Your user picks an amount and destination** — Bank account or debit card, saved after the first time. 2. **Rails converts and screens** — AML and transaction monitoring run in the flow, invisibly when nothing is wrong. 3. **Dollars arrive on the rail they chose** — Seconds, minutes, or same business day; reconciliation is automatic on your side. Pairs naturally with the [on-ramp](/product/on-ramp) and [bill pay](/product/bill-pay) — one KYC covers all three. ## Questions, answered ### What is a crypto off-ramp API? An off-ramp API lets an app offer crypto-to-bank cash-outs inside its own interface. Rails provides the conversion, compliance screening, and fiat delivery behind one integration. ### How fast do users receive money? Instant RTP and Instant SEPA transfers land in seconds, push to debit in minutes, and same-day ACH within the business day. Standard ACH takes 1 to 3 business days; SEPA settles same or next business day. ### Which countries are supported? US and European coverage are live today, with more countries covered globally. See the product page for the live list. ### Is it self-custodial? Users keep custody until the moment they convert. ## Make cashing out the best part of your app Money out, at the speed your users already expect from money in. [View docs](https://docs.spritz.finance) · [Read the fomo case study](/customers/fomo) --- _Home › Product › Bill pay_ # Bills paid, straight from your app Rails bill pay lets your users pay real-world bills — mortgages, auto loans, student loans, utilities, and credit cards — directly from their balance in your app. The user picks a bill and pays; Rails converts and delivers dollars to the biller. Available to US users. **Upcoming bills** — paid from USDC balance - Mortgage — Rocket · $2,140.00 · due Aug 1 · paid - Visa credit card · $250.00 min · due Jul 28 · paid - City Power & Light · $86.40 · due Jul 30 · pay now [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Bill pay is a habit, and habits retain On-ramps and off-ramps are transactions; bills are a monthly rhythm. A user who pays a mortgage through your app returns every month by definition, and mortgage and auto loans are the top categories by volume on the Spritz consumer app. That makes bill pay the strongest retention surface in the Rails lineup: recurring, high-value, and emotionally significant. Nobody churns from the app that pays their mortgage. **A monthly rhythm** - May · Mortgage paid · $2,140 - Jun · Mortgage paid · $2,140 - Jul · Mortgage paid · $2,140 ## How bill pay works 1. **Your user connects a bill** — Biller search and account linking happen once, in your flow. 2. **They pay from their balance** — Amount chosen, paid in the tokens they hold. 3. **The biller gets dollars** — Rails converts and delivers; the user stays in your app the whole time. ## The bills a life actually runs on Not gift cards and top-ups — the recurring, high-value payments that make your app the place money lives. ### Mortgages (Top category) The payment nobody misses. #1 by volume on the Spritz consumer app. ### Auto loans (Top category) Second by volume — a fixed monthly habit that keeps users coming back. ### Student loans Long-lived balances — users who pay them down stay for years. ### Utilities Power, water, internet — small amounts, high frequency, constant touchpoints. ### Credit cards Pay the statement from a crypto balance — due every month, without fail. ### Billers see dollars Every biller receives a normal dollar payment — nothing crypto-specific reaches them. ## Questions, answered ### What is a crypto bill pay API? A bill pay API lets an app offer real-world bill payments from a crypto balance. Rails handles biller connection, conversion, compliance, and dollar delivery behind one integration. ### Can users pay a mortgage through my app? Yes. US users connect their lender once and pay from their balance; the lender receives dollars. ### Is bill pay available outside the US? No. Bill pay is available to US users only. ### Do users need separate KYC for bill pay? No. The single Rails KYC inside your app covers on-ramp, off-ramp, and bill pay. ### How do billers receive the money? In dollars, through Rails's established banking rails. Billers see a normal payment; nothing crypto-specific reaches them. ## Become the app their life runs on When the mortgage goes through you, you become infrastructure they keep, month after month. [Book a call](https://form.typeform.com/to/lB1zdVfD) --- _Home › Product › Cards_ # Cards your users spend, under your brand Rails cards will let your users spend their balance anywhere cards are accepted, through virtual and physical cards issued under your brand. Card operations, KYC, and compliance run on the same Rails integration and the same single user verification as every other rail. **Acme Wallet** - ···· ···· ···· 4821 · virtual - ···· ···· ···· 3390 · Your brand · physical [Join the early access list](https://form.typeform.com/to/lB1zdVfD) · [Book a call](https://form.typeform.com/to/lB1zdVfD) ## What Rails cards will include Virtual cards at launch for instant provisioning, physical cards for the wallet and the gym bag, and spend controls you configure per program. Users fund spending from the balance they already hold in your app, so every swipe is your product in their daily life. - Virtual at launch - Physical cards - Spend controls - Same single KYC ## Why join the list now Card programs launch in cohorts, and early access partners shape the program design and get first slots. Card capability was one of the most requested features across our partner conversations in spring 2026, so slots will not sit open long. ## Request early access [Request early access](https://form.typeform.com/to/lB1zdVfD) ## Every swipe, your brand Get in before the first cohort fills. [Join the early access list](https://form.typeform.com/to/lB1zdVfD) --- _Home › Use cases › Wallets & exchanges_ # The fiat layer your wallet is missing Rails gives wallets and exchanges a complete fiat layer: users buy crypto with ACH, cash out to their bank in seconds over RTP, and pay real-world bills, all inside your app and behind one KYC. Spritz runs the compliance, banking, and support underneath. **Inside your wallet** - Buy USDC with ACH · on-ramp - Cash out to Chase ···4821 · RTP · seconds - Pay mortgage from balance · bill pay [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Self-custody ends at the bank's front door A wallet can hold, swap, and stake, and then sends its users to an exchange the moment they need dollars. Every one of those exits is churn risk, lost revenue, and a competitor's onboarding flow. Meeting those fiat needs in-app closes the loop: balances stay, sessions grow, and the exchange never gets introduced. ## What a wallet ships with Rails Money in through low-cost ACH on-ramp, money out through instant RTP, push to debit, and same-day ACH, and bill pay so US users can run real life from self-custody. One integration, one KYC inside your app, and your users never leave for an exchange again. ## Built on infrastructure that already serves crypto natives The Spritz consumer app serves exactly the user a wallet wants to keep: crypto-native, high-balance, living off onchain wealth. Rails is that same infrastructure, exposed to your app. fomo went live in two weeks. - **$350M+** processed, June 2026 - **13** blockchain networks - **2 weeks** fomo, kickoff to live [Read the fomo case study](/customers/fomo) ## Questions, answered ### How does a wallet add fiat off-ramping? Integrate the Rails SDK; Rails runs KYC, AML, conversion, and bank delivery. Users cash out in-app to their bank or debit card. ### Does this break self-custody? No. Users keep custody until the moment they convert. ### What does my compliance team have to build? Rails includes KYC, AML and sanctions screening, and transaction monitoring under Spritz's registered MSB status. ## Keep your users when they need dollars The wallet that handles fiat is the wallet that keeps the balance. [Book a call](https://form.typeform.com/to/lB1zdVfD) --- _Home › Use cases › Neobanks & fintechs_ # Crypto rails for the bank you are building Rails lets neobanks and fintechs add crypto and stablecoin money movement — buying, cashing out to bank accounts, and paying real bills — as native features under their own brand. The compliance stack, banking relationships, and settlement come included, so the roadmap does not wait on a licensing project. **Your interface, fiat-familiar** — crypto plumbing invisible - $4,820.00 · held as USDC · presented as dollars · USD balance - Add money · on-ramp - Withdraw · off-ramp - Pay bills · bill pay [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Your users already hold crypto; your product pretends they don't Neobank users increasingly keep part of their net worth in stablecoins and crypto, especially in dollar-scarce markets, and they route around any product that ignores it. Building the bridge in-house means bank negotiations, AML tooling, and monitoring infrastructure — 6 to 18 months of work before the first transaction. ## What a neobank ships with Rails Stablecoin and crypto balances that connect to real money movement: fund from a bank, cash out to a bank on instant or same-day rails, and pay US bills from the balance. Your interface stays fiat-familiar; Rails handles the crypto plumbing invisibly. Card programs join the lineup at cards launch. ## Compliance is the product here For a regulated or soon-to-be-regulated fintech, the buying decision is the compliance stack, and that is the part Rails treats as core product: KYC once per user, continuous AML and sanctions screening, transaction monitoring, and support. Your team consumes an API; Spritz carries the operational load. See the full stack on the [platform overview](/product); the [remittances](/use-cases/remittances) page covers the closely related cross-border audience. ## Questions, answered ### Can a neobank offer crypto features without its own licenses? Rails operates under Spritz's registered MSB status and runs the required compliance operations. Confirm your own regulatory posture with counsel; Rails is built to minimize what you must hold yourself. ### Do users see crypto complexity? Only as much as you choose. Balances, conversion, and delivery can present as familiar money movement in your interface. ### How fast can we launch? fomo went live in two weeks; a neobank integration depends on scope, measured in weeks. ## Add the rails without becoming a crypto company Your brand and your product, with Spritz running the machinery underneath. [Book a call](https://form.typeform.com/to/lB1zdVfD) --- _Home › Use cases › Trading & perps_ # Deposits that cost less, withdrawals that build trust Rails gives trading and perps platforms the two flows that decide user lifetime value: low-cost ACH deposits that make small, frequent funding economical, and withdrawals that land in seconds over RTP, minutes to a debit card, or the same business day over ACH. KYC, AML, and transaction monitoring run inside the flow. **The two flows that matter** - $200.00 · via ACH · low cost · deposit - $1,450.00 · RTP · seconds · withdrawal [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Card on-ramp economics punish active traders Card-based funding carries processing costs that make small deposits uneconomical for the platform and expensive for the user. ACH changes the deposit math: costs low enough to let users fund often and in the size they actually want, which is how trading habits form. ## What a trading platform ships with Rails In-app fiat funding over ACH, withdrawals on three speeds, and one KYC that clears the user for both directions. Nothing erodes a trader's trust faster than a withdrawal that stalls; a cash-out that lands in seconds is a retention feature disguised as plumbing. ## Proven with a live partner fomo runs its member funding on Rails: live in two weeks, 500+ transacting users in the first weeks, and a transacting base that keeps compounding as members move money both ways. - **2 weeks** kickoff to live - **500+** transacting users, first weeks - **Seconds** withdrawal speed over RTP, any day of the year [Read the fomo case study](/customers/fomo) ## Questions, answered ### How do trading platforms reduce deposit costs? ACH funding through Rails costs a fraction of card processing, making small and frequent deposits economical. ### How fast are withdrawals? Instant RTP in seconds any day of the year, push to debit in minutes, same-day ACH within the business day. ### Does Rails handle compliance for funding flows? Yes. KYC, AML and sanctions screening, and transaction monitoring are included under Spritz's registered MSB status. ## Fund the trade, not the processor Better deposit math in, faster money out. [Book a call](https://form.typeform.com/to/lB1zdVfD) · [Read the fomo case study](/customers/fomo) --- _Home › Use cases › Remittances & cross-border_ # Remittances that arrive as money, not as a pending transfer Rails lets remittance and cross-border apps deliver value as real money movement: stablecoins convert and land in US bank accounts in seconds over RTP, minutes to a debit card, or the same business day over ACH, and US bills can be paid directly from the app. KYC, AML, and banking relationships are included. **The last mile, delivered** - $300.00 · USDC → Chase ···4821 · RTP · arrived in seconds - $86.40 · Mom's electric bill, paid · bill pay · City Power & Light - $150.00 · USDC → Visa debit ···3390 · push to debit · minutes [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## The last mile is where remittances break Moving value across a border on stablecoin rails is fast and cheap; industry corridors run under 1% against the 6%+ of traditional channels. The hard part is the last mile: converting to dollars, delivering to a real account, and doing it inside a compliance framework. That last mile is exactly what Rails is. ## What a remittance app ships with Rails Delivery into US bank accounts on the recipient’s choice of speed, and a second option most corridors lack: paying the actual US bill — mortgage, utilities, or a credit card — directly from the app, so support for family becomes the bill settled rather than cash forwarded. Bill pay is US-only. ## Where Rails fits in your corridor Rails covers the US side of the corridor today: US bank delivery and US bill pay. Bring your corridor map to the scoping call and we'll confirm fit against live coverage. ## Questions, answered ### Can remittances be delivered to a US bank account from stablecoins? Yes. Rails converts and delivers to US accounts over RTP in seconds, push to debit in minutes, or same-day ACH within the business day. ### Can a recipient's bills be paid directly? Yes, for US billers: mortgage, auto loan, utilities, and credit cards, paid from the app in dollars. ### Who handles KYC on the recipient? Rails runs KYC once per user; the same verification covers cash-outs and bill pay. ## Own the last mile The corridor is only as good as the moment the money becomes usable. [Book a call](https://form.typeform.com/to/lB1zdVfD) --- _Home › Use cases › Creator & marketplace payouts_ # Payouts people can spend today Rails lets platforms pay creators, sellers, members, and contributors from crypto or stablecoin balances into real US bank accounts: seconds over instant RTP, minutes to a debit card, or the same business day over ACH. Recipient KYC, AML screening, and delivery run behind one integration. **Payout run · July** — from USDC treasury - $2,340.00 · Maya K. · creator · RTP · arrived in seconds - $860.00 · Jon R. · seller · push to debit · minutes - $1,120.00 · Ana L. · contributor · same-day ACH · today [Book a call](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) ## Earning onchain still ends at a bank account Creator platforms, marketplaces, and communities increasingly hold treasuries and settle earnings onchain, and their earners still need rent money. When the payout experience is an exchange detour, the platform's best people feel it weekly. The payout rail is part of the product whether you build it or borrow it. ## What a payout platform ships with Rails Recipients onboard once with Rails KYC inside your flow, then every payout lands on the rail they choose. For US recipients, bill pay adds a second option: earnings applied straight to a mortgage, a card balance, or utilities. ## Built for platforms that pay people If your app owes people money and holds it onchain, Rails is the delivery layer. ### Creator & membership platforms Weekly or monthly earnings, delivered as dollars the same day. ### Marketplaces settling in stablecoins Seller payouts from a stablecoin treasury without an exchange detour. ### Onchain organizations Communities and onchain organizations distributing to members and contributors. ## Questions, answered ### How do platforms pay out crypto earnings to a bank account? Through Rails: the platform triggers a payout, Rails runs the recipient's KYC once, converts, and delivers dollars over RTP, push to debit, or same-day ACH. ### Who does KYC, the platform or Rails? Rails runs recipient KYC inside your flow; one verification covers all future payouts. ### What does the recipient experience look like? They choose a destination and speed once; after that, earnings arrive as dollars with nothing crypto-shaped to manage. ## Be the platform that pays like it's 2026 Earnings onchain, spendable the same day. [Book a call](https://form.typeform.com/to/lB1zdVfD) --- _Home › Pricing_ # Start free. Upgrade when you grow. Build and test at $0, launch with no monthly minimum for up to three months, and move to scaled pricing when the volume justifies it. ### Developer — $0 self-serve, no card required For pre-launch teams building and testing. - Full simulated sandbox: on-ramp, off-ramp, bill pay - Live testing on real rails, by approval - No minimum, no deposit, no per-user fees [Request sandbox access](https://form.typeform.com/to/lB1zdVfD) ### Starter — $1,000 deposit — credited to your first invoices, refunded if unused For teams launching and growing real volume. - Every purchased capability live: on-ramp, off-ramp, bill pay - No monthly minimum for up to 3 months, then $1,000/mo - Exit at the window's end with no early-termination charge [Book a call](https://form.typeform.com/to/lB1zdVfD) ### Standard — Let's talk scaled pricing — one minimum, shaped to your volume For scaled products moving serious volume. - Our best end-user rates, from the published schedule - No volume ceiling — deposit credited to first invoices - Dedicated implementation support [Book a call](https://form.typeform.com/to/lB1zdVfD) > "The Spritz team were professional, knowledgeable, and willing to work with us to create a custom native solution." — Paul Erlanger, Co-founder, fomo - **2 weeks** from kickoff to live for fomo - **500+** transacting users in the first weeks - **$350M+** processed on the same infrastructure [Read the fomo case study](/customers/fomo) ## Pricing that follows your traction You never pay for scale you don't have yet. Each step is a decision you make, not a cliff you fall off — and one account carries one monthly minimum, no matter how many capabilities you add. 1. **Build at $0** — Self-serve simulated sandbox, and live testing by approval. Complete business verification when you're ready to launch. 2. **Launch without minimums** — Up to three months with no monthly minimum, from the day you go live. Only growth ends it early — your first $250K month. The deposit comes back as credit on your first invoices. 3. **Scale on your terms** — When the window ends, stay on Starter at $1,000 a month, move up to Standard — or walk away with no early-termination charge. ## Questions, answered ### Is there a free tier? Yes. Developer access is $0 and self-serve: a full simulated sandbox with no monthly minimum, no deposit, and no per-user fees. Live testing on real rails is available by approval. ### What does it cost to start taking real volume? Starter begins with a $1,000 deposit, credited back against your first invoices and refunded if unused. There is no monthly minimum during your launch window — up to three months from go-live — then $1,000 a month. ### Am I locked in? The launch window runs to month three, ending earlier only after your first $250,000-volume month. At its end you stay on Starter, move to Standard, or terminate with no early-termination charge. ### If I add another capability, does my minimum go up? No. One account carries one monthly minimum, whichever plan sets it. Transaction fees from every capability count toward the same minimum — adding off-ramp to your on-ramp never adds a second one. ### Are there other fees? Per-user verification and account-maintenance fees apply at cost-recovery rates, plus standard operational charges. Every fee is itemized in your proposal before you sign — nothing appears on an invoice that wasn't disclosed up front. ### What does scaled pricing look like? Standard carries one monthly minimum from day one, our best published end-user rates, and no volume ceiling. Book a call for a proposal. ## After you book a call The proposal you receive is non-binding — nothing is owed until you sign. 1. **A 30-minute scoping call** — Your use case, volumes, and geography — with the team that ships partner requests, not a sales script. 2. **Sandbox access** — Keys and quickstart docs for your engineers, so they can validate the integration before you commit. 3. **An integration plan** — Scope, pricing, and a timeline to go-live. fomo made it in two weeks. ## Start at $0 today Sandbox is self-serve. A quote for scaled volume is one call away. [Book a call](https://form.typeform.com/to/lB1zdVfD) · [Read the fomo case study](/customers/fomo) --- # share and earn with spritz Invite friends to Spritz and you both earn. Cashback on their first month, and up to 25% of their fees — forever. [Invite and earn now](https://app.spritz.finance) Unlimited referrals. Unlimited rewards. ## here’s how it works 1. **Activate your referral link** — Complete a simple transaction requirement to unlock your link. 2. **Invite friends & family** — Share your link and help them use crypto in everyday life. 3. **Earn cashback & bonuses** — Win-win: you both score bigger rewards as they use Spritz more. ## rewards for everyone The more your referrals transact in their first 30 days, the more you both earn. | Referral tier | Friend’s transactions | Your reward | Friend’s reward | | --- | --- | --- | --- | | The Tourist Tier | $100 or more within the first 30 days | $25 cashback | $25 cashback | | The Local Tier | $2,000 or more within the first 30 days | $40 cashback | $40 cashback | | The VIP Tier | $20,000 or more within the first 30 days | 25% commission on referee’s fees | 25% fee revenue share | [view details and terms](https://help.spritz.finance/en/articles/8137404-how-to-share-your-referral-link) ## continuous earnings with Referral Clubs Refer consistently and qualify for a monthly bonus paid from your referrals’ fees — every month you stay in the club. - **Referral Club** — Refer 30+ new Tourist users or $100,000+ referral transaction volume: **5%** - **Elite Referral Club** — Refer 100+ new Tourist users or $500,000+ referral transaction volume: **15%** Qualification measured over the prior 3 months, rolling. Bonus paid monthly from referrals’ fees. ## start earning now [Invite friends](https://app.spritz.finance) --- # Our mission is to bring your crypto to life Spritz envisions a world where you can spend, save, and share value without barriers, powered by the assets you directly control. We believe that financial freedom should be effortless, connected, and within everyone’s reach—making your digital wallet the center of your life. ## What we optimise for ### High-performance Lightning-fast, 24/7/365 settlement. Built for crypto’s most advanced users, Spritz delivers instant fiat settlement directly from your wallet—no delays, no holds. ### Premium user experience Personalized service, high limits. Designed for high-net-worth individuals, Spritz offers real-time human support, high transaction limits, and a buttery smooth experience. ### Unmatched security & privacy Non-custodial. Fully encrypted. Spritz is a registered MSB and does not share your data. With AES-256 encryption and top of the line infrastructure partners, you get peace of mind with every interaction. ## Crypto’s leading investors - **Diogo Mónica** — Anchorage Digital - **Sandeep Nailwal** — Polygon - **Yutaro Mori** — Orca - **Henri Stern** — Privy - **Yida Gao** — Shima Capital - **Julia Lipton** — Awesome People Ventures - **Balaji Srinivasan** — Coinbase ## Our leadership team > After exiting my last startup, I was deep into DeFi and our first baby was on the way. Despite building wealth in crypto, I found myself stuck—there was no seamless way to pay my growing bills. I started Spritz to change that: to remove the friction and make it easy for anyone to use their digital wallet in the real world and even live fully onchain. Your wallet should be the center of your financial life, not the banks. > > — Christopher T. Sheehan, Founder & CEO - **Zsuzsanna Gedeon** — Chief of Staff - **Laurence** — Lead Engineer ## Our advisors - **Shiliang Tang** — President, Arbelos Markets - **Sean O'Connor** — COO @ Blocknative - **Renaud Besnard** — Uniswap Labs - **Aaron Harris** — CEO of Magid and Co ## Ready to bring your crypto to life? Use the Spritz app, or build with Rails — the payments SDK behind it. [Get started](https://spritz.finance) · [Book a call](https://form.typeform.com/to/lB1zdVfD) --- # fomo went live in two weeks, unlocking $2M in fiat withdrawals for 4,000+ users fomo integrated Rails to give its users a fast, compliant way to withdraw crypto to bank accounts, without building payout or compliance infrastructure in-house. - **4,000+** users used the new withdrawal flow - **$2M+** withdrawn directly to bank accounts - **<2 weeks** from integration start to launch [Speak to sales](https://form.typeform.com/to/lB1zdVfD) · [fomo.family](https://fomo.family) ## A trading app for the rest of us Users sign up in seconds and trade any on-chain asset without needing a wallet or bridge. From professional traders to crypto newcomers, fomo makes discovery simple, social, and fast. Its goal: make crypto accessible to everyone, not just experts. Press: [Index Ventures, Union Square Ventures back trading app Fomo at $550 million valuation](https://fortune.com/2026/06/22/fomo-series-b-fundraise-index-ventures-union-square-ventures/) · [Why Benchmark made a rare crypto bet on fomo, with $17M Series A](https://techcrunch.com/2025/11/06/why-benchmark-made-a-rare-crypto-bet-on-trading-app-fomo-with-17m-series-a/) ## No way out to a bank account Before partnering with Spritz, fomo users had no way to withdraw to bank accounts. Frustration grew among newcomers who deposited for the first time but couldn't access their funds easily. > We did not have any good mechanism for users to withdraw via bank account. This led to a lot of user frustration, especially new users who deposit on the platform for the first time. > > — Paul Erlanger, Co-founder, fomo fomo needed to move fast. Building fiat rails internally would have slowed their roadmap and added operational complexity far outside their core product focus. ## A fully managed fiat layer, under fomo's brand fomo integrated Rails — a fully managed, white-labeled fiat layer that handles compliance, KYC, and support. The SDK gave their developers full UI control while offloading the hard parts of money movement to Spritz. Integration took just two weeks from first line of code to go-live. > The Spritz team were professional, knowledgeable, and willing to work with us to create a custom native solution. > > — Paul Erlanger, Co-founder, fomo the live withdrawal flow in fomo ## Adopted immediately. Translated into user growth. fomo's community adopted the new feature immediately - the rails became a part of essential infrastructure. - **4,000+** users used the new withdrawal flow - **$2M+** withdrawn directly to bank accounts - **<2 weeks** from integration start to launch > Before integrating Spritz, we only had the option of withdrawing to another wallet address. The impact for users who are not crypto-native is night and day. > > — Paul Erlanger, Co-founder, fomo ## Deeper rails, wider reach Next, fomo plans to expand its integration with Spritz to include debit deposits, push-to-debit capabilities, and broader geographic coverage. > Spritz is crucial for fomo to unlock a whole new user base of millions of users and to bring all onchain assets within their reach. > > — Paul Erlanger, Co-founder, fomo ## Go live in 10 days Tell us about your product and goals. We'll respond within one business day to explore your integration and timeline. [Get started](https://form.typeform.com/to/lB1zdVfD) · [View docs](https://docs.spritz.finance) --- # Spritz Privacy Policy > How Spritz collects, uses, stores, and protects personal information across its products, and the choices and rights available to you. If you visit any of our websites, download or use our web-hosted user interface located at [https://www.spritz.finance](/) (“**App**”), (together, our “**Services**”), Spritz Finance, Inc. ("**Spritz**," "**we**," "**us**," and "**our**") will ask for, collect, and store personal information about you (your “**Personal Data**”). We would not be able to provide our Services to you without the Personal Data you provide us, which is why we want you to know that we take our responsibility to protect your Personal Data very seriously. We also want to make very clear how we use your Personal Data so that you can make informed choices about your use of our Services. This document (our “**Privacy Policy**”) explains how we collect and use your Personal Data, how and with whom we share your Personal Data, and how we protect your Personal Data. This Privacy Policy is subject to the Spritz Terms of Use available at [/terms-conditions](/terms-conditions). If you have questions about this Privacy Policy, or have suggestions for how we can improve it, please contact us at [support@spritz.finance](mailto:support@spritz.finance). If you do not want us to collect Personal Data from you or share Personal Data with any third parties or otherwise disclose your Personal Data, you should not use the App, visit our website, or apply or use our Services. ## Collection of Information In the table below, we provide the list of categories of Personal Data that Spritz has collected within the last twelve months and some examples for a better understanding. We also have identified the main sources and purposes for collection: ### **1\. Identifiers** **Examples:** First and last name and middle initial, date of birth, email address, mobile telephone number, mailing address, username,password, or other account access credentials. #### **Sources of Personal Data:** - Consumer directly (e.g. forms you complete or services you obtain from us) - Third parties #### **Purposes for Personal Data Collection:** - Keep track of the Personal Data associated with your Spritz Account - Help you access and restore access to your Spritz Account - Prevent others from accessing your Spritz Account - Send administrative information to you - Detect and prevent fraud and/or funds loss - Engage in marketing activities ### **2\. Customer Records** **Examples:** Unique identifiers associated with your biller accounts including mortgage account information, credit card account numbers, Ethereum and/or Polygon wallet address. #### **Sources of Personal Data:** - Consumer directly (e.g. forms you complete or services you obtain from us) - Third parties #### **Purposes for Personal Data Collection:** - Determine your eligibility for our Services - Recommend other products and services to you - Permit our financial partners to verify your identity - Permit us and our financial partners to comply with applicable consumer protection laws - Detect and prevent fraud and/or funds loss - Provide our Services to you and our customers - Enhance security, monitor and verify identity or service access, combat spam or other malware or security risks - Enforce our terms in our Terms of Use and other agreements ### **3\. Internet or other electronic network activity information** **Examples:** Browser type, IP address, computer or mobile device unique ID number, operating system, referring and exit pages, device event information. #### **Sources of Personal Data:** - Consumer indirectly (e.g. from activity on our websites or App) #### **Purposes for Personal Data Collection:** - Analytics - Advertising and marketing - Keep our websites and App safe and secure - Improve our services - Ensure network and information security ### **4\. Geolocation Data** **Examples:** Approximate location based on IP address #### **Sources of Personal Data:** - Consumer indirectly (e.g. from activity on our websites or App) #### **Purposes for Personal Data Collection:** - Analytics - Determine your eligibility for our Services ## Sharing of Information Except as described in this Privacy Policy and unless otherwise expressly authorized by you in writing, Spritz will never share, sell, or communicate your Personal Data to or with anyone for any reason. We only share and disclose your Personal Data with the following third parties. We have categorized each party so that you may be easily understand the purpose of our data collection. ### **1\. Service Providers** #### **Why we share your Personal Data?** We may share your Personal Data with service providers including third party vendors, consultants, contractors in order to complete third party financial, technical, compliance and legal audits of our operations or otherwise comply with our legal obligations. Specifically, we share your Personal Data with Plaid Financial. For more information on how Plaid deals with personal data, please refer to their privacy policy located at [https://plaid.com/legal/#consumers](https://plaid.com/legal/#consumers). #### **Is Personal Data shared for a business purpose?** - Yes ### **2\. Purchasers of Our Business** #### **Why we share your Personal Data?** We may share or transfer your Personal Data in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company. #### **Is Personal Data shared for a business purpose?** - Yes ### **3\. Law Enforcement** #### **Why we share your Personal Data?** We may share your Personal Data in order to comply, as necessary, with applicable laws and regulatory requirements, as well as legal process, respond to mandatory legal or governmental requests or demands for information, enforce our agreements, policies, procedures and terms of use, and protect ourselves, our customers, or the general public from illegal activities. #### **Is Personal Data shared for a business purpose?** - No ### **4\. Payment Processors and Financial Services Providers** #### **Why we share your Personal Data?** We may share your Personal Data with our payment processors and financial service providers as necessary to enable them to process payments, and for anti-fraud purposes. For example, if you send us funds from your bank account, your bank will provide us with identifying information in addition to information about your account in order to complete the transaction. #### **Is Personal Data shared for a business purpose?** - Yes ### **5\. Business Partners and Spritz Affiliates** #### **Why we share your Personal Data?** We may share your Personal Data with our Business Partners as necessary to provide you with our Services. #### **Is Personal Data shared for a business purpose?** - Yes ## Third-Party Links The Spritz website and App may contain links to other websites or apps. Your access to and use of such linked sites is not governed by this Privacy Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the Personal Data practices of such third-party websites. Please review the privacy policies of such sites before you disclose your Personal Data to them. ## Children's Privacy The Spritz website and App are not intended for children. We do not knowingly collect, use, sell, or share any Personal Data from anyone under the age of 18. If we become aware that a child under the age 18 has provide Personal Data to us, we will delete it. ## Cookies, Advertising and Analytics Services We may allow others to provide analytics services and serve advertisements on our behalf across the Internet and in applications.  These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of the Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in apps, links clicked and conversion information. These tools allow us to: - Provide you Services that allow you to email or chat with our customer service team - Perform website analytics - Improve the advertisements you see - Prevent fraud and prevent attacks against our websites and Services - Advertise Spritz products and services, and additional products and services from our partner companies We use cookies and trackers to assign you a unique identifier so we can record: - Websites you visit - Length of time the advertisement was visible - IP Address You can block cookies at any time using your web browser settings or App settings, but doing so may limit your browsing experience and your ability to use certain features of the App. We do not currently respond to “Do Not Track” or DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit [www.aboutads.info/choices](https://www.aboutads.info/choices). Spritz also uses Google Analytics. The following link explains how Google uses data when you use its partners’ websites and applications: [www.google.com/policies/privacy/partners/](https://policies.google.com/technologies/partner-sites). Your use of Spritz’s website is evidence of your consent to Spritz storing and accessing cookies and other information on your computer or phone and Spritz’s use of Google Analytics in connection with such activities. Please read the information at the link provided so you understand what you are consenting to. ## Security We are committed to protecting the privacy and confidentiality of your Personal Data. We limit access to your Personal Data to our authorized employees or agents and we contractually require our business partners and service providers to limit their use of your Personal Data. We also maintain physical, technical, and administrative safeguards to protect your Personal Data against loss, misuse, damage or modification, and unauthorized access or disclosure. ## Your Choices ### **1\. Account Information** You may update, correct or delete information about you at any time by logging into your online account, emailing us at [support@spritz.finance](mailto:support@spritz.finance) or logging into the App. If you wish to delete or deactivate your account, please email us at [support@spritz.finance](mailto:support@spritz.finance), but note that we may retain certain information as required by law or for legitimate business purposes. We may also retain cached or archived copies of information about you for a certain period of time. ### **2\. Promotional Communications** You may opt out of receiving promotional emails or text messages or app notifications from Spritz by following the instructions in those emails or text messages or notifications or by emailing us at [support@spritz.finance](mailto:support@spritz.finance). If you opt out, we may still send you non-promotional communications, such as those about your account or our ongoing business relations. ### **3\. Mobile Push Notifications/Alerts** With your consent, we may send promotional and non-promotional push notifications or alerts to your mobile device.  You can deactivate these messages at any time by changing the notification settings on your mobile device. ## California Privacy Rights As a California consumer, you have the following choices regarding our use and disclosure of your Personal Data subject to certain limitations under the California Consumer Privacy Act (“CCPA”): - **Right to know.** You may request, up to twice in a 12-month period, the following information about the Personal Data we have collected, used, disclosed or sold about you during the past 12 months: - the categories and specific pieces of Personal Data we have collected about you; - the categories of sources from which we collected the Personal Data; - the business or commercial purpose for which we collected the Personal Data; - the categories of third parties with whom we shared the Personal Data; and - the categories of Personal Data about you that we disclosed for a business purpose and sold to third parties, and the categories of third parties to whom the information was disclosed or sold. - **Right to delete.** You may request that we delete the Personal Data we have collected from you, subject to certain limitations under the CCPA. - **Right to opt-out from sale of Personal Data.** You have the right to opt-out of the sale of your Personal Data. We do not sell your Personal Data. - **Non-discrimination.** The CCPA provides that you may not be discriminated against for exercising these rights. To submit a request to exercise any of the rights described above, you may email us at [support@spritz.finance](mailto:support@spritz.finance). We will verify your identity before responding to your request by either verifying that the email address from which you send the request matches your email address that we have on file, or by requiring you to log into your account. ## Consumer Request by an Authorized Agent If any authorized agent submits a consumer request under the CCPA on your behalf, we require the authorized agent to submit the following information so that we can confirm their authority to act on your behalf: - Evidence of authorization to act on behalf of the California consumer: (1) California Secretary of State authorization, (2) notarized written permission from the California consumer, or (3) power of attorney. - Evidence of identity of the California consumer: (1) first and last name, (2) email address, and (3) password. ### **NOTICE TO CALIFORNIA RESIDENTS – YOUR CALIFORNIA PRIVACY RIGHTS (AS PROVIDED BY CALIFORNIA CIVIL CODE SECTION 1798.83)** A CALIFORNIA RESIDENT WHO HAS PROVIDED PERSONAL DATA TO A BUSINESS WITH WHOM HE/SHE HAS ESTABLISHED A BUSINESS RELATIONSHIP FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES (A “CALIFORNIA CUSTOMER”) MAY REQUEST INFORMATION ABOUT WHETHER THE BUSINESS HAS DISCLOSED PERSONAL DATA TO ANY THIRD PARTIES FOR THE THIRD PARTIES’ DIRECT MARKETING PURPOSES. IN GENERAL, IF THE BUSINESS HAS MADE SUCH A DISCLOSURE OF PERSONAL DATA, UPON RECEIPT OF A REQUEST BY A CALIFORNIA CUSTOMER, THE BUSINESS IS REQUIRED TO PROVIDE A LIST OF ALL THIRD PARTIES TO WHOM PERSONAL DATA WAS DISCLOSED IN THE PRECEDING CALENDAR YEAR, AS WELL AS A LIST OF THE CATEGORIES OF PERSONAL DATA THAT WERE DISCLOSED. CALIFORNIA CUSTOMERS MAY REQUEST FURTHER INFORMATION ABOUT OUR COMPLIANCE WITH THIS LAW BY E-MAILING [SUPPORT@SPRITZ.FINANCE](mailto:support@spritz.finance). PLEASE NOTE THAT WE ARE REQUIRED TO RESPOND TO ONE REQUEST PER CALIFORNIA CUSTOMER EACH YEAR AND WE ARE NOT REQUIRED TO RESPOND TO REQUESTS MADE BY MEANS OTHER THAN THROUGH THIS E-MAIL ADDRESS. ## Changes to this Privacy Policy We may change this Privacy Policy from time to time to reflect changes in our practices concerning the collection, use, and sharing of Personal Data. The revised Privacy Policy will be effective immediately upon posting to the Spritz website, by notification through the App or through email. If you continue to use the Spritz website and the App after we make changes then you will be deemed to have agreed to the changes, so please check this Privacy Policy periodically for updates. ## Contact Us If you have any questions about this Privacy Policy, please contact us at [support@spritz.finance](mailto:support@spritz.finance). --- # Prohibited Customers & Activities Policy > The customers, jurisdictions, and activities that are prohibited from using Spritz products and services. Spritz Finance is committed to compliance with all applicable anti-money-laundering (AML), counter-terrorist-financing (CTF), and sanctions regulations. To protect our network, our partners, and the financial system, we maintain a list of Prohibited Customers and Prohibited Activities. By using Spritz services (including API integrations), you agree not to onboard, process transactions for, or otherwise enable any customer or activity that falls within these categories. ## 🚫 Prohibited Customers - Appears on any sanctions or restricted party list maintained by OFAC, U.S. Department of Commerce, UN, EU, or UK. - A person named on Specially Designated Nationals (SDN list) and Blocked Persons. - Acting as an undisclosed third party or nominee. - Shell banks or otherwise prohibited under U.S. or international AML laws. - Acting on behalf of another individual or person or pretending to be someone else. - Anyone involved in elicit activities or in facilitation of: - Money laundering or terrorist financing - Human trafficking or smuggling - Drug trafficking or organized crime - Illegal gambling or unlicensed gaming operations - Proliferation of weapons or military-grade equipment without license - Environmental or wildlife trafficking crimes - Transacting in the dark web and supporting child abuse materials.A person or a company with unverifiable identity and with no physical address. - Customers unwilling to undergo Enhanced Due Diligence (EDD) when required. - Entities or individuals who refuse to comply with the AML/CTF compliance requirements. - Customers attempting to circumvent onboarding, reporting, or monitoring requirements. - Unexplained source of wealth and source of funds. - Customers dealing with privacy coins. - Customers with negative media linking them to fraud, corruption, sanctions evasion, or other financial crimes. - Entities or individuals under investigation or indictment for major financial crimes, even if not yet convicted. - Sellers or exporters of counterfeit goods, fake/falsified documents, or pirated content. - Non-profit organizations or charities that lack verifiable legitimacy or financial transparency. - NPOs located in or sending funds to conflict zones or terrorist financing hotspots. - FATF blacklisted countries, high-risk offshore secrecy havens, U.S.-prohibited or embargoed jurisdictions or anyone located in, organized under the laws of, or ordinarily resident in the  Prohibited Jurisdictions listed below: ## 🚫Prohibited Jurisdictions: - Afghanistan - Albania - Belarus - Bosnia & Herzegovina - Burma (Myanmar) - Central African Republic - China (selected sanctioned entities/sectors) - Cuba - Crimea/Donetsk/Luhansk Regions of Ukraine - Democratic Republic of Congo - Eritrea - Ethiopia - Guinea - Haiti - Iran - Iraq - Kosovo - Lebanon - Liberia - Libya - Mali - Moldova - Montenegro - North Korea - Nicaragua - Russia - Serbia - Somalia - South Sudan - Sudan - Syria - Ukraine (occupied territories) - Venezuela - Vietnam - Yemen - Zimbabwe ## ⚠️ Prohibited Activities - Unlicensed money services businesses, unregistered money transmission, or digital asset exchanges. - Undisclosed third‑party payment processing, check cashing, bail bonds, collections agencies. - White‑label ATM services. - Sale or distribution of controlled substances without proper licensing. - Marijuana businesses (including ancillary services) where not federally legal. - Pharmaceuticals, tobacco or nicotine products without licensing. - Precious metals/gems sales without appropriate controls. - Firearms, ammunition, explosives, or related accessories. - Adult content or escort services. - Unlawful gambling, betting, sweepstakes, or lotteries. - Ponzi schemes, pyramid schemes, or deceptive marketing. - Counterfeit or 'gray market' goods. - Products or services that infringe on intellectual property rights. - Transactions benefiting individuals, entities, or countries subject to economic sanctions. - Transactions intended to conceal the origin of funds or otherwise circumvent AML laws. - Activities promoting violence, hate, harassment, or abuse. - Transacting directly or indirectly with terrorist organizations or funding/supporting terrorism. - Using false or stolen identities to open an account. ## 🔄 Updates This policy may be updated from time to time based on regulatory changes, partner requirements, or internal risk assessments. The current version will always be available at [https://spritz.finance/legal/prohibited](/legal/prohibited) --- # Spritz Terms and Conditions > The terms and conditions governing use of Spritz products and services, including accounts, payments, transfers, and the Spritz card. Please review these Terms of Use (“**Terms**”) carefully, as they set forth the legally binding terms and conditions that govern your use and access to our web-hosted user interface located at [https://www.spritz.finance](/) (the “**App**”), including related trademarks, software code, and other intellectual property. The App provides access to a platform enabling users to pay bills, conduct cryptocurrency-based financial transactions, and perform crypto-to-fiat or fiat-to-crypto transactions. Spritz acts strictly as a principal buyer and seller of cryptocurrency assets. Certain services, as clearly indicated within the App, are provided through third-party partners and are subject to acceptance of such partners’ separate terms and conditions, which shall exclusively govern those services. Spritz has no control over, and is not responsible for, the terms and conditions, performance, availability, or enforcement of any third-party partner services. These Terms expressly cover your rights and obligations, and our disclaimers and limitations of legal liability, relating to your use of, and access to, the App. ‍ The App is a copyrighted work belonging to Spritz Finance, Inc. (“**Company**,” “**us**,” “**our**,” “**Spritz**,” and “**we**”), a Delaware corporation. Your submission of information, including personally identifiable information or personal data (“**Personal Data**”), through or in connection with the App is governed by the terms of our privacy policy as updated from time to time, available at [/privacy-policy](/privacy-policy) (“**Privacy Policy**”). All such additional terms, guidelines, and rules, including our Privacy Policy, are incorporated by reference into these Terms. \* \* \*
 THESE TERMS SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS THAT GOVERN YOUR USE OF THE APP. BY CLICKING “I AGREE” TO THESE TERMS OR OTHERWISE ACCESSING OR USING THE APP, YOU ARE ACCEPTING THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT), INCLUDING, WITHOUT LIMITATION, THE MANDATORY ARBITRATION PROVISION IN SECTION 14. IF YOU DO NOT AGREE WITH ALL OF THE PROVISIONS OF THESE TERMS, DO NOT ACCESS OR USE THE APP. \* \* \* Please carefully review the disclosures and disclaimers set forth in Section 12 in their entirety before using any software initially developed by Spritz. The information in Section 12 provides important details about the legal obligations associated with your use of the App.
 ## 1\. Description of the App 1.1. The App provides access to a platform enabling users to pay bills, conduct cryptocurrency-based financial transactions, and perform crypto-to-fiat or fiat-to-crypto transactions. Spritz acts strictly as a principal buyer and seller of cryptocurrency assets. Certain services, as clearly indicated within the App, are provided through third-party partners and are subject to acceptance of such partners’ separate terms and conditions, which shall exclusively govern those services. Spritz has no control over, and is not responsible for, the terms and conditions, performance, availability, or enforcement of any third-party partner services. 1.2 Bill Pay Transactions. **‍**For certain bill payment features made available through the App (“Bill Pay Transactions”), a user may elect to sell a supported digital asset to Spritz Finance in order to apply the resulting fiat proceeds toward the user’s own designated liability account. By confirming a Bill Pay Transaction in the App, the user agrees to sell the specified digital asset to Spritz, and Spritz agrees, acting as principal and for its own account, to purchase such digital asset. Following the purchase, Spritz uses its own funds to satisfy the user’s designated liability in the amount displayed at the time of confirmation. 1.3. In order to use certain features of the App, you must have an account in good standing with Spritz (“Spritz Account”). You must also link your biller accounts to your Spritz Account, and connect an Ethereum, Polygon, Optimism, Arbitrum, or any other blockchain network wallet supported by Spritz and identified in the App to the App. 1.4. You may sign out of the App at any time by pressing “Sign Out” in the Account Settings section of the App. ## 2\. Use of the App 2.1. As a condition to accessing or using the App, you represent and warrant to Spritz the following: a) if you are entering into these Terms as an individual, then you are at least 18 years old or of legal age in the jurisdiction in which you reside and you have the legal capacity to enter into these Terms and be bound by them; b) if you are entering into these Terms as an entity, then you must have the legal authority to accept these Terms on that entity’s behalf, in which case “you” (except as used in this paragraph) will mean that entity; c) you are the exclusive beneficial and/or legal owner of any digital asset used or to be used for the purchase or sale of any digital asset on the App; d) you are not a resident, national, or agent of Antigua and Barbuda, Algeria, Bangladesh, Bolivia, Belarus, Burundi, Burma (Myanmar), Cote D'Ivoire (Ivory Coast), Crimea and Sevastopol, Cuba, Democratic Republic of Congo, Ecuador, Iran, Iraq, Liberia, Libya, Magnitsky, Mali, Morocco, Nepal, North Korea, Somalia, Sudan, Syria, Venezuela, Yemen, Zimbabwe or any other country to which the United States, the United Kingdom or the European Union embargoes goods or imposes similar sanctions (collectively, “**Restricted Territories**”); e) you have not been identified as a Specially Designated National or placed on any sanctions list by the U.S. Treasury Department’s Office of Foreign Assets Control, the U.S. Commerce Department, or the U.S. Department of State (collectively, “**Sanctions Lists Persons**”); and you will not use our App to conduct any illegal or illicit activity; f) you do not intend to transact with any Restricted Person or Sanctions List Person; g) you do not, and will not, use VPN software or any other privacy or anonymization tools or techniques to circumvent, or attempt to circumvent, any restrictions that apply to the App; and h) your access to the App is not (a) prohibited by and does not otherwise violate or assist you to violate any domestic or foreign law, rule, statute, regulation, by-law, order, protocol, code, decree, or another directive, requirement, or guideline, published or in force that applies to or is otherwise intended to govern or regulate any person, property, transaction, activity, event or other matter, including any rule, order, judgment, directive or other requirement or guideline issued by any domestic or foreign federal, provincial or state, municipal, local or other governmental, regulatory, judicial or administrative authority having jurisdiction over Spritz, you, the App, or as otherwise duly enacted, enforceable by law, the common law or equity (collectively, “**Applicable Laws**”); or (b) contribute to or facilitate any illegal activity;  i) you will provide accurate, current, and complete information during registration and continuously maintain and promptly update such information to ensure accuracy at all times;  j) you are the exclusive beneficial owner and have sole control over any wallet and cryptocurrency assets used to interact with the App. You agree not to share, delegate, or otherwise provide wallet credentials or private keys to any third party; and k) you will not share access to your Spritz Account with any other person or entity and will be the sole user of your Spritz Account; l) you will conduct transactions solely for your own personal purposes and explicitly agree not to use the App to process transactions on behalf of any third party or any other entity or individual; and m) you will promptly notify Spritz if you become aware of any unauthorized use of your wallet, Spritz Account, or other security breaches relating to your access or use of the App. ## 3\. Fees and Price Estimates 3.1. You will pay us the applicable fees listed in our Pricing FAQ and on any other pricing or fee schedule made available by us to you on [/](/), which may be modified by us from time to time. 3.2. In connection with your use of the App, you are responsible to pay all blockchain transaction fees (“gas fees”) necessary for interacting with the Ethereum blockchain, the Polygon blockchain, Optimism blockchain, Arbitrum blockchain, or any other blockchain network explicitly supported by Spritz, as clearly indicated in the App, in order to transfer funds to or from the Spritz service, as well as all other fees reflected on the App, if any. The value of these blockchain transaction fees fluctuates frequently and unpredictably and is entirely beyond the control of Spritz. Although Spritz strives to provide accurate fee estimates, these estimates may differ significantly from the actual blockchain fees ultimately incurred. You explicitly acknowledge and agree that transactions conducted through the App will not, under any circumstances, be invalidated, revoked, retracted, reversed, or deemed unenforceable due to any dissatisfaction with, lack of awareness of, or perceived excessive nature of blockchain transaction fees. You also acknowledge and agree that all blockchain transaction fees paid are strictly non-refundable under all circumstances. ## 4\. Prohibited Activity 4.1. You may not use the App to engage in the categories of activity set forth below (“**Prohibited Uses**”). The specific activities set forth below are representative, but not exhaustive, of Prohibited Uses. If you are uncertain as to whether or not your use of the App involves a Prohibited Use or have other questions about how these requirements apply to you, then please contact us at [support@spritz.finance](mailto:support@spritz.finance). By using the App, you confirm that you will not use the App to do any of the following: a) violate any Applicable Laws including, without limitation, any relevant and applicable anti- money laundering and anti-terrorist financing laws and sanctions programs, such as, without limitation, the Bank Secrecy Act and the U.S. Department of Treasury’s Office of Foreign Asset Controls; b) engage in transactions involving items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under Applicable Law, including but not limited to use of Spritz’s intellectual property, name, or logo, including use of Spritz’s trade or service marks, without express consent from Spritz or in a manner that otherwise harms Spritz, or any action that implies an untrue endorsement by or affiliation with Spritz; c) use the App in any manner that could interfere with, disrupt, negatively affect, or inhibit other users from fully enjoying the App, or that could damage, disable, overburden, or impair the functioning of the App in any manner; d) circumvent any content-filtering techniques, security measures or access controls that Spritz employs on the App, including, without limitation, through the use of a VPN; e) use any robot, spider, crawler, scraper, or other automated means or interface not provided by us, to access the App or to extract data, or introduce any malware, virus, Trojan horse, worm, logic bomb, drop-dead device, backdoor, shutdown mechanism or other harmful material into the App; f) provide false, inaccurate, or misleading information while using the App or engage in activity that operates to defraud Spritz, other users of the App, or any other person; g) use or access the App to transmit or exchange cryptoassets that are the direct or indirect proceeds of any criminal or fraudulent activity, including, without limitation, terrorism or tax evasion; h) use the App in any way that is, in our sole discretion, libelous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, harassing, stalking, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, fraudulent, deceptive, or otherwise objectionable or likely or intended to incite, threaten, facilitate, promote, or encourage hate, racial intolerance, or violent acts against others; i) use the App from a jurisdiction that we have, in our sole discretion, determined is a jurisdiction where the use of the App is prohibited; j) harass, abuse, or harm of another person or entity, including Spritz’s employees and service providers; k) impersonate another user of the App or otherwise misrepresent yourself; or l) encourage, induce or assist any third party, or yourself attempt, to engage in any of the activities prohibited under this Section 4 or any other provision of these Terms. ## 5\. Proprietary Rights 5.1. Subject to these Terms, Spritz grants you a non-transferable, non-exclusive, revocable, limited license to use and access the App for your own personal and noncommercial use. 5.2. The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the App, whether in whole or in part, or any content displayed on the App; (b) you shall not (directly or indirectly) modify, decipher, disassemble, reverse compile or reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the App; (c) you shall not access the App in order to build a similar or competitive app, product, or service; (d) translate, or otherwise create derivative works of any part of the App; (e) rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder; (f) frame or mirror any part of the App without Spritz’s express prior written consent; (g) create a database by systematically downloading and storing App content; (h) use any robot, spider, search/retrieval application or other manual or automatic device to retrieve, harvest, index, “scrape,” “data mine” or in any way gather App or reproduce or circumvent the navigational structure or presentation of the App without Spritz’s express prior written consent; and (i) except as expressly stated herein, no part of the App may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition to functionality of the App shall be subject to these Terms. 5.3. Spritz reserves the right, at any time, to modify, suspend, or discontinue the App (in whole or in part) with or without notice to you. You agree that Spritz will not be liable to you or to any third party for any modification, suspension, or discontinuation of the App, or any part thereof. 5.4. You acknowledge and agree that Spritz will have no obligation to provide you with any support or maintenance in connection with the App. 5.5. You acknowledge that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the App and its content are owned by Spritz. Neither these Terms (nor your access to the App) transfers to you or any third party any rights, title or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in these Terms. Spritz and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms. ## 6\. Third-Party Links 6.1. The App may provide links to other World Wide Web or accessible Apps, applications, or resources. You acknowledge and agree that Spritz is not responsible for the availability of such external Apps, applications or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such Apps or resources. You further acknowledge and agree that Spritz shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such App or resource. ## 7\. Modification, Suspension, and Termination 7.1. We may, at our sole discretion, from time to time and with or without prior notice to you, modify, suspend or disable (temporarily or permanently) the App, in whole or in part, for any reason whatsoever. 7.2. You acknowledge and agree that Spritz will have no obligation to provide you with any support or maintenance in connection with the App. 7.3. Upon termination of your access, your right to use the App will immediately cease. We will not be liable for any losses suffered by you resulting from any modification to the App or from any modification, suspension, or termination, for any reason, of your access to all or any portion of the App. 7.4. Subject to this Section, these Terms will remain in full force and effect while you use or access the App. We may suspend or terminate your rights to use or access the App at any time for any reason at our sole discretion, including for any use of the App in violation of these Terms. Upon termination of your rights under these Terms, your right to access and use the App will terminate immediately. The following sections of these Terms will survive any termination of your access to the App, regardless of the reasons for its expiration or termination, in addition to any other provision which by law or by its nature should survive: Sections 6 through 16. ## 8\. Accuracy of Information 8.1. We attempt to ensure that the information that we provide on the App is complete, accurate and current. Despite our efforts, the information on the App may occasionally be inaccurate, incomplete or out of date. We make no representation as to the completeness, accuracy or correctness of any information on the App. ## 9\. Risks 9.1. Blockchain networks use public/private key cryptography. You alone are responsible for securing your private key(s). We do not have access to your private key(s). Losing control of your private key(s) will permanently and irreversibly deny you access to cryptoassets on the Ethereum, Polygon, Optimism, Arbitrum, or any other blockchain network supported by Spritz and identified in the App. Neither Spritz nor any other person or entity will be able to retrieve or protect your cryptoassets. If your private key(s) are lost, then you will not be able to transfer your cryptoassets to any other blockchain address or wallet. If this occurs, then you will not be able to realize any value or utility from the cryptoassets that you may hold. 9.2. Cryptography is a progressing field with advances in code cracking or other technical advancements, such as the development of quantum computers, which may present risks to cryptoassets and the App, and could result in the theft or loss of your cryptoassets. 9.3. The Ethereum, Polygon, Optimism, Arbitrum, or any other blockchain network supported by Spritz and identified in the App remain under development, which creates technological and security risks when using the App in addition to uncertainty relating to cryptoassets and transactions therein. You acknowledge that the cost of transacting on the Ethereum, Polygon, Optimism, Arbitrum, or any other blockchain network supported by Spritz and identified in the App are variable and may increase at any time causing impact to any activities taking place on the Ethereum, Polygon, Optimism, Arbitrum, or any other blockchain network supported by Spritz and identified in the App, which may result in price fluctuations or increased costs when using the App. 9.3A. You acknowledge that converting cryptocurrency to fiat currency involves market volatility, timing delays, and liquidity risks. When you initiate a transaction by sending crypto to Spritz, the amount of fiat you will receive is determined at the moment your transaction is received and accepted by Spritz, as displayed in the App. Spritz is not responsible for price changes prior to submission or for any losses resulting from delayed transmission, network congestion, or failure to complete the transaction. 9.4. The App remains under development, which creates technological, transaction, and other risks when using or accessing the App. You acknowledge and understand that the App is subject to flaws and that you are solely responsible for evaluating any code provided by the App. These risks include, among others, delays in withdrawals and deposits resulting from the servers of Spritz being offline; or an incorrect display of information on the App in the case of server errors. You acknowledge that these risks may have a material impact on your transactions using the App, which may result in, among other things, failing to fulfill transactions at your desired price or at all. This warning and others Spritz provides in these Terms in no way evidence or represent an on-going duty to alert you to all of the potential risks of using or accessing the App. 9.5. Although we intend to provide accurate and timely information on the App, the App and other information available when using the App may not always be entirely accurate, complete, or current and may also include technical inaccuracies or typographical errors. To continue to provide you with as complete and accurate information as possible, information may be changed or updated from time to time without notice, including, without limitation, information regarding our policies. Accordingly, you should verify all information before relying on it, and all decisions based on information contained on the App are your sole responsibility. No representation is made as to the accuracy, completeness, or appropriateness for any particular purpose of any pricing information distributed via the App. Prices and pricing information may be higher or lower than prices available on platforms providing similar services. 9.6. Any reference to a type of digital asset on the App does not indicate our approval or disapproval of the technology on which the digital asset relies, and should not be used as a substitute for your understanding of the risks specific to each type of digital asset. 9.7. Transactions entered into in connection with cryptoassets and the App are irreversible, final and there are no refunds. You acknowledge and agree that you will access and use the App at your own risk. The risk of loss in transacting cryptoassets can be substantial. You should, therefore, carefully consider whether transacting in cryptoassets is suitable for you in light of your circumstances and sophistication regarding such technology. By using or accessing the App, you represent and warrant that you have been, are, and will be solely responsible for making your independent appraisal and investigations into the risks of a given transaction and the underlying cryptoassets. You represent and warrant that you have sufficient knowledge, market sophistication, professional advice, and experience to make your evaluation of the merits and risks of any transaction conducted in connection with the App or any digital asset. You represent that you understand the inherent risks associated with cryptographic systems and blockchain-based networks; cryptoassets, including the usage and intricacies of native cryptoassets, smart contract-based tokens, such as those that are issued on the Ethereum, Polygon, Optimism, Arbitrum, or any other blockchain network supported by Spritz and identified in the App; and systems that interact with blockchain-based networks. You accept all consequences of using the App, including the risk that you may lose access to your cryptoassets indefinitely. All transaction decisions are made solely by you. You further acknowledge and agree that Spritz has no obligation—legal, financial, or otherwise—to reimburse, replace, or recover any cryptoassets lost due to user error, unsupported assets, incorrect network usage, or any other reason. 9.8. Spritz does not guarantee that any refunds will be provided for any reason. In the event that a refund is issued, Spritz reserves the right to do so in the form of a non-withdrawable platform credit ("Spritz Credit"). Spritz Credit may only be used within the App, has no cash value, is non-transferable, and is not redeemable for fiat currency. 9.9. Because certain rails are operated by third-party service providers, you acknowledge that those providers may impose reserves, holds, or account freezes under their own terms and conditions—including in response to suspected fraud—and that such funds may be inaccessible for an indefinite period. Spritz has no control over these actions and disclaims any liability for any loss or delay resulting from partner-imposed reserves, holds, or freezes. 9.10. We must comply with Applicable Law, which may require us to, upon request by government agencies, take certain actions or provide information, which may not be in your best interests. The App and your cryptoassets could be impacted by one or more regulatory inquiries or regulatory actions, which could impede or limit the ability of Spritz to continue to make available any portion(s) of the App which rely on any Spritz proprietary software and, thus, could impede or limit your ability to access or use the App. 9.11. Cryptoassets currently face an uncertain regulatory landscape in the United States and many foreign jurisdictions. In the United States, cryptoassets are not subject to federal regulatory oversight but may be regulated by one or more state regulatory bodies. In addition, many cryptoasset derivatives are regulated by the Commodity Exchange Act and the regulations promulgated thereunder by the U.S. Commodity Futures Trading Commission (“ CFTC ”), and the U.S. Securities and Exchange Commission (“ SEC ”) has cautioned that many initial coin offerings are likely to fall within the definition of a security and subject to U.S. securities laws. One or more jurisdictions may, in the future, adopt laws, regulations or directives that affect cryptoasset networks and their users. Such laws, regulations or directives may impact the price of cryptoassets and their acceptance by users, merchants and service providers. 9.12. You hereby acknowledge and agree that Spritz will have no responsibility or liability for, the risks set forth in this Section 9. You hereby irrevocably waive, release and discharge all claims, whether known or unknown to you, against Spritz, its affiliates, and their respective shareholders, members, directors, officers, employees, agents, and representatives, suppliers, and contractors related to any of the risks set forth in this Section 9. ## 10\. Personal Data 10.1. Consent to access, processing and storage of your personal data. You consent to us accessing, processing and retaining any Personal Data you provide to us when accessing our App. This consent is not related to, and does not affect, any rights or obligations we or you have in accordance with data protection laws, privacy laws, and regulations. You can withdraw your consent at any time by closing your Spritz Account with us. However, we may retain and continue to process your Personal Data for other purposes. Please see our Privacy Policy, which is incorporated herein by reference and available here at [/privacy-policy](/privacy-policy) for further information about how we process your Personal Data, and the rights you have in respect of this. ## 11\. Indemnification 11.1. You will defend, indemnify, and hold harmless Spritz, its affiliates, and its and its affiliates’ respective stockholders, members, directors, officers, managers, employees, attorneys, agents, representatives, suppliers, and contractors (collectively, “**Indemnified Parties**”) from any claim, demand, lawsuit, action, proceeding, investigation, liability, damage, loss, cost or expense, including without limitation reasonable attorneys’ fees, arising out of or relating to (a) your use of, or conduct in connection with, the App; (b) your violation of these Terms; or (c) your infringement or misappropriation of the rights of any other person or entity. If you are obligated to indemnify any Indemnified Party, Spritz (or, at its discretion, the applicable Indemnified Party) will have the right, in its sole discretion, to control any action or proceeding and to determine whether Spritz wishes to settle, and if so, on what terms, and you agree to corporate with Spritz in the defense. ## 12\. Disclosures; Disclaimers 12.1. Spritz shall not be responsible in any way for any transactions you enter into with other users. You agree that Spritz will not be liable for any loss or damages of any sort incurred as the result of any interactions between you and other users. 12.2. You acknowledge that your data on the App may become irretrievably lost or corrupted or temporarily unavailable due to a variety of causes, and agree that, to the maximum extent permitted under Applicable Law, we will not be liable for any loss or damage caused by denial-of-service attacks, software failures, viruses or other technologically harmful materials (including those which may infect your computer equipment), protocol changes by third-party providers, internet outages, force majeure events or other disasters, scheduled or unscheduled maintenance, or other causes either within or outside our control. 12.3. The disclaimer of implied warranties contained herein may not apply if and to the extent such warranties cannot be excluded or limited under the Applicable Law of the jurisdiction in which you reside. 12.3A. Spritz expressly disclaims any status or liability as a money transmitter, payment processor, broker, or custodian. All cryptocurrency and fiat-related transactions initiated through the App are either executed by Spritz on a principal basis or processed by regulated third-party partners. In all cases, Spritz does not receive or hold funds on behalf of users, and users must accept the terms and conditions of any applicable third-party provider prior to using such services. 12.3B. Spritz does not assume—and hereby disclaims—any liability for unauthorized, fraudulent, or negligent acts or omissions by any third-party service provider or payment-rails partner. Any claims, disputes, or losses arising from a third party’s failure to block prohibited merchant categories, implement appropriate risk controls, or otherwise prevent or remediate fraudulent or unauthorized transactions must be directed solely to that third party under its own terms and conditions. 12.4. THE APP IS PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS, AND SPRITZ (AND OUR SUPPLIERS) EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE (AND OUR SUPPLIERS) MAKE NO WARRANTY THAT THE APP WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE APP, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE.SPRITZ DOES NOT ENDORSE ANY OTHER THIRD PARTY AND SHALL NOT BE RESPONSIBLE IN ANY WAY FOR ANY TRANSACTIONS YOU ENTER INTO WITH OTHER USERS. YOU AGREE THAT SPRITZ WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY SORT INCURRED AS THE RESULT OF ANY INTERACTIONS BETWEEN YOU AND OTHER USERS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. ## 13\. Limitation of Liability 13.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SPRITZ BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE APP, EVEN IF SPRITZ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE APP IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM. 13.2. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF FIFTY US DOLLARS (U.S. $50). THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. 13.3. SPRITZ SHALL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, OR CLAIMS ARISING OUT OF OR RELATED TO SERVICES PROVIDED BY THIRD-PARTY PARTNERS, INCLUDING BUT NOT LIMITED TO FIAT ONRAMPS, OFFRAMPS, PAYMENT PROCESSING, OR DEBIT CARD ISSUANCE. YOUR USE OF SUCH SERVICES IS SUBJECT SOLELY TO THE TERMS AND CONDITIONS OF THE RESPECTIVE THIRD-PARTY PROVIDER, AND SPRITZ DISCLAIMS ANY AND ALL LIABILITY RELATED THERETO. 13.4. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. ## 14\. Dispute Resolution & Arbitration 14.1. Please read this Arbitration Agreement carefully. It is part of your contract with Spritz and affects your rights. It contains procedures for mandatory binding arbitration and a class action waiver. (a) **Applicability of Arbitration Agreement.** All claims and disputes (excluding claims for injunctive or other equitable relief as set forth below) between Spritz and any user that cannot be resolved informally or in small claims court shall be resolved by binding arbitration conducted on an individual basis only, under the terms of this Arbitration Agreement. By using the App, you agree that all arbitration must be conducted in your individual capacity and you expressly waive any right to participate in a class, collective, consolidated, or representative action against Spritz. This Arbitration Agreement applies to you and Spritz, and to any subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services or goods provided under the Terms. (b) **Notice Requirement and Informal Dispute Resolution.** Before either party may seek arbitration, the party must first send to the other party a written Notice of Dispute (“Notice”) describing the nature and basis of the claim or dispute, and the requested relief. Each party hereby irrevocably and unconditionally consents to service of process through personal service at their corporate headquarters, registered address, or primary address (for individuals or sole proprietors). Nothing in these Terms will affect the right of any party to serve process in any other manner permitted by Law. After the Notice is received, you and Spritz may attempt to resolve the claim or dispute informally. If you and Spritz do not resolve the claim or dispute within thirty (30) days after the Notice is received, either party may begin an arbitration proceeding. The amount of any settlement offer made by any party may not be disclosed to the arbitrator until after the arbitrator has determined the amount of the award, if any, to which either party is entitled. (c) **Arbitration Rules.** Arbitration shall be initiated through the American Arbitration Association (“**AAA**”), an established alternative dispute resolution provider (“ADR Provider”) that offers arbitration as set forth in this section. If AAA is not available to arbitrate, the parties shall agree to select an alternative ADR Provider. The rules of the ADR Provider shall govern all aspects of the arbitration, including but not limited to the method of initiating and/or demanding arbitration, except to the extent such rules are in conflict with the Terms. The AAA Consumer Arbitration Rules (“**Arbitration Rules**”) governing the arbitration are available online at [https://www.adr.org](https://www.adr.org/) or by calling the AAA at 1- 800 - 778 - 7879. The arbitration shall be conducted by a single, neutral arbitrator. Any claims or disputes where the total amount of the award sought is less than Ten Thousand U.S. Dollars (US $10,000.00) may be resolved through binding non-appearance-based arbitration, at the option of the party seeking relief. For claims or disputes where the total amount of the award sought is Ten Thousand U.S. Dollars (US $10,000.00) or more, the right to a hearing will be determined by the Arbitration Rules. Any hearing will be held in a location within 100 miles of your residence, unless you reside outside of the United States, and unless the parties agree otherwise. If you reside outside of the U.S., the arbitrator shall give the parties reasonable notice of the date, time and place of any oral hearings. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. If the arbitrator grants you an award that is greater than the last settlement offer that Spritz made to you prior to the initiation of arbitration, Spritz will pay you the greater of the award or $2,500.00. Each party shall bear its own costs (including attorney’s fees) and disbursements arising out of the arbitration and shall pay an equal share of the fees and costs of the ADR Provider. (d) **Additional Rules for Non-Appearance Based Arbitration.** If non-appearance based arbitration is elected, the arbitration shall be conducted by telephone, online and/or based solely on written submissions; the specific manner shall be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise agreed by the parties. (e) **Time Limits.** If you or Spritz pursue arbitration, the arbitration action must be initiated and/or demanded within the statute of limitations (i.e., the legal deadline for filing a claim) and within any deadline imposed under the AAA Rules for the pertinent claim. (f) **Authority of Arbitrator.** If arbitration is initiated, the arbitrator will decide the rights and liabilities, if any, of you and Spritz, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages, and to grant any non-monetary remedy or relief available to an individual under applicable law, the AAA Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and Spritz. (g) **Waiver of Jury Trial.** THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, INSTEAD ELECTING THAT ALL CLAIMS AND DISPUTES SHALL BE RESOLVED BY ARBITRATION UNDER THIS ARBITRATION AGREEMENT. ARBITRATION PROCEDURES ARE TYPICALLY MORE LIMITED, MORE EFFICIENT AND LESS COSTLY THAN RULES APPLICABLE IN A COURT AND ARE SUBJECT TO VERY LIMITED REVIEW BY A COURT. IN THE EVENT ANY LITIGATION SHOULD ARISE BETWEEN YOU AND Spritz IN ANY STATE OR FEDERAL COURT IN A SUIT TO VACATE OR ENFORCE AN ARBITRATION AWARD OR OTHERWISE, YOU WAIVE ALL RIGHTS TO A JURY TRIAL, INSTEAD ELECTING THAT THE DISPUTE BE RESOLVED BY A JUDGE. (h) **Waiver of Class or Consolidated Actions.** ALL CLAIMS AND DISPUTES SUBJECT TO THIS ARBITRATION AGREEMENT MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. (i) **Confidentiality.** All aspects of the arbitration proceeding, including the hearing, filings, evidence, and award, shall be strictly confidential and binding, except as may be required by applicable law or for purposes of enforcement in a court of competent jurisdiction. The parties agree to maintain confidentiality unless otherwise required by law. This paragraph shall not prevent a party from submitting to a court of law any information necessary to enforce this Agreement, to enforce an arbitration award, or to seek injunctive or equitable relief. (j) **Severability.** If any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable by a court of competent jurisdiction, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Agreement shall continue in full force and effect. (k) **Right to Waive.** Any or all of the rights and limitations set forth in this Arbitration Agreement may be waived by the party against whom the claim is asserted. Such waiver shall not waive or affect any other portion of this Arbitration Agreement. (l) **Survival of Agreement.** This Arbitration Agreement will survive the termination of your relationship with Spritz. (m) **Small Claims Court.** Notwithstanding the foregoing, either you or Spritz may bring an individual action in small claims court. (n) **Emergency Equitable Relief.** Notwithstanding the foregoing, either party may seek emergency equitable relief before a state or federal court in order to maintain the status quo pending arbitration. A request for interim measures shall not be deemed a waiver of any other rights or obligations under this Arbitration Agreement. (o) **Claims Not Subject to Arbitration**. Notwithstanding the foregoing, claims of defamation, violation of the Computer Fraud and Abuse Act, and infringement or misappropriation of the other party’s patent, copyright, trademark or trade secrets shall not be subject to this Arbitration Agreement. (p) **Courts.** In any circumstances where the foregoing Arbitration Agreement permits the parties to litigate in court, the parties hereby agree to submit to the personal jurisdiction of the courts located within Wilmington, Delaware, for such purpose. ## 15\. Governing Law 15.1. The interpretation and enforcement of these Terms, and any dispute related to these Terms or the App, will be governed by and construed and enforced under the laws of the State of Delaware, as applicable, without regard to conflict of law rules or principles (whether of the State of Delaware or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. You agree that we may initiate a proceeding related to the enforcement or validity of our intellectual property rights in any court having jurisdiction. For any other proceeding that is not subject to arbitration under these Terms, the state and federal courts located in Delaware will have exclusive jurisdiction. You waive any objection to venue in any such courts. ## 16\. General Information 16.1. These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our App or on [/](/). You are responsible for providing us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective one (1) day following the earlier of our dispatch of an e-mail notice to you (if applicable) or one (1) day following our posting of notice of the changes on our App. These changes will be effective immediately for new users of our App. Continued use of our App following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes. 16.2. You consent to receive all communications, agreements, documents, receipts, notices, and disclosures electronically (collectively, our “ Communications ”) that we provide in connection with these Terms or the use of the App. You agree that we may provide our Communications to you by posting them on the App or by emailing them to you at the email address you provide in connection with using the App, if any. You should maintain copies of our Communications by printing a paper copy or saving an electronic copy. You may also contact us with questions, complaints, or claims concerning the App at support@spritz.finance. 16.3. Any right or remedy of Spritz set forth in these Terms is in addition to, and not in lieu of, any other right or remedy whether described in these Terms, under Applicable Law, at law, or in equity. The failure or delay of Spritz in exercising any right, power, or privilege under these Terms shall not operate as a waiver thereof. 16.4. The invalidity or unenforceability of any of these Terms shall not affect the validity or enforceability of any other of these Terms, all of which shall remain in full force and effect. 16.5. We will have no responsibility or liability for any failure or delay in performance of the App, or any loss or damage that you may incur, due to any circumstance or event beyond our control, including without limitation any flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction. 16.6. You may not assign or transfer any right to use the App, or any of your rights or obligations under these Terms, without our express prior written consent, including by operation of law or in connection with any change of control. We may assign or transfer any or all of our rights or obligations under these Terms, in whole or in part, without notice or obtaining your consent or approval. 16.7. Headings of sections are for convenience only and shall not be used to limit or construe such sections. 16.8. These Terms contain the entire agreement between you and Spritz, and supersede all prior and contemporaneous understandings between the parties regarding the App. 16.9. In the event of any conflict between these Terms and any other agreement you may have with us, these Terms will control unless the other agreement specifically identifies these Terms and declares that the other agreement supersedes these Terms. 16.10. You agree that, except as otherwise expressly provided in this Agreement, there shall be no third-party beneficiaries to the Agreement other than the Indemnified Parties. 16.11. A waiver by Spritz of any right or remedy under these Terms shall only be effective if it is in writing, executed by a duly authorized representative of Spritz and shall apply only to the circumstances for which it is given. Our failure to exercise or enforce any right or remedy under these Terms shall not operate as a waiver of such right or remedy, nor shall it prevent any future exercise or enforcement of such right or remedy. No single or partial exercise of any right or remedy shall preclude or restrict the further exercise of any such right or remedy or other rights or remedies. 16.12. Spritz shall not be responsible for any failure to perform, or any delay in performance of, any of its obligations under these Terms due to causes beyond its reasonable control, including without limitation downtime or technical failures of blockchain networks, smart contracts, internet service providers, cloud platforms, or third-party service providers integrated with the App. 16.13. Copyright © 2025 Spritz Finance, Inc. All rights reserved. All trademarks, logos and service marks (“ Marks ”) displayed on the App are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks. 16.14. For any questions, comments, or feedback, you may contact us by emailing [support@spritz.finance](mailto:support@spritz.finance). --- # Pay your mortgage, car loan, and every other bill with crypto on Spritz > Spritz bill pay now covers every bill: mortgage, auto loans, student loans, utilities, and credit cards, paid straight from your wallet. US-only. _2026-06-19 · Maria Sirotkina_ Bill pay on Spritz now covers every bill, not just credit cards. Mortgages, auto loans, student loans, utilities, and other bills are payable straight from your wallet at [app.spritz.finance/bills](https://app.spritz.finance/bills). If you paid bills with Spritz in the past, your account is ready for all of them again, with the same login and limits you already have. ## What you can pay Credit card bills have been live for a while. Joining them now: mortgages, auto loans, student loans, utilities, and other recurring bills, all in one flow. You pick the bill, pay with crypto, and Spritz settles in dollars with your biller. ## How it works Connect a bill, choose the amount, and pay from your wallet; no offramping to a bank first, no juggling exchanges. Spritz is a registered MSB and the experience is self-custodial until the moment you pay. Bill pay runs on the same account, KYC, and limits you already use. The largest payments of your month, a mortgage or a car loan, can come straight from onchain funds. ## Why this matters Most crypto wealth still exits through a bank account before it touches real life. Bill pay removes that detour for your biggest fixed expenses. That is the point of Spritz: bring your crypto to life. ## FAQ ### Can I pay my mortgage with crypto? Yes. US users can pay a mortgage directly from a crypto wallet with Spritz; we convert and deliver the payment to your lender in dollars. ### Can I pay my car loan or student loans with crypto? Yes. Auto loans and student loans are part of the expanded bill pay coverage, alongside mortgages, utilities, and credit cards. ### Can I pay utility bills with crypto? Yes. Utilities are covered by Spritz Bill Pay. ### Which cryptocurrencies can I use? Any supported token from 16+ crypto networks, including BTC, ETH, SOL, POL, Sui and more ### Is bill pay available outside the US? Bill pay is available to US users only. ### Do I need a new account? No. Bill pay runs on your existing Spritz account, KYC, and limits. New to Spritz? Sign up at [app.spritz.finance.](https://app.spritz.finance) --- # Link your bank, on-ramp without leaving Spritz > Funding your wallet used to mean leaving Spritz. You would open an exchange, push a transfer, wait for it to clear, then move the money back to where you… _2026-06-12 · Maria Sirotkina_ Funding your wallet used to mean leaving Spritz. You would open an exchange, push a transfer, wait for it to clear, then move the money back to where you actually wanted it. As of June 2026, that detour is gone. Link your US bank account to Spritz once and you can on-ramp inside the app, straight to your wallet. No exchange tab, no extra hops, and nothing to bridge back afterward. ## How it works The setup happens once. Open Spritz, go to funding, and connect your bank securely through Plaid; it takes about a minute, using the verification you already completed. After that, on-ramping is a few taps. Pick an amount, confirm, and the funds land in your wallet, at your own address. Spritz handles the rails between your bank and your onchain life; you keep custody the whole way. ## Fund it, then spend it, in one session Linking a bank also closes the loop with bill pay. Top up from your bank and pay your mortgage, auto loan, or credit card straight from Spritz, start to finish in one app. Your bank funds the wallet; your wallet pays the bills. That is the whole flow, and none of it requires leaving Spritz. ## Get started Bank linking is live now for all US users in the Spritz app. Open the app, head to funding, and connect your bank. This is the first of several upgrades to how money moves in and out of Spritz this year. More on that soon. --- # Cashing out just got faster, now with same-day ACH > Same-day ACH is here, alongside instant bank transfer and debit-card cash-outs. Here are your faster options, and when a standard transfer still makes sense. _2026-05-27 · Maria Sirotkina_ Fast cash-outs should be the baseline. When the crypto side of a transaction settles in seconds, waiting one to three business days to actually see the cash feels out of step, and you have every right to expect better. Same-day ACH is now available in the Spritz app, which gives you a faster way to move money to your bank. It joins the instant options already there, so depending on how you cash out, your money can arrive in seconds, in minutes, or the same business day, instead of after a multi-day wait. More and more, our users are choosing the faster options over the standard transfer, and the reason is simple. When speed costs you nothing extra, waiting rarely makes sense. Here is what each option does, who it helps most, and when a standard transfer is still the better call. ## Your faster cash-out options The faster options are not all the same. Each one is a real way to get your money, and they behave a little differently depending on where you want it to go. An instant bank transfer sends money straight to your bank account in seconds. It works around the clock, any day of the year, weekends and holidays included, and the money arrives ready to use rather than stuck pending. Send a cash-out at 11pm on a Sunday and it lands at 11pm on a Sunday. Instant to debit card sends the money directly to the debit card linked to your account, usually within minutes, which is handy when the card you spend with is exactly where you want the cash. Same-day ACH is the newest option, now available, and it moves money to your bank the same business day instead of the usual one to three days, so if you prefer using your bank account you get it far sooner without waiting out the full settlement time. Here is how the faster options compare to the standard transfer most people are used to. | Payment method | How fast | When you can use it | Best for | | ---------------------------- | -------------------------- | -------------------------- | ------------------------------------------------ | | Instant bank transfer | Seconds | Any time, any day | Getting cash to your bank quickly | | Instant to debit card | Minutes | Any time, any day | Sending money straight to your debit card | | Same-day ACH (now available) | Same business day | Business days, set windows | Bank cash-outs you want today, not in a few days | | Standard bank transfer | One to three business days | Business days only | Large amounts where timing does not matter | The practical upside is that timing stops working against you. A standard transfer started late on a Friday can sit untouched until the following week. The instant options run any day, and same-day ACH clears within the business day rather than dragging across several. ## Who the faster options are really for A faster cash-out is not the right choice for every transaction, and that is fine. It earns its value in the moments where the timing of your money is the whole point. Three situations come up again and again among Spritz users. The first is funding your life. When you are paying for a real-world purchase from your crypto, a holiday booking, a deposit, a big personal buy, you want the cash there before the window closes, not three days after you decided to act. A faster cash-out turns a sell decision into money you can use while the decision is still fresh. The second is time-sensitive bills. A due date does not move just because the banking week is busy. Cashing out fast means the money is there when the bill is, which matters when a late fee or a service cutoff is on the line. That reliability is the difference between treating crypto as real money and treating it as something you have to plan your life around. The third is acting on the market. Crypto does not keep banking hours, and neither do the opportunities. When you want to take profit and have the cash settled and ready to use again, waiting two days for a standard transfer can mean missing the move. The faster options let you act on your own timeline rather than the bank's. ## When standard still makes sense Standard transfers have not gone anywhere, and for some cash-outs they are still the right call. If you are moving a large amount that is not urgent, and you do not need the money today, a standard transfer does the job without a second thought. The simple rule is this: choose a faster option when timing carries a cost, and choose standard when it does not. What matters is that the choice is now yours. The faster options give you a real decision at the moment you cash out, rather than pushing every transfer through the slowest path by default. ## Try it on your next cash-out Same-day ACH is live now, alongside the instant bank transfer and instant to debit card options. The next time you cash out, look for the faster choices at the withdrawal step and pick the one that fits the moment. Bring your crypto to life, in seconds rather than days. --- # How to add fiat payouts to a crypto wallet app > A fiat payout (also called an off-ramp) lets a wallet user convert crypto into traditional money and send it to a bank account, debit card, or local payment… _2026-05-15 · Maria Sirotkina_ A fiat payout (also called an off-ramp) lets a wallet user convert crypto into traditional money and send it to a bank account, debit card, or bill payment. To add fiat payouts to a crypto wallet app, you need three building blocks: a regulated money transmitter, a payment request API, and a KYC layer. The Spritz SDK provides all three through a single TypeScript client, with a typical integration time of one to two weeks. fomo, a Benchmark-backed trading app, used the Spritz SDK to enable $2M+ in fiat withdrawals for 4,000+ users in under two weeks of engineering work. [Download the off-ramp one-pager (PDF)](https://cdn.prod.website-files.com/618c0a46f5d491291c7f8c7d/6a0718837e9fbcf90fa4bdaf_Spritz%20Finance%20%E2%80%94%20Partner%20One-Pager.pdf) for the full coverage matrix, pricing model, and integration timeline in one page. ## What a fiat payout actually means inside a wallet app A fiat payout is the moment a user stops holding crypto and starts holding money in their bank. The crypto is sold for a stablecoin or USD value, the value is settled with a regulated payments partner, and the funds arrive in the user's destination account on a real-world rail such as ACH or debit-push. Wallet apps typically expose this as a withdraw or cash-out action; the SDK underneath handles quoting, signing, settlement, and reporting. Three integration models exist. Each trades user-experience control for speed. | Model | Who owns the UX | Who owns compliance | Time to ship | Best for | | --------------- | --------------- | -------------------- | ------------ | ----------------------------------------- | | Hosted widget | The provider | The provider | 1 day | Apps testing demand | | White-label SDK | You | The provider | 1 to 2 weeks | Wallets and trading apps owning the brand | | Direct API | You | You and the provider | 4 to 8 weeks | Fintechs with internal compliance teams | Most modern wallets choose the white-label SDK because it preserves brand control without forcing the wallet team to take on money transmission risk directly. fomo took this path with the Spritz SDK and went live in under two weeks. ## Why fiat payouts matter for a wallet in 2026 Stablecoin supply crossed $320 billion in April 2026, per DefiLlama. USDT and USDC together represent about 89% of circulating value. Users who hold those balances increasingly expect to spend them, not just trade them. Wallets without an off-ramp lose retention to wallets that offer one, and lose revenue to centralized exchanges that charge withdrawal fees for the same flow. The fomo case shows the dynamic clearly. Before integrating the Spritz SDK, fomo had no native off-ramp; users could only withdraw to another wallet address. In Paul Erlanger's words: > “We did not have any good mechanism for users to withdraw via bank account. This led to a lot of user frustration, especially new users who deposit on the platform for the first time.” > > — Paul Erlanger, Co-founder, fomo After integration, support ticket volume around withdrawals dropped sharply, and 4,000+ users transacted $2M+ in bank withdrawals within the first launch window. The broader market signal is even louder. Mastercard agreed in March 2026 to acquire BVNK for up to $1.8 billion, the largest stablecoin-infrastructure acquisition to date. Stripe paid $1.1 billion for Bridge in February 2025. The world's two largest payment networks are betting that stablecoin off-ramp infrastructure is not a niche; it is core payments plumbing for the next decade. ## The off-ramp architecture: how it actually flows A working off-ramp has four moving parts. The user holds the asset in their wallet. The Spritz SDK orchestrates KYC, account setup, and payment request creation. The user signs an on-chain call to the SpritzPay smart contract from their own wallet. Spritz, as the regulated counterparty, matches the on-chain transfer to the user's destination (bank, card, or bill) and routes the fiat to that destination over ACH or local rail. The wallet team's job is to wire the user-facing surface (the Withdraw button, the destination picker, the confirmation screen) on top of these layers. Everything below the UI is provided by the SDK under existing licenses. | Component | What it does | Build it yourself? | | ----------------------------- | --------------------------------------------------------------- | --------------------------------------- | | KYC and identity verification | Confirms the user, screens against sanctions | No, the SDK provides it via Persona | | Payment request engine | Creates a binding payment request tied to a destination account | No, use the SDK | | SpritzPay smart contract | On-chain settlement counterparty; the user signs a call to it | No, deployed and maintained by Spritz | | Settlement and money movement | Routes USD to the user's bank, card, or bill | No, requires MSB or EMI licenses | | Frontend SDK | Renders the withdraw flow inside your app | Yes, you build the UI on top of the SDK | ## Step-by-step integration with the Spritz SDK The code below is from the [@spritz-finance/api-client](https://github.com/spritz-finance/api-client) TypeScript client. Install with `npm install @spritz-finance/api-client`. The full reference is in the README. ### Step 1: Initialize the client The Spritz SDK uses two-tier authentication. An Integration Key identifies your application; a per-user API Key is returned when you create each user. Initialize server-side; never embed the Integration Key in a mobile or web client. import { SpritzApiClient, Environment } from '@spritz-finance/api-client' const client = SpritzApiClient.initialize({ environment: Environment.Sandbox, integrationKey: 'YOUR_INTEGRATION_KEY_HERE', }) ### Step 2: Create the user and run KYC Create a user with their email. Spritz returns an API key scoped to that user; set it on the client. Then start KYC, which runs through Persona, either as a hosted URL or an embedded flow. const user = await client.user.create({ email: 'user@example.com' }) client.setApiKey(user.apiKey) const { verificationUrl, inquiryId, sessionToken } = await client.user.getVerificationParams() // Option 1: open verificationUrl in a webview or browser tab // Option 2: embed Persona's flow using inquiryId and sessionToken Verification status updates are delivered via the `verification.status.updated` webhook event. ### Step 3: Add the destination account The user's destination can be a US or Canadian bank account, a debit card (Visa or Mastercard), or a bill (credit card, mortgage, utility). Add it before creating a payment request. import { BankAccountType, BankAccountSubType } from '@spritz-finance/api-client' const bankAccount = await client.bankAccount.create(BankAccountType.USBankAccount, { accountNumber: '123456789', routingNumber: '987654321', subType: BankAccountSubType.Checking, ownedByUser: true, }) ### Step 4: Create the payment request A payment request ties the destination account to an amount and the blockchain network the user will pay from. import { PaymentNetwork } from '@spritz-finance/api-client' const paymentRequest = await client.paymentRequest.create({ amount: 500, accountId: bankAccount.id, network: PaymentNetwork.Ethereum, }) ### Step 5: Get on-chain params and sign The off-ramp settles via the SpritzPay smart contract. Get the transaction parameters from the SDK, then have the user sign the contract call from their own wallet. const params = await client.paymentRequest.getWeb3PaymentParams({ paymentRequest, paymentTokenAddress: '0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48', // USDC on Ethereum }) // params.contractAddress, params.method, params.calldata, params.value, params.requiredTokenInput const txHash = await wallet.send({ to: params.contractAddress, data: params.calldata, value: params.value, }) For Solana, use `getSolanaPaymentParams` instead. It returns a ready-to-sign VersionedTransaction. ### Step 6: Listen for webhooks Spritz emits webhooks at every payment state transition. Update your wallet UI from these events; do not poll. Webhooks are signed with HMAC SHA256 in the `Signature` header. import { createHmac } from 'crypto' app.post('/spritz/webhook', (req, res) => { const payload = req.body const expected = createHmac('sha256', WEBHOOK_SECRET) .update(JSON.stringify(payload)) .digest('hex') if (expected !== req.headers\['signature'\]) { return res.status(401).end() } if (payload.eventName === 'payment.completed') { notifyUser(payload.userId, payload.id) } res.status(200).end() }) Key events: `payment.created`, `payment.updated`, `payment.completed`, `payment.refunded`, `verification.status.updated`, `capabilities.updated`. A complete integration, including edge cases like failed bank verification or sanctioned addresses, typically takes one to two weeks of engineering time. fomo went from first line of code to production in under two weeks. ## What fomo learned from going live fomo is a trading app for non-experts. The team raised a $17M Series A from Benchmark in November 2025. The challenge for fomo was straightforward: trading volume was strong, but new users hit a wall the first time they tried to take money off the platform, because withdraw-to-bank did not exist. | Decision | What fomo did | Why it worked | | --------------------- | --------------------- | --------------------------------------------------- | | Build vs buy | Bought via Spritz SDK | Fiat rails were not core to fomo's product roadmap | | Hosted vs white-label | White-label | Brand consistency, native feel | | Region 1 | United States ACH | Largest user concentration | | Time to first payout | Under two weeks | Engineering capacity preserved for trading features | > “The Spritz team were professional, knowledgeable, and willing to work with us to create a custom native solution.” > > — Paul Erlanger, Co-founder, fomo | Metric | Result | | ------------------------------------- | ----------------------- | | Time from integration start to launch | Under 2 weeks | | Users on the new withdrawal flow | 4,000+ | | Fiat withdrawn to bank | $2M+ | | Support tickets about withdrawals | Sharply down (per fomo) | > “Before integrating Spritz, we only had the option of withdrawing to another wallet address. The impact for users who are not crypto-native is night and day.” > > — Paul Erlanger, Co-founder, fomo Full case: [fomo x Spritz SDK case study](https://sdk.spritz.finance/fomo-case-study). ## Coverage: what your users can actually do The matrix below reflects the documented Spritz SDK surface as of May 14, 2026. | Direction | Account types | Networks | | ------------- | --------------------------------------------------------------- | -------------------------------------------------------------------- | | Off-ramp | US bank account, US debit card, US bills, CA bank account | 8 networks (see token table) | | On-ramp | Virtual accounts (ACH and wire) plus ACH direct debit to Solana | Ethereum, Polygon, Base, Arbitrum, Avalanche, Optimism, Solana, Tron | | Bill pay | US credit cards, mortgages, utilities, and more | Same as off-ramp | | Virtual cards | US virtual debit card, crypto-funded | All supported networks | Stablecoin coverage per network is documented in the SDK reference. The current matrix: | Network | Tokens | | --------- | ---------------------------- | | Ethereum | USDC, USDT, DAI, USDP, PYUSD | | Polygon | USDC | | Base | USDC | | Arbitrum | USDC | | Avalanche | USDC | | Optimism | USDC | | Solana | USDC, PYUSD | | Tron | USDT | Check if Spritz covers your target geographies. [Talk to sales](https://form.typeform.com/to/lB1zdVfD) and we will respond within one business day with confirmed rails, supported tokens, and a sandbox key. ## Compliance: what your team is responsible for The split is simple: Spritz holds the licenses, and the integrator keeps Spritz informed about its user base and intended volumes. | Responsibility | Wallet app | Spritz | | ---------------------------------- | ---------------------- | ------------- | | Money transmitter / MSB license | Not required | Held | | KYC / KYB program | Not required | Run by Spritz | | Sanctions screening (OFAC, EU, UK) | Not required | Run by Spritz | | Travel Rule reporting | Pass user data via API | Files reports | | Acceptable use policy | Your call | Spritz aligns | This split is what makes the white-label SDK model viable for crypto-native teams without a banking org chart. For the full onboarding picture, see the [Spritz platform overview](/product). ## Build vs buy: a framework If you are evaluating an off-ramp partner against a build path, the table below captures the realistic tradeoffs. | Dimension | Build in-house | License an SDK | | ----------------------------------------- | ------------------------------------ | ------------------- | | Time to first payout | 9 to 18 months | 1 to 2 weeks | | Licensing cost (US only) | $750K to $2M | Included | | Headcount required | 4 to 8 (legal, compliance, ops, eng) | 0 to 1 | | Coverage at launch | 1 country | Global | | Margin on each transaction | Higher long-term | Set your own markup | | Speed of new rail launch | Quarters | Days | | Engineering distraction from core product | High | Low | | Regulatory exposure | High | Low | The honest answer for most wallet teams: license the SDK, set your own markup on top, and revisit the build decision once monthly off-ramp volume crosses $50M. fomo's choice to license rather than build is the textbook case; the team kept engineering focused on trading, not on money transmitter licensing. ## Common pitfalls Three failure patterns recur in wallet integrations. None of them are technical; they are all process or expectations issues. The first is skipping the test suite for sanctioned wallet addresses. Engineering teams build the happy path quickly and assume the SDK will gracefully reject any flagged transaction. It will, but the in-app UX for “your transaction was blocked for compliance reasons” needs to be designed up front. The second is showing the user a fiat quote before checking the on-chain transaction has confirmed enough blocks. Tie the UI state strictly to webhook events. A 10-second lag on a confirmation screen is recoverable; a refunded completed payout is not. The third is hardcoding rail support per country. Coverage expands. The wallet should fetch supported rails dynamically from the SDK at app launch and cache them for the session. ## Myths about crypto off-ramps | Myth | Reality | | -------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------- | | Off-ramps require my company to become a money transmitter | False. Spritz is the money transmitter. Your app remains a software provider. | | Self-custody and off-ramps are incompatible | False. The user signs the SpritzPay contract call from their own wallet; Spritz only takes possession of the asset after that on-chain transfer settles. | | Off-ramps are too slow for consumer UX | False. US ACH settles same-day to 1 business day. Token delivery to settlement is on-chain (seconds on Solana and Base, minutes on Ethereum L1). | | Off-ramp pricing is opaque | Spritz exposes the full cost stack so integrators can set their own markup. Transaction fees only apply once monthly volume exceeds $100. | | Adding fiat off-ramp invites regulatory scrutiny on the wallet | The opposite. The licensed counterparty model insulates the wallet from money-transmission obligations. | ## Glossary | Term | Definition | | --------------- | ----------------------------------------------------------------------------------------------------------------- | | Off-ramp | Conversion of crypto into fiat with delivery to a real-world destination | | Payment request | A binding Spritz object linking an amount, network, and destination account; the on-chain equivalent of a “quote” | | SpritzPay | The Spritz smart contract that the user signs a call to in order to settle a payment | | ACH | Automated Clearing House, the US bank-to-bank payment rail | | Persona | The KYC provider the Spritz SDK uses for identity verification | | MSB | Money Services Business, a US regulatory category for money transmitters | | EMI | Electronic Money Institution, the EU equivalent | | Integration Key | The credential that identifies your application to the Spritz SDK | | User API Key | A per-user credential returned when you create a user; scopes SDK calls to that user | ## FAQ ### What is a crypto off-ramp API? A crypto off-ramp API is a server-side interface that converts cryptocurrency into fiat money and settles it to a user's bank account, card, or local payment rail. It typically exposes endpoints for KYC, payment request creation, on-chain settlement params, and webhook delivery. ### How long does it take to add fiat payouts to a crypto wallet app? Using a white-label SDK such as Spritz, a wallet team can ship fiat payouts to production in 1 to 2 weeks. fomo went live in under two weeks. Building the same capability in-house, including obtaining money transmitter licenses in the United States, typically takes 9 to 18 months and $750K to $2M. ### Do I need a money transmitter license to offer fiat off-ramps? Not if you partner with a licensed provider. Spritz holds the MSB and EMI licenses and acts as the regulated counterparty. The wallet app is the technology layer. ### Which chains and tokens does the Spritz SDK support? The Spritz SDK supports off-ramp from 8 networks: Ethereum, Polygon, Base, Arbitrum, Avalanche, Optimism, Solana, and Tron. Token coverage per network is documented in the SDK reference. USDC is supported on every network. Ethereum also supports USDT, DAI, USDP, and PYUSD; Solana supports USDC and PYUSD; Tron supports USDT. ### How fast is the payout? US ACH settles same-day to 1 business day. Token delivery to the SpritzPay settlement contract is on-chain, typically seconds on Solana and Base and minutes on Ethereum L1. Local rails in other markets settle on the same timelines they do for any fintech using that rail. ### Can my users keep custody of their crypto until the moment of payout? Yes. The Spritz off-ramp model is non-custodial up to the on-chain transfer. The user signs the SpritzPay contract call from their own wallet; Spritz only takes possession of the asset at the settlement contract address. ### What is the difference between an on-ramp and an off-ramp? An on-ramp converts fiat into crypto. An off-ramp converts crypto into fiat. The Spritz SDK supports both directions; for the on-ramp side, see the [Spritz on-ramp product](/product/on-ramp). ### What does the Spritz SDK cost? Pricing depends on volume, geography, and which flows you turn on. The model is transparent: a clean fee structure with no rev share, so partners can set their own markup on top. Per-transaction fees apply once monthly volume exceeds $100. [Request the one-pager](https://cdn.prod.website-files.com/618c0a46f5d491291c7f8c7d/6a0718837e9fbcf90fa4bdaf_Spritz%20Finance%20%E2%80%94%20Partner%20One-Pager.pdf) for the full pricing model or [talk to sales](https://form.typeform.com/to/lB1zdVfD). ### Has anyone shipped this on the Spritz SDK? Yes. fomo, a Benchmark-backed trading app, integrated the Spritz SDK in under two weeks and processed $2M+ in fiat withdrawals for 4,000+ users. Full details in the [fomo case study](https://sdk.spritz.finance/fomo-case-study). ### What happens if a payout fails? Spritz emits a `payment.refunded` webhook event when a payment cannot be settled to the destination account. Surface the refund in the user's wallet UI so the user knows funds were returned. ### Can users pay bills directly, or only withdraw to a bank? Both. The same SDK supports bill pay (paying a third-party biller directly) and off-ramp (paying the user's own bank). Bills include US credit cards, mortgages, utilities, and more. See the [Spritz bill-pay product](/product/bill-pay). ### Does the Spritz SDK support virtual cards? Yes. Integrators can issue crypto-funded virtual debit cards via `client.virtualCard.create`. Card numbers and CVVs are rendered securely via Spritz secure-element libraries for React and React Native. ### Can integrators subsidize fees for their users? Yes. The SDK supports per-transaction fee subsidies (gated feature). Set `feeSubsidyPercentage` and `maxFeeSubsidyAmount` on the payment request. Subsidized amounts are invoiced to the integrator separately. ## Get started Three paths from here, matched to where you are in your decision: 1. Just exploring? [Download the off-ramp one-pager (PDF)](https://cdn.prod.website-files.com/618c0a46f5d491291c7f8c7d/6a0718837e9fbcf90fa4bdaf_Spritz%20Finance%20%E2%80%94%20Partner%20One-Pager.pdf). Coverage matrix, integration timeline, pricing model on one page. 2. Comparing providers? Read the [fomo case study](/customers/fomo) and review the [Spritz off-ramp model](/product/off-ramp). 3. Ready to integrate? [Talk to sales](https://form.typeform.com/to/lB1zdVfD). We respond within one business day with a sandbox key, a coverage check, and a 30-minute walkthrough. Most partners go from first call to live sandbox within 48 hours, and from sandbox to production in one to two weeks. --- # RTP on Spritz is now 24/7, instant any time, including weekends > Spritz now processes RTP (Real-Time Payments) bank transfers around the clock, seven days a week. Starting April 14, 2026, users can convert crypto to fiat… _2026-04-16 · Maria Sirotkina_ RTP bank transfers on Spritz are now instant 24/7, including weekends. Starting April 14, 2026, you can offload crypto at 11pm on a Sunday and have funds in your US bank account within seconds. There is no settlement window, no queue, no waiting for Monday. RTP (Real-Time Payments) is a payment rail operated by The Clearing House that moves money between US bank accounts in seconds. The technology has existed for years; the 24/7 availability has not. Most platforms, including many fintechs built specifically for speed, have historically processed RTP within banking hours, meaning a transfer initiated over the weekend would settle during the next business day. That is no longer how Spritz works. Crypto doesn't observe business hours. The ETH price move you're acting on at 10pm Saturday doesn't care that it's Saturday. The deal that closes Friday evening needs liquidity over the weekend, not on Monday morning after a settlement queue clears. The legacy banking assumption, that financial infrastructure can shut down between 5pm Friday and 9am Monday, is a design relic, not a technical constraint. Real-Time Payments, used fully, eliminates it. Spritz has always been built around one idea: your onchain wealth should work in the real world without friction. The card product lets you spend crypto directly; bill pay handles recurring obligations without manual conversion; offramp sends crypto to your bank, your payees, and your accounts. 24/7 instant RTP is the same logic applied to the last remaining time constraint. To use it: open the Spritz app, navigate to offramp, select your crypto and amount, and choose your connected US bank account. The transfer processes instantly. Most major US banks support incoming real-time payments; if yours does, the funds arrive in seconds. If you haven't connected a bank account yet, you can add one under Settings. Try it this weekend. --- # How much does a crypto offramp API cost? fees, integration pricing, and build vs. buy > Breakdown of crypto offramp API costs including per-transaction fees, integration pricing, and a build vs. buy analysis comparing in-house development to SDK… _2026-04-14 · Maria Sirotkina_ ## How much does a crypto offramp API cost? fees, integration pricing, and build vs. buy _Last updated: April 14, 2026_ The cost of adding crypto-to-fiat conversion to your app depends on whether you build it yourself or integrate an offramp API. Building in-house means licenses, banking partnerships, compliance infrastructure, and engineering time measured in years. An API integration means per-transaction fees and a go-live timeline measured in days. This guide breaks down the real costs of both paths, compares pricing across the four most evaluated offramp API providers in 2026, and gives you a framework for calculating total cost of ownership. If you are new to offramp infrastructure, start with our guide on [what a crypto offramp SDK is and how it works](/blog/what-is-a-crypto-offramp-sdk). The global crypto off-ramp market reached $16.2 billion in 2024 and is projected to hit $48.2 billion by 2033 at 14.8% CAGR (Dataintelo, 2025). With over 560 million crypto holders worldwide, the cost of your offramp infrastructure directly affects unit economics at scale. ### Offramp API fee comparison: April 2026 Per-transaction fees are the primary cost for any team using an offramp API. The spread across providers is significant, ranging from 0.49% to 4.5%. | Provider | Base transaction fee | Partner markup | Setup fee | Payout speed | | ------------ | -------------------- | ------------------------------------ | ------------------- | ------------------------------------------- | | Spritz SDK | 0.5% to 1.5% | Optional; partners set their own fee | $0 | Same-day to next-business-day | | Transak | ~1% base | Available | Not publicly listed | Minutes (instant offramp) | | MoonPay | Up to 4.5% | Available | Not publicly listed | 3 to 4 business days (bank) | | Ramp Network | 0.49% to 2.9% | Available | Not publicly listed | 2 to 5 minutes (instant) to 2 business days | Source: public documentation and pricing pages as of April 2026. Actual rates may vary based on volume, region, and payment method. At $1 million in monthly offramp volume, the fee difference between providers is substantial. A team paying 0.5% (Spritz low end) spends $5,000 per month in transaction fees. A team paying 4.5% (MoonPay upper bound) spends $45,000. That $40,000 monthly difference compounds to $480,000 annually, enough to fund an entire engineering team. ### What drives offramp API pricing Transaction fees are not the only cost. Four factors determine what you actually pay. #### Per-transaction fees Every offramp provider charges a percentage of the conversion amount. This is the most visible cost and the one that scales directly with volume. Spritz SDK charges 0.5% to 1.5%, with the exact rate depending on the payment method and transaction type. Transak charges approximately 1% as a baseline. Ramp Network ranges from 0.49% to 2.9% depending on region and method. MoonPay charges up to 4.5%. The variance matters more as volume grows. At low volume (under $100K monthly), the difference between 0.5% and 2.9% is a few hundred dollars. At $5 million monthly, it is the difference between $25,000 and $145,000 in monthly fees. #### Partner markup and revenue Most offramp APIs let partners add their own fee on top of the base transaction rate. This is how apps monetize offramp transactions. If the base fee is 1% and you add a 0.5% markup, your users pay 1.5% total and you keep the 0.5%. Spritz SDK provides full transparency on this: partners set their own markup, receive monthly payouts, and get complete transaction reporting. The markup model means offramp is not just a cost center; it can be a revenue line for your app. #### Setup and integration costs Some providers charge a one-time setup or integration fee. Spritz SDK charges no setup fee. Other providers do not publicly list their setup fees, which typically means the cost is negotiated based on the scope of integration. The more meaningful integration cost is engineering time. Widget-based integrations (Transak, MoonPay, Ramp) can go live in a few days with minimal engineering effort. A headless SDK integration like Spritz gives you full UX control but requires more front-end development. Spritz partners typically go live in about 10 days including sandbox testing and compliance review. #### Ongoing operational costs After launch, the provider handles compliance, customer support, and transaction monitoring. These are costs you would otherwise bear in-house. Spritz SDK includes managed services covering KYC/AML, dispute handling, chargeback management, and end-user customer support through what it calls Lightning Managed Services. This means no additional vendor contracts for compliance or support infrastructure. ### Build vs. buy: the real cost comparison The alternative to an offramp API is building your own crypto-to-fiat infrastructure. Here is what that actually involves. #### Building in-house Money transmission licenses alone require state-by-state applications in the US. As of 2026, there are 49 state-level MTL jurisdictions, each with its own application process, bonding requirements, and renewal timelines. Add banking partnerships, KYC/AML vendor contracts, compliance staff, and ongoing regulatory maintenance, and you are looking at 12+ months and $500K+ before you process a single transaction. That $500K+ figure breaks down roughly as follows. | Cost category | Estimated range | Timeline | | --------------------------------------- | ------------------- | ------------------------ | | Money transmission licensing (US) | $100K to $250K+ | 6 to 18 months per state | | Banking partnership setup | $50K to $100K | 3 to 6 months | | KYC/AML vendor integration | $30K to $75K | 1 to 3 months | | Compliance staff (annual) | $150K to $300K | Ongoing | | Engineering build (core infrastructure) | $200K to $500K | 6 to 12 months | | Ongoing maintenance and audits | $100K to $200K/year | Ongoing | These are conservative estimates based on publicly reported costs from companies that have built in-house crypto payment infrastructure. The total first-year cost for a US-focused build easily exceeds $500K, and ongoing costs run $250K to $500K annually before you factor in engineering maintenance. #### Using an offramp API With an API integration, the provider absorbs all licensing, compliance, banking, and support costs. Your costs are the per-transaction fee plus your engineering time to integrate. | Cost category | Estimated range | Timeline | | ---------------------------- | ---------------------------------- | -------- | | Per-transaction fees | 0.5% to 4.5% of volume | Ongoing | | Setup / integration fee | $0 to $25K | One-time | | Engineering integration time | 1 to 3 weeks | One-time | | Ongoing maintenance | Minimal (provider handles updates) | Ongoing | For a team processing $1 million monthly at 1% fees, the annual cost is approximately $120,000 in transaction fees. Compare that to $500K+ in year one for building in-house, plus $250K+ in annual ongoing costs. The API path breaks even in the first month. #### Break-even analysis The math shifts at very high volume. If you process $50 million monthly, even a 0.5% transaction fee costs $250,000 per month ($3 million annually). At that scale, the in-house build starts to make financial sense, assuming you have the 12 to 18 months and the team to execute it. For most teams processing under $10 million monthly, the API integration is more cost-effective by a wide margin. fomo.family, a copy-trading app, [evaluated multiple providers and went live with Spritz SDK in two weeks](https://sdk.spritz.finance/fomo-case-study), processing over $2 million in withdrawals with 4,000+ users in its first two weeks live. Building that infrastructure in-house would have taken months and delayed their entire product launch. ### Hidden costs most teams miss Beyond the headline fee percentages, several costs catch teams by surprise. #### Token swap costs If your offramp provider only supports a limited set of tokens, users holding other assets need to swap before they can cash out. Each swap incurs gas fees and potential slippage. On Ethereum mainnet, a single swap can cost $5 to $50+ in gas depending on network congestion. Spritz SDK sidesteps this problem with 50,000+ tokens supported through permissionless DEX routing. Users offramp directly from whatever they hold without an intermediate swap step. For a detailed comparison of token coverage across providers, see our [offramp API comparison](/blog/crypto-offramp-api-comparison). #### Slow payouts and support overhead MoonPay's bank transfer payouts take 3 to 4 business days. Every day a user waits for their money is a day they might open a support ticket. Support costs scale with payout delays. Same-day or next-business-day settlement (Spritz, Ramp instant) reduces this overhead significantly. #### Widget UX friction Widget-based integrations redirect users to a third-party checkout flow. This introduces friction that reduces conversion rates. Teams that need a seamless, branded experience end up rebuilding around the widget or switching to a headless integration. That rework has real cost in engineering hours and delayed launches. #### Compliance scope changes Regulatory requirements change. If your provider does not handle compliance end-to-end, you absorb the cost of staying current. Spritz SDK manages all compliance updates, licensing renewals, and regulatory changes as part of the base integration. Partners never need to hire a compliance officer or engage outside counsel for offramp-related regulatory work. ### Total cost of ownership framework Use this framework to compare providers on a like-for-like basis. Most teams only look at the transaction fee percentage, which is one of five cost dimensions. | Cost dimension | What to calculate | Where to find data | | ------------------------------------ | ------------------------------------------------------------------------------ | ------------------------------------------------------------------ | | Transaction fees | Monthly volume x fee percentage | Provider pricing page or sales quote | | Partner revenue offset | Monthly volume x your markup percentage | Your pricing model | | Integration engineering | Hours x loaded engineering cost | Your team's estimate | | Ongoing support and maintenance | Support tickets x cost per ticket, plus engineering hours for provider updates | Your support and engineering data | | Hidden costs (swaps, delays, rework) | Gas fees for pre-swaps + support cost from slow payouts + UX rework hours | Estimated from token coverage, payout speed, and integration model | The net cost is: transaction fees minus partner revenue, plus integration cost, plus ongoing costs, plus hidden costs. Teams that only compare transaction fee percentages miss the full picture. ### Choosing a pricing model that fits your app The right offramp API depends on your volume, user base, and product roadmap. For apps processing under $1 million monthly with price-sensitive users, the lowest base fee wins. Spritz (0.5% to 1.5%) and Ramp (0.49% to 2.9%) are the most competitive options. MoonPay's up to 4.5% fee will reduce conversion rates for cost-conscious users. For apps that want to monetize offramp transactions, the partner markup model matters more than the base fee. A provider charging 1% base with a flexible markup option can generate more net revenue than a provider charging 0.5% with no markup control. Spritz SDK gives partners full control over their markup with transparent reporting and monthly payouts. For apps with roadmaps that include bill pay, card issuance, or real-world spending, choosing a provider that bundles these features avoids the cost of integrating multiple vendors. Spritz SDK includes bill pay (credit cards, mortgages, student loans, utilities) and virtual card issuance in the same integration. Every other major provider requires separate vendor contracts for those capabilities. ### Getting started If you are evaluating offramp integration costs for your app, [request sandbox access and go live in 10 days](https://sdk.spritz.finance/). Spritz SDK partners receive sandbox keys immediately, complete KYB review in 2 to 3 days, and go live on production within about 10 days. The full SDK documentation is available at github.com/spritz-finance/api-client. ### Frequently asked questions #### How much does it cost to integrate a crypto offramp API? Per-transaction fees range from 0.49% to 4.5% depending on the provider. Spritz SDK charges 0.5% to 1.5% with optional partner markup. Setup fees range from $0 to $25K depending on the provider. Engineering integration typically takes 1 to 3 weeks. The total first-year cost for an API integration is a fraction of the $500K+ required to build in-house. #### What are Spritz SDK fees for offramp transactions? Spritz SDK charges 0.5% to 1.5% per offramp transaction, with the exact rate depending on payment method and transaction type. There is no setup fee. Partners can set their own markup on top of the base fee and receive monthly payouts with full transaction reporting. #### Is it cheaper to build an offramp in-house or use an API? For most teams, an API is significantly cheaper. Building in-house costs $500K+ in year one (licensing, banking partnerships, compliance, engineering) plus $250K+ annually in ongoing costs. An API integration costs engineering time upfront (1 to 3 weeks) plus per-transaction fees (0.5% to 4.5% of volume). The in-house build only becomes cost-competitive at very high volume, typically above $50 million monthly. #### Which offramp API has the lowest fees? As of April 2026, Ramp Network offers the lowest base rate starting at 0.49%, followed by Spritz SDK at 0.5% to 1.5%. Transak charges approximately 1%, and MoonPay charges up to 4.5%. The base fee is only one cost factor; token coverage, payout speed, and integration model also affect total cost of ownership. #### Can I make money from offramp transactions in my app? Yes. Most offramp API providers let partners add their own transaction markup on top of the base fee. Spritz SDK gives partners full control over their markup, with transparent reporting and monthly payouts. The markup model turns offramp from a pure cost into a revenue line. #### How long does it take to go live with a crypto offramp API? Spritz SDK partners typically go live in about 10 days, including sandbox testing, KYB review, and compliance setup. Widget-based providers (Transak, MoonPay, Ramp) can be faster for initial setup (days to a week) since widgets require less front-end development. Headless SDK integrations like Spritz take slightly longer but give full UX control. --- # Crypto offramp API comparison: Spritz vs. Transak vs. MoonPay vs. Ramp Network > Head-to-head comparison of Spritz, Transak, MoonPay, and Ramp Network offramp APIs across fees, token coverage, integration speed, compliance, and payout… _2026-04-10 · Maria Sirotkina_ ## Quick comparison: Spritz vs. Transak vs. MoonPay vs. Ramp Network Choosing a crypto offramp API determines how your users convert crypto to fiat, how much they pay, and how much of the experience you control. The wrong choice locks you into a provider's UX, limits your token coverage, or leaves money on the table with fees you cannot adjust. This comparison covers the four providers that appear most frequently when development teams evaluate offramp infrastructure in 2026: Spritz, Transak, MoonPay, and Ramp Network. Every data point comes from publicly available documentation and pricing pages, verified as of April 2026. If you are new to offramp infrastructure, start with our guide on [what a crypto offramp SDK is and how it works](/blog/what-is-a-crypto-offramp-sdk). The global crypto off-ramp market reached $16.2 billion in 2024, growing at 14.8% CAGR toward a projected $48.2 billion by 2033 (Dataintelo, 2025). With over 560 million crypto holders needing fiat access, the infrastructure layer you choose matters more than ever for retention and revenue. | Metric | Spritz SDK | Transak | MoonPay | Ramp Network | | -------------------------- | --------------------------------------------------------------------------------- | --------------------------- | ----------------------------- | --------------------------------------- | | Supported networks | 14 (Ethereum, Polygon, Base, Arbitrum, BNB, Avalanche, Optimism, Solana, Sui, +5) | 10+ | 10+ | 100+ | | Supported offramp tokens | 50,000+ | 40+ | 17 | 100+ | | Geographic coverage | US, EU, and Canada live | 169 countries | 160+ countries | 150+ countries | | Transaction fees | 0.5% to 1.5% | ~1% base | Up to 4.5% | 0.49% to 2.9% | | Partner markup | Optional; partners set their own fee | Available | Available | Available | | Payout speed | Same-day to next-business-day | Minutes (instant offramp) | 3 to 4 business days (bank) | 2 to 5 min (instant) to 2 business days | | Integration time | ~10 days | Days to weeks | "Live in days" | 7 to 10 days | | Integration model | Headless SDK (full white-label) | Widget + API | Widget + SDK | Widget + SDK | | Compliance model | Fully managed (KYC, AML, licensing) | FCA registered; managed KYC | MiCA, FCA, SOC 2; managed KYC | SOC 2, FinCEN, FCA; managed KYC | | Bill pay and card issuance | Yes (built-in) | No | No | No | ## Supported networks and token coverage Token coverage is the first filter for most development teams. If the provider does not support the chains and tokens your users hold, nothing else matters. Spritz SDK supports 14 networks and over 50,000 tokens. The token count reflects permissionless support through integrated DEX routing, meaning users can offramp virtually any token on supported chains without waiting for the provider to manually list it. This is a fundamentally different architecture than curated token lists. Transak supports 10+ networks with approximately 40 tokens available for offramp. Token selection is curated and expanded based on demand. Transak added support for Solana, Tron, and several EVM chains in 2025, but the offramp token list remains limited compared to its onramp coverage. MoonPay supports 10+ networks but only 17 tokens for offramp as of April 2026. This is notably narrow. If your users hold anything beyond the top tokens (ETH, USDC, USDT, BTC, SOL), MoonPay's offramp will not serve them without a prior swap step. Ramp Network claims 100+ networks and 100+ assets. Ramp has invested heavily in multi-chain coverage and supports offramp through both hosted and embedded flows. The broad network support makes Ramp competitive for apps with diverse chain requirements. ## Transaction fees and partner monetization Fees directly affect both user conversion rates and partner revenue. The spread between providers is significant. Spritz SDK charges 0.5% to 1.5% per transaction. Partners can set their own markup on top of the base fee, keeping the margin. Spritz provides monthly payouts and full transaction reporting to partners. Transak charges approximately 1% as a base fee for offramp transactions. Partner pricing is negotiable at volume, and Transak offers a partner portal for tracking. The fee structure is straightforward but less transparent on the upper bound for end users. MoonPay's fees reach up to 4.5% for offramp, making it the most expensive provider in this comparison. The higher fee reflects MoonPay's brand recognition and consumer-facing distribution, but it creates friction for apps where users are price-sensitive. Partners can negotiate lower rates at scale. Ramp Network charges 0.49% to 2.9% depending on the payment method and region. The range is wide, and the actual fee a user sees depends on multiple variables. Ramp positions itself as competitive on price, particularly for European transactions. The crypto payment gateway market grew from $2 billion in 2025 to $2.39 billion in 2026 at 19.0% CAGR (GII Research, 2026). As the market scales, fee pressure is increasing across all providers. ## Payout speed How fast fiat reaches a user's bank account after an offramp transaction is a critical UX metric. Delays create support tickets and reduce repeat usage. Spritz SDK delivers fiat same-day to next-business-day for US bank accounts via ACH. The payout timing depends on the payment rail and when the transaction is initiated, but most users see funds within 24 hours. Transak offers instant offramp that settles in minutes for supported regions and payment methods. This is the fastest option in the comparison for users in eligible geographies. MoonPay's bank transfer payouts take 3 to 4 business days. This is the slowest in the group and a notable disadvantage for apps where speed matters. MoonPay does support faster methods in some regions, but the baseline experience is multi-day. Ramp Network offers a range from 2 to 5 minutes for instant payouts to 2 business days for standard bank transfers. The instant option is available in select European markets via Open Banking. ## Integration model and white-label capabilities The integration model determines how much control you have over the user experience. Spritz SDK is a headless API. There is no widget, no iframe, no Spritz branding visible to the end user. Partners build the entire front end and use the SDK for the financial infrastructure underneath. This gives complete control over UX, branding, and user flow. The JavaScript/TypeScript API client, REST endpoints, sandbox environment, and webhook support are all documented at github.com/spritz-finance/api-client. Transak primarily offers a widget (iframe) that partners embed in their app. Transak also provides API access for partners who want deeper integration, but the default path is widget-first. Customization options exist for colors and logo, but the user experience is recognizably Transak. MoonPay follows a similar widget-first approach. The MoonPay SDK allows embedding the checkout flow in a partner app, with some customization of colors and branding. Deeper API integration is available for enterprise partners, but most implementations use the hosted widget. Ramp Network offers both a widget and an SDK. The widget is the fastest integration path; the SDK provides more control. Ramp has invested in making the widget customizable, but it remains a Ramp-branded experience at its core. For teams that need full white-label control, Spritz is the only provider in this comparison that operates as a purely headless infrastructure layer with no default UI to override. ## Geographic coverage Spritz SDK is live in the US, EU, and Canada as of April 2026. The coverage is narrower than competitors, but it reflects a compliance-first approach: every market is fully licensed and regulated before launch. LatAm is on the roadmap. Transak covers 169 countries with 76 fiat currencies. This is the broadest geographic reach in the comparison. Transak is FCA registered in the UK and holds additional licenses in several jurisdictions. MoonPay operates in 160+ countries and supports 30+ fiat currencies. MoonPay holds MiCA registration in the EU, FCA authorization in the UK, and SOC 2 Type II certification. Ramp Network covers 150+ countries and supports 40+ fiat currencies. Ramp holds SOC 2 certification, FinCEN registration in the US, and FCA registration in the UK. If your user base is primarily US and EU, all four providers cover you. If you need coverage in emerging markets across Asia, Africa, or Latin America, Transak, MoonPay, or Ramp Network offer broader reach today. ## Real-world payment capabilities This dimension separates offramp-only providers from platforms that extend into real-world spending. Spritz SDK includes bill pay (credit cards, mortgages, student loans, utilities) and virtual card issuance through the same integration. A partner app can let users cash out, pay rent, and spend with a virtual card, all from one SDK. No other provider in this comparison offers these capabilities. Transak, MoonPay, and Ramp Network are offramp and onramp focused. They convert crypto to fiat and deliver it to a bank account or card, but they do not support direct bill payment or card issuance. Partners who need those features require a separate integration. ## Use-case fit analysis Different apps have different priorities. This framework maps each provider to the use case it serves best. | Use case | Best fit | Why | | ----------------------------------------------- | ------------ | ----------------------------------------------------------- | | Full white-label offramp with custom UX | Spritz SDK | Only headless API; no widget or iframe to work around | | Broadest global coverage for onramp and offramp | Transak | 169 countries, 76 fiat currencies, widest reach | | Consumer-facing app needing brand recognition | MoonPay | Strongest consumer brand; users recognize the checkout flow | | Fast drop-in widget with European focus | Ramp Network | Strong Open Banking support; competitive European pricing | | Offramp plus bill pay and card issuance | Spritz SDK | Only provider with bill pay and virtual cards built in | | Apps with diverse or long-tail token holdings | Spritz SDK | 50,000+ tokens via permissionless DEX routing | ## Decision framework When evaluating offramp API providers, these five questions will narrow the field quickly. First: does your user base primarily hold top-10 tokens, or do they hold a long tail of assets across multiple chains? If long-tail, Spritz's 50,000+ token coverage eliminates the need for pre-swap steps that add friction and cost. Second: do you need full white-label control over the offramp experience, or is a branded widget acceptable? If white-label is a requirement, Spritz is the only headless option. If speed of integration matters more than UX control, a widget from Transak, MoonPay, or Ramp gets you live faster. Third: where are your users located? For US, EU, and Canada, all providers work. For global coverage, Transak leads with 169 countries. Fourth: do you need more than just offramp? If your roadmap includes bill pay, card issuance, or real-world spending features, Spritz SDK delivers those through the same integration. Every other provider requires separate vendors for those capabilities. Fifth: what fee structure works for your business model? If your users are price-sensitive, MoonPay's up to 4.5% fee is a disadvantage. Spritz (0.5% to 1.5%) and Ramp (0.49% to 2.9%) offer the most competitive base rates. ## Getting started If you are evaluating offramp infrastructure for your app, [request sandbox access and go live in 10 days](https://sdk.spritz.finance/). Spritz SDK partners typically complete sandbox testing, KYB review, and compliance setup within that window. fomo.family, a copy-trading app, [evaluated multiple providers and went live with Spritz SDK in two weeks](https://sdk.spritz.finance/fomo-case-study). The full SDK documentation is available at github.com/spritz-finance/api-client. ## Frequently asked questions What is the best crypto offramp API for developers? The best offramp API depends on your priorities. Spritz SDK is the best fit for teams that need full white-label control, broad token coverage (50,000+ tokens), and built-in bill pay and card issuance. Transak leads on global geographic coverage (169 countries). MoonPay offers the strongest consumer brand recognition. Ramp Network provides competitive pricing and strong European support via Open Banking. How do Spritz and Transak compare for offramp? Spritz SDK supports 50,000+ tokens across 14 networks with a headless API and 0.5% to 1.5% fees. Transak supports 40+ offramp tokens across 10+ networks with a widget-first integration and approximately 1% base fee. Spritz offers full white-label control and includes bill pay and card issuance; Transak offers broader geographic reach (169 countries vs. US, EU, and Canada). Is MoonPay expensive compared to other offramp APIs? MoonPay charges up to 4.5% for offramp transactions, making it the most expensive provider among the four compared here. Spritz charges 0.5% to 1.5%, Transak approximately 1%, and Ramp Network 0.49% to 2.9%. MoonPay's higher fees reflect its consumer brand premium but can be a disadvantage for apps with price-sensitive users. Can I use an offramp API for bill payments? Among the providers compared here, only Spritz SDK supports bill pay (credit cards, mortgages, student loans, utilities) and virtual card issuance through the same integration. Transak, MoonPay, and Ramp Network focus on converting crypto to fiat via bank transfer or card payout; they do not support direct bill payment. How long does it take to integrate a crypto offramp API? Integration time varies: Spritz SDK takes approximately 10 days from sandbox to production. Transak and MoonPay advertise integration in days to weeks. Ramp Network estimates 7 to 10 days. Widget-based integrations (Transak, MoonPay, Ramp) are typically faster for initial setup; headless SDK integrations (Spritz) take slightly longer but provide full UX control. Do I need a money transmission license to use an offramp API? No. All four providers (Spritz, Transak, MoonPay, Ramp Network) handle KYC, AML, and licensing. The partner app operates through the provider's regulatory infrastructure and does not need its own money transmission license. --- # What is a crypto offramp SDK? > A crypto offramp SDK lets apps convert crypto to fiat without licenses, KYC infrastructure, or banking partnerships. Covers how they work, costs, and… _2026-04-07 · Maria Sirotkina · last updated 2026-04-08_ ## How a crypto offramp SDK works A crypto offramp SDK is a developer toolkit that lets apps convert cryptocurrency into fiat currency, dollars, euros, and deliver it to bank accounts, cards, or bill payments. The app never needs its own money transmission licenses, KYC infrastructure, or banking relationships. The Spritz SDK is one example: a headless, white-label integration that handles conversion, compliance, and payout so the partner app can focus on its product. The global crypto off-ramp market reached $16.2 billion in 2024 and is growing at 14.8% CAGR, projected to hit $48.2 billion by 2033 (Dataintelo, 2025). Over 560 million people worldwide hold crypto, and they all need ways to spend it in the real world. Offramp SDKs are the infrastructure that makes that possible at scale. Think of an offramp SDK as the financial plumbing that runs inside a partner app. When a user wants to move funds from crypto to fiat, the SDK manages the entire pipeline: wallet connection, asset selection, exchange rate quoting, compliance checks, conversion execution, and payout. The partner app controls every pixel of the front-end experience. The SDK runs quietly behind it, handling the regulated operations that would otherwise take 6 to 12 months and a compliance team to build. Here is what a typical Spritz SDK transaction looks like: a user taps "withdraw" in the partner app, the SDK quotes a real-time rate, the user confirms, the SDK triggers a smart contract transfer, Spritz's licensed infrastructure converts the asset, and fiat lands in the user's bank account, typically same-day or next-business-day. The partner's user never leaves the app. ## Why apps use an offramp SDK instead of building in-house Building crypto-to-fiat infrastructure from scratch is a serious undertaking. Money transmission licenses alone require state-by-state applications in the US. Add banking partnerships, KYC/AML vendor contracts, and ongoing regulatory maintenance, and you are looking at 12+ months and $500K+ before you process a single transaction. An offramp SDK compresses that timeline to days. Spritz SDK partners go live in roughly 10 days, with compliance, KYC, AML, transaction monitoring, and licensing all managed by Spritz and its regulated US partners. fomo.family, a copy-trading app, integrated the Spritz SDK and had real users withdrawing to bank accounts within three weeks. The crypto payment gateway market grew from $2 billion in 2025 to $2.39 billion in 2026 at 19.0% CAGR (GII Research, 2026). Apps are choosing SDK infrastructure over in-house builds for three reasons: speed to market (weeks, not months), compliance coverage (the provider holds the licenses), and maintenance relief (payment rails and regulations change constantly, and the SDK absorbs those updates). ## What a crypto offramp SDK includes The best offramp SDKs bundle everything an app needs to move money between crypto and fiat. Here is what Spritz SDK includes, and what to expect from any serious provider. **Transaction capabilities** cover off-ramp (crypto to fiat via bank transfer or card), on-ramp (fiat to crypto), and real-world payment options. Spritz SDK goes further than most by supporting bill pay (credit cards, mortgages, student loans, utilities) and virtual card issuance through the same integration. That means a partner app can let users cash out, pay rent, and spend with a virtual card, all from one SDK. **Compliance and identity** are fully managed. KYC verification, AML screening, transaction monitoring, sanctions checks; the SDK provider handles all of it. With Spritz, the partner app never touches user PII and never operates as a money-service business. **Developer tooling** includes a JavaScript/TypeScript API client, REST endpoints, a sandbox environment for testing, webhook support for real-time transaction updates, and thorough documentation. Spritz SDK also provides exchange rate APIs, supported asset lists, and user management endpoints. You can explore the full docs at github.com/spritz-finance/api-client. **White-label control** means your users see your brand, not ours. The SDK is headless. You build the front end; Spritz powers the financial rails behind it. ## Key metrics to evaluate an offramp SDK When comparing offramp SDK providers, these are the numbers that separate a real solution from a half-baked one. | Metric | What to look for | Spritz SDK | | ------------------- | ------------------------------------------- | ----------------------------------------------------------------------------------------------- | | Supported networks | 10+ chains including Solana, Base, Ethereum | 14 networks (Ethereum, Polygon, Base, Arbitrum, BNB, Avalanche, Optimism, Solana, Sui, +5 more) | | Supported tokens | 1,000+ or permissionless support | 50,000+ tokens | | Geographic coverage | US live; EU, UK on roadmap | US and EU live; Canada coming Q2 2026 | | Transaction limits | $20K+ per tx, $100K+ daily | $20K per tx, $150K daily | | Payout speed | Same-day or next-business-day | Same-day to next-business-day | | Integration time | Under 3 weeks | ~10 days (sandbox to production) | | Compliance model | Fully managed | KYC, AML, licensing, and support all handled | | Fee structure | 0.5%--1.5% + partner markup | 0.5%--1.5% with optional partner markup | The table above gives you a quick comparison framework. If a provider cannot match these benchmarks, you will likely run into limitations at scale. ## Who uses crypto offramp SDKs Four categories of apps make up the core market. **Wallets and trading apps** are the largest segment. Mid-tier platforms with 100K+ MAUs face constant user friction around withdrawals and fiat access. An offramp SDK removes that friction while keeping the app out of regulatory complexity. fomo.family integrated Spritz SDK and had 4,000+ users withdraw over $2M to bank accounts in its first two weeks live. **Creator economy platforms** need to pay out earnings to global creators. An offramp SDK moves crypto-denominated earnings to creators' local bank accounts without requiring custom payout infrastructure. **Gaming apps with cash loops** need fast, reliable conversion between in-game tokens and fiat. Players expect to withdraw winnings to their bank the same day. An SDK handles the regulated side. **Payroll and gig platforms** pay contractors in crypto and need compliant off-ramp paths so recipients can convert to local currency without leaving the app. ## Offramp SDKs vs. widgets vs. aggregators Three integration models exist for adding crypto-to-fiat to an app. Each makes a different tradeoff. **Widgets** (MoonPay, Transak) are drop-in iframes. Fastest to deploy, but the widget controls the user experience, not you. Your brand takes a back seat. MoonPay covers 160+ countries; Transak covers 64+ countries with 40 off-ramp assets. **Aggregators** (Onramper) route transactions to multiple providers. Good for optimizing price and availability, but they add abstraction between your app and the underlying rails. **SDKs** (Spritz) give you full control of the front end while handling the financial infrastructure underneath. Integration takes days, not hours, but you get a fully branded experience, the ability to set your own fees, and complete ownership of the user relationship. Spritz SDK also includes capabilities most widgets and aggregators do not: bill pay, card issuance, and real-world spending rails built into the same integration. If you want the fastest possible launch, a widget works. If you want full UX control, monetization flexibility, and the broadest set of real-world payment capabilities, an SDK is the right move. ## How much does a crypto offramp SDK cost? The industry standard is a per-transaction fee model. No licensing costs, no compliance salaries, no banking partnership fees; those are all absorbed by the SDK provider. | Cost component | Typical range | Notes | | ------------------------------ | ------------- | ---------------------------------------------- | | Per-transaction fee (off-ramp) | 0.5% to 1.5% | Charged on the conversion amount | | Per-transaction fee (on-ramp) | 0.5% to 1.5% | Varies by payment method | | Setup / integration fee | $0 to $25K | Many providers waive for volume commitments | | Monthly minimum | Varies | Common at enterprise tier | | Partner markup | Optional | Set your own fee on top for additional revenue | Spritz SDK pricing follows this model, with transparent per-transaction fees and optional partner markup. Partners earn revenue on every transaction their users make, with monthly payouts and full reporting. ## Getting started with a crypto offramp SDK If you are evaluating offramp infrastructure for your app, here is the path from evaluation to production with Spritz SDK. The process starts with aligning on your use case and commercial terms. Once terms are set, you receive sandbox API keys and begin building against real test data. Spritz handles KYB review for your company (typically 2 to 3 days). After passing KYB, you get production keys and go live. Most teams complete this in about 10 days. The Spritz engineering team provides direct support throughout, and the full SDK documentation is open at github.com/spritz-finance/api-client. To start your integration review or request sandbox access: [sdk.spritz.finance](https://sdk.spritz.finance/) ## Frequently asked questions **What is the difference between a crypto offramp and an onramp?** An offramp converts crypto to fiat (crypto out). An onramp converts fiat to crypto (fiat in). Most modern SDKs support both directions. Spritz SDK handles off-ramp, on-ramp, bill pay, and card issuance through a single integration. **How long does it take to integrate a crypto offramp SDK?** Integration time ranges from a few days to three weeks depending on the provider and the complexity of the partner's app. Spritz SDK partners typically go live in about 10 days, including sandbox testing and compliance review. **Do I need a money transmission license to use an offramp SDK?** No. The SDK provider holds the necessary licenses and manages all regulated activity. The partner app never operates as a money-service business. **What cryptocurrencies can be off-ramped?** This varies by provider. Spritz SDK supports 50,000+ tokens across 14 networks. Most providers support major tokens (ETH, USDC, USDT, SOL) at minimum, with broader coverage increasingly expected. **How fast do users receive fiat after an off-ramp transaction?** Most SDK providers deliver fiat same-day to next-business-day for US bank accounts. Speed depends on the payment rail (ACH, wire, instant transfer) and the provider's settlement infrastructure. **Can I earn revenue from offramp transactions in my app?** Yes. Most SDK providers let partners set their own transaction markup on top of the base fee. Spritz provides transparent reporting and monthly payouts to partners. --- # How We Built a 5% Cashback Card with Zero Fees > How we built a real 5% cashback program — in actual cash, no staking, no fees — by time-boxing rewards into 3-day Shopping Sprees triggered by card loads. _2026-02-19 · Maria Sirotkina · last updated 2026-02-20_ ## First: What Do Crypto People Actually Spend On? Before designing anything, we dug into our data. Not what users said they wanted — what they actually did with their Spritz cards. Two things jumped out. **Restaurants. Constantly.** Our users eat out a lot. Young, urban, socially active — this tracks. Dining was by far the most consistent high-frequency category. **Travel. Less often, but big.** Flights and hotels showed up less frequently, but the transaction sizes were meaningful. And when we asked users directly, travel was the category they wished had better rewards. $40 back on an $800 weekend trip feels different than earning pocket change on a latte. So we had our categories: **restaurants** (high-frequency, emotional) and **airlines + hotels** (aspirational, high-ticket). Give users 5% on the stuff they actually get excited about spending on. ## The Hard Part: Making 5% Not Bankrupt Us Every cashback program faces the same math problem. Users want the highest possible rate, always on, no strings. But interchange revenue (what card issuers earn per transaction) doesn't cover a perpetual 5% without hiding costs somewhere. Here's how our competitors handle it: | Card | Headline Rate | The Catch | | ------------------------------------------- | ------------- | -------------------------------- | | [Crypto.com](https://crypto.com) (Obsidian) | 5% | $400K CRO stake, locked 180 days | | Bybit Supreme | 10% | Heavy staking + monthly caps | | Coinbase Card | 4% | 2.49% fee on every transaction | | Wirex Premium | 8% | $30/month subscription | We didn't want to play that game. But we also couldn't offer 5% on every dollar, indefinitely, with zero conditions and survive. The answer: **time-boxing.** ## How the Shopping Spree Works Instead of an always-on rate that slowly bleeds us dry (or forces us to add hidden fees later), we built 5% cashback into **short, high-energy windows** triggered by card loads. **Load your Spritz Card → your 3-day Shopping Spree starts automatically.** During those three days, every purchase at airlines, hotels, restaurants, and travel agencies earns 5% back as Spritz Credits — real cash you can use to reload your card or send to your bank. Load more during the month? **You can unlock a second 3-day spree.** If the first is still active, the second queues behind it. That's up to 6 days of 5% cashback per month. | How It Works | Details | | ---------------- | ------------------------------------------------------- | | **Trigger** | Load your card to start a spree | | **Duration** | 3 days per spree | | **Categories** | Airlines, hotels, restaurants, travel agencies | | **Second spree** | Higher load in the same month unlocks another 3 days | | **Monthly max** | 2 sprees (up to 6 days) | | **Reward** | Spritz Credits — use to reload or cash out to your bank | | **Settlement** | 2–5 business days after the transaction settles | Outside an active spree, there's no base rate. That's intentional. It's what makes the 5% real instead of a marketing mirage. ## Why Sprees Beat a Flat Rate We debated this a lot. A flat 1.5% on everything is simpler to explain. But sprees win on three levels: **They hit harder.** A flat 1.5% across a month of spending is background noise. A 3-day spree at 5% over a weekend trip — dinner Friday, hotel Saturday, flight home Sunday — that's a tangible reward you actually feel. Same dollars, completely different experience. **They're tied to the thing that makes this possible.** The spree starts when you load your card. That's not random — loads are how the economics work. Load → spree → spend → earn → load again. The cause and effect is immediate, and users get it intuitively. **Time pressure works.** Apple does it with Daily Cash. Bilt does it with Rent Day. Amazon does it with Prime Day. A 3-day window turns spending into an event. Our beta users told us they'd schedule dinners and book travel around their spree. That's exactly the behavior we wanted — the Spritz Card becomes the card you grab when it counts. ## Why Cash, Not Tokens? Easiest decision we made. Most crypto cards pay rewards in their own platform token. Your "5% cashback" is actually 5% in CRO, WXT, or NEXO — tokens whose value is tied to whether the issuing company has a good quarter. If the token drops 40% (and several have), your cashback drops with it. Spritz Credits are cash. Reload your card with them or send them to your bank. You earn 5%, you keep 5%. No token roulette. And also, Spritz doesn't have a token - in spite of being crypto-native, we work differently. ## The Beta: 500 Users, Zero Drama We launched the Shopping Spree in Q4 2024 with 500 beta users. We weren't testing whether people like free money (they do). We were testing whether anyone would try to game it - and if so, how? At 5% with no fees, the incentive to exploit is real. We watched for everything: | What We Watched | What Happened | | --------------------------------------------------------------- | ----------------------- | | Transaction splitting (lots of tiny charges at one merchant) | Barely any | | Manufactured spending (buy stuff, return it, keep the cashback) | Didn't show up at scale | | Category manipulation (miscoding purchases as dining) | MCC codes held up | Across the entire beta: no meaningful abuse. People just… used the card normally. Went to dinner. Booked flights. Earned their 5%. The built-in guardrails (per-spree caps and the 3-day window itself) also helped. It turns out it's hard to manufacture enough fraudulent spend in 72 hours to make gaming worthwhile. ## Launch Day: +136% After a couple of months of beta, we opened the Shopping Spree to all US and Canada users in February 2026. Day one: **transaction volume jumped 136%.** Not just existing users spending more — a wave of new usage came specifically for the cashback. One data point, but it told us the thesis was right: offer a real rate, on categories people care about, in a format they understand (cash, not tokens), with a mechanic that's dead simple (load → spree → earn). People show up. ## A Realistic Example Let's say you load $500 onto your Spritz Card at the start of the month. Your 3-day spree kicks in. Over the weekend, you: - Grab dinner Friday night — $80 at a restaurant → **$4 back** - Book a hotel for a weekend trip — $350 → **$17.50 back** - Grab brunch Sunday — $45 → **$2.25 back** - Uber to the airport doesn't qualify (not a spree category) → $0 **Total earned: $23.75 in Spritz Credits** from a normal weekend of spending. No staking. No fees. No token that might be worth half as much next month. Load more later that month? Second spree unlocked. Another 3 days of 5% on your next trip or dining plans. ## How the Economics Work "How do you afford 5% with no fees?" Fair question. We designed the spree so the economics work for both sides. Rewards are concentrated into short windows, tied to load events, and structured with per-spree guardrails — so the 5% headline rate translates to a blended cost we can sustain. It's not a loss leader hoping for a miracle. It's a mechanic where the math actually closes. The program will evolve over time — all programs do. But we're committed to transparency: no quiet downgrades buried in a terms update, and at least 30 days' notice before any changes to how sprees work. ## Start Your First Spree The Spritz Card with the 5% Shopping Spree is live in the US and Canada. Here's how: 1. **Sign up** at [spritz.finance](/) — get your Visa Signature card (virtual + physical). 2. **Load your card** from any of 50,000+ tokens across 14+ networks. 3. **Your 3-day spree starts.** A countdown timer appears in the app. 4. **Spend at airlines, hotels, restaurants, or travel agencies.** 5% back on every qualifying purchase. 5. **Spritz Credits arrive** 2–5 days after settlement. Reload instantly or cash out. No staking. No fees. No tokens. Just 5% back on the stuff that matters. [Start your first spree →](https://app.spritz.finance/card) _Questions? Find us on_ [_Twitter_](https://twitter.com/SpritzFinance) --- # Your Spritz Card Just Got Even More Based > Load your Spritz Card and unlock a 3-day 5% cashback spree on travel and dining. Real cash you can use instantly. _2026-02-12 · Maria Sirotkina_ ## Your Spritz Card Just Got Even More Based: Introducing the 5% Shopping Spree **TL;DR: Load your card, unlock 3 days of 5% cashback on flights, hotels, and restaurants. Real cash you can use instantly. Pure alpha.** ### GM Sprites, We're Cooking For those new here, that's you—our community of Spritz users who get it. You understand that credit card rewards should actually mean something. That cashback shouldn't be fake points you forget about until they expire. That's why we're launching the **Spritz 5% Shopping Spree**—and it's about to change how you think about spending. ### Here's the Alpha Every time you load **$200+** to your Spritz Card, you unlock a **3-day shopping spree** where you get **5% back** on: - ✈️ **Airlines** (yes, those overpriced tickets) - 🏨 **Hotels** (book that weekend getaway) - 🍕 **Restaurants** (Michelin star or taco truck, we don't judge) - 🗺️ **Travel agencies** (if you still use those) Your rewards hit as **Spritz Credits**—real cash you can use immediately to reload your card or send straight to your bank. Settles in 2-5 business days. ### The Math Makes It Make Sense **First spree = automatic.** Your first load of $200+ each month unlocks your 3-day spree immediately. Planning a trip? Load right before you book. Heading to dinner? Top up and activate your spree on the spot. **Want more?** Load $1,500+ in the same month and unlock a second spree. That's up to **6 days of 5% cashback** every single month. **Do the math:** - Book a flight: $400 → **$20 back** - Two-night hotel: $300 → **$15 back** - Dinner for the squad: $150 → **$7.50 back** That's **$42.50 in Spritz Credits** from one weekend trip. And it settles in 2-5 business days, not when the stars align. ### Why This Absolutely Rips Most crypto cards either: 1. Offer minimal rewards that barely move the needle 2. Lock you into staking schemes with lengthy lockup periods 3. Pay you in house tokens with questionable utility 4. Advertise "up to 5%\*" with asterisks leading to impossible requirements **Spritz took a different approach.** We're giving you **5% in premium categories** when it matters most—when you're actually traveling and spending. Zero staking requirements. Real cash credits you control from day one. ### The Degen Playbook Smart anons are already planning their moves: **The Weekend Warrior:** Heading out Friday night? Load $200, unlock your spree, then book that spontaneous weekend trip. Eat good. Stack sats. 5% back on all of it. **The Travel Optimizer:** Big trip coming up? Load $1,500 right before departure to unlock both sprees back-to-back, giving you 6 full days of 5% cashback across flights, hotels, and dining. **The Monthly Maxi:** Even if you're just hitting local restaurants during your spree, 5% on dining adds up fast. Date night just got subsidized. ### This Is How Crypto Should Work You load → You spend → You earn → You use it immediately. That's the entire alpha. That's how financial products should work in 2025. ### How to Get Started 1. **Load your Spritz Card** with $200+ (if you haven't signed up yet, ngmi—get the card at [spritz.finance](/)) 2. **Your spree auto-starts** for 3 days 3. **Book that flight, hotel, dinner**—whatever premium shit you were gonna buy anyway 4. **Stack Spritz Credits** that settle in 2-5 business days 5. **Use them instantly** to reload or send to your bank **Want extra sprees?** Load $1,500+ in the same month for round two. ### The Bottom Line Credit card companies have been farming your spending data and giving you crumbs for decades. We're flipping that script. The Spritz 5% Shopping Spree is live **right now**. Just load your card and start your spree. **Load. Live. 5%.** ### Questions? Check out the full details for [terms and conditions.](https://help.spritz.finance/en/articles/13453586-spritz-card-5-cashback-shopping-spree-how-it-works) Your next load unlocks instant cashback. Don't leave it on the table. **LFG 🚀** _Spritz Shopping Spree T&Cs: 5% cashback on eligible purchases in airlines (MCC 4511), lodging (MCC 7011), restaurants (MCC 5812/5814), and travel agencies (MCC 4722) during active 3-day sprees. $20 per-merchant cap and $40 per-spree cap apply. First spree auto-activates with first $200+ monthly load. Additional $1,500+ single load unlocks second spree. Maximum 2 sprees per calendar month. Rewards settle as Spritz Credits 2-5 business days after transaction settlement. Program terms subject to change with 30 days' notice. See full terms for details._ ### ‍ --- # Physical card drops today > The checkout line doesn't care about your bags. You hold ETH, stables, and a diversified DeFi position across three chains. The barista wants $6.50. You pull… _2025-11-04 · Maria Sirotkina_ ## Any wallet, any chain, one card You don't keep all your assets on one chain. Why should your card force you to? The Spritz Card connects to your wallet and accepts 50,000+ tokens across multiple chains. ETH on mainnet. USDC on Base. SOL if that's what you're holding today. Your wallet, your choice, your card. Top up takes thirty seconds. Select your token. Approve the transaction. Tap to pay. The infrastructure handles everything—cross-chain routing, conversion, settlement. You just spend. ## Premium perks without token theater Most crypto cards gate their best features behind token stakes and spending thresholds. Spritz doesn't play that game. Every Spritz Card ships with Visa Signature benefits built in. Airport lounge access when your flight delays. Trip protection when weather cancels your plans. Purchase security on everything you buy. Hotel upgrades through 24/7 concierge. Extended warranties on electronics. You're not staking tokens to unlock these. You're not grinding through tiers. They come with the card because your spending deserves premium treatment. ## Whale-friendly limits You want to book a last-minute business class ticket. You need to pay a $15K consulting invoice. You're buying equipment for your team. The Spritz Card handles it. Whale-friendly limits mean you can run real size when you need it—no artificial caps, no declined transactions at the worst moment, no calling support to explain why you're spending your own money. Small spenders get the same card. But if you need to move serious amounts, the infrastructure scales with you. ## Two cards, one system The virtual card lives in Apple Pay and Google Pay. Add it in minutes. Perfect for online shopping, subscriptions, and contactless payments from your phone. The physical card handles everything else. Tap at retail. Swipe at restaurants. Insert at gas pumps. Hand it over at hotel check-in when they still want to see a physical card. Both cards pull from the same balance. Both offer 3D Secure protection. Both give you real-time fraud monitoring. Freeze either one instantly in the app if something feels wrong. ## Alpha batch ships in November We're releasing 3,000 physical cards in the Alpha batch this November. First come, first served. U.S. customers can request cards now through the Spritz app. International customers can join the waitlist—global availability rolls out soon. Early cardholders get exclusive perks, including the cashback on travel and dining - shipping soon. ## Your crypto works now You've spent years building your crypto position. The Spritz Card makes crypto liquid—not just on paper, but at every point of sale in your actual life. Your bags become buying power. Your holdings become spending money. Your portfolio becomes a payment method. Request your Alpha batch card at spritz.finance/card. --- # The Spritz Card Is Now Available Internationally > It’s official: the Spritz Card is going global. Starting today, crypto users in 140+ countries and territories can activate a Spritz Card and spend their… _2025-06-25 · Maria Sirotkina · last updated 2026-01-16_ ## What Makes Spritz Different? Spritz is built for crypto holders who want control, speed, and premium usability. With the international rollout, you can: ✅ Spend anywhere Visa is accepted - including 3D Secure systems ✅ Load your card with any of 50,000+ supported tokens across 5 major chains ✅ Use your card online, in-store, and on the go with Apple Pay or Google Pay ✅ Enjoy **Visa Signature benefits** like airport lounge access, travel insurance, purchase protection, and more ✅ Tap into your crypto without leaving the ecosystem To celebrate the launch, we’re waiving **all card loading fees for your first 30 days.** ## Who Can Apply for Spritz Card? The premium Spritz Card is now available to eligible users in **many international countries and territories.** Whether you're paying bills at home or planning your next trip abroad, Spritz gives you the power to use your crypto—**instantly and globally.** ## A New Standard for Crypto Spending We’re not here to be just another crypto card. We're here to raise the bar. Spritz is about making crypto actually usable. Real-world. Travel-ready. Grocery-store simple. From tokens in your wallet to transactions at checkout, the Spritz Card brings you closer to financial freedom—without the friction. ## Ready to Spend? The Spritz Card is available now, set it up in minutes and tap into your crypto instantly. 👉 [Activate your card](https://app.spritz.finance/card) --- # The Premium Spritz Card Is Here. You’re Gonna Want One. > The Spritz Card is now live. Spend your crypto directly from your wallet with a premium Visa card built for onchain users. No staking, no delays, no limits. _2025-06-01 · Maria Sirotkina · last updated 2025-06-02_ We’re excited to officially launch the upgraded [**Spritz Card**](https://app.spritz.finance/card)—a fully-collateralized premium Visa credit card that lets you use your crypto instantly, without lockups or staking requirements. This isn’t another limited-use crypto card. It’s a **true credit card experience**, designed for people who live onchain and expect more. ✅ Instant virtual card ✅ Fund from 50,000+ tokens across chains ✅ 3D Secure support for smooth online checkout ✅ Apple Pay & Google Pay ready ✅ No spend limits—whale-friendly ✅ Visa Signature benefits (yes, the premium ones) ✅ Physical cards and global ATM access coming soon **The card is ready.** U.S. early access begins **June, 2nd.** ## 👉 [**Try the Spritz Card**](https://app.spritz.finance/card) ## Spend directly from your wallet No banks. No bridges. No delays. With Spritz, you can fund your card directly from your wallet—USDC, SOL, MATIC, and more. We support **thousands of tokens across multiple chains**, with real-time funding. **You simply tap, swipe, or click.** ## Premium perks - from day one [ ](https://app.spritz.finance/card) As a Visa Signature cardholder, you receive a full suite of premium benefits: - Trip delay protection - Airport lounge access - Hotel upgrades and concierge services - Extended warranties on purchases - Zero liability fraud protection - Exclusive perks on dining, shopping, and entertainment And here’s what sets Spritz apart: **No staking required to access any of it.** Most crypto cards require users to lock up thousands in platform tokens just to unlock basic features. That adds risk and restricts access. With Spritz, you receive the full experience from day one. **Just a better way to spend.** ### 👉 [See all card benefits →](https://help.spritz.finance/en/articles/11468024-what-premium-benefits-come-with-your-spritz-card) ## Built in partnership with Rain We’ve partnered with [**Rain**](https://raincards.xyz/), the infrastructure leader in fully collateralized crypto credit cards, to deliver a seamless and secure user experience. Rain provides the foundation. Spritz delivers the user-facing product. Together, we’ve created a card that brings **compliance, performance, and real usability** to stablecoin spending. If stablecoins are the future of money, this is the card built to support them. ## A new standard for crypto cards [ ](https://app.spritz.finance/card) Most crypto cards come with compromises—whether it’s required staking, long settlement times, or limited features. The Spritz Card offers something different: **A high-limit, non-custodial, real-time spending experience, directly powered by your crypto.** No hidden fees. Just premium functionality for everyday life. ## What’s next The Spritz Card launches with virtual cards first, but more features are coming soon: - 🌍 **Premium physical cards + global ATM access** – Spend anywhere Visa is accepted and withdraw cash when needed - 🌐 **International expansion** – Starting in the U.S., with early access for global users on the way - 💡 **Support for more chains and wallets** – Enabling spending from even more ecosystems and token types We’re building toward full, borderless financial freedom—for anyone living onchain. ## Ready to use your crypto like cash? The Spritz Card is now live for U.S. early access users. It delivers everything crypto users have been asking for—without compromise. ### 🎯 [**Try the Spritz Card →**](https://app.spritz.finance/card) --- # Coming June 1: Premium Spritz Card > The Spritz Card launches June 1. Spend your crypto instantly with a premium Visa card—no staking, no delays, no limits. Join early access today. _2025-05-21 · Maria Sirotkina · last updated 2025-05-22_ ## **Real crypto. Real spending. No compromises.** For too long, crypto cards have come with strings attached—staking requirements, limited access, delayed funding, or clunky UX. At Spritz, we knew there had to be a better way. So we built it. On **June 1**, we’re launching the **Spritz Card**: a premium Visa credit card designed specifically for people who live onchain and want a better way to spend their crypto. ## **Here’s a preview of what you can expect:** - ✅ \*\*Instant virtual card \*\* - ✅ **Fund directly from your wallet** with thousands of tokens - ✅ **Visa Signature benefits**—travel perks, protection, upgrades - ✅ **3D Secure** for seamless online checkout - ✅ **Apple Pay & Google Pay** support - ✅ **No transaction limits**‍ - ✅ \*\*Physical cards and global ATM access coming soon \*\* We’ve partnered with [**Rain**](https://raincards.xyz/) to bring this vision to life—combining rock-solid infrastructure with the Spritz user experience you trust. ## **Be first in line** The Spritz Card opens for **U.S. early access users** starting June 1. If you’re ready to spend your crypto with the simplicity and flexibility you’ve been waiting for, now’s the time to join the waitlist. 👉 [**Join for early access**](/spritz-card) ## **This is your card, reimagined** The future of spending is onchain. And the Spritz Card is built for that future. No staking. No platform tokens. Just real-time access to your crypto, backed by the reach and reliability of Visa. We'll be sharing more soon—including feature deep-dives, partner stories, and launch-day surprises. Until then, reserve your spot and get ready. --- # Introducing mUSD on Spritz: Spend Anywhere with the Stablecoin on Sui > We’re thrilled to announce that we’ve integrated mUSD, METASTABLE’s stablecoin on Sui, into Spritz Finance! We recently integrated the Sui Network into… _2025-02-04 · Spritz Team · last updated 2025-02-05_ ## What is mUSD? mUSD is the native stablecoin of [METASTABLE](https://mstable.io/), a project incubated by [Aftermath Finance](https://aftermath.finance/), that introduces a streamlined solution for stablecoin liquidity and utility within the Sui ecosystem. mUSD is 1:1 pegged to the US Dollar and can be minted by depositing other stablecoins, such as USDC, USDT, and more. [See the list of supported stablecoins here](https://docs.mstable.io/faq/what-backs-musd). There are no fees nor slippage for minting mUSD, and withdrawal fees are based on market conditions. You can also earn mPOINTS rewards for minting mUSD. ## What can I do with mUSD on Spritz? ### **Load a SpritzCard to spend mUSD in the real world** Connect your Sui wallet to Spritz, seamlessly create a SpritzCard and load it with mUSD, then add it to Apple Pay or Google Wallet on your phone. This gives you the flexibility to spend your mUSD at millions of locations where Visa is accepted! [Get your mUSD card now](https://app.spritz.finance/card) ### **Off-ramp your mUSD** Need dollars right now? Off-ramp your mUSD straight to your bank account or debit card in an instant with low fees and the highest limits in the crypto space. And there’s no need for a centralized exchange at all! [Off-ramp mUSD now](https://app.spritz.finance/offramp) ### **Pay your bills with mUSD** Pay 6000+ bills, from credit card to car payments, with mUSD, with no bank needed! [Pay bills with mUSD now](https://app.spritz.finance/bills) ## How do I get started with mUSD on Spritz? It’s super easy to spend your mUSD with Spritz! [Head over to our app](http://app.spritz.finance/), select the Sui Network, and connect your Sui-compatible wallet, such as [Suiet](https://suiet.app/) or [Sui Wallet](https://suiwallet.com/). Once you’ve connected, look at the Navigation bar on the left of the screen and click on your module of choice - Off-ramp, Card, or Pay Bills. Then you’re on your way to making your first payment with mUSD on Spritz! ## **A special offer for new users!** We are pumped to offer new customers a **50% discount on transaction fees** for your first 1,000 in transactions! You don’t have to do anything special to receive this bonus. Just start using mUSD on Spritz and BOOM - instant savings! Never tried Spritz? Now's the perfect time! [Try mUSD on Spritz now!](https://app.spritz.finance/) We are excited to bring one of the fastest-growing stablecoins on Sui to Spritz! We hope you enjoy using mUSD on Spritz, and stay tuned for more cryptocurrencies to be integrated soon. --- # Welcome to The Pour 🍹 - Your Newsletter For All Things Spritz > Welcome to the very first edition of our newsletter, The Pour! _2025-01-30 · Spritz Team · last updated 2025-01-31_ ## Product Updates We made some awesome product upgrades last month! ### Spritz Swaps - Trade Crypto in the Spritz App We launched [**Spritz Swaps**](https://app.spritz.finance/swap) and now you can trade tokens seamlessly in our app, giving you even more control over your crypto holdings! Spritz Swaps is compatible with every wallet and thousands of tokens across the most popular EVM chains. It’s powered by the 1inch Swap API, with optimized trade routing and execution, world-class liquidity, and hardened security. No more jumping between exchanges or wrestling with complex interfaces. With Spritz Swaps, you can swap thousands of tokens on multiple EVM chains, then instantly spend your gains in the real world! [**Swap now**](https://app.spritz.finance/swap)**!** ### Sui Integration We have integrated Sui Network into Spritz Finance! This integration brings together Spritz’s innovative payment tools with Sui's high-performance Layer-1 blockchain, offering you improved payment capabilities with tokens from one of the fastest-growing crypto ecosystems. You can now pay your bills, off-ramp to your bank or debit card, and fund a SpritzCard with the native $SUI token and $USDC on Sui network. [**Try Sui on Spritz now!**](https://app.spritz.finance/) ### Changelog: Other Product Improvements We've enhanced the KYC verification process in our app with status updates and error notifications to keep you informed at every step. We also improved the onboarding flow for the $25 new user bonus to ensure you know exactly what to do to claim your reward. We hope you like these improvements! If you have any new product features you’d like to request, [**please visit our roadmap here**](https://spritz.canny.io/)**.** ## We’re cranking up our socials - give us a follow! Hopefully you’ve seen that we’ve become much more active on social media lately. We invite you to join the party! Be sure to receive our latest updates in real time: - Follow us on [**X**](https://x.com/spritzfinance) - Follow us on [**Warpcast**](https://warpcast.com/spritz) We hope you enjoyed this first edition of _The Pour._ We appreciate your support and hope you keep bringing your crypto to life with Spritz! --- # Introducing Spritz Swaps - trade crypto in the Spritz app! > Introducing Spritz Swaps - trade crypto in the Spritz app! _2025-01-22 · Spritz Team_ ## Overview of Spritz Swaps Spritz is an all-in-one, premium platform that brings your crypto to life. You can transfer crypto to a bank account or debit card, pay bills, fund virtual credit cards, and buy crypto—all without centralized exchanges. With Spritz Swaps, you can now trade tokens seamlessly in the app, giving you even more control over your crypto holdings! ## Benefits of Spritz Swaps Key benefits of Spritz Swaps include: ✨ Instant token trades within the app ✨ Compatible with every wallet and thousands of tokens across the most popular chains ✨ Optimized trade routing and execution, world-class liquidity, and hardened security—powered by the 1inch Swap API No more jumping between exchanges or wrestling with complex interfaces. With just a few taps, you can swap thousands of tokens on 12 chains, then instantly spend your gains in the real world! [**Swap Now!**](https://app.spritz.finance/swap) ## Why should you choose Spritz? Spritz lets you put your crypto to work in the real world—no banks, bridges, or exchanges needed. From **paying bills** and **making purchases** to **sending funds** across borders, we provide seamless, low-fee solutions. Every transaction with Spritz includes: - **High limits and low fees** to maximize your funds - **Instant payment options** available both in the U.S. and globally - **Top-notch security and safety**, utilizing state-of-the-art encryption and security measures - The chance to **earn Spritz Points** Now with Spritz Swaps, you have complete control over your crypto. Ready to transform your crypto portfolio management? Jump into the app and start swapping with Spritz! [**Swap Now!**](https://app.spritz.finance/swap) --- # Sui Network is Now on Spritz! > We are excited to announce that we’ve integrated Sui Network into Spritz Finance! _2025-01-17 · Spritz Team · last updated 2025-01-22_ ## What is the Sui Network? The Sui Network is a high-performance Layer-1 blockchain designed to address scalability, speed, and cost challenges faced by many other chains. Launched in May 2023 by Mysten Labs, Sui was founded by former Facebook engineers who were involved in Facebook’s Diem / Libra project. Sui leverages the Move programming language for secure decentralized app development, parallel transaction processing for high throughput, and an object-centric model that allows digital assets to evolve over time. The Sui ecosystem has expanded rapidly, attracting various DeFi protocols, NFT marketplaces, and gaming applications. [Sui's recent growth](https://blog.sui.io/2024-in-numbers/) has been remarkable. Through the end of 2024: - Total transactions grew to 7.5 billion. - Total accounts reached 67.3 million. - [Total Value Locked (TVL) exceeded $2 billion](https://defillama.com/chain/Sui). The $SUI market cap has increased in value in lockstep, currently sitting at $13.8 billion, good for #13 among all cryptocurrencies. ## What can you do with Sui on Spritz? ### Load a SpritzCard to spend $SUI in the real world Seamlessly create a SpritzCard and load it with $SUI and $USDC on Sui. Then add it to Apple Pay or Google Wallet on your phone. This gives you the flexibility to spend your $SUI at millions of locations across the globe where Visa is accepted. [**Get your $SUI card now**](https://app.spritz.finance/card) ### Off-ramp your $SUI Need cash right now? Easily off-ramp your $SUI and $USDC on Sui to your bank account or debit card. Transfers are instant, fees are low, and limits are the highest in the crypto space, up to $150,000 per day. And the best part is there’s no need for a centralized exchange! [**Off-ramp $SUI now**](https://app.spritz.finance/offramp) ### Pay your bills with $SUI Link over 6000 bills, from utilities and rent to credit card payments, and more, to your Spritz account and pay them with $SUI and $USDC on Sui. No bank needed! [**Pay bills with $SUI now**](https://app.spritz.finance/bills) This Sui integration makes it simple to bridge the gap between your crypto holdings and real-world spending needs. ## How do I get started with Sui on Spritz? To take advantage of Sui on Spritz, [head over to our app](http://app.spritz.finance) then connect your Sui-compatible wallet, such as [Suiet](https://suiet.app/) or [Sui Wallet](https://suiwallet.com/). You can [find a list of the most popular Sui wallets here](https://www.coingecko.com/learn/top-sui-wallets). Once you’ve connected, look at the Navigation bar on the left of the screen and click on your module of choice - Off-ramp, Card, or Pay Bills. Then you’re on your way to making your first payment with $SUI on Spritz! ## A special offer for new users! We are excited to offer new customers a **50% discount on transaction fees** for your first $1,000 in transactions! No hoops to jump through—just instant savings when you start using $SUI on Spritz. Never tried Spritz? Now's the perfect time! [**Try Sui on Spritz now!**](https://app.spritz.finance/) We are excited to bring one of the fastest-growing and popular blockchains to Spritz! We hope you enjoy using Sui on Spritz. Stay tuned for more chain integrations and new product features coming soon. Thanks for your support! --- # Check Out the Refreshed Spritz App! > We're excited to unveil the newly designed Spritz app! _2024-12-19 · Spritz Team · last updated 2024-12-20_ ## What is Spritz? Spritz brings your crypto to life. Our platform makes it simple to pay bills and spend crypto in the real world. With Spritz, you can easily: - Off-ramp crypto to your debit card or bank account - Load a SpritzCard (virtual credit card) with crypto to spend in the real world - Pay bills to over 6000 merchants - Buy crypto straight from your bank account And more! Say goodbye to complex exchanges, high fees, and frustrating delays. We're putting your crypto wallet where it belongs—at the heart of your financial life. [**Try the new Spritz**](https://app.spritz.finance/) ## The Rebranded App Our refreshed brand celebrates the values of **freedom, connection,** and **performance**—everything we want you to achieve with your crypto\*\*.\*\* Let's explore the major updates to our key screens and the thinking behind them. ### Dashboard As the heart of Spritz, we've crafted our dashboard to be clean and intuitive. You'll find your most active accounts and recent activity front and center. We've used color minimally and purposefully to highlight what matters most. [**Try the new Spritz**](https://app.spritz.finance/) ### SpritzCard Check out our beautiful SpritzCard! Loading it with funds is as simple as tapping the prominent white button. ### Pay Bills New to Spritz Bill Pay? Adding your bills is straightforward with the buttons at the top of the page. Your bills stay neatly organized, and setting up recurring payments is a breeze. ### **⭐ A Special Rebrand Offer! ⭐** To celebrate our new look, we're giving **all new users 50% off fees** on their first $1,000 in transactions. No hoops to jump through—just instant savings when you start using Spritz. Never tried Spritz? Now's the perfect time! [**Try the new Spritz**](https://app.spritz.finance/) Rest assured, we’ll continue to make improvements to the app with new features, designs, and chain integrations to make your experience even more seamless and enjoyable. The best is yet to come—so stay tuned! --- # Spritz Rebrand 2024 > Introducing the New Spritz: A Fresh Look for the Future _2024-11-18 · Chris Sheehan_ The past couple of years have been an incredible journey for crypto—from the highs of 2022 to the challenges of 2023, and now, a surge of new opportunities. Bitcoin has hit $90,000, stablecoins have found their foothold, and millions of new users have joined the crypto movement. As highlighted in the recent [State of Crypto Report 2024 by a16z](https://a16zcrypto.com/posts/article/state-of-crypto-report-2024/?utm_source=substack%5C&utm_medium=newsletter%5C&utm_campaign=10_19_24#section--2), crypto is on the verge of going mainstream for payments, and Spritz is here to lead the charge. **Spritz is evolving our brand to capture the energy of this moment.** It reflects our belief that crypto belongs in every part of your life—effortlessly. Our new logo and updated look symbolize confidence, freedom, and the future we envision for our users. Whether you're using crypto to pay bills, invest, or simply live your life, we're here to make it all easy. ## **The Problem We Solve** Crypto is powerful—it's an investment, a way to transfer value, and a foundation for building wealth. Yet, using digital assets in everyday life can feel like there's a wall between crypto and the real world. Too often, we’re stuck relying on centralized exchanges, banks, and middlemen—facing delays, high fees, and unnecessary risks—just to access our funds. Crypto is meant to be borderless and frictionless, but outside the ecosystem, it often isn't. ## **How Spritz Changes Everything** At Spritz, our mission is clear: make your digital assets usable in real life. We see a world where your crypto wallet, not your bank, is the center of your financial life—enabling you to invest, save, earn, and spend seamlessly, without the need for traditional financial intermediaries. Crypto shouldn't just be speculative; it should be a seamless part of your day-to-day, just like your savings account or your debit card. ## **What Spritz Brings to You: Crypto Made Simple** Spritz connects your wallet—on any blockchain—unlocking countless ways to use your crypto. Whether it’s paying bills, buying groceries, or sending large transfers, we make your crypto ready for real-world spending. This is possible thanks to our strategic partnerships with traditional fintech players and our onchain technology, ensuring smooth, secure, and fast transactions. With Spritz, we bridge the gap between digital assets and everyday use, so you can make the most of your crypto without the headaches of traditional banking. ## **How Our New Design Reflects Our Brand Values** Our new brand design embodies the values of **freedom**, **connection**, and **performance**. The simplified logo represents fluidity and ease of use, capturing our mission to make finance borderless and accessible. The vibrant color palette, blending energy with warmth, aims to evoke the excitement of crypto while staying inviting and approachable. Every design choice, from typography to the app’s user interface, has been made to ensure a seamless, intuitive experience—one that feels modern yet comfortable, empowering users to integrate crypto effortlessly into their daily lives. ## **Our Vision for the Future** We believe crypto should be woven into every aspect of your financial life—from long-term investments and savings to everyday spending and life’s big goals. Imagine using crypto to buy a home, furnish it, cover daily expenses, and invest in your future. At Spritz, we’re building the tools to make that vision real and accessible. ## ⭐ **A Special Launch Celebration!** ⭐ To celebrate our rebrand, we’re offering **all new users 50% off fees** on their first $1,000 of transactions. This launch offer reflects our core values: empowering users to use their digital assets confidently, making crypto accessible, and celebrating our journey together. We designed this promotion to make getting started with Spritz simple and rewarding—no complicated hoops, no long waits. Earn your discount instantly and start making the most of your crypto today. [Learn more about the terms here](https://help.spritz.finance/en/articles/10119628-new-user-promo-terms-and-conditions). ## **Looking Ahead** The future is bright, and we can't wait to grow with you. With our new look and dedication to making crypto a seamless part of your life, we’re just getting started. Our journey continues as we expand our services, enhance the user experience, and nurture a thriving community of Spritzers. Together, we're heading towards a future where crypto is mainstream, empowering us all to live more freely, confidently, and connected. --- # Spritz’s New Dune Dashboard: Transparency in Crypto Payments > Discover how Spritz is driving transparency in crypto payments with our new Dune Dashboard, showcasing real-time transaction data across multiple networks.… _2024-11-14 · Chris Sheehan · last updated 2024-12-11_ ## **A New Way to View Spritz: The Dune Dashboard** With over **$116 million** in transaction volume across 12+ networks and 30+ countries, we’re setting the stage for a new era of crypto utility. Our new [Dune Dashboard](https://dune.com/spritz/spritz-dashboard) brings key metrics to the forefront, allowing you to explore: • **Daily transaction volumes** across all chains • **Network-specific breakdowns** to view activity by chain • **Life-to-date total volume** insights, providing a holistic view of our transaction journey We believe that by making these data points available, we can foster trust and transparency with both our users and the broader Web3 community. ## **Why Dune?** At Spritz, transparency, community engagement, and data-driven insights are at the core of what we do. That’s why we chose to partner with [Dune](https://dune.com/)—an open, on-chain analytics platform that allows crypto projects to share real-time data with their communities. With Dune, anyone can track and analyze blockchain data, helping to drive insights that fuel innovation and trust. ## ‍ **What is Dune?** [Dune](https://dune.com/) is a collaborative analytics platform that enables users to query and visualize blockchain data from public chains. By using Dune’s SQL-based interface, teams like ours can create custom dashboards and share valuable insights with the community. Whether it’s tracking transaction volume or analyzing token flows, Dune brings transparency to the blockchain space. ### **Other Projects Using Dune** Dune has become the go-to platform for blockchain analytics, and many top projects use it to provide transparency to their communities. Some of the notable dashboards on Dune include: • [**Uniswap**](https://dune.com/uniswaplabs): Tracking decentralized exchange activity. • [**dYdX**](https://dune.com/dydx-foundation): Providing insights into derivatives and perpetual contracts. By joining this list of notable projects on Dune, Spritz reinforces its commitment to transparency, ensuring that users can track and trust their transactions across multiple chains. ### **Spritz in Action: Real-World Utility Across Chains** Spritz lets you put your crypto to work in the real world—no banks, bridges, or exchanges needed. From **paying bills** and **making purchases** to **sending funds** across borders, we’re dedicated to providing seamless, low-fee solutions. And with support for high-performance, low-gas networks like **Base** and **Solana**, you get the flexibility to manage your finances in ways that suit your lifestyle. Every transaction with Spritz also comes with benefits: • **High limits and low fees** to maximize your funds • **Instant payment options** available both in the U.S. and globally • The chance to **earn Spritz Points** on every transaction With features like on-ramp and off-ramp services, a crypto card, and bill pay, Spritz is your one-stop solution for crypto payments, powered by innovation and a dedication to user experience. ## **A Note on the Data** Our Dune Dashboard covers a significant portion of Spritz’s on-chain volume, but it’s not exhaustive. **Some networks**, like DASH, and certain **global onramp transactions** aren’t yet reflected. As we grow, we’ll continue to update our dashboard to provide an even more complete view of Spritz in action. We’d love to hear from you! [Explore our Dune Dashboard](https://dune.com/spritz/spritz-dashboard), and let us know what metrics you’d like to see added. And if you’re a Dune expert interested in collaborating, we’d love to chat—let’s build the future of crypto payments together. --- # Free Buys & Sells on Solana For a Limited Time! > Shop and pay bills using Solana on Spritz Finance! Take advantage of the unlimited on-ramp in the US, the highest day 1 off-ramp limits in crypto, and support… _2024-05-21 · Chris Sheehan · last updated 2024-12-11_ Spritz Finance is thrilled to announce the integration of the Solana network, bringing enhanced functionality and new opportunities to our users. With Solana's high-speed transactions and low fees, Spritz users can now seamlessly pay bills, on-ramp, and off-ramp with Solana tokens. This integration marks a significant milestone for Spritz, expanding our support beyond Ethereum, Polygon, BNB Chain, and othersto include one of the fastest-growing blockchains in the crypto space. Solana's vibrant ecosystem has seen a surge in activity, particularly with the recent explosion of meme coins like Bonk and Dogwifhat. For our users, this means even more flexibility and utility for their Solana holdings. Whether you're looking to pay your mortgage, manage your streaming subscriptions, or simply enjoy the convenience of on-chain payments, Spritz makes it effortless. To celebrate this launch, we're offering exclusive promotions for Solana users. All users enjoy FREE transaction fees on their first $5k in volume (or first Solana transaction for the GBP/Euro on & off ramp up to $5k) until June 21st, and all Solana transactions will earn 5x $SPRITZPOINTZ, our unique rewards system that gives back to our community. ## Key Takeaways - **Spritz Finance now supports Solana**, enabling users to pay bills, on-ramp, and off-ramp using Solana tokens. - [**Exclusive offers for Solana transactions**](/campaign/buy-sell-solana?utm_source=Blog&utm_medium=hyperlink&utm_id=SolanaLaunch2024) include no transaction fees/fee rebates for the 5x $SPRITZPOINTZ on transactions for all users. - **We've integrated with major wallets** **like Phantom and SolFlare** to make sure you have the best experience on-ramping and off-ramping to your bank account using your favorite wallet. [**Get Started ->**](/campaign/buy-sell-solana?utm_source=Blog&utm_medium=button&utm_id=SolanaLaunch2024) ## Understanding Solana and Its Ecosystem ### What is Solana? Solana is a high-performance blockchain platform known for its speed and low transaction costs. It can process thousands of transactions per second, making it one of the fastest blockchain networks available. Solana's architecture is designed to scale without compromising security, ensuring reliability for various decentralized applications (dApps) and crypto projects. As a result, it has gained significant traction in the crypto market, positioning itself as a formidable competitor among other blockchains like Ethereum and BNB Chain. [Learn more about Solana](https://solana.com/). ### Benefits of Using Solana for Transactions Solana offers several advantages for transactions, making it a popular choice among crypto traders and developers. Firstly, its high throughput allows for quick processing times, with block times averaging around 400 milliseconds. This speed ensures that transactions are confirmed almost instantly, which is crucial for both everyday use and high-frequency trading. Secondly, Solana boasts extremely low transaction fees, often less than a fraction of a cent, making it cost-effective for users. Lastly, the Solana ecosystem is rapidly growing, with numerous dApps, decentralized finance (DeFi) projects, and NFTs being built on its platform. This growth is supported by active developer communities and Dapps like [Raydium](https://raydium.io/) and [Phantom Wallet](https://phantom.app/). ### How Spritz Finance Brings Solana to Everyday Life Spritz Finance seamlessly integrates Solana into everyday financial activities, making it easier for users to manage their crypto assets. With Spritz, users can pay bills directly using Solana, leveraging its speed and low costs for efficient transactions. Spritz also supports off-ramping, allowing users to convert Solana into fiat currencies and transfer them to their bank accounts quickly. This is particularly useful for those looking to liquidate their crypto assets without incurring high fees or delays. [Learn more about off-ramping](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). Special promotions such as the SpritzCard enhance user experience by offering rewards and discounts when using Solana for transactions. The SpritzCard can be used for various purchases, bringing the benefits of crypto into everyday life. Additionally, Spritz Finance supports thousands of Solana tokens, providing users with diverse options for their financial needs. [Explore supported tokens](https://help.spritz.finance/en/articles/9147211-tokens-blockchains) and take advantage of the seamless integration offered by Spritz Finance to optimize your Solana transactions. ## Advanced Features of Using Spritz with Solana ### Farming Airdrops and Earning Rewards on Solana Farming airdrops on the Solana blockchain can be a lucrative way to earn rewards. By participating in various Solana DeFi protocols, you can farm tokens that are distributed through airdrops. Platforms like Raydium and Jupiter are popular for these activities. Once you receive your airdropped tokens, Spritz allows you to easily convert them into fiat currency. You can off-ramp these tokens directly to your bank account or load them onto your Visa SpritzCard for seamless spending. For a comprehensive guide on off-ramping your crypto, check out Spritz’s [help page](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). ### Off-Ramping Solana Crypto to Bank Accounts Off-ramping your Solana tokens to fiat currency using Spritz is a straightforward process. With Spritz, you can connect your bank account and transfer your Solana tokens, enjoying the highest day 1 off-ramp limits in the crypto space. To get started, open the Spritz app and navigate to the "Off-Ramp" section. From there, select your bank account and initiate the transfer. The process typically takes just a few minutes. Check out the [Spritz Help Center](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz) for more details. Using Spritz not only ensures a smooth transaction but also adds an extra layer of security to your financial operations as Spritz uses military-grade AES-256 encryption. Your funds are transferred safely, and you can enjoy peace of mind knowing your assets are in good hands. ## FAQs ### How do I start with Solana on Spritz? To start with Solana on Spritz, you need to connect your Solana wallet, such as [Phantom](https://phantom.app/) or [Solflare](https://solflare.com/). Navigate to the "Accounts" tab, choose "Add Account," and select Solana. Follow the prompts to connect your wallet and start managing your Solana funds with Spritz. For detailed instructions, visit [Spritz's guide on how to use Solana](https://help.spritz.finance/en/articles/9147211-tokens-blockchains). ### Can I use Solana for all features on Spritz? Currently, Solana can be used for all tools on Spritz. Stay updated by checking our [Supported Countries and Payment Methods page](https://help.spritz.finance/en/articles/6158352-supported-countries-payment-methods). ### How does the SpritzCard work with Solana for daily expenses? The SpritzCard allows you to convert your Solana into fiat for everyday spending. You can load your SpritzCard using Solana and spend it anywhere Visa is accepted. This seamless integration makes managing your crypto and daily expenses effortless. For more information on the SpritzCard, visit [Spritz's off-ramp guide](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). ## Solana x Spritz: Taking Your Crypto Journey to New Heights Using Spritz to manage your Solana investments enhances your financial journey by offering seamless on-and-off ramps, comprehensive support, and the ability to integrate Solana into everyday expenses effortlessly. With features like the SpritzCard, users can convert their Solana to fiat and spend it anywhere, making crypto truly accessible. Additionally, Spritz's integration with major wallets like Phantom and Solflare ensures a smooth and secure user experience. Spritz stands out with its high daily off-ramp limits and support for various currencies, including USD, GBP, and Euros. Our commitment to expanding support for Solana and other blockchain ecosystems ensures that users can leverage the full potential of their crypto assets. Don't miss out on [limited-time fee-free transactions](/campaign/buy-sell-solana?utm_source=Blog&utm_medium=hyperlink&utm_id=SolanaLaunch2024) and 5x $SPRITZPOINTZ! Sign up for Spritz today to take advantage of our comprehensive Solana support and elevate your crypto finance management. Start your journey with Spritz now and experience the seamless integration of traditional finance and web3 innovation. --- # Earn 5x Spritz Points with Base Memecoins! > Learn how you can earn 5x Spritz Points when off-ramping, paying a bill, or loading the Visa SpritzCard with the Base memecoins Roost, Brett, Degen, Toshi,… _2024-04-30 · Chris Sheehan_ ## Get to Know Spritz Finance ### Key Advantages of Spritz Finance Spritz Finance offers a on-ramp ([with the highest day 1 limits in crypto](https://help.spritz.finance/en/articles/8098526-does-spritz-have-transaction-limits)) and a variety of ways to off-ramp your crypto without a centralized exchange. Spritz supports the conversion of thousands of cryptocurrencies directly from a crypto wallet to cash in a bank account for users in the US and Canada (and select stablecoins for [29 additional countries](https://help.spritz.finance/en/articles/6158352-supported-countries-payment-methods)), with the additional functionality for US residents to pay bills using those same tokens. In additional, users across 30 countries can enjoy the convenience of topping up their Visa SpritzCard with a diverse range of tokens from over 9 networks—all directly from their crypto wallet. This functionality ensures that regardless of where you are or what crypto you hold, Spritz provides a streamlined solution for managing your assets. Discover more about our global support [here](https://help.spritz.finance/en/articles/6158352-supported-countries-payment-methods). ### Advantages of Using Spritz for Off-Ramping Memecoins Utilizing Spritz for off-ramping meme coins offers significant advantages, notably in time and cost savings. Instead of transferring to a centralized exchange, users can directly transfer their assets from their wallets to their bank accounts, pay bills, or load their SpritzCards, circumventing additional gas fees and complications. Plus, between now and May 12th, 2024, every transaction with the select [Base](https://help.spritz.finance/en/articles/6158352-supported-countries-payment-methods) memecoins below earns users 500 Spritz Points—five times the usual amount. These points are set to become even more valuable, as we plan to introduce new ways to redeem them shortly. [**Start Earning!**](https://app.spritz.finance/signup?utm_source=blog&utm_medium=CTA&utm_campaign=Base+Memecoins+2024&utm_id=basememe2024) ## Limited Time: Earn 5x Points with Base Memecoins ### What You Need to Know At Spritz, we are always looking for innovative ways to enhance your financial flexibility and reward you for embracing web3 technologies. Between now and May 12th, 2024, we're excited to give every “Sprite” a chance to get even more Spritz Points before we announce ways to start redeeming them! By leveraging selected meme coins, you can now earn 5x Spritz Points in several impactful ways: 1. **Off-ramping these memecoins** [**directly to your bank account**](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz): Enjoy enhanced points when you convert your digital assets to fiat, ensuring a seamless transaction experience. 2. [**Paying a bill**](https://help.spritz.finance/en/articles/6617745-how-to-pay-a-bill-with-crypto): Use your meme coins to handle your financial obligations and earn rewards simultaneously. 3. [**Loading the SpritzCard**](https://help.spritz.finance/en/articles/6981240-how-does-the-spritz-card-work): Our SpritzCard, supported in [30 countries](https://help.spritz.finance/en/articles/9147211-tokens-blockchains), can be loaded with meme coins, turning everyday spending into a rewarding experience. ### Eligible Memecoins - [**DOGINME**](https://dogin.meme/): $doginme is a memecoin that represents the [Farcaster](https://warpcast.com/spritz?utm_campaign=Base+Memecoins+Announcement&utm_content=Base+Memecoins+Announcement&utm_medium=email_action&utm_source=customer.io) founder's dog. He actually doesn't have a dog...but he's "got that dog in me.” - [**BRETT**](https://www.basedbrett.com/):  Based on the Matt Furie comic, this “based” friend of Pepe has a massive, loyal following that's recently seen some ups and downs, but is still going strong. - [**DEGEN**](https://www.degen.tips/): Okay fine...maybe not _officially_ a memecoin, but through some technicalities (and a few mai tai's) we decided to include this content tipping coin. - [**TOSHI**](https://www.toshithecat.com/): The feline "Face of Base" is modeled after Coinbase Co-Founder Brian Armstrong's cat...but unlike Coinbase, Spritz supports $TOSHI. - [**ROOST**](https://roost.wtf/): This “Champion of Base” is no chicken (sorry, couldn't help ourselves), and the flock of followers behind $ROOST is a force to be reckoned with. ### **Everyday Uses of the SpritzCard** The SpritzCard revolutionizes how meme coin holders can use their favorite token. The SpritzCard allows you to load it with a variety of [tokens across 9 networks](https://help.spritz.finance/en/articles/9147211-tokens-blockchains), including popular meme coins. Whether you're shopping online, paying bills, or even enjoying a night out, the SpritzCard facilitates direct crypto payments. By integrating crypto payments into daily life, SpritzCard users enjoy a seamless transition from digital to real-world spending without the hassle of traditional banking systems. For more information on where and how you can use your SpritzCard, check out the [Spritz Help Center](https://help.spritz.finance/en/articles/6981207-where-can-i-use-my-spritzcard). ### SpritzCard Success Many users have leveraged the SpritzCard to bring their favorite cryptocurrienies to online and physical stores (using [Apple or Google Pay](https://help.spritz.finance/en/articles/8289243-how-to-add-your-spritzcard-to-apple-pay-or-google-wallet)) even if that store doesn’t normally accept crypto! Imagine paying for gas or groceries entirely with Roost or Brett. Who said that memecoins aren’t useful? ## **FAQs** **How can I start using my SpritzCard with meme coins?** To use your SpritzCard with meme coins, first ensure your card is loaded with your preferred meme coin. The card can be used at many merchants worldwide, with some exceptions, making it extremely versatile for everyday purchases. **What are the benefits of using meme coins with Spritz during the promotional period?** During promotional periods, using your SpritzCard with selected meme coins can earn you multiple rewards, such as enhanced Spritz Points, which are part of exclusive offers. This can significantly increase the value gained from transactions during the promotional window. **Are there any limitations to where I can use my SpritzCard?** While the SpritzCard is widely accepted at merchants that support Visa, some restrictions apply such as ATMs and merchants requiring specific card verifications like 3DS in Europe, which are not supported by SpritzCard. **Can I use my SpritzCard for online purchases?** Yes, the SpritzCard can be used for online purchases. It functions like any other Visa card but is powered by your cryptocurrency balance, offering a smooth and secure way to shop online. For more FAQs and detailed guides on using your SpritzCard with meme coins, visit the [Spritz Help Center](https://help.spritz.finance/en/articles/6981207-where-can-i-use-my-spritzcard). --- # Understanding Crypto Bull Runs: A Guide > Learn how to navigate the ups and downs of crypto bull runs and discover how Spritz Finance can enhance your crypto strategy during these high-growth periods.… _2024-04-22 · Chris Sheehan_ ## **What is a Crypto Bull Run?** A **crypto bull run** refers to a significant rise in the value of cryptocurrencies across the market, characterized by sustained upward trends and optimistic investor sentiment. During such periods, the prices of digital currencies, from well-known ones like Bitcoin to various altcoins, surge dramatically over a short time. ### **General Characteristics of Bull Markets in Crypto** Crypto bull markets are marked by high trading volumes and the influx of new investors attracted by rising prices and the prospect of substantial returns. These periods often coincide with positive developments in the industry, such as technological advancements, regulatory clarity, or institutional adoption, fueling further investor confidence and speculative trading. ### **Importance of Timing in Cryptocurrency Investments** Timing is crucial in leveraging the benefits of a crypto bull run. Entering the market just as a bull run starts can maximize returns, but this requires precise market analysis and a bit of luck. On the other hand, knowing when to exit is equally important as these markets are highly volatile and can shift to a bear trend quickly, where prices drop extensively. For more insights into effectively managing crypto investments during bull runs, Spritz offers a set of easy-to-use tools for navigating in and out of crypto during these high-growth periods, ensuring that both seasoned investors and newcomers can execute their strategies. [Discover more about lowering the costs of executing your strategy, by lowering your gas fees](/blog/lower-gas-fees). ### How Spritz Finance Supports Users During a Bull Run During a crypto bull run, when market optimism sends cryptocurrency values soaring, Spritz Finance offers robust solutions for both seasoned traders and casual investors. Utilizing Spritz's seamless crypto-to-fiat conversion feature, users can off-ramp their crypto holdings directly into their bank accounts with ease. This feature is particularly useful for those looking to lock in gains or manage risk without missing out on potential profits. Detailed steps on how to off-ramp your crypto can be found here [How to off-ramp crypto to your bank account using Spritz](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). For high-volume traders, Spritz provides an unlimited capacity to purchase crypto, which is crucial during market highs when acquiring digital assets swiftly can lead to significant returns. The process is streamlined to ensure that users can react quickly to market changes and opportunities. Real-world user experiences on platforms like Trustpilot highlight how Spritz has enabled them to on and off-ramp efficiently during volatile periods. Read some of those user experiences here [Trustpilot reviews on Spritz](https://www.trustpilot.com/review/spritz.finance). ## Key Strategies for Capitalizing on Crypto Bull Runs ### Day Trading Crypto During a Bull Run Day trading during a crypto bull run can be exhilarating and profitable with the right strategies. Rapid market movements require tools that can keep up. Spritz’s platform is particularly suited for this environment due to its real-time transaction capabilities. When trading, one must be vigilant about market trends, making quick decisions to buy low and sell high, and effectively managing risk to avoid significant losses. Spritz supports these needs by providing a responsive service that integrates seamlessly with various crypto wallets and blockchains, enabling fast and effective trading decisions. For example, Spritz’s low-latency payment solutions mean you can swiftly move funds in response to market changes, essential for capitalizing on short-term price movements during a bull run. Moreover, by utilizing Spritz’s features, traders can pay bills or convert crypto to fiat almost instantaneously, ensuring liquidity is never a barrier in fast-paced trading scenarios ([Pay bills with crypto - Spritz Finance](/blog/how-to-pay-with-crypto-guide)). Additionally, focusing on key technical indicators and setting strict stop-loss orders can enhance trading efficacy, which is facilitated by the intuitive interface of Spritz that supports quick action and monitoring. Utilizing these strategies within Spritz’s framework can significantly bolster your trading performance during crypto bull runs. ### Identifying the Next Crypto to Hit $1, Moon, or 30x Scouting the next big cryptocurrency requires understanding market trends, developer activity, and community engagement. Factors like technological innovations, partnership announcements, and market sentiment play critical roles. Within Spritz’s ecosystem, you can leverage tools that facilitate high-limit and quick buying and selling, which is crucial when trying to capitalize on newly emerging cryptocurrencies (like memecoins on [Solana](https://solana.com/) or [Base](https://www.base.org/)) that could potentially reach the $1 mark or otherwise "moon" in price. Spritz’s platform supports fast transactions, allowing users to swiftly react to market opportunities by purchasing or offloading crypto. This is incredibly useful when you identify a potential breakout cryptocurrency. By keeping an eye on crypto forums and news sites, you can stay ahead of trends and use Spritz to execute transactions rapidly before the market adjusts ([Off-ramp centralized exchange - Spritz Finance](/blog/off-ramp-centralized-exchange)). Moreover, analyzing the historical performance of similar cryptos and their market responses to various stimuli can provide insights, helping you make informed decisions quickly through Spritz. Always consider the liquidity of the asset and check if the project has solid fundamentals to support a price surge. ## **Avoiding the Pitfalls of Crypto Bubbles** ### **Understanding the Crypto Bubble Dynamics** Crypto bubbles form when excessive speculation drives asset prices far beyond their intrinsic value, often fueled by a mix of new technology enthusiasm and market greed. Historical instances like the "tulip mania" of the 1600s showcase how a new, coveted commodity (in this case, tulips) can create a speculative frenzy, leading to dramatically inflated prices followed by a catastrophic market crash when confidence evaporates. Another example is the dot-com bubble of the late 1990s and early 2000s, where the introduction of the internet led to a rush on tech stocks. Companies with minimal profits and vague business models reached absurd valuations based solely on potential future profits, which eventually led to a severe market correction. These historical examples reflect a common pattern where initial legitimate excitement about new technologies or discoveries devolves into irrational exuberance, disconnected from reality. ### **Why Cryptos Crash and How to Prepare** Cryptocurrencies often crash due to a combination of factors including regulatory changes, technological failures, market manipulation, or broader economic downturns. These crashes can be precipitated by the realization that the prices are not supported by fundamental value, leading to rapid sell-offs. During these downturns, platforms like Spritz provide strategic advantages. Utilizing Spritz's on-ramps ([US On-Ramp](https://help.spritz.finance/en/articles/8516248-how-to-use-the-spritz-us-on-ramp), [Euro/GBP On-Ramp](https://help.spritz.finance/en/articles/8835086-how-to-use-the-euro-gbp-on-ramp)), investors can swiftly move funds into cryptocurrencies at lower prices, potentially setting up for gains when the market recovers. Conversely, when the market is favorable, Spritz’s off-ramping solutions ([Off-Ramping to Bank](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz)) enable users to convert their crypto holdings into fiat, securing profits and reducing exposure to future volatility. ## Spritz Finance Features for Crypto Investors ### SpritzCard: Spending Crypto in Real Life Spritz has innovated a digital-first solution for real-world spending with the introduction of the SpritzCard, a prepaid debit card that converts cryptocurrency to fiat, facilitating payments anywhere Visa is accepted. This functionality significantly simplifies the spending process for crypto holders, especially during a bull run when quick and flexible access to funds is crucial. Users can instantly load the card with a variety of cryptocurrencies via the Spritz Finance web app, making it ready for immediate use without the need for merchants to directly accept crypto. More details on this can be found [here](/blog/spritz-card-announcement). ### Using Spritz’s Off-Ramp Features to Secure Gains The flexibility to convert crypto to fiat and withdraw it to a bank account securely is another critical feature offered by Spritz, especially useful during and after a bull run. The Spritz platform supports multiple currencies and networks, allowing users to efficiently manage and secure their gains. The process is streamlined by the ability to use the Address Book feature for direct transfers, which allows users to off-ramp certain stablecoins without connecting their wallet to Spritz. Spritz supports a variety of major cryptocurrencies, providing broad flexibility for users looking to off-ramp their investments. You can read more about the supported currencies and networks [here](https://help.spritz.finance/en/articles/9147211-tokens-blockchains). ## **FAQ: Everything You Need to Know About Crypto Bull Runs and Spritz Finance** ### Can you day trade crypto? Spritz Finance integrates seamlessly with the top crypto wallets, providing users with a platform to on and off-ramp from crypto. During a crypto bull run, where timing and speed are crucial, Spritz's robust infrastructure supports swift transactions essential for effective day trading strategies. Utilizing Spritz for day trading allows users to capitalize on quick market movements without the delays commonly associated with traditional banking systems. ### How does Spritz help in managing crypto investments during market fluctuations? During the unpredictable waves of crypto market fluctuations, Spritz offers a dynamic solution for managing investments. Spritz's feature to pay bills with crypto directly through their platform allows investors to maintain liquidity without needing to convert their assets into fiat, preventing potential losses from untimely market exits. This functionality not only provides convenience but also enables users to stick to their investment strategies during volatile periods. More details on managing payments through Spritz can be found elsewhere in the Spritz [official blog](/blog/off-ramp-centralized-exchange). ## **Why Choose Spritz Finance During a Crypto Bull Run?** ### Recap of Spritz advantages in fast-moving markets Spritz Finance shines particularly during crypto bull runs by offering a suite of tools that support rapid and strategic investment decisions on-chain, and taking profits off chain. With features like instant crypto-to-card loads and the ability to pay bills or off-ramp directly to a bank account, Spritz ensures that its users can take full advantage of market highs without the usual friction points. ### Final thoughts on smart crypto investment strategies Choosing Spritz during a bull run means opting for a platform that offers flexibility, speed, and a comprehensive set of tools designed to get you on and off chain so you can access more assets on-chain through decentralized exchanges or DEXs like [Uniswap](https://spritz.webflow.io/blog/understanding-crypto-bull-runs#), [Aerodrome](https://aerodrome.finance/), and [Orca](https://www.orca.so/) or Aggregators like [Jupiter](https://jup.ag/). Whether it’s locking in profits, reducing exposure to sudden market downturns, or simply managing daily expenses via crypto, Spritz provides an all-encompassing solution that aligns with savvy investment strategies. For those looking to maximize their gains during such periods, Spritz’s innovative financial solutions make it an indispensable tool in the arsenal of any crypto investor. --- # How to Convert BNB to USD > Convert BNB to USD with Spritz Finance without a centralized exchange. Learn how the platform supports BNB Chain and others for easy off-ramping directly to… _2024-04-15 · Chris Sheehan_ ## Key Takeaways - **Simplified Conversion**: Spritz Finance streamlines the process of converting BNB to USD. By bypassing centralized exchanges, it offers a direct path from crypto to cash in your bank account. - **Direct Bank Transfers**: Utilize the Spritz platform to transfer tokens directly from BNB Chain to your bank, enhancing the ease of access to your funds. - **Multi-Blockchain Support**: In addition to BNB Chain, Spritz supports a [variety of other blockchains](https://help.spritz.finance/en/articles/9147211-tokens-blockchains), ensuring that you can manage assets across multiple ecosystems with ease. ## **How to Convert BNB to USD Using Spritz Finance** ### Step-by-Step Guide to Using the Spritz Off-Ramp Converting your BNB to USD through Spritz Finance's off-ramp feature is straightforward and bypasses the complexities typically associated with centralized exchanges. Here's how you can seamlessly convert your cryptocurrency directly to your bank account. ### **Accessing the Spritz App and Navigating to the Off-Ramp Section** First, open the Spritz app by going to [Spritz Finance](/) website and opening up the Spritz app. Navigate to the off-ramp section where you can initiate the conversion process from BNB to USD. This section is designed to be user-friendly, guiding you through each step with ease. For detailed instructions on this initial step, visit [Spritz Finance Help Center](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). ### **Connecting a Bank Account and Selecting the Crypto to Convert** To proceed, connect your bank account to the Spritz platform. This is done through a secure process where you'll need to provide your banking details and verify your account. Once your bank account is connected, select BNB as the cryptocurrency you wish to convert. The platform supports a variety of banks and currencies, ensuring a wide reach. For a detailed guide on adding and verifying your bank account, and selecting the cryptocurrency for conversion, refer to the comprehensive steps provided here: [Connecting Bank Account on Spritz](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). ## Benefits of Using Spritz for Crypto Conversions When looking to convert BNB to USD, Spritz Finance offers a seamless and cost-effective solution that eliminates the need for multiple transaction fees and utilizes direct bank deposits, streamlining the off-ramping process from cryptocurrencies like BNB, ETH, USDC, and many more to USD. ### Eliminate Transfer Fees One of the standout features of Spritz is the ability to bypass multiple transactional fees simply by not needing a transfer from a crypto wallet to an exchange. By using Spritz's off-ramp feature, users can directly transfer their crypto into USD and send it to their bank accounts without the need for intermediary exchanges. This not only simplifies the process but also saves on costs that would otherwise accumulate with each transaction step. You can read more about the off-ramping process directly on [Spritz's Off-ramping Guide](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer). ### Direct Deposits to Your Bank Spritz enables direct deposits of USD into your bank accounts once you convert your crypto. This feature ensures that the funds are available more quickly compared to traditional crypto-to-fiat conversions that require going through a centralized exchange. This efficiency is crucial for both rapid access to funds and reduced handling times, making Spritz a robust platform for managing financial transfers from crypto to traditional bank accounts. ### Supported Networks and Currencies Spritz supports a wide array of networks and currencies, making it a versatile platform for various crypto holders. Supported blockchains include Ethereum, BNB Chain, [Polygon](https://polygon.technology/), and others, with support for major tokens like ETH, BNB, USDC, and many more, providing users with a broad spectrum of options for off-ramping to USD. This extensive support ensures that you can manage and off-ramp your assets without worrying about compatibility issues. For a detailed list of supported tokens and blockchains, check out the [Spritz Help Center](https://help.spritz.finance/en/articles/9147211-tokens-blockchains). ### Swaps to Fiat Are Handled For you Using Spritz for your crypto conversions not only reduces fees and simplifies transactions but also aligns with the increasing demand for integrating digital currency operations with traditional financial systems. This synergy is part of what makes Spritz a forward-thinking choice for crypto users. Incorporating these features, Spritz not only caters to the immediate financial needs of its users but also aligns with broader financial management strategies, ensuring users can easily convert and manage their cryptocurrencies in a fast, secure, and efficient manner. ## **Enhancing Your Financial Flexibility with SpritzCard** ### Using the SpritzCard for Daily Transactions The SpritzCard redefines financial flexibility by seamlessly converting cryptocurrency into fiat currency for everyday use. By loading BNB or other supported cryptocurrencies onto your SpritzCard, you can effortlessly transition from crypto holdings to a spendable balance for daily purchases—be it coffee, groceries, or online shopping. The process is straightforward: log into the Spritz app, navigate to the "SpritzCard" tab, and follow the prompts to load your chosen cryptocurrency onto the card. Once confirmed, your funds are ready for use at any of the over 44 million locations worldwide that accept Visa, simplifying your financial routine without the need for traditional banking systems ([Learn how to use your SpritzCard](https://help.spritz.finance/en/articles/8218755-how-to-load-your-spritzcard)). This integration of crypto into daily transactions not only offers convenience but also extends the utility of your digital assets beyond traditional investment scenarios. Users can pay for a variety of services and goods directly with their SpritzCard, bypassing the need to first convert crypto into cash through external exchanges. The card itself operates just like any other Visa debit card once loaded, making it a practical tool for both online and in-person purchases, ensuring security and wide acceptance ([SpritzCard operational details](https://help.spritz.finance/en/articles/6981240-how-does-the-spritz-card-work)). ## Advanced Features and Security Measures of Spritz Finance ### Security Protocols and Compliance at Spritz Finance Spritz Finance takes its users' security seriously, employing advanced measures and ensuring regulatory compliance to safeguard personal and transactional data. Recent updates have strengthened their security protocols significantly. Following a vulnerability in their smart contract, Spritz adopted a multi-faceted approach to security, including the use of static code analysis tools and the OpenZeppelin defender for continuous monitoring of contracts. Additionally, Spritz complies with the required legal frameworks to protect user data and transactions. Their practices include KYC (Know Your Customer) procedures and adherence to local and international financial laws, ensuring a secure and compliant environment for handling crypto transactions. For further details on their commitment to security and compliance, [visit the Spritz Help Center](https://help.spritz.finance/en/collections/5871191-taxes-regulations-privacy-security). ### Innovative Features: Address Book, Rapid Pay, and Push to Card Spritz Finance introduces two standout features: the Address Book and Rapid Pay, enhancing the user experience and streamlining the crypto-to-USD conversion process. The Address Book simplifies transactions by allowing users to store and manage payee information securely, facilitating quick and error-free transactions ([learn more about the Address Book](https://help.spritz.finance/en/articles/8534389-how-to-use-the-spritz-address-book)). Rapid Pay offers an expedited transfer option for US users whose banks accounts support the RTP Network. Rapid Pay gets funds deposited and available for users in less than an hour. If a bank account doesn’t support Rapid Pay, users can also upload a debit card and deposit directly to it. Those funds are deposited instantly and just need to be reviewed by a bank before they can be come available for the account holder’s use. ([Spritz's Rapid Pay feature details](/blog/crypto-bank-accounts-guide)). ### **FAQs: Everything You Need to Know About Converting BNB to USD with Spritz** Converting BNB to USD through Spritz Finance is not only convenient but also optimizes your transactions for speed and security. Here are some frequently asked questions to help guide you through the process: **Q: How do I start converting BNB to USD on Spritz?** A: To begin, simply access the Off-Ramp feature within the Spritz app. This intuitive tool allows you to directly off-ramp BNB to your connected bank account without needing intermediate conversions ([Read More](/blog/the-ultimate-guide-to-off-ramping-crypto-to-your-bank-account-with-spritz)). **Q: What are the benefits of using Spritz over other platforms?** A: Spritz supports multiple blockchains including BNB Chain, providing a seamless transition from crypto to USD. This direct conversion skips the hassles of using centralized exchanges and offers faster access to your funds. **Q: Can I use Spritz for small amounts of BNB?** A: Absolutely! Whether you're converting a small or large amount of BNB, Spritz ensures that your transaction is handled with the same efficiency and security, offering you flexibility in managing your crypto assets ([Learn How](/blog/crypto-30x-strategic-guide)). ### **Why Choose Spritz Finance for Your Crypto to USD Needs?** Choosing Spritz Finance for your BNB to USD conversion needs means embracing efficiency, ease, and security. Unlike traditional financial platforms, Spritz integrates the innovative features of the blockchain with reliable financial services, offering a streamlined process for converting and utilizing your digital assets. Whether you're paying bills, shopping, or managing daily expenses, Spritz facilitates these transactions without the need for centralized exchanges, enhancing user autonomy and convenience. Spritz not only supports the BNB Chain but also ensures that your conversions are executed with minimal fees and real-time processing speeds. The platform's user-centric approach guarantees a hassle-free experience, making it an ideal choice for both seasoned investors and newcomers to the crypto community ([Explore the Benefits](/blog/crypto-30x-strategic-guide)). In conclusion, Spritz Finance stands out as a superior option for converting BNB to USD due to its direct, secure, and fast conversion process. Embrace the future of finance by choosing Spritz, where your crypto works as hard as you do. **Reference:** [Learn more about BNB Chain](https://www.binance.org/en). --- # How to Buy Crypto in the UK > Discover the most efficient way to buy and sell unlimited stablecoins in the UK using Spritz Finance. No centralized exchange (CEX) required. Top up the Visa… _2024-04-08 · Chris Sheehan_ ## **Key Takeaways** - **Spritz's UK Support**: Spritz Finance provides an easy way for UK citizens to buy or sell unlimited amounts of stablecoins directly from their crypto wallet with GBP, no centralized exchange (or CEX) needed. - **Extensive Network Support**: Spritz supports a [broad array of blockchain networks](https://help.spritz.finance/en/articles/9147211-tokens-blockchains), ensuring users can operate across various ecosystems with ease. This flexibility is detailed in their support articles, such as the one on [blockchain support](https://help.spritz.finance/en/articles/9147211-tokens-blockchains). - **Real-World Utility with SpritzCard**: The SpritzCard, a digital debit card loaded via the Spritz app, allows users to spend their crypto just like using a Visa card (because it is a Visa card), bridging the gap between crypto and everyday spending effortlessly. ## **Starting with Crypto in the UK** ### **How to Buy Crypto with GBP Using Spritz Finance** Buying stablecoins in the UK using British Pounds (GBP) through Spritz Finance is straightforward and offers seamless integration with stablecoins on multiple blockchain networks. Here's a step-by-step guide on how to utilize the Spritz GBP and Euro on-ramp service: 1. **Register and KYC Verification**: Begin by signing up at Spritz and completing the Know Your Customer (KYC) process. This is a required step to access the features of the on-ramp. [Learn more about the on-ramp process](https://help.spritz.finance/en/articles/8835086-how-to-use-the-euro-gbp-on-ramp). 2. **Connect Your Bank Account**: Link your GBP bank account to your Spritz profile. This will enable you to directly transfer funds from your bank to buy the stablecoins of your choice. 3. **Choose Your Asset & Network**: Select the stablecoins you wish to purchase and the blockchain network on which you want to receive it. 4. **Complete the Transaction**: Follow the on-screen instructions to transfer GBP from your bank account. Upon completion, the corresponding amount of stablecoins will be deposited into your linked wallet. By following these steps, UK citizens can effortlessly buy stablecoins like USDC and USDT on networks including [Ethereum](https://ethereum.org/en/), [Polygon](https://polygon.technology/), [TRON](https://tron.network/), and more facilitating a smooth entry into the world of crypto. ### **Benefits of Using Spritz Finance** Spritz Finance stands out by combining the reliability of traditional financial systems with the innovative potential of Web3 technologies. Here are some key advantages: - **Versatility**: Spritz supports thousands of cryptocurrencies to top-up on the SpritzCard, allowing for vast crypto flexibility. - **Unlimited Transactions**: There is no cap on the amount of crypto users on or off-ramp, making it ideal for active crypto users. [Explore the benefits of Spritz's services](/blog/on-ramp-with-spritz-in-the-uk-eu). - **Security and Ease**: With advanced security protocols and an easy-to-use user interface, Spritz ensures that your crypto transactions are both safe and easy to execute. - **Low Fees**: Initially, transactions only have a 1% fee, although this is subject to change as the service evolves. This combination of features makes Spritz an excellent platform for anyone looking to engage with cryptocurrencies in a secure and efficient manner. ## **The Spritz Advantage** ### **Seamless Crypto to Fiat Conversion** Converting cryptocurrency to fiat currency in the UK has never been easier, thanks to Spritz's streamlined bank off-ramp solutions. For UK residents, Spritz eliminates the need to transfer crypto to a centralized exchange. Instead, you can directly link your GBP accounts using just your account number and sort code. Spritz also has support for several stablecoins across multiple blockchain networks, such as Ethereum, [TRON](https://tron.network/), [Arbitrum](https://arbitrum.io/), [Celo](https://celo.org/), Optimism, and Polygon. The process is simple: link your bank account, receive a blockchain address, and transfer stablecoins to execute instant conversions with a nominal fee of only 1%. ### **SpritzCard: Use Crypto IRL** The SpritzCard, offered by Spritz Finance, provides a revolutionary way to use cryptocurrency for everyday transactions. Acting like a traditional Visa card, it allows users to load crypto onto the card to use for online and IRL purchases by adding your SpritzCard to Apple Pay or Google Wallet. This includes over 44 million locations worldwide, seamlessly integrating digital currency into daily life. The process of using the SpritzCard is straightforward: acquire the card, load it with crypto such as Bitcoin, a [memecoin](/blog/next-meme-coin-guide) on [Base](https://www.base.org/), or one of the [thousands of coins](https://help.spritz.finance/en/articles/9147211-tokens-blockchains) that the SpritzCard supports, and use it for purchases just like any other debit card. This integration offers not only convenience but also promotes the adoption of cryptocurrencies in everyday financial activities. ## ‍**Advanced Crypto Management Features** ### **Comprehensive Blockchain Network Support** Spritz Finance supports a myriad of blockchain networks, enhancing the flexibility of crypto usage for UK users. From major networks like Ethereum and Bitcoin to newer additions like Solana and TRON, Spritz allows transactions across diverse ecosystems. This extensive network support ensures that UK investors have the freedom to manage a broad range of tokens tailored to their needs, from USDT to niche memecoins, catering to both conservative investors and crypto enthusiasts aiming for diversification ([Spritz Blockchain Support](https://help.spritz.finance/en/articles/9147211-tokens-blockchains)). ### **Using Crypto for Real-World Purchases** In today's digital age, using cryptocurrencies for daily transactions has become a tangible reality with Spritz. UK users can enjoy the seamless conversion of their digital currencies into fiat for use in everyday life—be it online shopping or paying bills. With the SpritzCard, Bitcoin and other supported cryptocurrencies can used at many retailers, particularly online, merging the convenience of traditional finance with the innovative edge of digital currencies. This feature is particularly appealing during a crypto bull run, as it allows investors to utilize their appreciated assets effortlessly. For more details on real-world crypto payments with Spritz, visit [How SpritzCard Works](https://help.spritz.finance/en/articles/6981240-how-does-the-spritz-card-work). ## **Part 4: Essential Tips and FAQs** ### **Getting Started with Spritz** Getting started with Spritz is streamlined to help UK residents quickly engage with crypto using GBP. To begin, you need to create an account on Spritz, link your bank, and connect your wallet. This process involves a few essential steps, ensuring security and ease of use from the get-go: 1. **Account Creation**: Sign up and verify your identity to secure your transactions and comply with legal requirements. 2. **Linking Your Bank**: Connect your GBP bank account via IBAN, enabling you to fund purchases directly in GBP without hefty exchange fees. 3. **Connecting Your Wallet**: Link your crypto wallet to seamlessly transfer crypto assets or receive stablecoins purchased through the Spritz platform. For a detailed guide on getting started, visit [Spritz's Getting Started Page](https://help.spritz.finance/en/collections/5871176-get-started). ### **FAQs** **How can I buy crypto with GBP using Spritz?** Buying crypto with GBP through Spritz involves using the dedicated GBP on-ramp, which supports stablecoin purchases directly from your bank account. No transaction limits apply, providing flexibility for both small and large investments. For more details, see the full on-ramp guide here [Spritz's GBP On-Ramp Guide](https://help.spritz.finance/en/articles/8835086-how-to-use-the-euro-gbp-on-ramp). **What are the advantages of using SpritzCard for daily transactions?** The SpritzCard allows users to spend their crypto like traditional money at many Visa-accepting merchant globally, excluding ATMs and certain online platforms requiring 3DS verification. It integrates digital wallet compatibility for ease of use in real-world transactions. Learn more about where you can use your SpritzCard [here](https://help.spritz.finance/en/articles/6981207-where-can-i-use-my-spritzcard). **Which cryptocurrencies can I buy and sell through Spritz in the UK?** Spritz supports a variety of cryptocurrencies, including major stablecoins like USDC and USDT, across several networks such as Ethereum, Tron, and more, facilitating a versatile crypto on & off ramp experience in the UK. Check the supported networks and coins [here](https://help.spritz.finance/en/articles/8835086-how-to-use-the-euro-gbp-on-ramp). --- # Discover the Next Big Memecoin: The Ultimate 2024 Guide > Memecoins are booming and we’re here to help you take advantage. Learn how to find and buy the next memecoin on Solana, Base, Avalanche, and more. We’ll then… _2024-04-07 · Chris Sheehan_ ## Key Takeaways - Meme coins can offer significant returns on investment, but they also come with high risk due to their volatile nature. Identifying potential memecoins before they go mainstream can be highly rewarding. Tools such as DexScreener ([DexScreener Trending Memecoins](https://dexscreener.com/base?rankBy=trendingScoreH24&order=desc)) can help by providing real-time data on trending coins. - Essential tools and strategies to identify promising meme coins early include using platforms that aggregate token performance data and community feedback, such as DexScreener and CoinMarketCap's meme coin section ([CoinMarketCap Meme Coin Tracker](https://coinmarketcap.com/view/memes/)). - Spritz Finance simplifies the buying and selling process for meme coins by allowing users to directly off-ramp their crypto to their bank accounts or load it onto the SpritzCard, a virtual Visa debit card, for everyday use. This functionality is detailed in their [guide on using the SpritzCard](https://help.spritz.finance/en/articles/8218755-how-to-load-your-spritzcard). ## **Understanding Meme Coins** ### What is a Memecoin? Memecoins are a unique class of cryptocurrencies that typically originate from internet jokes or memes. Unlike traditional cryptocurrencies which might be designed with specific goals regarding scalability, privacy, or usage, meme coins often gain popularity through viral social media movements and community involvement. Notable examples include **Dogecoin**, which started as a joke but now boasts a large community, and **Shiba Inu**, which aims to be an Ethereum-based counterpart to Dogecoin. Meme coins can be highly volatile; their value can skyrocket or plummet based on social media trends and endorsements by celebrities or influencers. This market is largely speculative, and while it offers high potential returns, it also comes with high risk. ### How Memecoins Gain Value The value of memeccoins often hinges on the whims of their communities and social media dynamics. Unlike traditional assets, their value isn't based on revenue, profits, or underlying technological advancements but rather on popularity and user adoption. Community activities, such as creating and sharing memes, can significantly impact their market presence. Social media platforms play a crucial role in this, acting as the battlegrounds where meme coins can gain visibility and traction among potential investors. For example, a single tweet from a high-profile celebrity endorsing a meme coin can lead to rapid increases in that coin's value. The community's sentiment and engagement are pivotal; robust community support can lead to increased demand and, subsequently, an increase in price. Moreover, platforms like Spritz Finance facilitate the integration of meme coins into everyday finance, making it easier to buy and sell these assets directly from one's wallet to a bank account, thus potentially increasing their usability and value. Spritz's support for various blockchains including Solana and Base ensures a broad accessibility for managing meme coin transactions ([learn more about Spritz's capabilities](/)). ### The Role of Spritz Finance in Memecoin Transactions Spritz Finance is strategically positioned to facilitate the acquisition and management of meme coins, bridging the gap between stablecoin accessibility and the dynamic world of decentralized exchanges (DEXs). Users looking to capitalize on the next big meme coin can leverage Spritz to purchase stablecoins like USDC, available on major networks including Solana, and soon in 30 countries. These stablecoins serve as a gateway to acquiring emerging meme coins through popular DEXs such as [Orca](https://v1.orca.so/), [Jupiter](https://jup.ag/), [Trader Joe](https://traderjoexyz.com/avalanche), and [Uniswap](https://uniswap.org/), providing users a first-mover advantage in potentially lucrative markets ([Spritz Finance](/)). Beyond mere acquisition, Spritz simplifies the conversion of meme coins back to fiat, ensuring liquidity is maintained without the complexities typically associated with crypto to fiat transitions. This feature is pivotal for investors who need to respond swiftly to market changes. By accepting a variety of “liquid” tokens across networks such as Base, Avalanche, and Ethereum, Spritz offers a comprehensive off-ramp solution that soon aims to include tokens from the Solana ecosystem, further broadening its reach and utility ([Spritz Finance](/)). Spritz's infrastructure supports this fluid exchange between crypto and fiat by integrating with multiple blockchain networks, thereby accommodating a diverse range of tokens. This integration ensures that users can manage their investments across different blockchains without needing to rely on multiple platforms, streamlining the investment process significantly ([Spritz Finance](/)). For those interested in the mechanics of stablecoin transactions on DEXs, Spritz provides an accessible entry point, mitigating some of the volatility and risk associated with direct meme coin investments. This approach not only caters to seasoned traders but also to newcomers in the crypto space, making it a critical tool in the meme coin ecosystem ([Spritz Finance](/)). ## How to Find and Invest in Meme Coins ### Early Identification of Potential Meme Coins Identifying the next big meme coin early can significantly enhance your investment outcomes. Popular social platforms like Discord and Telegram are pivotal for getting alerts about new meme coins. Channels and groups on these platforms often share early information, allowing members to get ahead before a coin hits mainstream exchanges. Techopedia highlights using these platforms for crypto insights ([Techopedia](https://www.techopedia.com/cryptocurrency/best-meme-coins)). Beyond social media, keeping a close eye on crypto news websites and influencer channels is crucial. Influencers often have early access to project launches and can provide a preliminary assessment that could influence market movements. Regularly updating your knowledge from these sources can help you pinpoint trends before they become the next big wave. ### Investment Strategies for Meme Coins When it comes to meme coin investment, understanding the dynamics of presales and initial coin offerings (ICOs) is essential. Participating in presales often allows investors to purchase coins at a lower price, potentially leading to significant gains as the coins gain market traction. However, it's crucial to conduct thorough research and understand the risks associated, as the meme coin market is notoriously volatile. Investors should consider their investment horizon and risk tolerance when choosing between long-term and short-term investment strategies. Long-term investments might benefit from the gradual adoption and potential stabilization of a meme coin, whereas short-term investments capitalize on the hype and momentum often seen shortly after a coin's release. ## **Advanced Tools and Resources** ### **Key Tools for Meme Coin Traders** To navigate the volatile and often whimsical world of meme coins, traders need robust tools that offer real-time data and comprehensive market analytics. Platforms like DEXTools and CoinCodex stand out in this landscape, providing critical insights that can guide investment decisions. DEXTools is invaluable for its in-depth analysis of decentralized exchange (DEX) markets. It allows users to monitor real-time data on token prices, trading volumes, and liquidity events, which are pivotal for catching trends before they go mainstream. Furthermore, its whale tracking feature helps identify large holders moving the market, offering clues about potential future movements. Similarly, CoinCodex aggregates a vast array of data from across the crypto spectrum. It lists new ICOs, IEOs, and IDOs, furnishing traders with opportunities to invest early in the next big meme coin. Its comprehensive market overviews ensure that users are always informed about the latest and potentially most lucrative tokens. For more details on these platforms, you can visit DEXTools [here](https://www.dextools.io/) and CoinCodex [here](https://coincodex.com/). ### **Utilizing Spritz Finance for On and Off-Ramping** Spritz Finance provides an integrated platform that supports both the acquisition and liquidation of meme coins, making it an essential tool for traders. By facilitating both on-ramp and off-ramp services, Spritz ensures that traders can move smoothly between fiat and crypto realms, optimizing their trading strategies in the process. The on-ramp service at Spritz is designed to be swift and seamless, allowing users to buy meme coins directly with fiat. This is particularly useful for traders who need to act quickly to capitalize on emerging opportunities. Conversely, the off-ramp service supports efficient conversions back to fiat, which is crucial for cashing out gains in a market known for its rapid fluctuations. Spritz also emphasizes security and user-friendliness, making it an appealing choice for both seasoned traders and newcomers to the meme coin market. For a detailed guide on using Spritz’s services, check out the [Spritz Help Center](https://help.spritz.finance/en/collections/5871176-get-started). ## FAQs About Meme Coins and Trading ### How Can I Sell Meme Coins From My Wallet? Selling meme coins directly from your wallet can be a swift process using Spritz Finance. Here’s a simplified step-by-step guide: 1. **Connect Your Wallet**: Start by connecting your wallet such as MetaMask or Trust Wallet to Spritz via WalletConnect. Ensure your browser is compatible and your wallet is prepared to connect ([Spritz Help Center](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz)). 2. **Set Up Your Sale**: Navigate to the off-ramp tab within Spritz and select the meme coins you wish to transfer to your bank. 3. **Direct Bank Transfer**: Opt for a direct bank transfer to cash out your proceeds. Spritz supports seamless off-ramping to your bank account, allowing transactions from your wallet to your bank in minimal steps ([Spritz Finance](/)). ### Where Can I Find the Newest Meme Coins? To discover the latest meme coins, you can use several effective strategies: 1. **DexScreener**: Regularly check platforms like DexScreener, which lists trending meme coins based on real-time market data ([DexScreener](https://dexscreener.com/)). 2. **Social Media and Forums**: Engage with communities on platforms like Discord and Reddit where new projects are often discussed. 3. **Crypto Exchanges and Launchpads**: Keep an eye on listings and IEOs on major exchanges as they frequently introduce new meme coins.Each platform provides a unique angle to discovering potential meme coin gems early in their market entry. ### Memecoins Are Worth Your Attention Meme coins can represent significant investment opportunities due to their viral nature and community-driven growth. However, they also carry risks due to their volatile and speculative nature. Before investing, consider the liquidity, community strength, and market trends surrounding a meme coin. Spritz Finance offers a reliable platform for trading and off-ramping meme coins to traditional financial systems, blending the innovation of meme coins with the stability of established finance solutions. By using tools like Spritz, investors can manage their crypto assets more securely and efficiently, ensuring that they can react quickly to market changes while enjoying the quirky and often lucrative world of meme coins. Remember to always perform due diligence and use secure platforms like Spritz for your transactions ([Spritz Finance](/)). --- # Ultimate Guide to Adding Networks to MetaMask > Discover how to easily add networks like Arbitrum, BNB, and Solana (yes, there’s a way to do it!) to MetaMask. Leverage Spritz Finance for seamless… _2024-04-05 · Chris Sheehan_ ## Introduction to MetaMask and Blockchain Networks ### Overview of MetaMask MetaMask serves as a gateway to the vast world of blockchain and decentralized applications (DApps). It's not just a wallet; it's a bridge that connects users to the Ethereum blockchain and other supported networks, enabling interactions with smart contracts, DeFi platforms, and more. With its user-friendly interface, MetaMask simplifies the experience of managing digital assets, making it accessible for both beginners and seasoned crypto enthusiasts. ### Why Add Networks to MetaMask? Adding networks to MetaMask opens up a universe of possibilities, allowing users to explore and interact with a broader range of DApps across various blockchains. This capability is crucial for leveraging the full potential of the decentralized web. Whether it's Ethereum's vast ecosystem, the rapid and cost-effective transactions on Polygon, or the unique offerings of other chains, each network brings its unique advantages and opportunities. By integrating multiple networks, MetaMask users can easily switch between ecosystems, accessing a wider variety of tokens, NFTs, and services. This versatility enhances the user experience, providing more flexibility and access to the burgeoning world of Web3. ### Spritz and Network Integration Spritz Finance integrates with MetaMask, facilitating seamless crypto transactions across multiple networks like Ethereum, Polygon, BNB Chain, and more. This integration enables users to easily pay bills with crypto, leveraging the advantages of each network for more efficient and cost-effective transactions. For a detailed guide on setting up MetaMask with Polygon, including adding the network and bridging assets, check out Spritz Finance's [Guide to Polygon DeFi](/blog/guide-to-polygon-defi). ### Highlighting Spritz Finance Spritz Finance emerges as the leading solution for efficiently converting cryptocurrency to fiat, showcasing seamless MetaMask integration across a multitude of networks including Ethereum, Polygon, Avalanche, Arbitrum, BNB Chain and more. Recognizing the pivotal role of diverse blockchain networks in today's digital economy, Spritz Finance has expanded its support to include Solana, directly responding to community feedback and the ever-evolving landscape of Web3. This integration caters to a wide audience, enabling users to pay bills or off-ramp crypto straight from their wallet to their bank accounts, embracing the convenience and speed of modern finance (www.spritz.finance). ### Key Takeaways - Spritz Finance offers unparalleled ease in converting cryptocurrencies to fiat, supporting a broad spectrum of networks for comprehensive MetaMask compatibility. - The inclusion of over nine supported blockchains to Spritz’s platform underscores its commitment to diversity and user-centric innovation, facilitating real-world transactions and crypto management. - By enabling direct bill payments, a crypto card called the SpritzCard, and crypto-to-bank transfers from a wide array of networks, Spritz Finance stands at the forefront of bridging the gap between digital currencies and everyday finances. ## How to Add Additional Networks to MetaMask Adding networks to MetaMask expands your DeFi possibilities, allowing you to interact with a wider range of blockchains directly from your wallet. The process is streamlined through the use of Chainlist, a convenient tool that facilitates the addition of new networks to MetaMask with just a few clicks. Here's a step-by-step guide to using Chainlist to enhance your MetaMask experience. ### **Adding Networks via Chainlist** 1. **Navigate to Chainlist**: First, visit [Chainlist](https://chainlist.org/), a comprehensive database of blockchain networks that are compatible with MetaMask. 2. **Search for the Network**: Utilize the search function on Chainlist to find the blockchain network you wish to add, such as Arbitrum, BNB Chai, etc. For detailed information on each network, you might want to visit their main websites like [Ethereum](https://ethereum.org/), [BNB Chain](https://www.bnbchain.world/), [Base](https://www.base.org/), [Arbitrum](https://arbitrum.io/), [Polygon](https://polygon.technology/), etc. 3. **Connect MetaMask**: Click on the "Connect Wallet" button on Chainlist to securely connect your MetaMask wallet. 4. **Add the Network**: After finding your desired network, click the "Add to MetaMask" button next to the network listing. This will prompt a MetaMask notification asking for permission to add the new network. 5. **Confirm Addition**: Review the network details in the MetaMask popup and click "Approve" to add the network to your wallet. 6. **Switch Networks**: With the network added, you can easily switch between networks within MetaMask, enabling you to interact with dApps across different blockchains. For those looking to dive deeper into the technicalities and benefits of various networks, including how they integrate with MetaMask and other wallets, Spritz Finance offers insightful articles. For instance, their guide on [multi-chain bill pay](/blog/multi-chain-bill-pay-launch) demonstrates the practical use of different networks for real-world applications like bill payments. Additionally, Spritz's coverage on [off-ramping to banks](/blog/now-in-the-uk-eu-spritzs-bank-off-ramp) in the UK and EU provides valuable insights into utilizing blockchain technology for financial operations. ### Adding Solana to MetaMask Adding Solana to your MetaMask wallet might seem like a daunting task, but with the right guide, it's as breezy as a walk on the beach! Here's a simple, step-by-step method to integrate Solana into your MetaMask by utilizing Solana Snap. Remember, this method is for those who are looking to expand their MetaMask capabilities beyond its default Ethereum and EVM-compatible chains. 1. **Initiate with Solana Snap**: To start, you'll need to navigate to [Solflare's dedicated page for MetaMask integration](https://solflare.com/metamask). Solflare offers a seamless way to add Solana through the innovative use of Snaps, MetaMask's way of allowing third-party blockchains to connect with the wallet. 2. **Follow the Prompts**: On the Solflare page, you'll find clear instructions to enable Solana within your MetaMask. This involves adding the Solana Snap to your MetaMask wallet, which essentially grants MetaMask the ability to interact with the Solana network. 3. **Enjoy Solana on MetaMask**: After following the setup process, your MetaMask wallet will be Solana-ready! This means you can now manage Solana tokens and interact with Solana dApps directly through MetaMask. Moreover, Spritz Finance emerges as a game-changer. With Spritz, you can effortlessly purchase an unlimited amount of USDC on Solana, enabling you to dive deeper into the Solana ecosystem without the usual hurdles. This feature is a testament to Spritz's dedication to blending traditional financial reliability with the innovative spirit of Web3. For more details on this feature and how Spritz integrates with various blockchains, check out their guide on [supported networks](https://help.spritz.finance/en/articles/9147211-tokens-blockchains). Incorporating Solana into MetaMask opens up a new realm of possibilities for your crypto endeavors, further enhanced by Spritz's innovative financial solutions. For a deep dive on off-ramping crypto to your bank using Spritz, check their [detailed guide](https://help.spritz.finance/en/articles/9147211-tokens-blockchains), ensuring you make the most out of your crypto investments. ### Spritz Finance: Bridging DeFi and TradFi Spritz Finance utilizes these networks to streamline the conversion of your crypto to fiat, enabling real-world applications like bill payments directly from your Web3 wallet. With Spritz, you can off-ramp your crypto to USD in a single, efficient transaction without the need for centralized exchanges or multiple transaction fees. Their platform supports off-ramps from Ethereum, Polygon, BNB Chain, and more including popular tokens like ETH, BNB, MATIC, along with thousands of memecoins and various stablecoins. ### **Crypto Off-Ramping Made Easy** Spritz Finance simplifies the conversion of cryptocurrency to fiat, enabling users to pay for real-world expenses directly from their MetaMask wallet. This service bridges the often complex gap between blockchain technology and everyday financial needs, by allowing seamless off-ramping of various cryptocurrencies across major blockchain networks such as Ethereum, BNB Chain, [Avalanche](https://www.avax.network/), Arbitrum, Polygon, and more. By connecting your MetaMask wallet to the Spritz app, adding your bank details, and initiating a transaction, you can off-ramp your crypto with minimal fees and transactions. This not only conserves your time and money by reducing transaction steps but also maximizes the utility of your cryptocurrencies in the real world. ### **Benefits of Spritz Finance for MetaMask Users** Spritz Finance introduces an array of benefits for MetaMask users, focusing on no transaction limits and high limits from the first day in the US and Canada, among its key features. It supports a wide range of countries and payment methods, catering to a global audience. Users can enjoy the flexibility of paying bills, including mortgages, with crypto via Spritz, adding a layer of convenience to digital currency management. This capability extends across various blockchain networks, offering users the versatility to utilize their preferred cryptocurrencies for an array of payment needs. ### **FAQs** - **How do I add Base and Arbitrum and other networks to MetaMask?** Arbitrum and other networks can be added to MetaMask by selecting the network addition feature within the MetaMask interface, allowing for an expanded range of blockchain interactions. - **Can I pay my mortgage with crypto?** Yes, Spritz Finance enables the payment of mortgages and other significant bills directly using cryptocurrencies, integrating traditional financial obligations with the modern digital economy. - **What are the benefits of adding networks like BNB Chain and Solana to MetaMask?** Adding networks such as BNB and Solana enhances the functionality of MetaMask, allowing users to access a wider range of decentralized applications and services, fostering a richer DeFi ecosystem experience. - **How does Spritz Finance protect my information and crypto activities?** Spritz Finance ensures the protection of user information and crypto activities through robust security measures, including compliance with regulatory standards, to offer a secure environment for its users. ### **Conclusion** Incorporating various networks into MetaMask enriches the DeFi engagement experience, offering users access to a broad spectrum of blockchain services and applications. Through Spritz Finance's integration, the conversion process from crypto to fiat for everyday financial tasks is significantly simplified, demonstrating the practical utility of digital currencies in traditional financial systems. This guide highlights the importance of these integrations for a comprehensive digital financial experience. For more detailed information, visit the [Spritz Help Center](https://help.spritz.finance/). --- # USDT vs USDC: Choosing the Best Stablecoin > Explore the differences between USDT and USDC to make informed decisions for your crypto transactions. Learn how Spritz Finance streamlines the process for… _2024-03-31 · Chris Sheehan_ ## Part 1: Introduction to Stablecoins and Spritz Finance Integration Stablecoins, like USDT (Tether) and USDC (USD Coin), have revolutionized the crypto market by offering a bridge between the volatile world of cryptocurrencies and the stable value of fiat currencies. These digital currencies are pegged to the value of traditional currencies, typically the US dollar, which mitigates the price volatility often associated with other cryptocurrencies. This stability is crucial for traders, investors, and businesses looking for reliable transaction mediums in the digital asset space. Enter Spritz Finance, a cutting-edge platform designed to seamlessly integrate the convenience of stablecoins with the reliability of traditional banking systems. Spritz Finance enables users to effortlessly convert their cryptocurrency holdings, including USDT and USDC, directly into fiat currencies, such as USD, without the need for intermediary exchanges. This process not only simplifies transactions but also ensures privacy and security for its users. The platform's innovative approach to bridging the gap between crypto and fiat is a testament to the synergy between traditional finance reliability and Web3 innovation. Discover how Spritz Finance is revolutionizing crypto to fiat conversions at [/blog](/blog). ## Key Takeaways Stablecoins play an essential role in reducing the volatility inherent in the cryptocurrency market. By anchoring their value to stable fiat currencies, stablecoins provide a dependable means of transaction and valuation for crypto users. This stability is vital for performing everyday transactions, hedging against crypto market volatility, and providing a stable store of value. Spritz Finance leverages this stability by offering a streamlined platform for managing USDT and USDC transactions. Users of Spritz Finance can enjoy the benefits of: - Direct conversion of USDT and USDC to fiat currencies, facilitating easier access to traditional financial systems. - A simplified and secure transaction process that protects users' privacy. - An innovative solution that combines the reliability of traditional finance with the flexibility and potential of Web3 technologies. By utilizing Spritz Finance, users can navigate the crypto market with greater confidence and convenience, making the most of their digital assets in a stable and secure environment. ## Understanding USDT and USDC ### What Is Tether (USDT) Tether (USDT) emerged as the first widely adopted stablecoin, designed to combine the unrestricted nature of cryptocurrencies with the stable value of the US dollar. Each USDT is meant to be backed by a dollar held in reserve, although this claim has led to scrutiny and legal challenges over the years. Despite concerns, USDT's market cap has continued to grow, making it a cornerstone of crypto trading and transactions. ### What Is USD Coin (USDC) USD Coin (USDC) is presented as a more transparent and regulated alternative to USDT, launched by the CENTRE consortium, which includes Circle and Coinbase. USDC has gained significant traction for its commitment to full backing by US dollars and its monthly transparency reports verifying reserves. This level of transparency and regulatory compliance has attracted a wide user base, including those seeking to minimize their risk in digital transactions. ### Comparative Analysis While both USDT and USDC aim to maintain a 1:1 value with the US dollar, their approaches to reserve management and transparency differ significantly. USDT's larger market cap and liquidity make it a popular choice for traders, but its history of legal challenges and questions about reserve audits have raised stability concerns. In contrast, USDC's strong regulatory compliance and transparent audits have made it a preferred option for risk-averse individuals and businesses. - Launch Date: USDT was launched in 2014, making it one of the earliest stablecoins, while USDC was introduced in 2018 as a response to the demand for more transparent stablecoin options. - Reserve Asset Stability: USDC regularly publishes proof of reserves, ensuring that each coin is backed by an equivalent amount of US dollars. USDT has faced scrutiny over its reserves, although it remains widely used. - Trade Volume: USDT generally sees higher daily trading volumes due to its longer presence in the market and adoption by major exchanges, while USDC's volume has been growing steadily as it gains trust among users. By leveraging platforms like Spritz Finance, users can navigate the stablecoin landscape with ease, choosing between USDT and USDC for their transactions based on personal preferences for transparency, regulatory compliance, and market liquidity. ## Spritz Finance: Bridging the Gap Spritz Finance uniquely supports the seamless transition between cryptocurrencies like USDT and USDC and fiat currencies across multiple blockchain networks. This flexibility underscores Spritz’s commitment to user convenience and privacy, making it a go-to platform for managing digital assets. ### Unparalleled Support Across Networks Spritz Finance stands out by facilitating on and off-ramp services for USDT and USDC across diverse networks, including Ethereum, BNB Chain, Arbitrum, Polygon, and more. This multi-network support ensures that users can effortlessly manage their digital assets without worrying about network-specific limitations. Whether you're looking to utilize USDT or USDC for payments or transfers, Spritz provides a streamlined process to connect your crypto wallet directly to your bank account, offering rapid off-ramping to USD, CAD, GBP, or Euros within minutes ([https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz)). ### Ease of Use and Enhanced Privacy By enabling direct bill payments and crypto-to-fiat transactions without the need for intermediaries, Spritz not only simplifies the crypto experience but also enhances user privacy. The platform’s intuitive interface and secure processes ensure that even those new to crypto can navigate its services with ease, underscoring Spritz's role in making digital finance accessible to all. Spritz’s expansion into supporting multiple blockchains for USDT and USDC transactions empowers users by providing flexibility in how they manage their digital and fiat currencies. This approach not only enhances the utility of stablecoins within the Spritz ecosystem but also promotes a broader adoption of cryptocurrencies in everyday finance. For detailed guidance on using Spritz's off-ramp services to transition from crypto to fiat, including setting up bank accounts in various currencies and executing transactions across supported networks, please visit the [Spritz Help Center.](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz) Leveraging its robust platform, Spritz Finance is poised to redefine the digital finance landscape, merging the reliability of traditional financial systems with the innovative potential of the cryptocurrency space. ## **Part 2: Making the Right Choice for Your Needs** When navigating the bustling streets of the digital finance world, the choice between **USDT** and **USDC** for transactions on **Spritz Finance** can seem as daunting as choosing between a latte and a cappuccino at your favorite coffee shop. But worry not! Let's sip through the facts together, shall we? ### Factors to Consider Choosing between USDT and USDC comes down to a blend of reliability, network support, and real-world utility. Both are stablecoins pegged to the US dollar, but they froth in their unique ways. **Spritz Finance** supports a diverse menu of blockchain networks such as [Bitcoin](https://bitcoin.org/), [Ethereum](https://ethereum.org/), and [Polygon](https://polygon.technology/), to name a few, ensuring that whether you're team USDC or USDT, you're covered. This wide support is crucial for those who wish to seamlessly integrate their digital finances with traditional ones, making everything from paying bills to off-ramping to your bank account as smooth as your morning espresso. ## Real-world Applications: Trading, Savings, and Remittances In the realm of **trading**, liquidity and exchange support are key. USDT, being widely adopted, often sees higher volumes, which might make it your go-to for that quick trade. USDC, on the other hand, boasts a strong backing by reputable financial institutions, possibly making it your choice for savings or remittances, where stability is paramount. For those looking to **send money across borders**, the choice between USDT and USDC might come down to the fees and speed on their respective networks. With Spritz Finance, sending money is as easy as making a payment from your Web3 wallet to any linked account, all while ensuring your transactions are secure and private ([Spritz Finance Security](https://help.spritz.finance/en/articles/6089375-how-does-spritz-work)). ## **FAQs Section** ### Is USDT or USDC better for use with Spritz Finance? Both USDT and USDC offer their unique advantages and are supported by Spritz Finance across multiple networks. The best choice depends on your specific needs, such as the preferred blockchain network or the type of transaction you're making. ### How does Spritz Finance ensure the privacy of my transactions? Spritz Finance prioritizes your security, ensuring that transactions remain private and secure. They never ask for your private keys, making every transaction as confidential as your secret coffee order ([Spritz Finance Privacy](https://help.spritz.finance/en/articles/6089375-how-does-spritz-work)). ### Can I convert USDT and USDC directly to my bank account using Spritz Finance? Absolutely! Spritz Finance offers a seamless off-ramp service allowing you to convert USDT and USDC (along with other coins across multiple networks) directly to your bank account, minimizing the transactions needed and keeping those pesky fees at bay ([Spritz Finance Off-Ramping](/blog/off-ramp-centralized-exchange)). **Remember**, whether you're team USDT or USDC, Spritz Finance has got your back, making sure your digital to fiat transition is as smooth as your favorite blend. --- # Unlock the Potential of Your Crypto with Spritz Points > Discover how Spritz Points can be earned every time you off-ramp crypto to your bank or load a Visa SpritzCard with crypto. Pay credit cards, your mortgage,… _2024-03-29 · Chris Sheehan_ ## Key Takeaways Spritz Points are a revolutionary way to reward the fantastic community of Spritz users. Each transaction, whether it's paying a bill, loading the SpritzCard, or transferring to/from your bank, earns users 100 points. The system is designed to reward every transaction, with plans to expand the ways in which points can be earned based on user feedback. Spritz' introduction of the SpritzCard further exemplifies this synergy between crypto's innovation and everyday living. The SpritzCard allows users to load crypto and spend it just like a Visa card…because it is a Visa card! This easy-to-use, virtual debit card not only enhances the utility of crypto in everyday life but also integrates seamlessly with the Spritz Points system, rewarding users for every load onto the card. [**Start Earning Points Now!**](https://app.spritz.finance/home) ## **Part 1: Understanding Spritz Points** ### What are Spritz Points? Spritz Points are more than just numbers in your account; they are a vibrant reflection of your active participation within the Spritz ecosystem. Tailored to recognize and reward user engagement, Spritz Points accumulate with every transaction you make, whether you're paying bills with crypto or loading your SpritzCard. As a symbol of your commitment to embracing crypto in everyday life and living on-chain. Engage more, earn more—it's that simple with Spritz Points. ### How to Earn Spritz Points Earning Spritz Points is very straightforward. Each transaction—be it an on-ramp, off-ramp, bill payment, or loading your SpritzCard—is your ticket to accumulating these valuable points. Currently, each transaction is worth 100 points, but the future holds endless possibilities for expansion. From past to present, every transaction counts, ensuring that long-time users are recognized for their loyalty. Spritz's commitment to rapid, feedback-driven evolution means that your points could unlock new horizons of rewards. How would you like your Spritz Points to reward you? The power is in your hands, whether they are diamond or paper hands. ### Current Uses and Future Potential Spritz Points represent a novel way to reward user engagement and activity within the Spritz ecosystem. For every transaction, whether it's on-ramping, off-ramping, paying bills, or loading your SpritzCard, users earn 100 points. This initiative is not just about accumulating points; it's a step towards enhancing user interaction and offering rewards that genuinely matter to the Spritz community. The future of Spritz Points is exciting, with potential rewards and benefits shaped by user feedback. Let us know how you envision the future of Spritz Points [here](https://spritz.canny.io/). ### Spritz's Commitment to User Feedback Spritz's philosophy revolves around quick deployment and continuous improvement, guided by user feedback. The introduction of Spritz Points underscores our commitment to a community-driven development approach. We are keen on evolving the Spritz Points system into something that adds real value to our users' lives, based on the engagement and suggestions from our vibrant community. This approach ensures that as Spritz grows, it does so in a direction that benefits its users the most, making their experience with bridging the gap between on-chain and off-chain easier, more rewarding, and tailored to their needs. **For Further Reading:** - For more insights into how Spritz is revolutionizing the crypto off-ramping process and making it seamless for users to convert their crypto into USD, Euros, GBP, and CAD and send it directly to their bank accounts, visit our detailed guide [here](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). For a comprehensive understanding of how Spritz facilitates the off-ramping process and makes it incredibly user-friendly, check out our articles on [how to off-ramp crypto to real-world value](/blog/how-to-off-ramp-crypto), the announcement of our off-ramp feature [Spritz Off-ramp: Crypto to USD bank transfers made easy](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer), and [The Ultimate Guide to Off-Ramping Crypto to Your Bank Account with Spritz](/blog/the-ultimate-guide-to-off-ramping-crypto-to-your-bank-account-with-spritz), where we delve into the ease and efficiency Spritz offers in bridging the gap between DeFi and traditional finance. ## Part 2: Spritz Finance Ecosystem ### The Spritz Finance Platform Spritz Finance is revolutionizing the way we think about managing personal finances with cryptocurrency. At its core, Spritz offers a suite of tools designed to merge the efficiency and innovation of web3 with traditional financial services. This platform enables users to **pay bills directly from their crypto wallets**, utilize a **SpritzCard for daily expenses**, and **off-ramp crypto to USD, Euro, GBP, and CAD bank accounts** with unprecedented ease. Unlike centralized exchanges, Spritz streamlines the conversion process, allowing for seamless **crypto to USD, Euro, GBP, and CAD transfers directly from their crypto wallet**. This bypasses the need to transfer to an exchange, saving every user time and gas fees.  The platform supports thousands of tokens across various blockchains, including [Ethereum](https://ethereum.org/en/), [Base](https://www.base.org/), [Polygon](https://polygon.technology/), [Arbitrum](https://arbitrum.io/), [Optimism](https://www.optimism.io/), [Avalanche](https://www.avax.network/), [BNB Chain](https://www.bnbchain.org/en), and more ensuring flexibility and accessibility for its users. ### Leveraging Spritz for Daily Transactions Spritz’s versatility extends to daily financial transactions, transforming crypto assets into a practical tool for managing real-world expenses. Users can **pay utility bills, mortgages, or even send money to friends and family**, all from their digital wallets. This is enabled by Spritz’s Direct Wallet Pay feature, which allows for bill payments in the US with thousands of tokens supported. Loading the **SpritzCard** is another highlight, offering a bridge between digital and fiat currencies. This card can be used as an everyday debit card as it’s a Visa card, turning crypto assets into a readily accessible means for everyday purchases. For an even deeper dive into how Spritz Finance is setting the stage for the future of personal finance, leveraging crypto for daily transactions, and simplifying the off-ramping process, check out their official [blog](/blog) and [help center](https://help.spritz.finance/). ## FAQs ### How do Spritz Points work and what can they be used for currently? Spritz Points reward active users for every transaction they make, whether it's on-ramping, off-ramping, paying bills, or loading a SpritzCard. Each transaction is worth 100 points, showcasing who's truly engaged with Spritz. Currently, Spritz Points can't be exchanged for rewards or prizes, the future could see them being used based on user feedback. The more you engage, the more points you earn, paving the way for potential rewards tailored by the community's feedback. ### How can I earn Spritz Points with my existing transactions? For long-time Spritz users, the good news is that every transaction you've made with Spritz, retroactively, earns you points. This means if you've been using Spritz for a while, you're already ahead in the points game. ### What future enhancements are expected for the Spritz Points system based on user feedback? Spritz is all about evolving with its community. The introduction of Spritz Points marks just another step forward in making crypto easier for everyone. In the future, there could be expansions in how points are earned and the introduction of rewards or prizes based on community feedback. This approach ensures that the Spritz Points system will continue to grow and adapt to the expressed needs of the community. ([Share your thoughts](https://spritz.canny.io/)). ## Conclusion By rewarding every transaction, Spritz opens the door to future enhancements driven by community feedback. This innovative approach to crypto transactions directly from your crypto wallet places Spritz at the forefront of integrating traditional finance with web3 innovation. Engage, earn, and help shape the future of Spritz Points to unlock the full potential of your crypto assets ([Start using Spritz](https://app.spritz.finance/)). For more information on how Spritz is revolutionizing the way we use crypto for everyday transactions and beyond, visit [Spritz Finance Blog](/blog). --- # Effortlessly Pay Your Bills with Bitcoin Using Spritz > Discover the convenience of paying your bills with Bitcoin through Spritz Finance. Streamline your finances by integrating crypto with everyday expenses.… _2024-03-22 · Chris Sheehan_ ## Key Takeaways Spritz Finance is not just a platform; it’s a game-changer in the world of cryptocurrency and everyday finance. Here’s what you can take away from this revolutionary service: ### Ease of Setup and Payment Setting up your Spritz account is a breeze. A simple sign-up process followed by connecting your email and phone, and you're ready to integrate your bills. Linking bills is straightforward, and payments can be made effortlessly directly from your crypto wallet (www.spritz.finance). ### Financial Freedom and Privacy With Spritz Finance, your financial freedom is in your own hands. You maintain control of your Bitcoin, using it as you see fit for various bills and expenses. This autonomy also offers enhanced privacy, as you don’t need to convert your crypto to fiat through traditional banking channels (www.spritz.finance). ### Integration with Various Services Spritz Finance supports a wide range of services, including utilities, credit cards, subscriptions, and more. This extensive integration means that almost any bill you have can be paid using Bitcoin, making it an incredibly versatile tool for modern financial management ## How Spritz Bridges Crypto and Traditional Finance In the realm of personal finance, the synergy between decentralized finance (DeFi) and traditional finance (TradFi) is increasingly evident. Spritz Finance is a prominent example of this blend, especially in its support for various networks like Bitcoin, Ethereum, and others. The Ethereum DeFi ecosystem, known for its robustness, plays a pivotal role in Spritz's offerings . Spritz revolutionizes bill payments by facilitating seamless transactions from crypto to USD bank transfers in a single step. This is significantly more efficient than traditional multi-step processes involving exchanges and banks, as Spritz users can off-ramp their crypto directly to their bank accounts. Spritz not only supports bill payments across several blockchain networks, but it also makes the process of paying real-life bills with digital assets like USDC straightforward and quick. ### Step-by-Step Guide to Pay Bills with Bitcoin on Spritz Setting up your account with Spritz is the first step to managing your bills with Bitcoin. The process begins with connecting your wallet to Spritz, a straightforward procedure designed for ease of use. Once your account is set up, you can select Bitcoin as your payment option and decide on the amount for bill payment. Linking various bills like your credit card bill, mortgage, or other payments is a breeze, thanks to Spritz's user-friendly interface. The app allows you to view and manage all linked bills, showing details such as due amounts and payment deadlines. Overall, Spritz simplifies and secures the process of paying bills with Bitcoin, offering a seamless experience that integrates cryptocurrency into everyday financial tasks. To explore more Bitcoin visit [GetOnBTC](https://www.getonbtc.com/), which provides a broader perspective on the world’s largest cryptocurrency. ### Utilizing SpritzCard for Subscription Services **Paying for your Netflix subscription with Bitcoin is now a breeze, thanks to SpritzCard.** Spritz Finance has revolutionized the way we utilize cryptocurrencies for everyday transactions. Imagine effortlessly paying for your Netflix and other subscription services using the innovative SpritzCard. The SpritzCard, a prepaid debit card by Spritz Finance, is the ultimate tool for integrating your digital currency into real-world applications. Here's how it seamlessly connects your Bitcoin to the services you love: #### **How to use SpritzCard for Netflix, etc.** Using SpritzCard is as simple as loading it with Bitcoin. Once you have a SpritzCard, you can easily convert your Bitcoin into a spendable format at over 44 million locations worldwide, including subscription services like Netflix. This integration of crypto with everyday expenses illustrates Spritz's commitment to bridging the gap between traditional finance and web3 innovation. ### Loading the card with Bitcoin Loading your SpritzCard with Bitcoin is straightforward. After acquiring your digital SpritzCard through the Spritz app, select the "fund with crypto" option and choose Bitcoin. Confirm the transaction in your wallet, and you're set to enjoy your subscriptions without the hassle of traditional payment methods. This quick and easy process is what sets Spritz apart in the competitive landscape of crypto finance solutions, and allows you to [Get On Zero](https://getonzerofiat.com/), meaning you don’t hold any fiat. ### FAQs About Paying Bills with Bitcoin through Spritz **Navigate the innovative realm of paying bills with Bitcoin via Spritz with these frequently asked questions.** Spritz has simplified the process, enabling users to effortlessly manage their finances with cryptocurrency. #### **How to add bank accounts** To add a bank account to your Spritz platform, first complete the Know Your Customer (KYC) process for a trusted experience. Linking your bank account is just a few clicks away in the Spritz app, streamlining the process to connect your traditional financial instruments with your crypto endeavors. #### **Fees associated with Spritz** Spritz, renowned for its user-friendly interface, ensures transparency in its fee structure. While specific details on the fees can be obtained from their website, it's known that Spritz offers competitive rates, often better than traditional crypto exchanges, to off-ramp directly to your bank from your wallet, thereby saving on additional charges, like gas fees just to transfer to an exchange. #### **Security measures** Security is a paramount concern for Spritz. They prioritize the safety of user information and transactions. The platform never asks for private key information, safeguarding your assets while facilitating easy payments. The security measures adopted by Spritz ensure peace of mind when paying bills with Bitcoin. ### **Advanced Features of Spritz for Bitcoin Users** Spritz, a trailblazer in the fusion of cryptocurrency and traditional finance, offers unique capabilities for Bitcoin enthusiasts. By seamlessly connecting your crypto wallet to real-world bill pay accounts, Spritz empowers you to directly pay your bills with Bitcoin, bypassing the need for conventional banking procedures. This innovative feature not only enhances convenience but also heralds a new era in financial management, blending the avant-garde world of cryptocurrencies with everyday expenses. One of Spritz's standout features is its user-friendly interface for off-ramping crypto to various bank accounts. This process simplifies converting your Bitcoin holdings into fiat currency and transferring them directly to your bank account. Furthermore, Spritz supports a wide array of stablecoins and transaction types, offering flexibility in how you manage your cryptocurrency assets. Supported stablecoins include USDC, USDT, and agEur on various blockchains like Ethereum, Polygon, Optimism, and Arbitrum, providing a diverse range of options for your transactions ([Spritz Supported Stablecoins](/blog/now-in-the-uk-eu-spritzs-bank-off-ramp)). Unlike traditional exchanges that can be time-consuming and complex, Spritz ensures a swift, streamlined experience. Users across the UK and EU, for instance, benefit from a simple process to link their GBP or Euro IBAN accounts, facilitating effortless transfers (see more on [Spritz's UK & EU Off-ramp](/blog/now-in-the-uk-eu-spritzs-bank-off-ramp)). ### **Network Support and Future Integrations with Spritz** Spritz is not only innovative in its current offerings but also in its forward-looking approach to blockchain technology. Presently, Spritz supports several prominent blockchain networks, allowing users to pay bills using various cryptocurrencies. These include [Ethereum](https://ethereum.org/en/), [Base](https://www.base.org/), [BNB Chain](https://www.bnbchain.org/en), [Avalanche](https://www.avax.network/), [Optimism](https://www.optimism.io/), [Arbitrum](https://arbitrum.io/), and [Polygon](https://polygon.technology/) networks. This wide-ranging support signifies Spritz's commitment to accommodating a diverse user base, each with its preferred blockchain and crypto assets. Looking to the future, Spritz plans to expand its blockchain integrations, enhancing its platform's utility and inclusivity. This will enable users to leverage an even broader spectrum of cryptocurrencies for bill payments, further bridging the gap between the digital currency world and everyday financial activities. By staying abreast of blockchain advancements and integrating emerging technologies, Spritz aims to remain at the forefront of the crypto-financial revolution. ### Real-World Applications Paying bills with Bitcoin via Spritz Finance offers a contemporary alternative to traditional payment methods. Traditional bill payments often involve numerous steps, from bank transfers to clearing periods, which not only consume time but also lack the efficiency of modern financial tools. In stark contrast, Spritz Finance streamlines this process by allowing direct bill payments from your crypto wallet. This convenience is rooted in Spritz's user-friendly interface and extensive bill-pay capabilities, catering to a range of financial obligations from credit card payments to utility bills and even entertainment subscriptions like Netflix. Imagine the scenario where traditionally, paying off a credit card might involve several steps including bank transfers and processing time. With Spritz, it's as simple as selecting the 'Pay with Crypto' option and proceeding with the transaction, a significant reduction in steps and time. Furthermore, Spritz's capability to integrate with multiple blockchains (Ethereum, BNB Chain, Avalanche, Optimism, Arbitrum, and Polygon) ensures flexibility and broad asset utility for users. This multichain functionality highlights Spritz's commitment to providing an inclusive platform for diverse crypto assets, thereby offering a seamless payment experience regardless of the chosen blockchain. ## Conclusion: Embracing the Future of Bill Payments with Bitcoin In conclusion, the benefits of using Bitcoin for bill payments through Spritz Finance are manifold. It brings unprecedented convenience and efficiency, transforming the way we manage our financial commitments. By enabling payments directly from your crypto wallet, Spritz not only simplifies the payment process but also provides a secure and rapid transaction experience. As we look towards the future of financial transactions, integrating cryptocurrency into our daily lives becomes increasingly essential. Spritz Finance stands at the forefront of this integration, offering solutions that blend the innovation of blockchain technology with the practicality of everyday financial activities. The platform's ability to support various types of bills and its compatibility with numerous blockchains solidifies its position as a versatile and user-centric service. I encourage readers to explore the ease and efficiency of paying bills with Bitcoin through Spritz. As we embrace this innovative approach, we not only participate in the evolution of financial transactions but also take a step forward in making our financial management more effective and aligned with the digital age. --- # Crypto Friendly Banks: How Yours Can Be Crypto Friendly > Explore how Spritz Finance transforms any bank into a crypto-friendly institution. Learn why some banks resist crypto and how Spritz enables easy… _2024-03-21 · Chris Sheehan_ ## Key Takeaways: Understanding Crypto Banking with Spritz Finance - Spritz Finance allows any bank to become crypto friendly, removing traditional obstacles for crypto users. - It integrates cryptocurrency with conventional banking systems for smooth conversions and transfers to bank accounts. - This integration facilitates ease of transactions, bridging the gap between crypto and fiat currencies. - Spritz supports a variety of cryptocurrencies and blockchain networks for versatile user options. - Their comprehensive help section offers detailed guidance on [off-ramping crypto to bank accounts](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). ## Part 1: The Crypto Banking Dilemma The hesitation of traditional banks to embrace cryptocurrencies stems from various concerns, including regulatory uncertainty, volatility, and the risks associated with the emerging technology. This reticence has led to a scarcity of crypto friendly banks. Crypto users often find themselves navigating a complex web of transactions, facing high fees, and a lack of seamless integration with their regular banking services. Spritz Finance addresses these challenges head-on. By facilitating direct transfers from crypto wallets to bank accounts, Spritz eliminates the need for multiple intermediaries, reducing fees and transaction times. Their innovative solution also mitigates the regulatory and security concerns of banks, enabling a smoother integration of crypto into everyday banking. Through features like the Spritz Off-ramp, users can effortlessly convert a wide range of cryptocurrencies to USD, GBP, CAD, or Euros and transfer them to their bank accounts, as highlighted in the help center article [regarding the Spritz Off-ramp feature](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). ## Part 2: Spritz Finance - Making Every Bank Crypto-Friendly While traditional banks grapple with the integration of cryptocurrency, Spritz Finance is carving a niche by offering a unique crypto-to-fiat conversion service. It’s not just about enabling every bank to be crypto-friendly; it's about transforming the way banks interact with cryptocurrency. ### **Revolutionizing Crypto-to-Fiat Conversion** Spritz Finance stands out by offering a seamless off-ramp for transferring cryptocurrency directly from decentralized wallets like MetaMask to bank accounts as fiat. This is a game-changer in the crypto world. Unlike transactions from exchanges such as Coinbase, which might raise flags with banks, deposits made through SpritzPay appear as standard fiat deposits. This approach mitigates the risks typically associated with crypto transactions in the eyes of traditional banks. ### **Bridging Decentralized Finance and Traditional Banking** This unique feature of Spritz Finance addresses one of the critical pain points in the crypto realm – the challenge of transferring assets from the decentralized ecosystem to the regulated world of banking without triggering security protocols. By doing so, Spritz is not only making every bank crypto-friendly but is also paving the way for a more harmonious relationship between decentralized finance and traditional banking systems. ### **Empowering Users with Flexibility and Security** Spritz Finance's approach empowers users by offering them the flexibility to move their digital assets with ease while ensuring security and compliance with regulatory standards. It provides a hassle-free solution for those looking to utilize their crypto holdings in the conventional financial market, thereby expanding the utility of digital currencies beyond their traditional sphere. ## Part 3: Navigating Harsh Bank Policies for Crypto Off-Ramping For individuals exploring how to safely off-ramp their funds from decentralized crypto wallets into traditional bank accounts, it's essential to navigate the maze of bank policies. Banks in regions like the US, UK, Canada, and the EU have varied stances on cryptocurrencies, particularly regarding deposits from well-known exchanges. ### **Understanding Bank Policies in Different Regions** **United States: Regulatory Challenges ‍**In the United States, regulatory perspectives significantly shape bank policies. Some institutions, influenced by guidelines from bodies like the SEC, may view crypto assets cautiously, impacting their willingness to accept deposits from crypto exchanges. This is an essential consideration for anyone looking to off-ramp crypto assets ([CoinDesk](https://www.coindesk.com/policy/2022/09/16/secs-crypto-guidance-pushes-us-banks-to-rethink-custody-projects-report/)). **United Kingdom: HSBC's Restrictive Policies ‍**In the UK, [HSBC](https://www.hsbc.co.uk/) has a notably restrictive policy. It does not allow the use of credit cards for purchasing cryptocurrencies, reflecting a cautious approach to direct crypto transactions. Individuals in the UK must consider these policies when choosing a bank for off-ramping funds ([Finbold](https://finbold.com/how-to-buy-crypto-with-hsbc/)). ### **Why Choose Alternative Off-Ramping Methods?** When major exchanges like [Coinbase](https://www.coinbase.com/), [Kraken](https://www.kraken.com/), or [Binance](https://www.binance.com/en) are involved, banks may be more likely to flag or even reject deposits due to their stringent crypto policies. In these scenarios, using services like Spritz Finance, which enable direct crypto-to-fiat conversion from decentralized wallets like MetaMask, becomes invaluable. Spritz ensures that deposits appear as standard fiat transactions, significantly reducing the risk of being flagged by banks. ## Part 4: Successful Crypto to Fiat Transactions with Spritz Spritz Finance has reshaped the landscape of cryptocurrency transactions, offering versatile and user-friendly solutions for crypto to fiat conversions. ### Spritz's Unique Offering Spritz stands out with its straightforward and efficient approach to crypto transactions. It allows users to pay bills directly using cryptocurrency, off-ramp crypto to their bank account, and utilize virtual credit cards. The platform caters to a broad range of needs, from individual bill payments to business transactions. ### Simplifying the Crypto Experience The essence of Spritz's service lies in its simplicity and security. Users can enjoy quick crypto to fiat conversions, with the platform processing substantial volumes in bill payments and fiat conversions. Spritz's user-friendly interface ensures a smooth experience, whether you are paying a utility bill or transferring crypto to your bank account. ### Transforming Digital Assets into Traditional Currency Spritz facilitates easy conversions of digital assets to traditional currency, offering services across various blockchain networks. This flexibility and ease of use have made Spritz a go-to solution for many looking for efficient and secure crypto management. --- # Best USDC-Friendly Wallets: The Ultimate 2024 Guide > Your ultimate guide to the best wallets that support USDC across various blockchains including Arbitrum, Optimism, Polygon, and Solana. Learn how Spritz… _2024-03-21 · Chris Sheehan_ ## Key Takeaways - **Understanding USDC**: USDC is a stablecoin widely used for its stability and reliability in the crypto market. - **Easy Conversion to Fiat**: Spritz Finance offers a straightforward method to convert USDC to traditional currencies like USD, CAD, GBP, or Euros, facilitating a quick transition from crypto to fiat. - **Seamless Off-Ramping**: Off-ramp your USDC directly to a bank account in a swift, single transaction using Spritz Finance's innovative technology. For further details, visit the Spritz Finance guide on [how to off-ramp crypto to your bank account](https://help.spritz.finance/en/articles/6706517-how-to-off-ramp-crypto-to-your-bank-account). ## Part 1: Understanding USDC Wallets ### What is a USDC Wallet? USDC Wallets are pivotal in the cryptocurrency landscape, especially in decentralized finance (DeFi). They are digital platforms that support US Dollar Coin (USDC), a stablecoin pegged to the USD, ensuring 1 USDC approximately equals 1 USD. These wallets provide a stable alternative in the volatile crypto world and are essential for transactions across diverse blockchain networks like Ethereum, Polygon, and others. They appeal particularly to those preferring stability in digital asset valuation, reducing the risks associated with typical cryptocurrency fluctuations. USDC wallets thereby allow for transactions in digital currency while maintaining a stable value, ideal for both individual and business use. ### Top USDC Wallets Reviewed Selecting a USDC wallet involves considering features, security, and ease of use. Here are some top choices: 1. **Phantom**: Known for Solana integration, Phantom also supports Ethereum and others. It's a secure choice for USDC, offering easy transactions ([Release Your Digital Talent](https://releaseyourdigitaltalent.com/best-usdc-wallets/)). 2. **Ledger**: A hardware wallet, Ledger provides enhanced security for your USDC. Compatible with various blockchains, it's perfect for those desiring physical control of their digital assets ([IsItCrypto](https://isitcrypto.com/add-usdc-to-metamask/)). 3. **Exodus**: Ideal for beginners due to its user-friendly interface, Exodus supports numerous cryptocurrencies including USDC, with easy integration across devices ([Exodus](https://www.exodus.com/usd-coin-usdc-wallet)). 4. **Coinbase**: A key player in crypto exchanges, Coinbase's wallet service is great for holding USDC, but we suggest using a service like Spritz Finance rather than Coinbase to on-and-off ramp USDC. ([Coinbase Help](https://help.coinbase.com/en/wallet/managing-account/usdc-coinbase-wallet)). 5. **MetaMask**: A popular wallet in the Ethereum ecosystem, MetaMask supports USDC and is known for its ease of use and integration with various Ethereum-based applications and services. Spritz Finance enhances USDC's utility by enabling direct transfers to bank accounts and bill payments. This feature links USDC with traditional finance systems, making it practical for everyday use. ([Spritz Finance](/)). ### Connecting Spritz Finance with Your USDC Wallet Integrating your USDC wallet with Spritz Finance is a revolutionary step towards blending the realms of cryptocurrency and traditional banking. This integration not only facilitates the direct off-ramping of USDC to major currencies like USD, CAD, GBP, or Euros but also caters to a variety of bank accounts across different regions, including the US and Canada. Here’s a detailed guide on how to connect your USDC wallet with Spritz Finance and enjoy frictionless financial transactions. ### Off-Ramping USDC to Your Bank Account To start off-ramping USDC, navigate to the "Off-ramp" section in the Spritz app. The user-friendly interface makes it effortless to link your bank account to your crypto wallet. For Euro and GBP accounts, specific bank details such as account number, sort code, or IBAN are required, followed by a simple email verification process. The setup for USD or CAD bank accounts is equally streamlined. Users need to input their account and routing number, choose the account type (Checking, Savings, Business), and confirm the details. Spritz’s robust verification process, which includes a space check for accurate data entry, ensures a secure and efficient connection. ### Rapid and Secure Transactions In the realm of financial transactions, security and swiftness are key. Spritz Finance addresses this by enabling users to connect their wallet and sign the transaction for off-ramping USDC. This step is crucial for ensuring security and aligning with your specific financial goals. For those needing faster transactions, the "Rapid Pay" option offers the transfer of funds to your account in under an hour, provided it is supported by your bank. ## Part 2: USDC Across Various Networks ### USDC on Different Blockchains: Ethereum, Solana, and More USD Coin (USDC) stands as a formidable stablecoin in the crypto world, seamlessly bridging the gap between traditional finance and the burgeoning realm of digital assets. Its unparalleled stability and reliability have catapulted it to widespread acceptance across a myriad of blockchains. ### Ethereum: The Foundation Stone On the Ethereum blockchain, USDC thrives as a native ERC-20 token, offering users the benefits of Ethereum's robust security and smart contract capabilities. This integration allows seamless transactions and smart contract operations, crucial for DeFi activities. Spritz Finance leverages this integration, facilitating straightforward off-ramping of USDC to your bank account. ### Solana: Speed and Efficiency [Solana](https://solana.com/)'s incorporation of USDC redefines efficiency, offering rapid transaction speeds and reduced costs, making it an attractive option for traders and DeFi enthusiasts. This synergy enhances user experience significantly. ### Polygon, Arbitrum, and Optimism: Layer 2 Scalability [Polygon](https://polygon.technology/), [Arbitrum](https://arbitrum.io/), and [Optimism](https://www.optimism.io/), as Layer 2 solutions, address Ethereum's scalability concerns. USDC’s presence on these networks means faster, cheaper transactions while still benefiting from Ethereum's security. Spritz's features like the Spritz [Address Book](https://help.spritz.finance/en/articles/8534389-how-to-use-the-spritz-address-book) capitalize on these advantages, simplifying transactions across networks. ### Avalanche and Base: Expanding Horizons Avalanche and [Base](https://www.base.org/) broaden USDC’s reach, offering distinct advantages like sub-second finality and eco-friendly operations. Their embrace of USDC speaks to the stablecoin's versatility and industry trust. ### Spritz Finance: Bridging Crypto and Traditional Banking Spritz Finance adds remarkable value to these blockchain networks by simplifying the conversion of USDC to fiat currencies. It supports a seamless off-ramping process from USDC to USD, directly transferring funds to a user’s bank account. Users can easily connect their crypto wallets and bank accounts to Spritz, allowing for efficient transactions across networks like Ethereum, Polygon, and Avalanche. ## FAQs When diving into the world of USDC wallets and network options, Spritz Finance offers an array of services tailored to these needs. **What is USDC and How Does Spritz Finance Support It?** USDC, a stablecoin pegged to the US dollar, presents a reliable option for crypto transactions. Spritz Finance enhances this experience by allowing for seamless integration with various blockchain networks. With support for Ethereum, Polygon, Avalanche, Arbitrum, and Optimism, users can effortlessly transfer USDC across these platforms. This integration not only offers flexibility but also aligns with the growing trend of multi-chain compatibility in the DeFi space. Spritz's service makes it easy to off-ramp your crypto into USD, simplifying the process of transferring digital assets into real-world value (source: [Spritz Finance Blog](/blog)). **How to Choose the Best Network for USDC Transactions?** Selecting the right network for USDC transactions is crucial. Each network offers unique benefits - Ethereum is known for its robust ecosystem, while Polygon and BNB Chain boast speed and low transaction costs. Avalanche, Arbitrum, and Optimism also offer distinct advantages, such as quick confirmations and reduced fees. Spritz supports these networks, ensuring that users can choose based on their specific needs, be it speed, cost, or ecosystem support ([source](/blog)). **Can I Pay Bills with USDC Using Spritz?** Absolutely! Spritz revolutionizes bill payments by enabling users to pay with cryptocurrencies like USDC. Whether it's utility bills, credit card payments, or subscriptions, Spritz allows for direct bill payments from your crypto wallet, bringing real-world utility to your digital assets. The platform supports various networks, including Ethereum, BNB Chain, Avalanche, Optimism, Arbitrum, and Polygon, providing users with the flexibility to choose their preferred network for transactions ([source](/blog)). **How Secure and Convenient is Spritz for USDC Transactions?** Spritz prioritizes security and convenience. By offering a user-friendly interface and secure connections to major crypto wallets like MetaMask and Coinbase Wallet, Spritz ensures a safe and efficient transaction process. The platform's security measures, coupled with the ease of conducting transactions directly from your wallet, make Spritz an excellent choice for managing USDC and other cryptocurrencies ([source](/blog)). ## Conclusion In summary, Spritz Finance stands out as a versatile platform for USDC wallet users, offering seamless integration with various blockchain networks like Ethereum, Polygon, Avalanche, Arbitrum, and Optimism. Its capability to enable direct bill payments using USDC, along with the support for major crypto wallets, positions Spritz as a formidable player in the realm of digital finance. This synergy between traditional financial reliability and innovative Web3 technology underscores Spritz's commitment to providing a comprehensive and user-friendly experience for managing digital assets. Incorporating these functionalities, Spritz not only addresses the needs of USDC wallet users but also sets a new standard in the digital finance sector, making it an ideal choice for those seeking efficiency, flexibility, and security in their financial transactions. --- # Crypto 30x: The Strategic Guide to Taking Profits > Learn what a "Crypto 30x" is, and how to identify and capitalize on high-growth crypto opportunities. You'll also learn how to efficiently convert profits to… _2024-03-14 · Chris Sheehan_ ## Part 1: Understanding and Capitalizing on a Crypto 30x ### 1\. What is “Crypto 30x”? The term 'Crypto 30x' refers to a cryptocurrency's potential to grow thirtyfold in value. This concept symbolizes the allure of the crypto market's high growth potential, balanced by the risks inherent in such volatile investments. Understanding 'Crypto 30x' is about recognizing the balance between the promise of significant gains and the possibility of losses. Markets like crypto are attractive due to their rapid growth capacity, but navigating them requires a nuanced understanding of both technological advancements and market trends. For those interested in the technical aspects of crypto transactions, exploring various platforms' methods, such as the integration of digital currencies with traditional finance, can be insightful. An example of this integration is seen in platforms that simplify crypto transactions, making them more accessible to everyday users. ### 2\. Identifying Opportunities for a Crypto to 30x Identifying a potential 'Crypto 30x' requires strategic insight and an understanding of the market. Key strategies include: - **Market Analysis:** Staying up-to-date with market trends and analyses is vital. Regularly monitoring crypto news sources can provide valuable insights into potential growth opportunities. - **Technology Trends:** Understanding emerging blockchain technologies and their applications can highlight new, potentially lucrative projects. - **Community Engagement:** Participating in crypto forums and discussions can offer early signals of promising cryptocurrencies. - **Project Evaluation:** Assessing the fundamentals of crypto projects, such as their development team, technology, market position, and roadmap, can indicate their growth potential. It's essential to research and understand the value proposition of new networks and their native tokens. ### 3\. Maximizing Returns from Crypto 30x Investments Maximizing returns in the crypto market hinges on strategic planning and risk management. Key considerations include: - **Profit-Taking Strategy:** Understanding the market cycles and setting profit-taking targets can help in capitalizing on market peaks. - **Diversification:** Investing across various cryptocurrencies and blockchain projects can spread risk. - **Utilization Tools:** Using tools that facilitate efficient management and utilization of crypto assets, like crypto-based cards for real-world transactions, can help in liquidating assets at opportune moments. Integrating cryptocurrencies into everyday financial management through user-friendly platforms can be an effective strategy in managing and leveraging crypto assets. This integration allows for a practical approach to crypto investments, merging the innovative world of cryptocurrencies with traditional financial utility. ### 4\. Market Tools and Resources for Crypto 30x Navigating the high-stakes world of crypto investment requires sharp tools and up-to-date information. Let's explore the essential arsenal for any savvy crypto investor aiming for that coveted "30x" return. Staying informed about the latest trends and news in the crypto market is not just beneficial; it's essential. Websites like [CoinMarketCap](https://coinmarketcap.com/) and [CryptoPanic](https://cryptopanic.com/) are invaluable for real-time market data and news aggregation. Additionally, using analytical tools like [TradingView](https://www.tradingview.com/) can provide insights into market trends and potential investment opportunities. ### 5\. FAQ on Crypto 30x and Converting Crypto to Cash **Q1: What does 30x mean in crypto?** In the crypto world, "30x" refers to an investment's potential to increase thirtyfold in value. It's a term often associated with high-return, albeit high-risk, opportunities in the volatile crypto market. **Q2: How can I stay updated on crypto 30x news?** For the latest updates on potential 30x opportunities in the crypto space, regularly check websites like [CryptoSlate](https://cryptoslate.com/) and subscribe to newsletters from top crypto analysis platforms. **Q3: What's the cheapest way to convert crypto to cash?** Spritz offers an efficient way to off-ramp crypto to [your bank account](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz), bypassing the extra steps and fees often encountered with centralized exchanges. Additionally, platforms like [Coinbase](https://www.coinbase.com/) and [Gemini](https://www.gemini.com/) also provide conversion services, though their fee structures may differ and require additional fees in the form of gas fees to transfer your crypto to the exchange. Spritz also takes any token across EVM networks for its SpritzCard (supported for users in 29 countries around the globe). They also support any token across EVM blockchains like Base, Arbitrum, BNB Chain and more for bank transfers in the US and Canada, and bill pay in the US. **Q4: How do I convert crypto to cash using Spritz?** Spritz simplifies the conversion process. Connect your [crypto wallet to Spritz](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz), link your bank account, choose the crypto asset, and confirm the transaction. You also don't need to connect your wallet to off-ramp through [Spritz's Address Book](https://app.spritz.finance/payment-addresses), which allows you to generate a permanent address for your bank account. **Q5: Can I pay bills directly with crypto?** Yes, with Spritz, you can pay various bills directly using crypto, including credit cards, utilities, and even your mortgage, without needing to convert to fiat first. This service streamlines the use of crypto in everyday transactions, making it a practical choice for crypto fans. ## Part 2: Profiting and Off-Ramping with Spritz ### 1\. **Transition to Off-Ramping: Realizing Profits with Spritz** Capturing the essence of 'Crypto 30x' transcends mere acquisition of high-growth crypto assets. It's about strategically maneuvering these assets from the digital sphere into tangible financial gains. Spritz has revolutionized this process, morphing the complex choreography of asset liquidation into a sleek, seamless performance. Picture this: you've ridden the crypto wave, nailed the timing, and your digital assets have burgeoned. Now, it's time to translate these digital triumphs into real-world currency. Traditional off-ramping is a maze of swaps, transfers, and, frankly, patience-testing procedures. Spritz, however, streamlines this with its intuitive Off-ramp feature. Effortlessly convert your crypto on platforms like Ethereum, Base, Arbitrum, Polygon, BNB Chain, and more to USD in your bank account, all in a single, swift transaction. ### 2\. **Off-Ramping with Spritz: A Cost-Effective Approach** The beauty of Spritz lies in its ability to offer a holistic, cost-effective solution for converting crypto to cash. Say goodbye to the jigsaw puzzle of dealing with multiple platforms, each chipping away at your profits with fees and delays. **A. Ease of Use:** Initiating the off-ramp process in Spritz is a breeze. Simply hop onto the app, [link your bank account](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz), and choose the crypto you wish to convert. It supports a diverse range of tokens across various blockchains like Ethereum, BNB Chain, Avalanche, and more, ensuring a broad compatibility spectrum. **B. Direct Conversion:** Spritz eliminates the need for the cumbersome process of sending your crypto to a centralized exchange. Directly convert your chosen cryptocurrency into USD and witness it reflecting in your bank account, saving valuable time and reducing the complexity significantly. **C. Cost Efficiency:** Cost-effectiveness is a cornerstone of Spritz’s off-ramping process. The platform enables you to bypass the hefty fees typically associated with centralized exchanges and banks. This direct approach not only saves money by avoiding gas fees just to get your crypto to an exchange, but also simplifies the conversion process, ensuring you retain a larger portion of your hard-earned crypto profits. **D. Real-World Application:** Spritz is not just about converting crypto into cash. It's a bridge between your digital earnings and everyday expenses. Whether it's paying off a credit card with your crypto earnings or managing monthly household expenses, Spritz's off-ramp feature facilitates real-world applications of your digital assets. **E. Keeping Crypto Working:** The platform empowers you to maintain the bulk of your digital assets in lucrative DeFi activities while effortlessly accessing the necessary funds for real-world uses. This balance ensures that your crypto continues to work for you, even as you leverage it for immediate financial needs. In the dynamic world of cryptocurrency, Spritz emerges as a beacon of practicality, melding the digital with the tangible in a user-centric, cost-effective manner. Dive deeper into the seamless experience Spritz offers by exploring their comprehensive [off-ramping guide](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz). --- # Exploring the Best Moonpay Alternatives > Discover why Spritz Finance emerges as the top Moonpay alternative in our guide. Learn how Spritz enhances the crypto payment experience with its global… _2024-03-14 · Chris Sheehan_ ## Part 1: Exploring Moonpay Alternatives ## Introduction to Moonpay Alternatives Moonpay has established itself as a prominent player in the crypto payment space, known for its convenience in buying cryptocurrency and its wide crypto selection. It shines in areas like user-friendly web interfaces, business tools for crypto companies, and support for around 40 cryptocurrencies. However, its high minimum fees and limitations like only card payments in the U.S., along with the lack of crypto-to-crypto trading, might lead users to seek alternatives. Moonpay's reach extends to over 160 countries, but its minimum trade requirement is $30, which is higher than many competitors (including Spritz Finance) who often offer lower minimums. One might seek Moonpay alternatives for a variety of reasons. Its high fees can be a deterrent, especially when compared to other platforms that offer lower fees or more flexible payment options. Furthermore, regional restrictions on certain cryptocurrencies might limit user choices when using Moonpay. In exploring alternatives, it's crucial to consider platforms that not only offer competitive fees and a broad range of cryptocurrencies but also prioritize user experience, security, and additional features like easy integration for businesses. This is where Spritz Finance emerges as a noteworthy option. Spritz Finance, as a Moonpay alternative, aims to bridge the gap between traditional finance reliability and web3 innovation. ## Overview of Spritz Finance Spritz Finance is positioned at the forefront of the crypto payment landscape, focusing on blending the dependability of traditional finance with the novel possibilities of web3 technology. Key features that distinguish Spritz Finance include SMARTPay and SpritzCard. SMARTPay is an innovative solution designed to facilitate rapid and secure transactions, catering to the needs of a modern user base seeking efficiency and reliability in their financial dealings. The SpritzCard, meanwhile, represents a significant leap forward in payment technology, providing a seamless and integrated experience for users navigating between traditional and digital currencies. Spritz Finance's commitment to innovation is evident in its expansion to new markets, now serving more than 30 countries, signifying its growing influence and the trust users place in its services. This expansion not only extends Spritz Finance's reach but also exemplifies its adaptability and responsiveness to the evolving needs of the global financial community. By prioritizing user experience and security, Spritz Finance demonstrates a clear understanding of what modern consumers expect from a crypto payment service. ## User Experiences and Reviews of Spritz The user experience with Spritz Finance is characterized by a blend of speed, security, and convenience, as reflected in the positive customer testimonials. These testimonials, gathered from various sources, consistently highlight Spritz Finance's rapid processing times and its commitment to maintaining a secure transaction environment. The convenience offered by Spritz Finance, through features like SMARTPay and SpritzCard, is frequently cited as a significant factor in the positive reviews. Users appreciate the intuitive nature of Spritz Finance's platform, which allows for smooth and hassle-free transactions. The reliability of the service, backed by robust security measures, instills confidence in users, encouraging them to engage more frequently and with greater peace of mind. The overall sentiment from these reviews paints a picture of a crypto payment service that not only meets but exceeds user expectations in key areas. For detailed customer reviews and experiences with Spritz Finance, exploring [Trustpilot reviews](https://www.trustpilot.com/review/spritz.finance) can provide a more comprehensive understanding of what users think about their services. ## **Part 2: Deep Dive into Spritz Finance as a Superior Moonpay Alternative** ## Detailed Features Comparison Spritz Finance, distinct from Moonpay, shines in its variety and application. It supports a wide range of blockchain networks, including Bitcoin, Dash, Polygon, Ethereum, Optimism, Avalanche, TRON, Arbitrum, Base, BNB Chain, and Celo, offering diverse options for crypto transactions (Spritz Finance, [Blockchain Networks](https://help.spritz.finance/en/articles/9147211-tokens-blockchains)). This robust network support translates into more opportunities for users, especially those seeking versatility in their crypto activities. **Fees and Transaction Speeds:** Spritz's SMARTPay feature allows for gasless transactions in recurring bill payments, an innovative solution that sets it apart from Moonpay. This feature means less cost and more convenience for users (Spritz Finance, [SMARTPay feature](/blog/introducing-smartpay-recurring-crypto-bill-payments)). **Unique Offerings:** The SpritzCard and SMARTPay are significant differentiators. The SpritzCard is a notable innovation, acting as a bridge between digital and traditional finance, allowing users to spend their crypto at millions of merchants worldwide (Spritz Finance, [SpritzCard and Canadian Expansion](/blog/spritz-canada-crypto-off-ramp)). ## Spritz’s Global Reach and Future Plans Spritz’s expansion into regions like Australia, Brazil, Canada, the European Union, Great Britain, UAE, and more exemplifies its dedication to providing global crypto payment solutions. The company continues to innovate, working towards making cryptocurrency more practical and accessible worldwide. ## Why Spritz Stands Out Among Alternatives Spritz's user-focused approach, wide network support, and innovative features like the SpritzCard and SMARTPay demonstrate its edge over Moonpay and other competitors. It's not just an alternative; it's a comprehensive solution enhancing the everyday utility of cryptocurrencies. ## FAQs About Using Spritz and Other Alternatives Here, we address some common queries: **Q: How many blockchain networks does Spritz support?** A: Spritz currently supports a range of networks including Bitcoin, Dash, Polygon, Ethereum, Optimism, Avalanche, TRON, Arbitrum, Base, BNB Chain, and Celo, catering to various user needs (Spritz Finance, [Blockchain Networks](https://help.spritz.finance/en/articles/9147211-tokens-blockchains)). **Q: What makes Spritz's SMARTPay feature unique?** A: SMARTPay allows for gasless transactions in recurring bill payments, providing users with a cost-effective and convenient payment option (Spritz Finance, [SMARTPay feature](/blog/introducing-smartpay-recurring-crypto-bill-payments)). **Q: Can I use Spritz in my country?** A: Spritz supports numerous countries across various continents. The specific services available depend on your location, including on and off-ramp options (Spritz Finance, [Supported Countries](https://help.spritz.finance/en/articles/6158352-supported-countries-payment-methods)). [Learn more about Spritz's unique offerings and global reach](/blog/introducing-smartpay-recurring-crypto-bill-payments) and [compare it with Moonpay](https://www.moonpay.com/) and other platforms. --- # How Many Solana Holders Are There? > Discover the number of Solana (SOL) holders, explore the distribution of ownership, and dive deep into the tokenomics and key holders influencing the Solana… _2024-03-14 · Chris Sheehan_ ## Key Takeaways - There are currently 9,154,449 wallets that hold Solana (SOL), according to [capital.com](https://capital.com/how-many-solana-tokens-are-there-sol-token-circulation). - The ownership is highly fragmented, with no single wallet owning a dominant share of the total supply. - Notably, the top 100 holders control approximately 32% of Solana's total supply, indicating a relatively decentralized distribution. ## Solana at a Glance Founded by Anatoly Yakovenko, Solana is a high-performance blockchain designed for decentralized applications and crypto-currencies. It stands out for its unique consensus mechanism, [Proof of History](https://solana.com/news/proof-of-history) (PoH), combined with the Proof of Stake (PoS) model, facilitating rapid transaction processing. With a market capitalization that places it among the top cryptocurrencies, Solana has attracted significant attention from investors and developers alike, drawn by its scalability and efficiency. ## The Solana Community - Holder Statistics The distribution of Solana holders offers a window into the network's decentralization. With over 9 million wallets, the dispersion of SOL tokens across a wide user base enhances the blockchain's security and resilience against attacks. This fragmented ownership pattern underlines the community's trust in Solana's technology and its potential for widespread adoption. Moreover, the distribution speaks to the inclusivity and accessibility of the Solana network, inviting participation from a broad spectrum of investors. ## Who are the Biggest Solana Holders? While Solana's ownership is widely distributed, a closer examination reveals that the top 10 wallets hold a [significant portion](https://www.coincarp.com/currencies/solana/richlist/) of the supply. This concentration can have both positive and negative implications for the network. On one hand, these key holders can provide stability and confidence in the network's longevity. On the other, it raises questions about influence and control, making the actions of these major holders a focal point for the community and potential investors. ## Solana’s Circulation and Tokenomics The total supply of SOL tokens and their circulation are crucial elements of Solana's economic model. The network's design includes an [uncapped supply mechanism](https://explorer.solana.com/supply) to incentivize participation and secure the network. Understanding Solana's tokenomics, including its inflation rate and how it impacts holder rewards, is essential for investors. This insight into Solana's economic structure helps delineate the balance between supply and demand, influencing the network's valuation and sustainability. ## FAQs - **How does the loss of coins affect Solana holders?** Lost coins decrease the circulating supply, potentially increasing the value of remaining coins if demand remains constant. - **What is the daily mining rate of SOL?** Solana's unique consensus mechanism does not involve traditional mining; instead, it relies on staking for network security and transaction validation. - **Who are the major owners of SOL?** While specific identities are often private, the major owners include a mix of individual investors, institutional holders, and the Solana Foundation. ## Conclusion Understanding the distribution of Solana holders is critical for grasping the network's health and prospects. With a decentralized and widely dispersed ownership, Solana demonstrates a strong foundation for growth and stability. As the ecosystem evolves, the dynamics of Solana's holder distribution will continue to play a pivotal role in shaping its future in the competitive crypto market. --- # Ultimate Guide to Crypto Bank Accounts: Buy & Sell Crypto Fast & Easy > Learn to manage crypto easily and quickly with our guide on crypto bank accounts. Master seamless buying/selling, enjoy low fees, and secure transactions with… _2024-03-09 · Chris Sheehan_ ## Part 1: Introduction to Crypto Bank Accounts In today's rapidly evolving financial landscape, crypto bank accounts are becoming a cornerstone, bridging the gap between traditional banking systems and the innovative world of digital currencies. These accounts not only offer the convenience of converting cryptocurrencies to fiat currencies but also support the dynamic needs of blockchain and fintech companies. Furthermore, they facilitate seamless transactions by integrating with various crypto exchanges and wallets, thus marrying the efficiency of digital currencies with the reliability of traditional banking. ### A Leap Forward The emergence of crypto bank accounts represents a significant leap forward in the financial sector, providing a unified solution for managing both digital and traditional currencies. By leveraging these accounts, users gain access to swift, secure crypto transactions while retaining the functionalities of conventional banking, thus enjoying the best of both worlds. Spritz Finance amplifies this convenience by offering a straightforward pathway for converting cryptocurrencies to USD, thereby eliminating the complexities often associated with digital asset conversion ([Spritz Finance](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz)). ### Key Takeaways - **Convenience at Your Fingertips:** The process of converting cryptocurrencies to fiat currency is greatly simplified with crypto bank accounts, facilitating easy access to funds for everyday transactions, investments, and financial planning. For example, Juno offers direct deposit, FDIC insurance, and up to 2.15% APY on balances, positioning itself as a prime onramp for crypto ([Juno Finance](https://juno.finance/)). - **Support for Innovation:** Crypto bank accounts are designed to meet the needs of the blockchain and fintech sectors, providing essential tools and features for the digital age. Banks like Ally and Revolut are noted for their crypto-friendly services, allowing customers to engage with cryptocurrencies through traditional banking platforms ([CreditDonkey](https://www.creditdonkey.com/crypto-friendly-banks.html), [Koinly](https://koinly.io/blog/best-crypto-friendly-banks/)). - **Seamless Transactions:** The integration of crypto bank accounts with various crypto exchanges and wallets ensures effortless management of finances across platforms, enabling a fluid transition between digital and traditional assets. This interoperability is crucial for leveraging cryptocurrencies for real-world applications, enhancing their utility beyond mere investment vehicles. ## **Part 2: Transforming Your Crypto into Usable Funds with Spritz Finance** Navigating the maze of the digital economy can be daunting, especially when trying to convert your digital assets into spendable funds. With Spritz Finance, this journey is significantly simplified. Let's dive into the mechanisms Spritz Finance offers for transferring cryptocurrencies from platforms like [Crypto.com](http://crypto.com/) and [MetaMask](https://metamask.io/) to your bank account and the innovative solutions for real-world payments. ### **Transferring Crypto from** [**Crypto.com**](http://crypto.com/) **to a Bank Account** The traditional pathway of converting cryptocurrency into fiat currency is fraught with hurdles, typically requiring navigation through various exchanges, each incurring its own set of fees. Spritz Finance offers a streamlined alternative, allowing for direct off-ramping of cryptocurrencies to USD via a simple transfer of crypto using our Address Book feature. This not only saves time but also reduces gas fee costs in transferring to an exchange, then off-ramping. To learn more about the Address Book, and how it can be used when a crypto exchange isn't willing or able to off-ramp into a USD bank account, check out this article from the [Spritz Finance Help Center](https://help.spritz.finance/en/articles/8534389-how-to-use-the-spritz-address-book). For an overview of crypto banking, which delves into managing cryptocurrencies similarly to traditional fiat currencies, NerdWallet offers comprehensive insights at [Crypto Banking: How to Bank Your Digital Coin](https://www.nerdwallet.com/article/banking/what-is-crypto-banking). ### **Transferring Crypto from MetaMask to a Bank Account** For MetaMask users, Spritz Finance streamlines the process of transferring crypto assets directly to bank accounts, circumventing the need for intermediate exchanges. This direct approach simplifies the crypto-to-cash conversion. For more information on how to off-ramp directly to your bank from a Web3 wallet like MetaMask, [click here to learn how it can be done](https://help.spritz.finance/en/articles/6706489-how-to-off-ramp-crypto-to-your-bank-account-using-spritz) with Spritz. Market Realist provides an extensive look at the various methodologies for transferring cryptocurrencies to your bank account, highlighting the straightforwardness of the process depending on your digital asset storage solution at [There Are Many Ways to Transfer Crypto to Your Bank Account — Here's How](https://marketrealist.com/p/transfer-crypto-to-bank-account/). ### **Using Crypto for Real-World Payments** The advent of the SpritzCard marks a significant leap towards the integration of cryptocurrencies into everyday transactions. This digital-first prepaid Visa debit card allows users to spend their cryptocurrency with the ease of a Visa card, bridging the gap between digital currencies and traditional financial systems. [Swapin](https://www.swapin.com/) facilitates transfers between crypto and bank accounts, offering an ecosystem of crypto-friendly payment solutions. Spritz Finance is revolutionizing the way we manage and spend our digital assets. By offering efficient solutions for off-ramping cryptocurrencies and introducing innovative payment methods like the SpritzCard, Spritz Finance is paving the way for the broader adoption of digital currencies in the financial ecosystem. For more insights and to become part of the Spritz community, explore our [official blog](/blog) and [help center](https://help.spritz.finance/). ## Part 3: Buying Crypto with a Bank Account Through Spritz Finance ### The Convenience of Buying Crypto Instantly Buying cryptocurrency has never been more accessible and efficient, thanks to Spritz Finance. Spritz is revolutionizing the way individuals purchase crypto by directly linking their bank accounts for a seamless transaction experience. Unlike the traditional, more time-consuming methods that involve multiple steps and platforms, Spritz provides an integrated solution where users can instantly buy crypto using their bank accounts. This method not only saves time but also significantly reduces transaction fees, making it an attractive option for both beginners and seasoned crypto enthusiasts. Spritz's on-ramp is available in 30 countries and counting, with the above showcasing the US & Canadian version. With Spritz, you're not just buying crypto; you're stepping into the future of finance where convenience meets innovation. For more details on how to get started with Spritz and enjoy these benefits, check out their guide on [how to use the Spritz on-ramp here](https://help.spritz.finance/en/collections/6739019-on-ramp). ### Support for Multiple Blockchain Networks Spritz Finance stands out by supporting a wide array of blockchain networks, thus catering to a diverse crypto community. Users are not limited to one or two blockchains but have the flexibility to interact with several, including Ethereum, Polygon, Avalanche, Arbitrum, Optimism, and BNB Chain. This extensive support ensures that you can transact with your preferred tokens on your favorite networks without hassle. Whether you're dealing with stablecoins like USDC and USDT or exploring other tokens across these networks, Spritz makes it possible. Dive deeper into Spritz's supported networks and how we’re integrating them into our services by visiting our help center article on [how Spritz works](https://help.spritz.finance/en/articles/6089375-how-does-spritz-work). ## Part 4: Simplifying Crypto Transactions: The Spritz Advantage Spritz revolutionizes the process of converting cryptocurrency to USD, offering a seamless transfer to your bank account unlike any other platform. This approach saves on time and fees and simplifies the experience by eliminating the need for multiple swaps and exchanges. Learn more at [Spritz Finance Blog](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) ### Customer Testimonials and Reviews Customers praise Spritz for its convenience, with one user, Alan, stating, "One \[stop\] shop using crypto to pay your bills. Connect your bank off-ramp crypto to your bank account. Overall all around great company would definitely recommend." This highlights Spritz's user satisfaction and efficiency. More reviews can be found at [Trustpilot's Spritz Finance page](https://www.trustpilot.com/review/spritz.finance). ### Comparative Analysis: Spritz vs. Traditional Exchanges Spritz offers benefits over traditional exchanges by streamlining the transfer of cryptocurrencies to bank accounts, supporting a wide array of currencies and networks. This flexibility gives users unprecedented freedom in managing their crypto assets, making it a preferred choice for digital asset conversion to fiat currency. Detailed comparison and insights are available on [Spritz's guide to off-ramping](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) For an external perspective on the benefits of integrating cryptocurrency with traditional banking systems, consider this insightful [article by Forbes](https://www.forbes.com/sites/lawrencewintermeyer/2023/07/06/big-financial-institutions-are-adopting-crypto-and-blockchain---what-does-the-technology-offer-smbs/?sh=50f50b4d7e7d). ### FAQs: Everything You Need to Know About Using Spritz Finance Spritz Finance simplifies the transition from crypto to fiat, offering a seamless process for off-ramping your cryptocurrency directly to your USD bank account. Here's everything you need to know about how Spritz works, the tokens and networks it supports, its fee structure, and how it secures transactions. - **How does Spritz work?** Spritz Finance enables users to effortlessly convert their cryptocurrency to USD and send it to their bank account in a single transaction, bypassing the need for multiple exchanges and fees. With support for a broad range of cryptocurrencies across major blockchains such as Ethereum, Polygon, and BNB Chain, Spritz offers a streamlined process for connecting your crypto with real-world finances [Spritz Finance Blog](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) and [How to Pay with Crypto Easily](/blog/how-to-pay-with-crypto-guide). - **Which tokens and blockchain networks does Spritz support?** Spritz supports an extensive array of tokens and networks, including but not limited to Ethereum, BNB Chain, Avalanche, Arbitrum, Polygon, and Optimism. This wide range of support ensures users have the flexibility to off-ramp various cryptocurrencies including ETH, BNB, MATIC, USDC, and more.**‍** - **Does Spritz charge any fees for its services?** Spritz introduces a tiered pricing system for its services, adjusting fees based on your monthly transaction volume. This innovative approach ensures that both small and large-scale transactions are accommodated in a cost-effective manner, offering flexibility and affordability to users across the globe. [Spritz Fees Explained](https://help.spritz.finance/en/collections/8081453-fees). - **How does Spritz ensure the security of transactions?** Security and compliance are paramount at Spritz, with the platform implementing robust security measures and adhering to strict financial regulations. This commitment ensures the safety of your assets and the legality of every transaction, providing peace of mind for users. ## Why Spritz Finance is Your Go-To Crypto Bank Account Solution Spritz Finance stands out as the ultimate solution for managing your crypto transactions with unmatched ease, efficiency, and security. By offering a straightforward platform for converting your crypto to fiat, supporting a vast range of cryptocurrencies and networks, and ensuring every transaction is secure, Spritz makes it easier than ever to integrate your digital assets into your everyday financial life. Whether you're paying bills, off-ramping your crypto, or simply managing your finances, Spritz Finance provides a reliable and user-friendly platform that bridges the gap between crypto and real-world financial needs [2024 Guide: How to Pay with Crypto Easily](/blog/how-to-pay-with-crypto-guide) and [How to Pay Bills with Crypto Using Spritz](/blog/pay-bills-crypto). For more information on how to seamlessly manage your crypto finances, visit [Spritz Finance's Blog](/blog) and the [Help Center](https://help.spritz.finance/en/). --- # The Best Coinbase Alternatives: A Comprehensive Guide > Explore the best Coinbase alternatives in our detailed guide. Compare KuCoin, Binance, Kraken for low fees, advanced trading features, and seamless crypto… _2024-03-01 · Chris Sheehan_ ## Key Takeaways - **Competitive Fees:** Alternatives to Coinbase often offer more attractive fee structures. For example, Spritz introduces a tiered pricing system for its crypto offramp services, making transactions more affordable for both low and high-volume users. - **Advanced Security:** Security is a top priority for alternatives like Spritz, which implements state-of-the-art security measures and adheres strictly to financial regulations, ensuring the safety of user assets and transactions. - **Variety of Cryptocurrencies:** Many Coinbase alternatives support a wider range of cryptocurrencies. KuCoin, for instance, supports 833 cryptocurrencies, while Coinbase offers 248. - **User-Friendly Experience:** Ease of use is crucial, and platforms like [Spritz Finance](/) offer multiple convenient ways to off-ramp crypto directly from your decentralized wallet, saving the additional time lost transferring to an exchange. ## **Part 1: Exploring Coinbase Alternatives and Their Advantages** Coinbase has cemented itself as a cornerstone in the cryptocurrency exchange realm, renowned for its user-friendly approach and robust security. However, the dynamic and diverse needs of the crypto community often lead users to explore alternatives. This pursuit stems from various factors, each highlighting why platforms like KuCoin, Kraken, and others like Spritz Finance are gaining attention. One of the primary reasons users seek Coinbase alternatives is due to its fee structure. While Coinbase is known for its ease of use, the platform's fees can be comparatively higher, especially for frequent trading and small-scale transactions. This aspect often propels users towards other exchanges where the cost of trading and transacting is more favorable. Another consideration is the range of cryptocurrencies available. Coinbase offers a substantial variety, but it doesn't encompass the entire spectrum of emerging and niche cryptocurrencies. Exchanges like KuCoin step in to fill this gap, providing access to a wider array of digital assets, which is particularly appealing to users looking to diversify beyond the more mainstream cryptocurrencies. KuCoin is celebrated for its extensive selection, catering to enthusiasts keen on exploring newer or less-known tokens. Kraken distinguishes itself with a strong emphasis on security and regulatory adherence, attracting users who prioritize these aspects in their trading experience. While discussing alternatives, it's worth mentioning platforms like Spritz Finance, which, although not a direct competitor in the exchange space, offer complementary services. Spritz Finance specializes in the practical use of cryptocurrencies, like its off-ramp feature that allows users to pay for bills or fill a Visa card with crypto, reflecting the evolving needs of crypto users. For a closer look at these Coinbase alternatives, stay tuned for detailed breakdowns in the upcoming sections. ## Part 2: Top Coinbase Alternatives ### KuCoin – A Versatile Platform with Low Fees When discussing Coinbase alternatives, [KuCoin](https://www.kucoin.com/) emerges as a strong contender. Renowned for its low fees, KuCoin makes trading more accessible and cost-effective, a critical aspect for users who are conscious of transaction costs. The platform supports a myriad of cryptocurrencies, offering an expansive trading experience beyond what some competitors, including Coinbase, provide. The user interface of KuCoin is designed to cater to both novices and experts, with advanced trading features such as futures and margin trading for seasoned traders. Security is a top priority, ensuring users' assets are safeguarded, a vital factor in the cryptocurrency world. Given its comprehensive cryptocurrency support and low fees, KuCoin positions itself as a compelling Coinbase alternative for users seeking a more versatile and economical trading platform. ### Kraken – High Security and Spending Limits [Kraken](https://www.kraken.com/) is renowned for its robust security features and high spending limits, making it a standout choice among Coinbase alternatives. This platform has established a reputation for prioritizing user security, employing state-of-the-art encryption and two-factor authentication. Its security protocols are designed to shield users from potential cyber threats, ensuring a safe trading environment. Furthermore, Kraken offers high spending and withdraw limits, catering to both retail investors and high-volume traders. This feature is particularly beneficial for users looking to make substantial transactions without the constraints of lower limits typically found on other exchanges. ### Crypto.com – Best for DeFi and Crypto Spending [Crypto.com](http://crypto.com/) excels in the DeFi space and crypto spending, offering an array of services that enhance the user experience. Like Spritz Finance’s SpritzCard, its Visa card is a notable feature, allowing users to spend their crypto assets. This card bridges the gap between traditional and digital finance, offering a tangible way to use cryptocurrencies for everyday transactions. Additionally, Crypto.com's customer support is a cornerstone of its user experience, providing timely and effective assistance. The platform's dedication to customer service ensures that users receive the help they need, whether they're new to the crypto world or seasoned traders. ### Robinhood – User-Friendly Platform for Casual Investors [Robinhood](https://www.robinhood.com/us/en/about/crypto/) has carved out a unique niche in the world of cryptocurrency trading, attracting users with its user-friendly interface and commission-free trading model. The platform is particularly appealing to casual investors who are looking for a simple and straightforward way to engage with cryptocurrencies. The ease of use that Robinhood offers is a major draw, with an intuitive app that makes buying, selling, and holding cryptocurrencies as simple as a few taps on your smartphone. Incorporating the no-commission approach, Robinhood stands out among its competitors by eliminating trading fees, which is a significant advantage for users who are conscious of costs associated with cryptocurrency trading. ### Binance – A Comprehensive Crypto Ecosystem [Binance](https://www.binance.com/), a behemoth in the crypto world, offers a comprehensive range of services and products that cater to a wide spectrum of users, from beginners to advanced traders. Binance’s ecosystem encompasses not just a trading platform but also includes additional features like staking, savings, loans, and even a native blockchain and token (BNB). This extensive range of services positions Binance as a one-stop-shop for many crypto enthusiasts. That said, it’s recently fallen into a significant amount of legal trouble, and Binance (particularly its off-shoot [Binance.us](https://www.binance.us/) for American users) stands on unstable ground regarding its future. Contrasting Binance's offering, Spritz Finance focuses on integrating traditional finance (even in the US) with Web3, providing services like bill payment using cryptocurrencies across multiple blockchains including Ethereum, Polygon, and BNB Chain, showcasing a commitment to compliance and user-friendliness. ### Spritz Finance – Off-Ramping In One Transaction [Spritz Finance](/) is not just a bridge between decentralized finance (DeFi) and traditional finance (TradFi); it's a revolution in bill payment convenience. By allowing users to directly pay bills from their crypto wallets, including Coinbase Wallet and Metamask, Spritz simplifies the process of using cryptocurrencies like USDC for real-world expenses. They also provide the SpritzCard, which is a Visa card can be loaded with crypto from 10 different networks and can be used at millions of merchants. Spritz's innovative approach to bill payments, along with its easy to use SpritzCard, enhances the utility of cryptocurrencies, making it a complementary platform to Coinbase and other crypto services. Spritz marks a significant step towards making cryptocurrency accessible and practical for everyday use. ## Part 3: Comparing Features of Coinbase Alternatives Let's dive into a quick summary of the fees, security, user interface, and available cryptocurrencies among prominent Coinbase alternatives: KuCoin, Kraken, [Crypto.com](http://crypto.com/), Robinhood, Binance, and Spritz Finance. ## KuCoin KuCoin is known for its wide range of available cryptocurrencies and competitive trading fees. It provides an advanced user interface suited for experienced traders, offering a variety of tools and charts. ## Kraken Kraken stands out for its strong security measures and low fees. It's a great choice for both beginners and experienced users, with an interface that balances simplicity and advanced functionality. ## Crypto.com [Crypto.com](http://crypto.com/) is widely recognized for its extensive range of services, including a crypto credit card. However, it's important to note that their fee structure can be complex, and users should understand it thoroughly. ## Robinhood Robinhood offers a streamlined and beginner-friendly platform. While it has limited cryptocurrency options compared to others, it's a popular choice for those new to the crypto world, particularly for its no-commission structure. ## Binance Binance, one of the largest exchanges globally, is renowned for its low trading fees and a vast array of cryptocurrencies. The platform is more suited for users with some experience in crypto trading. ## Spritz Finance Spritz Finance stands out in the crypto world by blending traditional finance with Web3. It offers unique features like the SpritzCard, bill payments with crypto, and for easy crypto-to-USD/GBP/Euro/CAD transfers to bank accounts. This platform is gaining attention for its convenience, especially with the ability to use a payment address to safely off-ramp crypto from a crypto exchange or wallet without connecting to a dapp!. Users appreciate Spritz for its swift and reliable service, notably its faster off-ramp speeds compared to exchanges like Crypto.com or Coinbase, where an ACH bank transfer takes 2 days longer than Spritz. ## Part 4: FAQs ### How Do Spritz and Other Coinbase Alternatives Simplify Bill Payments with Crypto? One of the key advantages of using platforms like Spritz over Coinbase for crypto transactions is the direct bill payment feature. Spritz, for instance, enables users to pay their bills directly from their crypto wallets, bypassing the need for traditional banking systems. This is particularly useful for those who have moved into decentralized finance (DeFi) and are looking to manage their financial obligations without ### What Are the Benefits of Going Bankless with Spritz and Similar Platforms? Platforms like Spritz offer an attractive alternative to traditional banking, especially in the era of low yields on investments in traditional banks. They provide the autonomy to control finances and leverage crypto assets for daily transactions, like bill payments. This approach aligns well with the growing inclination towards DeFi, offering a hedge against inflation and the opportunity to stay entirely within the crypto ecosystem for all financial dealings. ## Conclusion In conclusion, the landscape of cryptocurrency platforms is vast and varied, with each offering unique features that cater to different needs. While Coinbase is a well-known player in the market, alternatives like Spritz are helping people across the globe by blending the reliability of traditional finance with the innovation of Web3. The direct bill payment feature and the move towards a bankless lifestyle are just a few of the distinct advantages these platforms offer. Whether you're a seasoned crypto pro or new to the space, exploring alternatives to Coinbase can open up new avenues for managing your digital assets more effectively. As the world of cryptocurrency continues to evolve, staying informed about the different platforms available becomes crucial. By understanding the unique features and benefits of each, you can make more informed decisions that align with your personal or business financial goals. For those interested in diving deeper into the world of decentralized finance and exploring platforms that bridge the gap between traditional finance and DeFi like Spritz, visit [Spritz Finance](/) for more information and insights into making the most of your crypto assets. --- # 2024 Guide: How to Pay with Crypto Easily > Discover how to use cryptocurrency for everyday purchases with Spritz Finance. Learn how to pay bills, use a crypto-powered Visa SpritzCard, and off-ramp… _2024-03-01 · Chris Sheehan_ ## Key Takeaways - Spritz Finance simplifies the process of using cryptocurrency for everyday payments, bridging the gap between digital and fiat currencies. - Setting up a Spritz account is a simple process, involving signing up, linking your bank account, and connecting your crypto wallet. - Spritz makes it easier to convert cryptocurrency into fiat currency for bill payments. - Advanced payment features like the SpritzCard and Direct Wallet Pay offer more flexibility and convenience for everyday purchases. - Spritz addresses common concerns about using crypto for payments and prioritizes security and privacy in digital transactions. ## **Introduction to Crypto Payments with Spritz** ### **Crypto Payments: What You Need to Know** Cryptocurrency payments are reshaping how we think about financial transactions, offering a blend of security, efficiency, and global reach unprecedented in traditional banking systems. The digital currency landscape has evolved significantly, with a growing acceptance among retailers, service providers, and even for personal transactions. This introduction marks a pivotal shift towards a more inclusive and technologically advanced financial ecosystem. For more insights, check out how Spritz is revolutionizing bill payments with crypto [here](/). ### **Why Choose Crypto for Payments?** Choosing cryptocurrency for payments isn't just about being part of a new financial trend; it's about embracing a system that offers speed, security, and a global reach far beyond traditional payment methods. Crypto transactions can circumvent the usual banking fees, reduce transaction times to nearly instantaneous, and provide a layer of security that traditional banking can't match due to the blockchain's immutable nature. Additionally, crypto's global nature makes it ideal for international transactions, bypassing the need for currency exchange and its associated fees. Spritz has been noted for its user-friendly interface that simplifies the crypto payment process, making it accessible for all users, as highlighted by customer testimonials on platforms like Trustpilot [here](https://www.trustpilot.com/review/www.spritz.finance). ### **What is Spritz Finance?** Spritz Finance stands at the forefront of integrating the reliability of traditional finance with the innovative potential of Web3 technologies. By simplifying the process of using cryptocurrency for everyday payments, Spritz is bridging the gap between digital and fiat currencies. Users can pay their bills, off-ramp crypto to fiat, and buy crypto all within a single platform, offering a seamless transition to a digital-first financial lifestyle. Spritz's mission revolves around making cryptocurrency a practical, everyday tool for financial management, not just an investment vehicle. Detailed information about Spritz's off-ramping features and how they benefit users can be found [here](/). ## Part 2: Getting Started with Spritz Embarking on your journey with Spritz to make crypto payments is a seamless process that bridges the gap between digital currency and everyday financial transactions. Here’s a simple step-by-step guide to get you started: 1. **Sign Up for a Spritz Account**: Begin by [creating your Spritz account](https://app.spritz.finance/signup). You’ll then need to complete a quick verification process. Verification is swift: it takes most people less than 2 minutes. 2. **Link Your Bank Account**: Once your account is set up, linking your bank account is essential. Spritz supports all major banks such as [Chase](https://www.chase.com/), [Bank of America](https://www.bankofamerica.com/), [Capitol One](https://www.capitalone.com/), [Wells Fargo](https://www.wellsfargo.com/), and more. In fact, the vast majority of banks and credit unions are supported. This step is crucial for converting crypto to fiat efficiently. 3. **Connect Your Crypto Wallet**: With Spritz, you can connect any wallet from a list of dozens of crypto wallets, including Metamask and Coinbase Wallet. In addition to EVM-compatible chains like Polygon, Arbitrum, Base, Optimism, etc, Spritz also supports Bitcoin, Tron, and Dash, which allow you to off-ramp by sending a transfer to a temporary address. No wallet connection required. For a detailed guide on setting up your account, refer to [Spritz’s comprehensive help section](https://help.spritz.finance/en/collections/5871176-get-started), where you can find all the necessary information to navigate your new Spritz account. ### Converting Crypto to Fiat for Bill Payments Converting your cryptocurrency into fiat currency for bill payments has never been easier, thanks to Spritz. Our platform is designed to simplify the off-ramp process, allowing users to pay for their utilities, rent, and other expenses directly with crypto. Here’s how Spritz stands out: - **Seamless Conversion**: With just a few clicks, users can convert their crypto holdings into fiat. This process is not only efficient but also optimized to get the best possible conversion rates. - **Success With Spritz**: Many of our users have shared their success stories, highlighting the ease with which they've been able to manage their finances. From paying off student loans and mortgages to covering monthly utilities, the possibilities are endless. Spritz's commitment to making crypto payments as straightforward as possible is evident through our user-friendly platform and supportive community. By bridging the gap between crypto and fiat, we ensure that your digital assets can cover real-world needs without hassle. ## Part 3: Advanced Payment Features ### **SpritzCard: The Crypto Debit Card** The SpritzCard revolutionizes the way we think about crypto payments in the real world. Imagine a prepaid Visa debit card that lets you use your crypto holdings for everyday purchases. The SpritzCard is a digital-first solution, seamlessly converting your crypto to fiat for immediate use, eliminating the hassle of finding crypto-friendly merchants. The process to get started is straightforward: log into the Spritz app, navigate to “Accounts”, then “SpritzCard”, and within minutes, your card is ready for action, once verified. This digital debit card not only broadens your spending horizons but also ensures top-notch security, as the card details are exclusive to the cardholder, enhancing privacy and safety. ### **Paying Bills and Invoices with Crypto** Paying bills with cryptocurrency has never been easier, thanks to Spritz's seamless integration of crypto wallets with real-world bill pay accounts. By connecting your crypto wallet to Spritz, you can pay your bills in seconds without the need to convert to fiat or transfer funds to a bank account. This direct payment system supports a wide array of services, from mortgages and utility bills to entertainment subscriptions and auto payments, across various blockchains including Ethereum, BNB Chain, Tron, Bitcoin, and Polygon. The process is simple: verify your identity, [link your bill accounts](https://app.spritz.finance/bills/main), connect your wallet, and start paying. With Spritz, the entirety of your crypto holdings becomes instantly available for real-world applications, bridging the gap between digital currency and everyday financial tasks. ## **Part 4: Navigating Challenges and Solutions** ### **FAQs: Addressing Common Concerns** The use of crypto for payments often brings up questions about processes, security, and regulatory aspects. Let's address some of these based on Spritz Finance's features and policies. 1. **Do I Need to Connect My Crypto Wallet to Off-Ramp?** No, you don't need to connect your wallet to off-ramp. Spritz's Address Book provides crypto addresses for your bank accounts and bills, allowing for direct transfers of approved stablecoins without connecting to a smart contract. For more details, visit [Spritz's Address Book Guide](https://help.spritz.finance/en/articles/8534389-how-to-use-the-spritz-address-book). 2. **Which Networks Does Spritz Support?** Spritz supports a wide range of networks including [Ethereum](https://spritz.webflow.io/blog/how-to-pay-with-crypto-guide#), [BNB Chain](https://spritz.webflow.io/blog/how-to-pay-with-crypto-guide#), [Tron](https://tron.network/), [Bitcoin](https://bitcoin.org/), [Polygon](https://polygon.technology/), [Arbitrum](https://arbitrum.io/), [Base](https://spritz.webflow.io/blog/how-to-pay-with-crypto-guide#), [Avalanche C-Chain](https://www.avax.network/), [Dash](https://www.dash.org/), [Optimism](https://www.optimism.io/), and [Celo](https://celo.org/). However, token and network support varies by country and tool (off-ramp, SpritzCard, etc.). For comprehensive information, check out the [Spritz Help Center](https://help.spritz.finance/en). 3. **Is Spritz Regulated?** Yes, Spritz operates under regulatory compliance. Being regulated is essential for their operation, ensuring they adhere to legal standards and provide a secure environment for users. For more on their regulatory compliance, visit [Spritz's Security and Compliance Section](https://help.spritz.finance/en/collections/5871191-taxes-regulations-privacy-security). ### **Security and Privacy with Spritz Payments** Spritz's approach to security and privacy ensures user trust and compliance with legal standards. - **Utilization of Spritz's Address Book**: Enhances security by allowing off-ramping without direct wallet-to-smart contract connections. - **Privacy and Data Protection**: Spritz prioritizes user privacy, keeping KYC information and transaction history confidential, and not sharing data with government bodies as part of normal operations. - **Compliance with Legal Requests**: Spritz complies with legal requests for specific information as part of investigations, as required by their license. For more information, refer to Spritz's [Help Center](https://help.spritz.finance/en). ## **Part 5: Leveraging Spritz for Efficient Crypto Payments** ### **Maximizing Benefits with Spritz** Spritz offers various features to enhance your crypto financial management. 1. **Address Book for Emergency Off-Ramping**: The Address Book serves as an emergency option to off-ramp stablecoins from exchanges, providing a flexible and secure solution. 2. **Rapid Pay for US Users**: American users with banks supporting the RTP network can use Rapid Pay for off-ramping. This feature ensures USD deposits in their account within minutes, with the longest transfers taking no more than an hour. 3. **Bill Payments**: Many Spritz users utilize the platform to pay off credit card bills, mortgages, car loans, and more using crypto. This functionality broadens the real-world applicability of digital currencies. Explore these benefits in detail at [Spritz's Blog](/blog). ### **Future of Crypto Payments with Spritz** Spritz is not just about the present; it's paving the way for the future of crypto payments. With the introduction of Spritz Pay, users can now make crypto-to-USD transfers to anyone with a bank account in the United States, from paying friends and family to covering ACH bills, all directly from your preferred wallet. This feature underscores Spritz's commitment to making crypto payments as versatile and user-friendly as traditional banking. Moreover, Spritz's SMARTPay feature revolutionizes how we think about recurring payments. By enabling users to set up automatic monthly payments with USDC on the Polygon network, Spritz combines the reliability of traditional direct debits with the innovation of crypto, providing a hassle-free way to manage ongoing financial commitments. This is just the beginning, as Spritz continually works on expanding its services, including supporting more blockchains and integrating more features. --- # Introducing Instant Dash Transactions on Spritz: Faster and More Secure Crypto Payments > Discover how Spritz's new integration of Dash InstantSend makes your crypto transactions faster and more secure. Enjoy instant finality for payments, bill… _2024-02-29 · Chris Sheehan_ ## Key Takeaways - With the integration of Dash InstantSend, Spritz users can now experience immediate finality in their Dash transactions, significantly speeding up payments and transfers. - Dash’s advanced features, like InstantSend for quick settlements, ChainLocks for protection against attacks, and CoinJoin for optional payment confidentiality, ensure a more secure and private transaction experience. - This update highlights Spritz's ongoing commitment to innovation in the cryptocurrency space, offering users convenient, fast, and secure options for managing their digital finances. ## **Spritz Integrates Dash InstantSend for Lightning-Fast Transactions** As of today, we’ve integrated Dash's [InstantSend](https://www.dash.org/blog/what-is-dash-instantsend-and-how-does-it-work/) functionality. All Dash transactions are now instantly considered final, meaning you can save even more time when paying bills, off-ramping to your bank, or loading your SpritzCard!\* ### **Experience Unmatched Speed with Instant Transaction Finality** While Dash transactions will be completed faster, the time until your funds land in your bank account/pay your bill will still follow standard/Rapid Pay timing. [**Off-Ramp With Dash Now!**](https://app.spritz.finance/offramp) ## **Dash 101: Your Go-To Crypto for Efficiency and Security** Need to familiarize yourself with [Dash](https://www.dash.org/)? Here’s what you need to know! Dash is a cryptocurrency focused on digital cash: instant, secure, low-cost, optionally confidential, and easy-to-use payments. Created in 2014 by Evan Duffield, Dash pioneered the masternode (high-powered collateralized nodes which perform special functions), and is the oldest decentralized autonomous organization (DAO) in existence. ### **Advanced Features of Dash: InstantSend and ChainLocks** Dash’s InstantSend functionality fully settles transactions in under two seconds and prevents them from being double-spent, while ChainLocks protects against block reorganizations and 51% attacks. Additionally, Dash’s integrated CoinJoin feature can optionally make payments confidential, protecting against unwanted snooping. We’re incredibly excited to bring Dash transactions to the next level with Spritz! Stay tuned for more exciting announcements to come! Cheers! 🍹The Spritz Team \*Availability of networks and Spritz tools vary. All verified users can use Dash to load/top-up the SpritzCard. --- # The Ultimate Guide to Off-Ramping Crypto to Your Bank Account with Spritz > Learn how to effortlessly transfer your cryptocurrency to your bank account using Spritz's user-friendly off-ramp service. _2024-02-23 · Chris Sheehan_ ## Key Takeaways - Spritz simplifies the off-ramping process, allowing users to convert their cryptocurrency to USD in a single transaction, directly from their Web3 wallet to their bank account. For a step-by-step guide on how to off-ramp crypto to any bank account using Spritz, check out [this article](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) - The platform supports a wide array of cryptocurrencies across several blockchain networks, including Ethereum, Polygon, Avalanche, Arbitrum, Optimism, and BNB Chain, ensuring versatility for its users. Discover more about the supported currencies and networks in [Spritz's guide to off-ramping crypto](/blog/how-to-off-ramp-crypto). - Off-ramping through Spritz is not only quicker but also more cost-effective compared to traditional methods involving centralized exchanges, sparing users from multiple transaction fees and delays. Learn about the advantages of off-ramping through Spritz versus a centralized exchange in [this comprehensive comparison](/blog/off-ramp-centralized-exchange). ## **Part 1: Understanding Crypto Off-Ramp with Spritz** ### What is Crypto Off-Ramping? Crypto off-ramping bridges the gap between digital assets and fiat currency, enabling users to utilize cryptocurrency for real-world expenses or secure their gains in stable currency forms. This crucial process enhances the liquidity of digital assets and their integration into the conventional financial system, facilitating broader acceptance and adoption of cryptocurrencies as legitimate currency forms. Centralized exchanges (CEXs), decentralized exchanges (DEXs) with APIs, and NFT marketplaces are pivotal platforms for off-ramping, offering security, ease of use, and direct wallet control directly within the process. Users are advised to select reputable platforms, use [cold storage](https://www.ledger.com/academy/topics/security/hot-wallet-vs-cold-crypto-wallet-whats-the-difference), and adhere to regulatory standards for secure transactions. The choice of platform significantly impacts the efficiency of off-ramping, emphasizing the need for careful consideration and research. ### Why Choose Spritz for Your Crypto Off-Ramp Needs? Spritz revolutionizes the process of converting crypto to USD, offering a seamless transfer to your bank account unlike any other platform. By eliminating the need for multiple swaps and interactions with centralized exchanges, Spritz streamlines the off-ramping process. Users can directly transfer cryptocurrencies from supported blockchains—Ethereum, Polygon, Avalanche, Arbitrum, Optimism, BNB Chain—to their bank accounts in a single transaction, thus saving on time and fees. This not only simplifies the user experience but also minimizes the complexity traditionally associated with converting digital assets to fiat currency. Spritz's approach enhances accessibility to digital assets, bridging the gap between DeFi and traditional finance without relying on traditional finance (TradFi) structures such as centralized exchanges. More details can be found at [Spritz Finance Blog](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) and [Spritz Finance Comparison with Centralized Exchanges](/blog/off-ramp-centralized-exchange). ### Step-by-Step Guide: Off-Ramping Crypto with Spritz Follow these detailed steps to efficiently off-ramp your cryptocurrency to USD in your bank account using Spritz: 1. **Access the Off-Ramp Feature**: Start by [opening the Spritz app](https://app.spritz.finance/signup?lp=value_header) and navigate to the "Off-ramp" section. 2. **Add a Bank Account**: Choose the option to add your bank account details. You'll need to input your ACH routing number and your bank account number. 3. **Connect Your Crypto Wallet**: Choose the connected bank account you wish to off-ramp your crypto to, then connect your preferred crypto wallet ([MetaMask](https://metamask.io/), [Coinbase Wallet](https://www.coinbase.com/wallet), and [WalletConnect](https://walletconnect.com/) are supported). 4. **Select the Amount and Token**: Specify the dollar amount you wish to off-ramp, and select the cryptocurrency from your wallet you'd like to convert to USD. 5. **Enable RapidPay if available:** For most US bank accounts, Spritz supports instant fiat transfers. If this option is available, select it now. 6. **Approve and Complete the Transaction**: Finally, approve the off-ramp transaction from your wallet, then click "Off-ramp crypto” to complete the process. You will be notified via email once the crypto transfer has begun, and you can track the status directly from the app. For a comprehensive overview and additional details, visit the original articles on Spritz Finance's blog: [Announcing Spritz Off-ramp](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) and [How to Off-Ramp Crypto to Real World Value](/blog/how-to-off-ramp-crypto). ### Supported Currencies and Networks Spritz's versatility is showcased in its wide support for cryptocurrencies and blockchain networks, facilitating the off-ramp of assets from Ethereum, BNB Chain, Avalanche, Arbitrum, Polygon, and Optimism. This extensive compatibility includes thousands of tokens and cryptocurrencies such as ETH, BNB, MATIC, USDC, USDT, and BUSD. Such support gives users unprecedented freedom and flexibility in connecting their crypto holdings with real-world applications, from bill payments directly from their wallets to off-ramping for other financial needs. For a comprehensive list of supported currencies and networks, refer to [Spritz Finance Blog](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) and [Spritz Finance on Saving Time and Money](/blog/off-ramp-centralized-exchange). ## Part 2: Maximizing Your Off-Ramping Experience with Spritz In today's crypto environment, seamless integration between digital currencies and traditional finance is not just a convenience; it's a necessity. Spritz is at the forefront of this integration, offering innovative solutions for crypto off-ramping that combines the reliability of traditional finance with the innovation of web3. Let's dive into how Spritz is enhancing the off-ramping experience for its users. ### Tiered Pricing System Explained Spritz Finance introduces a **Tiered Pricing System** for its "crypto offramp" services, offering a cost-effective solution for users in the United States and Canada. This innovative system adjusts fees based on your monthly transaction volume, ensuring a more affordable and scalable option for both small and large-scale crypto transactions. It's designed to support a wide range of cryptocurrencies across several networks, providing flexibility for users looking to convert their digital assets into USD. For detailed insights into how this tiered pricing can benefit your offramping strategy, visit [Fees: United States & Canada](https://help.spritz.finance/en/articles/8858874-fees-united-states-canada). ### Security and Compliance Measures The digital finance world demands robust security and strict adherence to financial regulations. Spritz takes these aspects seriously, implementing cutting-edge security features and ensuring compliance with financial regulations. This commitment ensures that your assets are not only secure but also that every transaction aligns with the legal standards. For more on Spritz's security protocols, check their [dedicated section on security and compliance](/blog). ### Troubleshooting Common Issues Encountering issues during the off-ramping process can be frustrating. Spritz recognizes this and has compiled a comprehensive guide to troubleshoot common problems. From connectivity issues to transaction delays, Spritz's guide offers practical solutions to keep your off-ramping experience smooth. Explore common troubleshooting tips on [Spritz's help center](https://help.spritz.finance/en). ### Spritz Off-Ramp: Real User Experiences The proof is in the pudding, or in this case, in the testimonials of users who have utilized Spritz for their off-ramping needs. From the ease of converting crypto to USD in a single transaction to the elimination of the need for multiple swaps and exchanges, user experiences highlight the efficiency and convenience of Spritz's off-ramp service. Read real user stories on [Spritz's blog](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer). **Image suggestion**: A collage of happy users with their testimonials about Spritz's services. **Alt text**: "Satisfied Spritz users sharing their positive off-ramping experiences." ### Future of Crypto Off-Ramping with Spritz The future looks bright for Spritz users, with the platform continually updating and expanding its off-ramp services. Anticipate new features, broader blockchain network support, and even more user-friendly updates that will make off-ramping your crypto easier than ever. Stay updated with the latest developments at [Spritz's updates section](/blog). ## FAQs ### Q1: What is the minimum amount I can off-ramp with Spritz? The you can off-ramp as little as $1 with Spritz!This threshold ensures that transactions are efficient for both the user and the platform, balancing the need for accessibility with operational practicality. Users are encouraged to consolidate smaller amounts of cryptocurrency if necessary, to meet this minimum requirement for off-ramping. ### Q2: How long does a typical off-ramp transaction take? Many off-ramps are actually instantaneous! Other off-ramp transactions with Spritz take between 1 to 3 business days to complete. This timeline can vary depending on your bank's processing times and the specific cryptocurrency being off-ramped. Spritz works diligently to expedite each transaction, leveraging efficient blockchain networks and banking relationships to ensure your funds are available as quickly as possible. ### Q3: Can I off-ramp to international bank accounts? Yes, Spritz supports off-ramping to international bank accounts. However, users should be aware that transactions to international accounts may incur additional fees and require longer processing times due to the complexities of cross-border banking regulations and currency conversions. Spritz strives to provide transparent information about these potential costs and timelines during the off-ramping process. ### Q4: Are there any limits on how much I can off-ramp daily or monthly with Spritz? Spritz implements daily off-ramping limits to ensure compliance with financial regulations and to promote responsible crypto asset management. For US and Canadian users, there is a standard $20,000 limit for each transaction, with a total limit of $150,000 per day. Experienced Spritz users can reach out to Support@Spritz.Finance to inquire about increasing these limits. ### Q5: How does Spritz ensure the security of my off-ramping transactions? Spritz ensures the security of off-ramping transactions through state-of-the-art encryption, two-factor authentication (2FA), and continuous monitoring of its platform for any unusual activity. Additionally, Spritz adheres to stringent financial regulations, including AML and KYC policies, to further protect users and their assets. User security is Spritz's top priority, and the platform is continuously updated to incorporate the latest in cybersecurity measures. ### Q6: What fees are associated with off-ramping crypto through Spritz? The fees associated with off-ramping crypto through Spritz are transparent and competitive, designed to provide value for the service. They can be as low as 0.5% of transaction volume. Fees can include a percentage of the transaction amount for the off-ramping process, potential network fees for the blockchain being used, and any applicable bank transfer fees. Specific fee structures are detailed [here](https://help.spritz.finance/en/articles/8858874-fees-united-states-canada). ### Q7: How can I track the status of my off-ramp transaction with Spritz? Users can track the status of their off-ramp transaction directly through the Spritz platform. After initiating an off-ramp transaction, users will have access to a transaction summary page that includes real-time updates on the transfer status, from initiation to completion. Spritz also sends notification emails at key transaction stages, ensuring users are informed throughout the process. For more detailed answers, head over to [Spritz's FAQ page](https://help.spritz.finance/en). ## **Conclusion** Throughout this guide, we've explored the essentials of off-ramping crypto with Spritz, from understanding the process to maximizing your experience with the platform's features. Spritz's commitment to simplicity, security, and user satisfaction makes it an ideal choice for your crypto off-ramping needs. Whether you're a first-timer or a seasoned crypto enthusiast, Spritz offers a streamlined, secure, and efficient way to convert your digital assets into fiat currency. We encourage you to take the first step towards simplifying your crypto transactions by choosing Spritz for your off-ramping needs. Experience the future of crypto off-ramping today and unlock the full potential of your digital assets with Spritz. Dive deeper into how Spritz is revolutionizing off-ramping by visiting their [blog](/blog) and [help center](https://help.spritz.finance/en). --- # On-Ramp With Spritz in the UK & EU! > Convert British Pounds (GBP) or Euros (EUR) to stablecoins in your wallet! Spritz allows you to on-ramp directly from your bank account, saving you time and… _2024-01-20 · Spritz Team_ ## **Buy Stablecoins With One Transaction** - The [on-ramp](https://app.spritz.finance/onramp) allows UK and EU citizens to make a transfer from their GBP or Euro IBAN accounts to a generated bank account. - Simply send a bank transfer from your own bank to that generated account, and the stablecoins will automatically be deposited to your wallet. ## **Supported Stablecoins** - **Ethereum**: USDC, USDT, agEur - **Polygon**: USDC, USDT - **Optimism**: USDC, USDT - **Arbitrum**: USDC, USDT, agEur - **Celo**: cEUR, cUSD - **Tron**: USDT ## **Stablecoins in Your Wallet - Without the Hassle!** 1. Add your [wallet address](https://app.spritz.finance/onramp), and select the stablecoin, network, and amount you’d like to receive 2. Complete the one-time supplementary KYC requirements 3. Generate the destination account (where you’ll send your GBP or Euros to!) 4. Make the transfer from your personal bank account and see the stablecoins land in your wallet! **Ready to Dive In?** [**On-Ramp to Your Wallet Now**](https://app.spritz.finance/onramp) We’re incredibly excited to help the European and British Sprites dive even more into crypto through our latest release. We’re not done yet though, keep an eye out for _even more exciting announcements coming up_! Cheers! The Spritz Team 🍹 --- # Now in the UK & EU - Spritz's Bank Off-ramp! > Convert crypto to British Pounds (GBP) or Euros (EUR) in your bank account! Spritz allows you to off-ramp directly from your crypto wallet, saving you time… _2023-12-22 · Spritz Team_ ## **Easily Link Your Bank Account** **For UK Residents:** Say goodbye to transferring to an exchange to a centralized exchange! If you're in the UK, you can now effortlessly add your GBP-accepting accounts. All you need is your account number and sort code. **For EU Citizens:** We've got you covered! EU users can add any IBAN bank account. Currently, we're supporting Euro IBAN accounts only, but stay tuned for more updates. ## **Simple Steps, Swift Transfers** Getting started is as easy as 1, 2, 3: 1. **Link Your Bank Account:** Securely [connect your bank account](https://app.spritz.finance/offramp) to Spritz. 2. **Receive a Unique Blockchain Address:** Once linked, you'll receive a blockchain address tied directly to your bank account. 3. **Send Supported Stablecoins:** Transfer any of the supported stablecoins to your unique address, and Spritz will handle the rest! ## **Supported Stablecoins** Here's a list of stablecoins you can use with Spritz's Bank Transfer in the EU & UK. - **Ethereum:** USDC, USDT, agEur - **Polygon:** USDC, USDT - **Optimism:** USDC, USDT - **Arbitrum:** USDC, USDT, agEur - **Celo:** cEUR, cUSD - **Tron:** USDT ## **Special Launch Pricing! Only 1%!** We're celebrating our launch with a fantastic offer! Enjoy a low fee of just 1% (min. $2) on UK/EU bank transfers. That's right — we automatically deduct a minimal 1% fee from your transfer. Simply send your crypto to your generated address, and we’ll take care of the rest! ‍**Ready to Get Started?** [**Link my bank now**](https://app.spritz.finance/offramp) Cheers! 🍹 **The Spritz Team** --- # Year-End USDC Discount at Spritz Finance! > Cash out your USDC from your crypto wallet to your bank account for as low as 0.5%! Limited-time pricing through the end of 2023 - take advantage of the best… _2023-12-20 · Spritz Team_ ## **2023 Year-End USDC Discount at Spritz Finance!** For a limited time, we're offering dramatically reduced fees on USDC bank transfer off-ramps across multiple networks including: - Ethereum - Polygon - Base - Optimism - Arbitrum - Avalanche C-Chain And the best part? No discount code is required! ## **We've Drastically Dropped Fees for One of the Most Popular Stablecoins!** - 🌟 **$0 - $20k:** **A Stellar 0.5%!** Need to off ramp some crypto in time for the holidays? Now's your chance! - $20k - $100k: Still Great at 1% - $100k+: We Got You Covered at 1.5% [**Off-ramp to your bank now**](https://app.spritz.finance/offramp) **Important Details to Keep in Mind** - This special rate is exclusively for off-ramping (either in-app or through a [payment address](https://app.spritz.finance/payment-addresses) from your Spritz Address Book) to US bank accounts. - All transactions must meet a $2 minimum fee. - An additional 0.5% fee applies for Bill Pay and Virtual Card Payments in USDC on the mentioned chains. - Choosing Rapid Pay with banks supporting RTP will incur a 1% surcharge. - We've also updated our overall pricing: the first monthly volume fee-accruing tier now starts at $0. Whether you're making large transactions or small, we've got you covered with fees that fit your needs. **From everyone here at Spritz Finance, we wish you an incredible holiday season!** Cheers! 🍹 **The Spritz Team** --- # September Community Update: Hello Canada, New Mobile App, & Revamped Rewards! > We’ve been busy bringing you lots of new features that we’re excited to share with you! We launched in Canada, welcomed our new mobile app, and unveiled new… _2023-10-07 · Spritz Team_ ## **Spritz Touches Down in Canada! 🍁** Exciting news for our Canadian friends – Spritz is now live! You can seamlessly off-ramp your crypto to Canadian bank accounts across a range of networks like Ethereum, Bitcoin, Polygon, and more. A huge welcome to our Canadian Sprites! [**Sign Up For Spritz!**](/) **Launch of the Spritz Mobile App 📱** We’ve been getting requests for a mobile app for a long time, and we’re thrilled that after months of hard work, it’s ready for you! Download the Spritz mobile app today and discover how easy it is to use your crypto on the go: - **Simple Sign-Up, Sign-In, and Verification:** Quick onboarding with top security. - **Wallet Connection:** Link your EVM wallet across multiple chains effortlessly. - **SpritzCard Integration:** Unlock the potential of your crypto. - **Bill Payments:** All your bills, now in one place. - **Token Balance Tracking:** Real-time insights into your holdings. - **Bank Account Management:** Bring traditional finance into the fold. - **Transaction History:** Every transaction, clear as day. - **Off-Ramp Transactions:** Move your crypto to your bank with ease. Get a feel of the Spritz app before downloading it on iOS or Android. [**Get The App**](/blog) ## **The Launch of Our Rapid Payment Feature 💨** Experience faster off-ramp payments to US bank accounts! We believe that living on-chain should come with convenience. Choose the Rapid Payment option (that just finished a lengthy pilot program) when you make an off-ramp to eligible bank accounts in the US and see the funds appear in your account within the hour! Curious if your bank supports rapid payments? Top US banks like JPMorgan Chase, Bank of America, and more are on board. [**Check out the full list here.**](https://chat.openai.com/c/5471cfdd-6b3a-4d56-b6cf-5993d06862f1#) [**Send a Payment**](https://app.spritz.finance/offramp) ## **Address Book Launch 📖** The Address Book allows you to make crypto payments directly from your wallet without the need to connect to the Spritz. It streamlines the payment process and makes it easy to send payments from any account or wallet—that means you can also make payments from an exchange account! 😉 How to Use the Address Book: 1. Click [this link](http://email.mail.spritz.finance/e/c/eyJlIjoxMTg3ODUsImVtYWlsX2lkIjoiZXhhbXBsZSIsImhyZWYiOiJodHRwczovL2FwcC5zcHJpdHouZmluYW5jZS9wYXltZW50LWFkZHJlc3Nlcz91dG1fY2FtcGFpZ249QWRkcmVzcytCb29rK2JldGErdGVzdGVyc1x1MDAyNnV0bV9jb250ZW50PUFkZHJlc3MrQm9vaytiZXRhK3Rlc3RlcnNcdTAwMjZ1dG1fbWVkaXVtPWVtYWlsX2FjdGlvblx1MDAyNnV0bV9zb3VyY2U9Y3VzdG9tZXIuaW8iLCJ0IjoxNjk1NzYxNzk3fQ/decdaaa7362d663f12270b4c06a7d5fe2b50bc50a4748cf1cd1ab1e7db5e1742), or access the through the button below. 2. Select the network you would like to make a payment on. 3. Set up the payment in your wallet. Right now, we accept Address Book payments with USDC on Ethereum, Polygon, Optimism, BNB Chain, Arbitrum, or Avalanche. 4. Copy and paste the payment address from the bill in Spritz into your wallet or exchange account, then click send! [**Send a Payment**](https://app.spritz.finance/payment-addresses) ## **Our New Referral Program: More Rewards, More Fun 💰** Spritz is more than just a crypto platform; it’s a family of innovators, hard workers, and passive-income prodigies. In our mission to bring more value to our community, we’ve reimagined our referral program to benefit both referrers and referees: 🏝️ **The Tourist Tier:** Ideal for crypto beginners! - **For the Referee:** Make transactions worth ≥$100 within your first 30 days to receive **$25 cashback**. - **For the Referrer:** Earn a **$25 cashback** as long as your referee completes over $100 worth of transactions on Spritz within their first 30 days. 🍹 **The Local Tier:** For the regulars in the crypto-verse. - **For the Referee:** Achieve ≥$2,000 in transaction volume within the first 30 days to get **$40 cashback**. - **For the Referrer:** Bag a **$40 cashback** when your referee does ≥$2,000 in transaction volume within their first 30 days. 🔥 **The Premium Experience: The VIP Tier:** Maximize rewards with our premium tier by introducing fellow crypto-heads. Designed for seasoned crypto users who want to simplify crypto off-ramping for all. 🥂 **The VIP Tier:** For the crypto legends! - **For the Referee:** Achieve ≥$20,000 in transactions within the first 30 days and get a whopping **25% fee revenue share**. - **For the Referrer:** Boost your earnings with a **25% commission** on the referee's fees if they achieve ≥$20,000 transaction volume in their first 30 days. --- # Say Hello to Rapid Payments at Spritz! > We’re thrilled to announce the full release of Spritz’s Rapid Payment feature, letting you send off-ramp payments to your bank account faster than ever! _2023-10-03 · Spritz Team_ At Spritz, we’re continuing to refresh your finances in new ways every day. We’re thrilled to announce the Spritz Rapid Payment feature, letting you send off-ramp payments to your bank account faster than ever! **Introducing Rapid Payments at Spritz!** The Rapid Payment Feature is your ticket to keeping your on-chain lifestyle even in your off-chain finances. With this feature, you can supercharge your off-ramp payments to US bank accounts with two options: 1. 🚀 **ACH:** For those who like it speedy but steady. 2. 💥 **Rapid Payment:** Lightning-fast delivery to your bank account within the hour! **Is Your Bank Account Eligible for Rapid Payment?** Want to know if your bank is ready for the rapid revolution? Here’s a full list of US banks that will let you send off-ramp payments with the new Rapid Payment feature: - JPMorgan Chase Bank - Bank of America - Wells Fargo Bank - Citibank - U.S. Bank - PNC Bank - Capital One Bank - TD Bank - Santander Bank - SunTrust Bank - And many more! Check out the full list [here](https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions). **Is there an additional fee to use the Rapid Payment feature?** Using Rapid Payment comes with a 1% fee on top of our regular Spritz fees. Spritz makes it easier than ever to send crypto anywhere! Use the Rapid Payment feature to off-ramp funds from your preferred crypto wallet in as little as an hour. 🚀 Cheers! The Spritz Team --- # Enjoy more freedom with the Address Book! > Today, we are thrilled to introduce you to the Address Book! Pay bills from any crypto account, like your wallet or an exchange, without having to connect to… _2023-09-29 · Spritz Team_ Today, we are thrilled to announce the launch of the Address Book! Pay bills from any crypto account, like your wallet or an exchange, without having to connect to our smart contract!   **What is the Address Book?** The Address Book allows you to make crypto payments directly from your wallet without the need to connect to the Spritz. It streamlines the payment process. That means you can also make payments from an exchange account! **How to Use the Address Book:** 1. Click [this link.](https://app.spritz.finance/payment-addresses) 2. Select the network you would like to make a payment on. 3. Set up the payment in your wallet. Right now, we accept Address Book payments with USDC on Ethereum, Polygon, Optimism, BNB Chain, Arbitrum, or Avalanche. 4. Copy and paste the payment address from the bill in Spritz into your wallet or exchange account, then click send! The Address Book gives you the freedom to use Spritz how you want! Enjoy the best of Spritz on your own terms: 👾 Use it like any other crypto address: Use it to make payments to your bills from any crypto account! 🧘 Flexible Payment Options: Pay bills like your mortgage, student loans, phone bills, and utilities from your wallet or exchange account. It’s all up to you! 🔒 Enhanced Privacy: Using a wallet that you want to keep secure? Make payments from your Address Book without having to connect your wallet to our smart contract for added security. 🚲 Convenience: Say goodbye to the hassle of connecting your wallet every time you want to make a payment. With the Address Book, it's as easy as sharing an address. We’re committed to continuing to improve the Spritz experience quickly! Log into your Spritz account today to make a transaction with the address book from any crypto account! Cheers! The Spritz Team 🍹 --- # Unveiling the Enhanced Spritz Referral Rewards! > Multiply your earnings with Spritz’s revamped referral structure. Introduce friends to Spritz for cashback, commissions, and monthly bonuses. Earn when you… _2023-09-28 · Spritz Team_ Multiply your earnings with Spritz’s revamped referral structure. Introduce friends to Spritz for cashback, commissions, and monthly bonuses. Earn when you share the easiest off-ramp in crypto! Spritz is more than just a crypto platform; it’s a family of innovators, hard workers, and passive-income prodigies. In our mission to bring more value to our community, we’ve reimagined our referral program to benefit both referrers and referees. **Kicking off the enhanced rewards structure:** **Key Points to Note:** - The reward structure for Tourist, Local, and VIP tiers applies strictly to the first 30 days after the referred user's sign-up. Payouts for these tiers will be distributed at the end of the referred user’s first 30 days. - Your referral club status is determined at the end of each month based on a rolling 3-month timeframe. Payouts are also given at the end of each month. - Achieving rewards through the Referral Club also depends on either adding new transacting users or amassing a specified total referred transaction volume. - Spritz’s fee revenue share calculations are based on Spritz’s tiered fee system. For a detailed breakdown of the terms and fees, kindly visit our [**help center**](https://help.spritz.finance/). Ready to earn big? [**Share your unique Spritz referral link**](https://app.spritz.finance/referrals) and watch the rewards stack up for you and your friends. Cheers to a rewarding journey ahead! 🥂 The Spritz Team --- # Spritz is now in Canada! Off-ramp crypto to any Canadian bank account > We've got some fantastic news to share for our friends up North in Canada. We are thrilled to announce that the Off-ramp feature is now LIVE for all Candian… _2023-09-18 · Spritz Team · last updated 2024-12-11_ We've got some fantastic news to share for our friends up North. We are thrilled to announce that the Off-ramp feature is now LIVE for all Canadian users! 🇨🇦 Now you can off-ramp crypto on any of our supported networks to Canadian bank accounts! Launching globally has been high on our priority list for a while now, and with so many requests for us to launch in Canada, we thought it would be a great place to start! At Spritz, we've always been committed to making cryptocurrency more accessible and user-friendly, and this expansion is another step towards achieving that goal. So, what does this mean for you? Let's dive right in! ## **Welcome, Canadian Sprites! 🍁** First and foremost, a warm welcome to all our Canadian Sprites. We're excited to have you on board, and we can't wait to see you use your crypto anywhere when you off-ramp straight from your favorite wallet. Starting today, you can off-ramp any asset to ANY Canadian bank account from networks like Ethereum, BNB Chain, Bitcoin, Polygon, Dash, Avalanche, Optimism, Arbitrum, and USDC or USDT on TRON. ### **Seamless Crypto to Bank Transfers 🏦** With the Off-ramp feature now available in Canada, you can seamlessly send your cryptocurrency directly from your wallet to any bank account. This means you can easily cash out your crypto earnings straight from your wallet, making it more convenient than ever to enjoy the benefits of your digital assets. We want you to keep your crypto where it should be—in your wallet. With Spritz, your crypto stays in your hands right up until the moment you want to off-ramp it. After all, that's what crypto was made for! ### **How to Use Spritz🚀** Getting started with Spritz and the Off-ramp feature is a breeze: 1. **Download the Spritz App:** If you haven't already, download the Spritz app from your app store. 2. **Sign Up:** Create your Spritz account—it's quick, secure, and hassle-free. 3. **Verify Your Identity:** To ensure the safety and security of your transactions, we'll guide you through a light identity verification process. Don't worry, it only takes a few seconds. 4. **Connect Your Bank Account:** Link your bank account to your Spritz wallet for smooth and efficient transfers. 5. **Send Crypto to Your Bank Account:** Once your account is set up, you can easily send cryptocurrency to your bank account using the Off-ramp feature. ### **Why Choose Spritz?** - **User-Friendly Interface:** Our app is designed with simplicity in mind so that anyone, regardless of their crypto experience, can use it effortlessly. - **Security and Safety:** We prioritize the security of your assets and personal information, utilizing state-of-the-art encryption and security measures. - **Speed and Convenience:** With Spritz, you can enjoy swift and hassle-free transactions, reducing the waiting time associated with traditional financial systems. If you're in Canada and ready to use your crypto anywhere, sign up! Thank you for being a part of the Spritz community, and stay tuned for more exciting updates and features in the future. 🌟 Cheers to our Sprites from up North! 🥂🇨🇦 The Spritz Team🚀💰 --- # Announcing USDT and USDC on the TRON Network! > Spritz is thrilled to announce that we're now fully supporting USDT and USDC on the TRON network! Get ready for an epic crypto adventure like never before! 🍹💫 _2023-08-04 · Spritz Team_ The Spritz is thrilled to announce that we're now fully supporting USDT and USDC on the TRON network! Get ready for an epic crypto adventure like never before! 🍹💫 We've been listening to all of the  requests we’ve gotten, and we're proud to add TRON support to our platform. It's a major achievement for our hardworking team, and we're thrilled to make crypto even more hassle-free for TRON users! 💪🌐 One of the distinguishing features of the Tron network is its cost-effectiveness. With low transaction fees, Sprites can enjoy fast and affordable decentralized payments. Spritz makes it easy to use your crypto anywhere in the real world. You can use USDT and USDC on the TRON network to off-ramp, pay bills, or load your [SpritzCard](/blog/spritz-card-announcement) to spend anywhere, straight from your preferred TRON wallet! TRON's robust support for decentralized applications (dApps) and smart contracts opens up a world of possibilities for our Sprites. Developers on TRON can harness the full potential of DeFi, crafting innovative dApps that redefine the boundaries of crypto engagement in the real world with a Spritz API integration. This marks a significant step forward in our vision of empowering users to unlock the true potential of their crypto assets. With TRON as an integral part of our ecosystem, Spritz is refreshing what it means to go bankless. Embrace the future of finance with Spritz and the transformative capabilities of the TRON network. Now, let's dive into the crypto fun and see how easy it is to use USDT and USDC with TRON on Spritz: - Create or log into your Spritz account—it's your gateway to DeFi! 🏰🚪 - Add your bank account and routing number, or select your billing provider and account details. 💸 - Embrace the TRON excitement! Choose the TRON network and then select USDT or USDC as your payment option. ✨🌈 - With a click of a button, set up and send the transaction in your wallet—it's like stirring your favorite cocktail to perfection! 🍹🚀 [Sign up](/) for Spritz today to see what all of the buzz is about! --- # Spritz now supports Dash! Pay bills, off-ramp, or load your SpritzCard straight from your Dash wallet > We're thrilled to announce that Spritz now offers full support for Dash, bringing more excitement to your crypto journey. _2023-07-19 · Spritz Team_ We're thrilled to announce that [Spritz](https://app.spritz.finance/signin) now offers full support for Dash, bringing more excitement to your crypto journey. Whether you're looking to unwind, settle bills, or load up your [SpritzCard](/blog/spritz-card-announcement), now you can do it all with Dash! Just like the various tokens that we support on Ethereum, BNB Chain, Polygon, Bitcoin, Avalanche, Optimism, or Arbitrum, you no longer have to worry about when the real world will embrace Dash as a recognized payment method. [Dash](https://www.dash.org/), an open-source, decentralized cryptocurrency designed for universal acceptance, opens up a world of possibilities for the Dash community. With Spritz's integration of Dash, you can now leverage off-ramp and bill payment options that allow you to conveniently transact with Dash straight from your wallet. Say goodbye to unnecessary hurdles and experience the freedom of using Dash for everyday transactions. At Spritz, our commitment has always been to expand our network support, and we are elated to have accomplished this goal through the tireless efforts of our dedicated team. By diversifying the range of cryptocurrencies available on Spritz, we aim to alleviate your concerns about payment methods and provide a seamless experience for utilizing your hard-earned crypto. With Spritz, you can effortlessly off-ramp your crypto or settle bills directly from your self-custodial wallet with just a single click. It's as refreshing as enjoying your favorite drink on a sunny day! ## **How to off-ramp and pay bills with Dash** Using Dash on Spritz is a breeze! Here’s how: 1️⃣ Create or log into your Spritz account. 2️⃣ Enter your bank account and routing number into the off-ramp section of Spritz, or add your bills by selecting a billing provider and entering your account information. Don’t worry, this doesn’t give Spritz access to your accounts. 3️⃣ Enter your wallet information when you select Dash as a payment option. 4️⃣ Set up and send the transaction! That’s it! See how easy it is to use your Dash in the real world? --- # Now accepting Bitcoin! Make bill payments, off-ramp, or use your Bitcoin in the real world with Spritz > We’re so excited to share that we now offer support for Bitcoin on Spritz! Starting today you can off-ramp, pay bills directly from your Bitcoin wallet, or… _2023-06-20 · Spritz Team_ We’re so excited to share that we now offer support for Bitcoin on Spritz! Starting today you can off-ramp, pay bills directly from your Bitcoin wallet, or load a SpritzCard with Bitcoin to buy anything in the real world! Don’t worry, they don’t have to accept Bitcoin for you to be able to use it. Bitcoin was created with the intention of enabling a self-custodial financial system, but until it can be used in the real world, its limitations as a currency are quite significant. Today we’re thrilled to announce that we’re bringing real-world utility to Bitcoin with support on Spritz! Adding support for the Bitcoin network is important to us, and we’re happy to finally be able to offer more utility for Bitcoin users by enabling payments to any merchant, bank account, or billing provider in the United States with Bitcoin. Gone are the days when you have to sit around and wait for financial institutions to accept Bitcoin. Take control of your finances and use your crypto in the way it was meant to be used! ## **Refresh your finances with Spritz!** Spritz is DeFi’s bridge to the real world. With Spritz, you can off-ramp or pay bills with crypto directly from your self-custodial wallet in just the click of a button. Just create your account, add your billing accounts, and send a transaction! Spritz makes it easy to use your Bitcoin in the real world. You can also choose to load your SpritzCard, which will let you make payments at any merchant that accepts Visa—that’s over 11 million locations worldwide! Using your SpritzCard lets you unlock more real-world utility out of your crypto earnings with the click of a button. Just load your card, add it to your mobile wallet such as ApplePay or Google Wallet, and use your card as a payment method anywhere that accepts Visa! ## **Celebrate with us! Get $50 when you pay with Bitcoin** From now until the Fourth of July 🇺🇸 you can earn $50 by being one of the first 50 people to make $1000 or more in transactions using Bitcoin on Spritz! Anyone can qualify for this reward, you just have to be within the first 50 people to complete $1000 in transactions using Bitcoin before July 4 and we’ll add a credit to your account during the first two weeks of July! ## **How to off-ramp and pay bills with Bitcoin:** Using Bitcoin on Spritz is easy! Here’s how: 1\. Create or log into your Spritz account 2\. Enter your bank account and routing number into the off-ramp section of Spritz, or add your bills by selecting a billing provider and entering your account information. Don’t worry, this doesn’t give Spritz access to your accounts. 3\. Enter your wallet information when you select Bitcoin as a payment option. 4\. Set up and send the transaction! That’s it! See how easy it is to use your Bitcoin in the real world? --- # Announcing Spritz x DRIP Community Rewards > We’re excited to announce our partnership with the DRIP community! This partnership aims to bring more value to everyone in the DRIP community with up to… _2023-06-13 · Spritz Team_ The more bills you pay with Spritz, the more money Spritz puts into the DRIP community! This partnership aims to bring more value to everyone in the DRIP community with up to $35,000 in rewards! ## **Background** A few months ago we brought [support for the DRIP token](/blog/drip-token) on Spritz, which lets you pay bills, off-ramp, or load your SpritzCard with [$DRIP](https://drip.community/) straight from your wallet. We wanted to show further support for those of you who are active in the DRIP community and give you something that will give back! We’re proud to announce our new partnership with the DRIP community, which will enable rewards for DRIP users that go directly back into the token to increase value! We’re giving over $35,000 in rewards that will go back into the $DRIP token for the next two months, just by using your crypto in the real world. Check out the infographic further down to learn more about how you can help take $DRIP to the moon when you use Spritz! 🚀 ## **About Spritz** Spritz is your ticket to use your crypto in the real world. Take a sip of financial freedom by using Spritz to off-ramp, pay bills, or buy anything with thousands of tokens across 6 networks! Spritz bill-pay and off-ramp offers quick and easy ways to pay bills and move money into your bank account, while [SpritzCard](/blog/spritz-card-announcement) lets you load a prepaid Visa with crypto to spend anywhere. ## **About the DRIP Community** The DRIP community is a network dedicated to the first-ever deflationary, daily ROI platform. This decentralized community comprises thousands of DeFi users around the globe who use the DRIP faucet to trade and re-invest their $DRIP tokens. ## **Community Earn Program** The community earn program offers over $35,000 in rewards that can be earned by signing up new Spriz users, making payments through Spritz, or growing more active users in the Spritz community! Participating in this program can pump up your token and earn rewards that bring more value to DRIP! There are three ways to earn rewards through using Spritz, which is broken down below: The more you use Spritz, the more you earn towards rewards that make $DRIP even more valuable! Every two weeks, Spritz will calculate the amount of rewards earned and buy that amount of $DRIP to go back into the community. $DRIP will be purchased from the Drip Network site using $BNB and then sent to the vault. We will provide weekly snapshots of each of the three milestone values in a Tweet, including the blockchain transaction for the token buyback! ## ‍**How to get started** 1\. To register for the community rewards program, log in to your existing Spritz account or create a new one on Spritz [here](https://app.spritz.finance/drip). 2\. After logging in, connect a wallet that has interacted with the DRIP Network smart contract. You only need to do this once, and there is no special URL or code required. There won’t be any difference in how you see the Spritz app versus a non-DRIP holder. Once you connect your wallet, we’ll detect that you’re a drip user and will add you to the community earn program! ## ‍**Spritz and DRIP Community partnership** This partnership between Spritz and DRIP aims to bring more value to both our users and the DRIP community. By connecting with the DRIP community, Spritz is able to offer more opportunities for users to earn rewards while providing real-world use for crypto! We can’t wait to see how you use the DRIP community partnership. Lastly we would like to express our appreciation to Drip Coach for helping not only spearheading this project but also keeping his foot on the gas to help us get it across the finish line. --- # Show us how you Spritz! > Share a photo of how you use your SpritzCard on Twitter with your referral link and tag us for a chance to win $50 towards your card! We’re picking 4 random… _2023-05-25 · Spritz Team_ Share a photo of how you use your SpritzCard on [Twitter](https://twitter.com/spritzfinance) with your referral link and tag us for a chance to win $50 towards your card! We’re picking 4 random winners every week throughout the month of June. How are you using your SpritzCard? [Show us how](https://twitter.com/spritzfinance) on social media and be automatically entered to win $50 to put towards your card every week throughout the month of June! That’s a few rounds at happy hour, a ticket to see your favorite artist (or just the fees), a week of coffee runs, or the ingredients to make your favorite Spritz! Refresh your finances with the SpritzCard and get rewarded for being a member of our community. We’re picking 4 random winners every week throughout the month of June, so you have lots of chances to win! Entering the contest is easy. All you need to do is:   1. Take a picture of what you bought or where you used your SpritzCard 2. [Share it on Twitter](https://twitter.com/spritzfinance) with your referral link 3. Tag @spritzfinance in your post Once you do that, you will be entered to win $50 toward your SpritzCard! You can enter as many times as you’d like throughout the month of June, even if you’ve won before—but you can only enter once per week. The SpritzCard launched this spring, and since its launch we’ve loved hearing how you’re using it to buy anything with crypto out in the real world. Each week, four first-place winners will get $50 and four second-place winners will get $10 in Spritz credits. Using your SpritzCard is the fastest way to spend your crypto in the real world. Load your SpritzCard with any asset on our supported networks (Ethereum, BNB Chain, Polygon, Avalanche, Optimism, and Arbitrum) and instantly spend it anywhere that accepts Visa! That’s over 44 million merchants worldwide! We can’t wait to see how you use yours! --- # Announcing our partnership with VaporFi > We’re excited to announce that we’re partnering with VaporFi—the world’s most rewarding DEX. Together we’re bringing more value to DeFi with real-world crypto… _2023-05-22 · Spritz Team_ We’re excited to announce that we’re partnering with VaporFi—the world’s most rewarding DEX. Together we’re bringing more value to DeFi with real-world crypto payments to any bill or bank account in addition to the SpritzCard, which lets you load a prepaid Visa with any crypto and spend it anywhere, instantly! With Spritz, you can off-ramp or pay bills directly from your preferred crypto wallet with any token on Ethereum, BNB Chain, Polygon, Avalanche, Optimism, or Arbitrum. By providing a seamless and convenient experience, Spritz empowers you to go bankless and refresh your finances. ## **About VaporFi** VaporFi believes in the future of decentralized finance and used that philosophy to create its revolutionary DEX. Swap, stake, and create liquidity pools in the VaporFi exchange while you dive deeper into the world of DeFi with lower fees and more options to earn. Access even more features with fiat on and off-ramping, a multichain bridge, and built-in aggregators to find the best swap rates. VaporDEX is a core solution of VaporFi’s ecosystem of products. VaporDEX includes Stratosphere, the world’s first loyalty program in DeFi built for spanning multiple products and solutions in the ecosystem. Stratosphere membership is free and members can easily link their wallets to earn across the ecosystem, regardless of the wallet that is in use. ## **Spritz x VaporFi** We’re collaborating with VaporFi to enhance our presence and engagement within the VaporFi community! VaporFi users can enjoy 10% off on Spritz fees for all transactions just by holding the Stratosphere NFT in your wallet! This exciting partnership will involve joint efforts across multiple channels, including social media platforms and Discord announcements. Additionally, both VaporFi and Spritz will come together to host engaging AMA sessions, allowing our communities to directly interact and gain insights from our teams. We also plan to integrate a Spritz widget into VaporDEX as part of a phase-two deliverable. This integration will create a more seamless experience across DeFi by allowing you to swap, manage your crypto, and integrate it with your real-world finances all in one place. ## **How to register for Spritz through VaporFi** Stratosphere members will receive 10% off their membership, and signing up is automatic. Here's how to get started: 1. Access the app: [app.spritz.finance](https://app.spritz.finance/signup) OR the website: [spritz.finance](/) 2. Connect your wallet containing your Stratosphere NFT You're all set to receive 10% off Spritz fees for all transactions! Stay tuned for more updates as this partnership continues to unfold, unlocking new possibilities and expanding the horizons of the decentralized ecosystem. In the meantime, learn more about VaporFi and the Vapor DEX [here](https://www.vapordex.io/)! --- # Spritz Community Update: March 2023 > Spring is here, Sprites! We spent the winter adding tons of new features to Spritz, like new chains and tokens, UX fixes, and a couple of big features that we… _2023-04-03 · Spritz Team_ ## 💳 SpritzCard is here! Load with crypto and pay for anything IRL This month we launched two big new features, SpritzCard and SMARTPay! [SpritzCard is a prepaid virtual card](/blog/spritz-card-announcement) that you can load with any crypto on Ethereum, BNB Chain, Polygon, Avalanche, Optimism, and Arbitrum and use to pay for things in the real world. Use your SpritzCard to make purchases online, or add it to your mobile wallet such as Google Wallet or Apple Pay to easily pay for anything with crypto! Your SpritzCard is accepted anywhere that accepts Visa, which is millions of merchants worldwide! To sign up for your SpritzCard, head to the Spend tab in the Spritz app to get started. Once your card is all set up, you can load it with crypto and make purchases anywhere! [**Get SpritzCard**](https://app.spritz.finance/card) ## 🔁 SMARTPay: Recurring crypto bill payments from any wallet For months we’ve seen you asking for the ability to make recurring bill payments, and now it’s here! This month we launched [SMARTPay](/blog/introducing-smartpay-recurring-crypto-bill-payments), which you can use to set recurring transactions on your bills when you pay with USDC on the Polygon network. As a thank you for using Spritz every month, we’re covering all gas fees on SMARTPay transactions! Enjoy a lower cost way to pay your bills with crypto and get back your valuable time. To set up a SMARTPay transaction head to the bill-pay section of the Spritz app and click “Set up recurring payment” in the bill you want to pay. Then follow the prompts to set the amount you want to pay each month, and how long you want the SMARTPay subscription to go for. That’s it! [**Set up SMARTPay**](https://app.spritz.finance/bills/main) ## 🔐 2FA now available We care about your security and trust in Spritz, so we added the ability to implement 2-factor authentication on all Spritz accounts that were made with a username and password sign-in. (If you’ve signed up through your Google account, you don’t need to set up 2FA through Spritz.) To set up your 2-factor authentication, head to your profile settings in the Spritz app and scroll to the bottom, then click on the button to set up 2FA and follow the instructions to get started. ## 📝 How to pay a credit card with crypto in 2023 There are lots of ways to pay a credit card with crypto in 2023 when you use Spritz—or you can load your SpritzCard to use your crypto instantly, anywhere! The rest of the world might still be in the past, but we’re in the future. [Check out our blog post](/blog/pay-credit-card-crypto) this month to learn everything you need to know about how to pay a credit card with crypto! ## 🤔 AMA with Jamzee: Find out the easiest way to convert crypto to fiat This month our founder and CEO Chris Sheehan was busy doing AMAs all over the online sphere. We love getting to know you all through these AMAs and they’re a great way to ask any questions that you might have about Spritz! Keep an eye out for lots of upcoming AMAs and check out our AMA session with Jamzee [here](https://www.youtube.com/watch?v=z20Wnx9iPZo)! ## 💧 DRIP community integration Welcome to the DRIP community! We’re thrilled to be able to offer a wider [integration with $DRIP](/blog/drip-token), and now you can off-ramp, pay bills, or load your SpritzCards with your $DRIP earnings straight from your wallet! We’re working to bring even more integrations to Spritz in the future, so [let us know](https://spritz.canny.io/tokens-blockchains) if there is a coin or token out there that you would love to be able to use to pay bills or make purchases IRL. We love hearing from you! Let us know how you’re liking Spritz so far by tagging us on social media (we’re @SpritzFinance on Twitter, TikTok and Instagram!) or you can keep up with us in [Discord](https://discord.com/invite/Spritz). Cheers! The Spritz Team --- # How to pay a credit card with crypto in 2023 > Spritz makes it easy to do things like pay your credit card with crypto, or even use your crypto to make everyday purchases with the SpritzCard itself! Here’s… _2023-03-31 · Spritz Team_ One of the biggest challenges in the crypto space is that it’s hard to use your crypto in your everyday life. If you want to pay your bills or make purchases with your crypto, you might have to jump through hoops unless you use an app like [Spritz Finance](/) to make it happen. Spritz makes it easy to do things like pay your credit card with crypto, or even [use your crypto to make everyday purchases with the SpritzCard](/blog/spritz-card-announcement) itself! Here’s everything you need to know about how to pay a credit card with crypto in 2023: ## Pay your credit card with crypto directly Spritz offers lots of ways to use your crypto in your everyday life. The [Spritz bill-pay feature](/blog/pay-bills-crypto) lets you connect billing accounts like your credit cards to be able to pay for your credit card with crypto in a single transaction. To connect your credit card to Spritz, open an account and head to the billing section to add your bill. Next, search for your billing provider or do an automatic bill search to find your bills in seconds. Finally you’ll have to verify your card information—either by entering your card number or verifying the account information that we find. Once that’s done, you can make a bill payment straight from your wallet! You can pay your credit card with any asset on the Ethereum, BNB Chain, Polygon, Avalanche, Optimism, or Arbitrum networks! That means you can pay your credit card with ETH, BNB, DRIP, or even JOE token! To pay your credit card with crypto, click “Pay with crypto” on the bill you want to pay in the bill pay section of your Spritz profile. Then set the amount you want to pay, select the asset, then approve the token and confirm the payment in your wallet. That’s it! ## Set it and forget it with SMARTPay You can even set recurring payments to your credit card bill using [SMARTPay when you pay with USDC on the Polygon network](/blog/introducing-smartpay-recurring-crypto-bill-payments). This will save you on gas fees (we take care of gas fees on SMARTPay transactions!) and make it so you can set your payments and forget them! To set up a recurring payment, select the “Set up SMARTPay subscription” in the bill-pay section and follow the prompts to determine how much and how often you would like to submit a payment. ## Off-ramp crypto to your bank account We get it, sometimes you have your financial habits set up a certain way. With the [Spritz off-ramp](/blog/off-ramp-centralized-exchange) you can send crypto to your bank account straight from your wallet in a single transaction. Then you can pay any bill—from your credit cards to your Netflix account—with crypto! To set up and off-ramp payment, add your bank account information in the off-ramp section and follow the prompts to off ramp crypto just like you would a bill payment! ## Load your SpritzCard to use your crypto IRL The [SpritzCard is a prepaid digital card](/blog/spritz-card-announcement) that you can load with crypto to spend in the real world. You can use your SpritzCard to make payments online, or add it to your mobile wallet like Apple Pay or Google Wallet to pay for things in the real world. Use your SpritzCard anywhere that accepts Visa—that’s millions of locations around the world where you can spend your crypto! ​​Loading your SpritzCard is designed to be quick and easy! Here’s how to add funds to your card: 💳 Open up your SpritzCard in the app, then click “fund with crypto” to get started. 🪙 Choose which asset you’d like to load onto your card, then set the amount. ✅ Confirm the transaction in your wallet. That’s it! You’re ready to start spending. There are lots of ways to pay a credit card with crypto in 2023 when you use Spritz—or you can load your SpritzCard to use your crypto instantly, anywhere! The rest of the world might still be in the past, but we’re in the future. Refresh your finances with a Spritz account today to catch up! [Sign up for Spritz](/) to get started, or join our [Discord](https://discord.com/invite/Spritz) to get in touch! --- # Announcing integration with the DRIP community > Now you can pay bills, off-ramp, or load your SpritzCard with $DRIP token directly from your wallet on Spritz! _2023-03-29 · Spritz Team_ Over the last several months we’ve gotten lots of requests from those of you in the $DRIP token community to add $DRIP integration into Spritz. Adding the integration required some extra work on our end, but we’re happy to announce that the token is now available! Now you can pay bills, off-ramp, or load your SpritzCard with $DRIP token directly from your wallet on Spritz! To make a payment or transaction with $DRIP token, select the token in your wallet when off-ramping, paying a bill, or adding funds to your SpritzCard. Spritz is bringing more use cases to individual token communities like $DRIP by allowing holders to use their earnings in the real world. Off-ramp your crypto to your bank account straight from your wallet, use it to pay bills in one transaction, or load it onto your SpritzCard and pay for anythin! ## Here is how to make a payment with $DRIP from your wallet: 1\. Connect your preferred wallet to Spritz. 2\. Pick which type of transaction you would like to do: Pay a bill, off-ramp crypto to your bank account, or load it onto your SpritzCard to use IRL. 3\. Click on the button to start a transaction, then pick $DRIP in the list of assets you’d like to pay with. 4\. Set the amount you’d like to pay, then follow the button prompts to complete the transaction in your wallet! You’re done! We’re thrilled to bring $DRIP integration to Spritz to be able to offer everyday use cases to the DRIP community. At Spritz we believe that crypto should be easy to use in the real world, and we’re making that happen with our bill-pay, off-ramp and pre-loaded card! Let us know what you’d like to see from Spritz in the future, and where you’re using your $DRIP tokens in the real world by tagging us on Twitter @SpritzFinance or heading to our Discord [here](https://discord.com/invite/Spritz)! Cheers! The Spritz Team --- # Announcing SMARTPay: Recurring crypto bill payments from any wallet > We’re thrilled to bring recurring bill payments to life with the launch of SMARTPay in the Spritz app. SMARTPay lets you schedule recurring payments to your… _2023-03-28 · Spritz Team_ **TL;DR** The ability to make recurring payments has been one of our most-requested product features since we launched Spritz last year. Today, we’re thrilled to bring that feature to life with the launch of SMARTPay – letting you schedule recurring payments to your monthly bills and enjoy zero gas fees by signing a single transaction from your wallet that will let you truly set your payments and forget them. Starting today you can schedule recurring bill payments on Spritz using the SMARTPay feature—which offers gasless, monthly transactions to the bills you’ve connected to your Spritz account. You can set up a SMARTPay recurring payment plan with any bill when paying with USDC on the Polygon network. ## Here are just a few of the many things you can get out of SMARTPay! 💸 Set it, forget it! Sign one transaction and your bills are automatically paid each month ⛽ Pay ZERO gas fees! SMARTPay transactions are the Tesla of Spritz! 🧘 Spend less time looking at a screen. Sit back & relax!**🏂** You’re a DeFi pro now—crypto and fiat are one in the same. Look at you doing it all from our smart contract! We created the SMARTPay feature to be an easy to use integration into the existing bill-pay experience. Now you can set up recurring payments using your crypto with the click of a button, and sign just one transaction for up to a year’s worth of planned monthly payments to your billing account. ## Here is how to set up a SMARTPay plan: 1\. Head to the Spritz app and open up the bills section, then pick a bill you want to set up automatic monthly payments for. 2\. Click on “Set up recurring payment” to set up a SMARTPay subscription—this will automatically pay your bill each month without having to make individual transactions each time. 3\. Set up the details of the recurring payment, like how much you’d like to put towards your bill, which day you’d like the payment to send, and how many months you’d like to repeat the subscription for. Currently, we can only support SMARTPay subscriptions when paying bills with USDC on the Polygon network. 4\. Click “Set up recurring payment” to confirm the transaction plan, then sign it in your wallet to approve the planned transactions on the network. You’re done! See how easy it is to get your bills paid each month? SMARTPay is truly the most effortless crypto bill pay experience out there, and we can’t wait to see what you do with it! Spritz lets you get more real-world value out of your crypto, whether you’re earning crypto in Web3, earn as a DAO member, play games in the metaverse, trade NFTs, or are a member of the growing DeFi landscape. ## SMARTPay FAQs **How do gasless transactions work?** This one’s on us! When you set up a transaction using SMARTPay, we’ll cover the gas fees on our end. Consider it a little reward for setting up monthly payments on your bills with crypto! **Does SMARTPay work for any type of bill?** Yep! You can create a SMARTPay recurring payment with any bill in your Spritz account. **Which networks and tokens can I create a SMARTPay recurring payment on?** Currently you can only create a SMARTPay subscription when paying a bill with USDC on the Polygon network, but we’re working on expanding soon! **How does Spritz ensure my funds are safe if I don’t have to sign the transaction each month?** Great question! SMARTPay transactions are bound to your specifications and only allow us to pull the specified funds from your wallet on the date and for the amount that you set when you create the transaction subscription. ## Here are some tips for getting the most out of SMARTPay: - Make sure you have the amount for the bill payment in your wallet each month. If the payment fails, you’ll have to manually set it up again. - You can only set up one payment plan per bill, so we recommend setting it up to cover at least the minimum amount due each month. - SMARTPay is limited to bill-pay for now, but we may expand it to off-ramp in the future! - If you want to change the conditions of your monthly payments, you’ll have to cancel your subscription and set it up again under the new terms. - You’ll only be signing one transaction signature for all of the payments, but we’ll send you a reminder each month before the payment goes out. - Don’t worry about gas fees, that one’s on us! Let us know what you think of SMARTPay in our [Discord](https://discord.com/invite/Spritz), or if you have another idea for a product feature you’d like to see at Spritz, request it [here](https://spritz.canny.io/feature-requests)! Cheers! The Spritz Team --- # Announcing the SpritzCard - load with crypto and pay for anything IRL! > The SpritzCard is the fastest way to pay with crypto in the real world. Just load your favorite crypto onto the card and it’s ready to make a purchase… _2023-03-22 · Spritz Team_ **TL;DR** The SpritzCard is the fastest way to pay with crypto in the real world. Just load your favorite crypto onto the card and it’s ready to make a purchase anywhere IRL. We’ll handle the swap so that you can start making payments within minutes! We’re finally ready to announce the arrival of the SpritzCard—a prepaid debit card that lets you pay with crypto anywhere in the world. Starting today, Spritz users can open a SpritzCard, load it with crypto and instantly make payments IRL anywhere that accepts Visa. That’s over 44 million locations in over 200 countries around the world. The SpritzCard is a digital debit card that you can use to make payments in the real world. When you load crypto onto the card, we’ll swap it for fiat so you can spend it anywhere. No need to worry about finding somewhere that accepts crypto! ## How to open your new SpritzCard Your new SpritzCard is ready for you in the Spritz app! Here’s how to open it: 1\. Log into the app and click “Spend” in the top menu. 2\. Follow the prompts to open up a new card account. 3\. Once the information is verified your new card will be ready to load with crypto! The whole process should only take a couple of minutes. ## How to load your SpritzCard Loading your SpritzCard is designed to be quick and easy! Here’s how to add funds to your card: 💳 Open up your SpritzCard in the app, then click “fund with crypto” to get started. 🪙 Choose which asset you’d like to load onto your card, then set the amount. ✅ Confirm the transaction in your wallet. That’s it! You’re ready to start spending. ## SpritzCard FAQs **Will I get a physical card in the mail?**‍ For now the SpritzCard is digital only, but you can add it to your Apple or Google Wallet to make payments at vendors in the real world. **Can I remove funds from my SpritzCard once I add them?** Once funds are added to your card, we have no way to remove them. You’ll have to spend the funds to get money off of the card. **How does Spritz keep my card information secure?** The card number that is issued to you is only visible to you—we can’t even see it! This helps keep your information secure but also means you’ll have to keep track of your card information on your own. **Is the SpritzCard a bank account or credit card?** Nope! The SpritzCard is a reloadable virtual card that works similar to a Visa gift card. We don’t run a credit check to issue you a card. **Can I transfer funds that I put on my SpritzCard into my bank or bill-pay account?** Once funds are on your SpritzCard we cannot return or transfer them, so you'll have to spend the funds in order to get them off the card! Thanks for being a Spritz user during our beta! We’re working to bring even more new features to Spritz that will let you refresh your finances and bring your DeFi life into the real world. We want you to be able to easily use the crypto you earn in the real world, so let us know what you need in order to make that happen! [Join our Discord](https://discord.com/invite/Spritz) to keep up with our community, or let us know what features you want to see from Spritz [here](https://spritz.canny.io/feature-requests). Cheers! The Spritz Team --- # Spritz Community Update: February 2023 > Happy March, Sprites! We can’t believe it’s been another month! Love was in the air last month so we just want to take a moment to say that we also 🧡 you,… _2023-03-07 · Spritz Team_ ## 🌟 March Spritz Blitz Referral Challenge To kick things off this month we’ve got our March Spritz Blitz Referral Challenge. We got a lot of great feedback on our last Spritz Blitz in December, so we took some time in February to come up with a new one! We’ve welcomed a lot of new users to Spritz over the past couple months, so we’re excited for you to help grow the Spritz community and spread the word to your DeFi friends. Our referral program lets you earn $50 for every new Spritz user that you invite to the app with your referral link. Once a user signs up through your link and completes a $50 transaction, you both will get $50 as a reward. The Spritz Blitz Referral Challenge will give you even more opportunities to earn big!\* Here’s what’s up for grabs: 🍹 Happy Hour - Bring a Friend: Refer one user and get an extra $10 after they complete their first $50 minimum payment for a total of $60. 🍹🍹 Seein’ Double: Refer 2 people who complete a $50 payment, get an extra $20, plus a Spritz coaster and POAP. 🍹🍹🍹 Seein' Triple: Refer 3 people who complete a payment (min $50), get an extra $30, plus a Spritz T-shirt, coaster and POAP. \*To qualify for the prizes, you must meet the referral requirements on or before March 31, 2023. This means that your referrals must sign up to Spritz, verify their accounts, and complete their qualifying $50 payment before the end of the month. The March Referral Challenge will run from March 8-31, 2023. You can share your unique referral code from the rewards section of the app. ## 💳 Beta Launch of Spritz Card & SMARTPay: How to request beta access Our two biggest announcements from February are here! We’re excited to reveal the Spritz Card and SMARTPay features, which will a) let you load a prepaid debit card with crypto to spend in the real world and b) make recurring payments to your bills via gasless transactions handled through our smart contracts. We’re beta testing both features now, so if you haven’t already requested early access to provide us with feedback, just reach out to us in the customer support chat or in [Discord](https://discord.com/invite/Spritz) to request either or both features! We’re looking for beta testers who are willing to use both features as soon as possible. ## 👯 Spritz Affiliate Program The Spritz Affiliate Program is designed for three types of Spritz partners: crypto & DeFi content creators, media publishers (large or small), and web3 community partners who want to promote Spritz with their audiences. Spritz affiliates will get login access to a dedicated affiliate portal with the ability to share their unique affiliate link or referral code, which can be used within any content they create. When new users sign up for Spritz via the affiliate link (or referral code) and complete their first $50 qualifying transaction, affiliates will earn an upfront referral reward, plus participate in revenue share opportunities (based on each referral’s transaction fees), up to one year. Referrals will continue to earn $50, similar to our Refer a Friend program. Best yet, for select partners, our team can work together with you to design custom rewards and a group incentives program via Community Quests in the app, where all referrals and your entire community can benefit by completing various payment goals and milestones! Want to apply? Click the link below! [**Apply now**](/affiliate-program) ## 📮 New bill types added this month As a crypto bill-pay platform, we’re dedicated to—you know, actually letting you pay your bills with crypto straight from your web3 wallet. This month we added dozens of new bill types to Spritz which are now payable in our system! Check on the new bills we added [here](https://spritz.canny.io/bills?status=complete) or request a new one if you can’t find it in the app. Remember: If you can’t yet find a bill, you can also easily pay it from your bank account by using the Spritz Off-ramp, while you wait for us to add it! Just off-ramp the funds to your bank account and pay the bill with fiat as you did back in the day before you went on chain. [**Request your bills**](https://spritz.canny.io/bills) ## 🪩 AMAs with Cardinal House & BENQI This month our founder and CEO Chris Sheehan did two AMAs with Cardinal House and BENQI. In the AMAs Chris talked about the inspiration behind Spritz, the future of DeFi, and what’s next for Spritz with new products like the Spritz Card and SMARTPay! Listen to a recording of the BENQI AMA [here](https://twitter.com/BenqiFinance/status/1628394064117907462?s=20) and keep an eye out for upcoming interviews and AMAs in the coming months! Have anyone you’d love to see Spritz chat with? Let us know in Discord who your favorite content creators and communities are in Web3! That’s it for this month! We’ve got our heads down and our eyes focused on some new features that are coming soon to Spritz! Want a hint on what these features are? Let’s just say more Spritz team members are going to have access to the app soon, and they might be able to use some new coins. 😉₿🌎 Cheers! The Spritz Team --- # How to save time and money by off-ramping through Spritz vs. a centralized exchange > Whether you’re off-ramping your earnings or just want to cash out on some crypto you’re not using in Web3, having to go through the off-ramping process is… _2023-03-06 · Spritz Team_ Any crypto user is fully aware of how time consuming it can be to off-ramp crypto into your bank account. Whether you’re off-ramping your earnings or just want to cash out on some crypto you’re not using in Web3, having to go through the off-ramping process is annoying and takes a lot of time. At least, the old way. Spritz makes off-ramping a breeze by letting you off-ramp crypto or pay bills directly from your self-custodial, Web3 wallet in just one transaction. One of the primary blockers in mass adoption of Web3 is the UX of blockchain platforms. Blockchains are complicated to operate with the current Web3 infrastructure, which is to say it does not integrate easily with the real-world. Centralized exchanges are convenient for day traders and casual crypto investors, but they don’t enable day to day use of Web3 platforms. On the other hand, Web3 platforms might offer real utility—from metaverse activations and video games to DeFi platforms and DAOs—but users still face UX challenges having to navigate these systems to use and off-ramp their crypto into the real world. Single transaction off-ramping and crypto bill pay is a step toward making crypto more accessible to everyone. ## How to off-ramp crypto through a centralized exchange: If you keep your crypto in a self-custodial wallet you have a couple of options when you want to off-ramp it into your bank account to use in the real world: you can go through a centralized exchange, or you can keep it in your wallet and use Spritz. To off-ramp through a centralized exchange, you will have to send the crypto that you want to off-ramp to the exchange and then swap it for fiat currency to send to your bank account. Some tokens are not available to swap on centralized exchanges, so it’s a good idea to check first if the token you want to off-ramp is available on the exchange. If it isn’t available, you will need to swap it on a decentralized exchange first for a token that is available, like the Ethereum native token or Polygon’s MATIC. Once you send your crypto to a centralized exchange you can swap it for fiat currency and off-ramp it to your bank account. Some centralized exchanges, like Coinbase, will off-ramp any cryptocurrency that you exchange for fiat all in one transaction as you sell it. Others may require you to swap it for USD first and then send it to your bank. ## How to off-ramp crypto with Spritz: Off-ramping crypto with Spritz is easier and faster than off-ramping through a centralized exchange. Spritz lets you off-ramp any token or cryptocurrency on any of the six blockchain networks that we support: Ethereum, BNB Chain, Avalanche, Arbitrum, Polygon, Tron, Bitcoin, Optimism, and more. That’s thousands of tokens and native coins across some of the most popular blockchain networks in Web3! To off-ramp crypto on Spritz, just connect your wallet to the Spritz app. Then add your bank account and routing numbers in the off-ramp section of the app, approve the token in your wallet, and send a transaction. That’s it! One of the biggest benefits to using Spritz is that you limit how many transactions you have to make in order to off-ramp your crypto. That’s less time spent handling your money, and less money you have to pay in fees and taxes overall. Now you can keep your crypto working for you by keeping it in your wallet, and take out only what you need, when you need it. Cheers! For reference, here's our fee structure: ‍ **1\. Fee Structure**: Fees are incurred only during crypto transactions. This includes both crypto-to-fiat and fiat-to-crypto transactions. Good news: there are no fees for using your debit card or maintaining your Spritz account! - Fees are a combination of a percentage of the transaction amount and a fixed minimum value. This varies based on: - The type of token (e.g., USDC, ETH) - Blockchain network (e.g., Polygon, Bitcoin) - Type of transfer (e.g., card load, bill-pay) - The actual fee is the greater of: - A percentage fee of the transaction amount - A set minimum fee **2\. Crypto to Fiat Transactions**: - **2.1 USDC Stablecoin on EVM Networks**: - Base fee: 0.5%. - Applies to networks like Ethereum, Polygon, and others. - Surcharges for specific transactions and larger volumes are applicable. - **2.2 Other Tokens and Networks**: - Fees vary depending on the token and the network used. - Different rates for stablecoins and other tokens like BNB, Bitcoin, Dash. - **2.3 Rapid Pay Option**: For transactions over $1,000, an additional 0.5% fee applies. - **2.4 Minimum Fees**: Specific minimum fees apply to different types of transactions (e.g., bank transfer, virtual card load, bill-pay). **3\. Fiat to Crypto Transactions**: - A flat 1% fee on all transactions. - Additional $20 charge for wire transfers. - For international users, please refer to the 'Fees: Across the Globe' section. **Fees: Across the Globe**: - For those outside North America, Spritz offers a clear fee structure with a 1% flat fee for bank transfers and on-ramp services, and the same virtual card load/top-up fees as in the US and Canada. --- # Spritz Community Update: January 2023 > We’re feeling great about 2023, starting with a couple of surprises that we have up our sleeves for the first quarter! Learn more about what’s on the horizon… _2023-01-31 · Spritz Team_ ## 💸 A taste of 2023 This month we’ve had our heads down working hard to bring new crypto payment features to Spritz. We’re not quite ready to roll them out, but we can give you a little peek at what we’re mixing up behind the bar! In the coming weeks we’ll be getting ready to launch new products like SMARTPay, which will let you schedule recurring monthly bill payments to any bill when you pay with USDC on the Polygon network. We’re also working on other special features, like a pre-loaded debit card that you can fund with crypto straight from your wallet, Spritz for Business, and payment support on new blockchain networks that even Satoshi himself would approve of. 😉 This year you can also expect to see Spritz launch in new places! Our international Sprites have been asking, and we’re working hard to bring the Spritz product to new countries as soon as possible. We’re looking at you cool neighbors to the North! Want to see something specific from Spritz? [Check out our features request page here](https://spritz.canny.io/feature-requests) to make suggestions, upvote projects on our roadmap, or just see what we’ve got planned for 2023! If you’d like to beta test some of these upcoming Spritz features, such as recurring payments through SMARTPay, be sure to join [our Discord](https://discord.com/invite/Spritz) and request access to the #beta-testers-chat channel. Let us know what you’re most interested in and we’ll coordinate how to provide you with early access and collect your feedback. [**Join Discord**](https://discord.com/invite/Spritz) ## 📝 Spritz Customer Survey We’d also love to learn more about you! As we expand Spritz to new blockchains and products we want to know more about how our users interact with the crypto and Web3 ecosystem. Where do you get your news from? Where are you hanging out? Let us know, and we’ll use that as we come up with ideas for new product integrations and partnerships down the road! Fill out our survey below! [**Complete Survey**](https://ck868kavqfc.typeform.com/spritz-finance) ## 🤔 AMAs with our founder, Chris Sheehan This month our founder Chris Sheehan spent some extra time in the URLverse answering your burning questions. What’s next for Spritz? How far ahead of time do you need to pay your bills? How does Spritz work? Will Spritz launch a token? How does Spritz handle security? Check out some of the AMAs that Chris was on this month, including these ones from [YaBonks](https://www.youtube.com/watch?v=Q5RS1NynxzY) and [Zach Humphries](https://www.youtube.com/watch?v=Ul4m74Ot4I8), or these walkthroughs of the platform from [Austin Clark](https://www.youtube.com/watch?v=uXGdBExqeS0) and [Your Friend Andy](https://www.youtube.com/watch?v=ns-k65raB6g). This month we’ve been working to build our Spritz community through more outreach, content partnerships, and community building.If you’re a content creator yourself, stay tuned for more details on the upcoming launch of our Spritz Affiliate Program with opportunities to earn exclusive rewards, revenue share, and more! ## 📱 Spritz on TikTok Speaking of content creators, are you following Spritz on TikTok? We’re working hard over there to share tips and tricks on how to go bankless, how to use Spritz to pay bills with crypto and off-ramp to your bank account, or what you can do with DeFi today. [Check out our TikTok right here](https://www.tiktok.com/@spritzfinance) and throw us a like! [**Visit SpritzTok**](https://www.tiktok.com/@spritzfinance) ## 🐛 Bug fixes & improvements to Spritz! Unlike a real Spritz, making a web product isn’t as simple as following a recipe. We’re refreshing finance for web3 users, so we’ve got a lot of taste testing to do before the final product is perfect. Thanks so much for being part of our beta community, you’ve helped us fine-tune the details as we make Spritz even better. This month we’ve worked on quite a few updates that should make Spritz easier and better in the future! Check them out: - UX changes that guide you through how to make a transaction with a new token for the first time. - Fixes to our automatic bill finder that will make it easier to find and add your bills with the click of a button. - Updates to our list of supported billing providers—we’ve added dozens of requested US billers this month! - Improvements to our customer support system that lets us work with you faster. Check out the improved Spritz app and let us know what you think! [**Pay a bill**](https://app.spritz.finance/bills/main) ## 🌾 Ultimate guide to yield farming So many of you are earning passive income through yield farming and other staking opportunities in the crypto space. That’s awesome! We thought we would take some time to share everything that we know about yield farming—from passive income opportunities on our supported networks to what you need to know about it to get started from scratch. Yield farming is a great way to earn in crypto, so let us know whether you’re going to check out all of the opportunities that are out there! [**Learn more**](/blog/guide-yield-farming) Thanks for hanging out with us this month! We can’t wait to show you all of the new features coming to Spritz this year. Let us know [here](https://spritz.canny.io/feature-requests) what you’d like to see in the future, or check out our [Discord](https://discord.com/invite/Spritz) community to get involved and just get to know us on a personal level. We promise, we’re pretty fun! Cheers! 🍹 The Spritz Team --- # The ultimate guide to yield farming > Yield farming is a great way to make passive income by investing crypto you already have into liquidity pools to create passive income with high APY… _2023-01-20 · Spritz Team_ What if you were able to make more crypto using crypto? That sounds good, doesn't it? Well, you can with yield farming. You've probably heard of yield farming, but if you're new to DeFi, it might be somewhat unfamiliar. Yield farming is a great way to make passive income by investing crypto you already have into liquidity pools to create passive income with high APY opportunities. Once you start earning through yield farming opportunities on Avalanche, Ethereum, Polygon, BNB Chain, Optimism, or Arbitrum you can off-ramp your earnings or pay bills with crypto directly. Yield farming has quickly become one of the most popular ways to grow wealth in the cryptocurrency industry. Whether you're a beginner or an experienced crypto enthusiast, this comprehensive guide will cover all of the important aspects of yield farming and explore how it works, its history and benefits, which services to use and how to navigate risks involved to maximize your financial gains. Get ready to maximize your profits through yield farming! ## What is yield farming? Yield farming involves locking in crypto assets for passive income generation. An annual percentage yield (APY), is a common representation of this type of income. In other words, it measures the future return on an investment. There are tons of opportunities to earn yield on just about any major layer-1 blockchain network. Avalanche, BNB Chain, Polygon, and Ethereum have some of the most lucrative yield farming opportunities out there today, from the yield farming opportunities on PancakeSwap to liquidity providing on platforms like Aave. It is important to account for another metric in yield farming - APR (annual percentage rate). APR doesn't consider compounding interest, which accumulates both on the initial deposit and on the periodic accumulated interest, unlike APY. Initially, the main focus of yield farming was on providing liquidity for decentralized exchanges (DEXs), with investors using their capital to provide tokens that could then be traded and exchanged between users. However, soon after its introduction other protocols began to emerge which allowed users to stake their assets in order to earn additional rewards. This led to the emergence of a brand new industry known as DeFi, which has since grown into one of the most popular markets in crypto today. In 2020, Yield Farming reached the mainstream thanks to its rapid growth in popularity and profitability, with numerous products being launched that incentivize investors through various reward programs such as staking pools and flash loans. As more people become aware of yield farming opportunities they are able to take advantage of these protocols and maximize their profits through careful management and research. With this newfound interest from everyday investors, we can expect plenty more innovation within the space over upcoming years! There are several different types of yield farming: - **Staking:** To secure and verify their respective networks, smart contract blockchain networks such as Ethereum (ETH), Algorand (ALGO) Ethereum, Avalanche (AVAX), Solana (SOL), Cardano (ADA), and  Fantom (FTM) use proof-of-stake (PoS) consensus algorithms. A PoS node holds the entire blockchain record and validates new transactions as they come in, earning a reward for doing so. Users can stake their crypto into a node to earn passive rewards through their investments. The blockchain allows traders to utilize the technology while giving validators a cut, similar to yield farming by staking in traditional liquidity pools. - **Providing liquidity:** When trading two tokens, such as ETH and USDT, a liquidity provider will lock in their funds on either side. A liquidity pool is a pool of funds that are locked in a smart contract, which serves the same purpose as a bank vault. Liquidity providers (LPs) then earn income from yield earned by providing that liquidity. - ‍**Lending and borrowing:** Traders can also lend and borrow their tokens to earn a passive income. Lending tokens allows holders to earn a return on what they’ve lended, while borrowers will borrow crypto in order to invest it and make a return through that. Once they see returns on their investments, they can pay back the initial loan and keep the profits. This is a higher risk investment opportunity, especially in volatile market periods, but one that is popular nonetheless. ## Why do people get into yield farming? Yield farming is a great way to earn returns on crypto without actively trading it. There are lots of ways to earn in DeFi, and yield farming allows investors the safety of being able to earn without having to stay glued to market conditions. Yield farming has flourished in the last couple of years, especially in bad market conditions where traders can earn passive income without actually making trades and selling their assets. Yield farming tips: - Decentralized apps pay interest when people invest or lend their coins. A crypto asset's demand determines the interest rate. - Daily interest is paid out in new crypto coins. - As the value of these new coins increase, so does the overall value of the invested assets. - It is better to do this than to store crypto in a wallet without using it. - Compared to other passive income sources, interest, transaction fees, token rewards, and price appreciation offer a higher return. - Yield farming is an inexpensive alternative to mining, which requires specialized equipment or a large down payment to become a validator on a Proof-of-Stake network. ## Best yield farming opportunities: **Aave** is a liquidity protocol that uses open-source software to enable lending and borrowing on the Ethereum network. The protocol creates liquidity pools that let you earn yields from lending, or you can use your crypto as collateral to borrow. **Uniswap** is a decentralized exchange that uses liquidity pools to back exchanges on the network. By depositing tokens into a pool, users can earn rewards from trading fees generated from other users’ trades—making it an ideal option for those looking for passive income streams. Earn up to 20% APR through yield farming on Uniswap on the Ethereum network. **Curve Finance** offers an Ethereum-based liquidity pool that lets you earn a yield for staking your crypto in the network. The Curve Finance decentralized exchange specializes in offering exchange opportunities for different stablecoin assets. ‍**Quickswap** is another decentralized exchange that enables yield farming through a service called Dragon’s Lair which lets you stake $QUICK to earn yield. This is a great yield opportunity that provides liquidity into the Quickswap dex platform on the Polygon network. **Pancakeswap** offers liquidity provider opportunities that are a great way to earn passive income through yield earned on the platform. Pancakeswap is one of the largest decentralized exchanges on the BNB Chain network, making it a great longer term opportunity if you're looking to make passive income on the BNB network . **Curve** is a decentralized exchange that lets users stake and earn through swap fees and other incentives. Its network offers fantastic yield farming opportunities on the Ethereum network and is often touted as one of the best yield farming programs in DeFi today. **Yearn Finance** lets users and DAOs (Decentralized Autonomous Organizations) earn passive income in crypto through a suite of DeFi products designed to streamline earnings and operations within the Ethereum network. **Trader Joe** is one of the most popular decentralized exchanges on the Avalanche network, and offers yield and other earning opportunities through liquidity providing and staking within the platform. ## How to earn passive income from yield farming: Rather than letting your crypto assets sit in your wallet, yield farming can generate passive income from your holdings. With various yield farming protocols available, you can either stake a token to grow your crypto portfolio, or take advantage of the various incentives to provide liquidity. While yield farming is a great way to earn passive income, it’s not without risk. Cryptocurrency is volatile, and in a bear market that volatility might be even greater. Beyond the day to day volatility, there are fraud scams and rug pulls that happen regularly, and smart contracts are susceptible to hacks and exploits if they don’t implement good security practices. Avoid these scams by being well-researched. ## What to do with your crypto earnings through yield farming: Yield farming is a great opportunity to earn a passive income in cryptocurrency. Many of our users earn their crypto through yield farming and use that income to pay bills like their utilities, mortgage, rent, or student loans. If you're just getting into yield farming, start with a small goal for a milestone that you can reach with the opportunity. Set aside a certain amount of your monthly crypto income to go toward bills—no matter how big or small—and make it a goal to continue growing that income and reach new milestones. You can use Spritz to off-ramp or pay bills with crypto directly from your wallet. This is the easiest way to take your earnings and apply them to the real world without having to trigger multiple tax events. Spritz lets you control how much you want to put toward your real-world finances, so you can start with a goal as small as covering your weekly coffee runs or your Netflix subscription by paying off that amount toward your credit card each month, or you can aim high and pay down your mortgage or pay off credit cards in one go. There's no limit to what you can do with Spritz! ## Risks to understand in yield farming: A good rule of thumb with any cryptocurrency investment is to be wary of new projects, and if something sounds too good to be true, it probably is. Opportunities that are promising massive yields are likely a scam. There is no such thing as a get rich quick opportunity. Take the time to understand the cryptocurrency market and the risks associated with yield farming before you make any investment decisions. Once you start earning, you can then use your passive income to pay bills in the real world using Spritz in a single transaction. All you have to do is claim your earnings, and then you can head to the Spritz app to pay bills with any token on the Ethereum, BNB Chain, or Polygon networks without having to off-ramp to a bank or swap your tokens first. You can also send your crypto to your bank account directly by using the Spritz off-ramp feature, which lets you off-ramp any token on our available networks straight from your wallet. Cheers! The Spritz Team --- # Spritz Community Update: December 2022 > Happy Holidays, Sprites! We added support on three new blockchains, plus the arrival of Spritz Pay, which lets you pay others with crypto via ACH off-ramp!… _2022-12-24 · Spritz Team_ ## ⏳ Spritz 2022 Year in Review Wow, what a big year! When we launched Spritz earlier this year we wanted to create a platform that allowed DeFi users to get more out of DeFi. There are tons of services to help you stay in DeFi, but very few out there that will help you get real-world value out of the crypto that you earn on-chain. Here’s a taste of what we accomplished together in 2022: **Product releases: ‍**🧾 Bill Pay: Pay IRL bills from your Web3 wallet 🌈 Off-ramp: Pay yourself with 1-click off-ramp to your bank 💸 Spritz Pay: Pay anyone else with crypto ACH transfers **Multi-chain payments with any token on 6 (and counting) blockchains:** **Total payment transaction volume: ‍**$1.2 million+ **Largest single day volume:: ‍**$58,710 (November 29, 2022) **Total number of bills paid: ‍**2,000+ **Top tokens used for payments (by total # of transactions): ‍**USDC - 18% USDC - 13% BUSD - 11% BNB - 6% ETH - 6% MATIC - 5% Other tokens - 41% ‍**Top 10 most popular bills paid: ‍** 1. Chase Sapphire Reserve 2\. American Express Credit Card 3\. Capital One Platinum Mastercard 4\. Chase Student Visa Credit Card 5\. Amazon Rewards Visa Signature Credit Card 6\. Citibank Platinum Select 7\. Aidvantage Student Loan 8\. Nelnet Student Loan 9\. Discover Bank Rewards Discover Credit Card 10\. PayPal Credit Card **Spritz Community growth: ‍**🦜 Twitter: 11K+ followers 👾 Discord: 1,700+ members Here’s to an even bigger and better 2023! 🥂 ## 💸 Spritz Pay launch Last week we launched Spritz Pay, a new feature that lets you pay anyone with crypto by sending an ACH payment to their TradFi bank account. You send crypto, they get fiat. You can use Spritz Pay to pay your rent, pay some invoices, pay your friends, or just send some cash gifts to your loved ones this holiday season. To use Spritz Pay, select “Pay someone else” from the Bill Pay section of the app. You can then add an external bank account with your recipient’s account/routing numbers, and specify the name of the account owner. You’re all set to start sending crypto to USD payments directly to their account! Just one transaction to pay rent to your landlord with crypto—or anything else! [**Pay others**](https://app.spritz.finance/bills/main) ## ⛓️ Payments on Avalanche, Optimism, and Arbitrum! We were so excited to announce that we’ve expanded payment support to three new blockchains this month! Avalanche, Optimism, and Arbitrum felt like the right choice because they have strong communities and large Web3 ecosystems. Avalanche is a popular ecosystem for DeFi and blockchain-based gaming, with more projects popping up seemingly every day! Optimism and Arbitrum were two highly requested Layer-2 networks that our community requested to add onto Spritz. Enjoy streamlined off-ramps and bill payments straight from your preferred Arbitrum, Optimism, or Avalanche supported wallet. Want to see us add support on a new blockchain in the future? [Let us know here](https://spritz.canny.io/feature-requests)! [**Learn more**](/blog/new-chains-web3-payments-avalanche-optimism-arbitrum) ## 📣 Holiday Referral Challenge Guess what? We increased our referral rewards from $20 to $50 earlier this month! Now when you share Spritz with a friend, you and your friends will each earn $50 when your friend completes their first payment(s) of $50 or more! To celebrate the increase, we’re challenging our community to share their link with friends! Split a $500 prize pool for top referrers, plus other rewards when you [share your referral link](https://app.spritz.finance/referrals/main)! **☕ Hot Toddy:** Top 5 Sprites who refer the most friends that complete a minimum $50 transaction before Dec 31 will each win $100 (in addition to their $50 reward). Min 5 referred users to qualify. **🥛 Holiday Nog:** All others who refer at least 2 new friends that complete a minimum $50 transaction before Dec 31 will each get a $20 bonus (in addition to their $50 reward). Min 2 referred users to qualify. Winners of the Spritz Blitz Referral Challenge will be contacted by January 7th with news about their rewards. [**Refer a friend**](https://app.spritz.finance/referrals/main) ## 🎁 7 Days of Spritz Quests We’re about to kick off our 7 Days of Spritz Quests, so check out the details below and get ready to gift yourself some cash! Each day will have 3 winners who will share a $250 daily prize pool. Winners will be determined either by total transaction volume or time to complete the challenge. - 1st place will win $125 - 2nd place will earn $75 - 3rd place will earn $50 But that’s not all! The 3 daily winners will not only win a piece of the prize pool, but also have the transaction fees associated with their payments refunded. Winners will be contacted during the first week of January to confirm rewards and have their credits issued by the Spritz team. **Day 1 Quest - December 25th: “White Christmas" ‍**Challenge: Make any transaction on Avalanche network for at least $500. ‘Nuff said. **Day 2 Quest - December 26th: “Boxing Day”** Challenge: A day of giving. Use our new [Spritz Pay](/blog/announcing-spritz-pay-others-crypto-to-fiat-ach-transfers) feature to pay someone else (via ACH bank transfer) at least $1,000. **Day 3 Quest - December 27th: “Jingle All The Way” **Challenge: [Off-ramp](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) at least $3,000 to your own bank account. **Day 4 Quest - December 28th: “Holiday in the Sun" ‍**Challenge: Time to take a load off. Pay at least 1 credit card bill, totaling $4,000 or more. **Day 5 Quest - December 29th: “The Polar Express” ‍**Challenge: Make a car payment of at least $500. Or a SUV payment. Or a truck payment. You get the gist. ‍**Day 6 Quest - December 30th: “Home Alone" ‍**Challenge: Pay your mortgage and/or home utility bills, totaling $2,500 or more. Then look in the mirror and do your best Macaulay Culkin screaming fac**e.** **Day 7 Quest - December 31st: “About Time" ‍**Challenge: Who's ready for 2023? Complete at least $5,000 in transaction volume on New Year’s Eve to end the year on a high note. PLUS BONUS: Everyone who completes the minimum $5,000 transaction on December 31st, will automatically receive $50 in Spritz rewards. Everyone. [**Make a payment**](https://app.spritz.finance/bills/main) ## 🌽 Guide to Crypto Tax-loss harvesting One of our goals for this year was to create more educational content in the Web3 space. We want to encourage the growth of this ecosystem, and that starts with sharing _why_ we believe in it. This month, and just in time for year-end, we published our guide to tax-loss harvesting. Did you know that you can save a little bit on your crypto taxes just by paying bills and using Spritz to off-ramp crypto to your bank account? There’s still a few days left in 2022, so offset any gains you may have had this year by paying bills with crypto on Spritz, or just off-ramping to your bank account at a loss. [**Read the guide**](/blog/crypto-tax-loss-harvesting) That’s a wrap for 2022! What would you like to see from Spritz in 2023? Let us know [here](https://spritz.canny.io/feature-requests), or check out our [Discord](https://discord.com/invite/Spritz) community to get involved and just get to know us on a personal level. We promise, we’re pretty fun! Cheers! 🍹 The Spritz Team --- # 7 Days of Spritz Payment Quests and Prizes > From Christmas Day to New Year’s Eve, we’ll be dishing out the prizes through our 7 Days of Spritz Quests. Earn some holiday rewards this season by competing… _2022-12-21 · Spritz Team_ Happy holidays! This week is a time to celebrate all that we’ve accomplished this year. For us, it’s a time to express our gratitude for our community. You’ve helped us to get Spritz where it is today. This week we hit over $1 million in total transaction volume launching our private just a few months ago, which wouldn’t have been possible without every single one of you! To say thank you for your support, we’re going to offer daily prizes for competing in a different payment challenge every day next week, starting Christmas Day and wrapping up on New Year’s Eve. For each daily quest, you’ll have a new opportunity to earn Spritz Rewards. We’ll reveal a new challenge every morning, so keep an eye out for more details and reminders in your inbox, in Discord, or on Twitter. Below is a sneak peek of each daily quest, including details of the payment challenge, prize pool, and holiday season bonuses. We’ve created a theme for each day’s quest as well: our favorite holiday movies mixed with our favorite holiday cocktails. Enjoy! ## What’s up for grabs Each day will have 3 winners who will share a $250 daily prize pool. Winners will be determined by total transaction volume, and in the case of a tie, who completes the challenge first. - 1st place will win $125 - 2nd place will earn $75 - 3rd place will earn $50 But that’s not all! The 3 winners of each quest will not only win a piece of the prize pool, but also have the transaction fees associated with their payments refunded to them. We’ve also thrown in an extra bonus for the final day’s quest below. Winners will be contacted during the first week of January to confirm rewards and have their credits issued by the Spritz team. ## The 7 Daily Quests (mark ‘em in your calendar) **Day 1 Quest: “White Christmas”** Challenge: Make any transaction on Avalanche network for at least $500. ‘Nuff said. **Day 2 Quest: “Boxing Day” **Challenge: A day of giving. Use our new [Spritz Pay](/blog/announcing-spritz-pay-others-crypto-to-fiat-ach-transfers) feature to pay someone else (via ACH bank transfer) at least $1,000. **Day 3 Quest: “Jingle All The Way” **Challenge: [Off-ramp](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) at least $3,000 to your own bank account. ‍**Day 4 Quest:  “Holiday in the Sun” **Challenge: Time to take a load off. Pay at least 1 credit card bill, totaling $4,000 or more. **Day 5 Quest:  “The Polar Express” **Challenge: Make a car payment of at least $500. Or a SUV payment. Or a truck payment. You get the gist. **Day 6 Quest: “Home Alone” **Challenge: Pay your mortgage and/or home utility bills, totaling $2,500 or more. Then look in the mirror and do your best Macauley Culkin screaming face. ‍**Day 7 Quest: “About Time” **Challenge: Who's ready for 2023? Complete at least $5,000 in transaction volume on New Year’s Eve to end the year on a high note. PLUS BONUS: Everyone who completes the minimum $5,000 transaction on December 31st, will automatically receive $50 in Spritz rewards. Everyone! Good luck, Sprites! And may you all have a White (and very green 🤑) Christmas! --- # Announcing Spritz Pay: Pay anyone with crypto to fiat bank transfers > Now you can pay anyone with Spritz Pay, which enables crypto-to-fiat bank transfers via ACH directly from your wallet. Pay your friends, your family, and your… _2022-12-20 · Spritz Team_ TL;DR We’re proud to announce that we’ve just released a highly requested feature: Spritz Pay! Pay anyone with crypto to fiat ACH bank transfers in a single transaction starting today. You’ve been asking for this, and we made it a goal to launch this feature just in time for the holidays. Pay your rent, pay your friends—pay anyone! ## More on Spritz Pay You asked, so we made it happen. Now you can pay anyone with Spritz Pay, which enables crypto-to-fiat bank transfers via ACH directly from your DeFi wallet. Enjoy more payment functionality from Spritz as we head into the new year, with the ability to pay bills and monthly expenses that were previously unavailable through regular Bill Pay—like your rent! Now your landlord doesn’t have to accept crypto for you to be able to pay your rent with it. 😉 Use Spritz Pay to set up payments to anyone with a bank account in the United States directly from your preferred wallet. When we say anyone, we mean it! You can make crypto to USD transfers paying friends, family, and ACH bills in seconds, or even use the feature to send some holiday gifts. ## How Spritz Pay works Spritz Pay works similar to the Spritz Off-ramp! Set up a quick ACH bank transfer from the Bill Pay section of the app by clicking on “add account.” Follow the prompts to set up your recipient’s bank account information—for this you’ll need the person’s account and routing numbers, and the full name as it appears on their account. Once you set that up, you can start sending crypto payments via ACH transfer to that bank account directly from your wallet as you would an off-ramp! Best yet, similar to [Bill Pay](/blog/pay-bills-crypto) and [Off-ramp](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer), Spritz Pay lets you use any token from your wallet from any supported blockchain network! Want to pay your rent using USDC, USDT or BUSD - no problem. What about paying another monthly expense by converting your AVAX or MATIC to fiat instantly - you can do that too and your payment will arrive within two business days. To make a payment, click on the bank account that you want to make a payment to and fill out all of the information. Pick which asset you want to pay with, the amount in USD that you want to send to the recipient’s account, and then submit your payment transaction on the blockchain. Enjoy faster payments to anyone with our new streamlined process, which converts any token  and then sends the fiat payment via ACH in just 1-2 business days! NOTE: the same tiered Spritz Fees pricing structure applies to Spritz Pay. For more details, [click here](https://help.spritz.finance/en/articles/6753624-how-do-spritz-fees-work). ## Get more from Spritz The Spritz Pay and Off-ramp features are key parts of our roadmap that we’re excited to have brought to our community within our first year! We’re constantly adding new features to the Spritz app, like the three new blockchains that we added just this month! Pay bills with crypto, off-ramp, and pay others via ACH on Ethereum, Polygon, BNB Chain, Avalanche, Optimism, and Arbitrum today! That’s thousands of coins and tokens that you can choose from—whether it be your favorite stablecoins to native coins and popular tokens like $UNI, $LINK, $AAVE, $BNB and thousands more! [Join Spritz](/) today to start getting real-world value out of your on-chain earnings. You deserve it! Cheers! The Spritz Team --- # Crypto tax-loss harvesting guide > Tax-loss harvesting is the process of strategically selling assets in your investment portfolio in order to realize losses that can be used to offset capital… _2022-12-19 · Spritz Team_ Crypto taxes are complicated and boring, but you have to do them. The good news is that there are things you can do, like tax-loss harvesting, to minimize your tax bill. We'll explain what tax-loss harvesting is and when it might be the best choice for you, so sit back and relax. However, you should probably speak with an accountant for specific tax questions. This isn’t meant to be taken as financial advice, and your tax situation will be specific to your own finances. Pro tip: never take tax advice from a cocktail-themed company without also talking to a professional. At the end of the day, if you’re planning to use your crypto and on-chain assets to pay bills or off-ramp directly to your bank account, there are some key things to know about tax-loss harvesting and how it can actually benefit your bottom line come tax season. ## What is tax-loss harvesting with crypto? Tax-loss harvesting is the process of strategically selling assets in your investment portfolio in order to realize losses that can be used to offset capital gains and reduce your tax bill. For example, let's say you bought a bunch of $DOGE for $1,000 and it's now worth $500, which isn’t too bad of a loss for $DOGE! If you sell that asset by off-ramping to your bank account or using it to pay off some bills, you'll have a $500 capital loss that you can use to offset any capital gains you may have realized elsewhere in your portfolio. The crypto market had some big wins and some even bigger losses this year. Unless you got in at the perfect time, you likely have some losses that you can offset. Using these losses to your advantage can help lower your overall tax bill if you also had some major gains. Pay off your credit card with crypto, or sell some crypto at a loss to lower your tax bill and then invest it elsewhere. Tax-loss harvesting can also be done quarterly if you file taxes on a more frequent basis, so if you’re a frequent trader, figuring in potential gains into your strategy can help you identify good times to offload losses in order to balance out your income during the tax process. ## How to use tax-loss harvesting to your advantage: Before you start tax-loss harvesting with crypto, you'll need to keep track of all your crypto transactions, including the date of each purchase, the price you paid, and the amount you sold for. This will help you determine your capital gains and losses. You'll also need to be mindful of the wash sale rule, which prohibits you from claiming a loss on the sale of a security if you buy the same (or substantially identical) security within 30 days before or after the sale. This rule applies to crypto assets as well, so be sure to avoid buying and selling the same assets within a short period of time if you want to take advantage of tax-loss harvesting. We’re just trying to help you out. Friends don’t let friends commit tax fraud. ## How to lower your crypto taxes and pay your bills with crypto at the same time: Selling some of your crypto at a loss can feel painful, but if it’s helping you avoid a larger tax bill it will balance itself out. Consider selling some of your crypto at a loss through Spritz in order to pay off some bills and lower your tax responsibilities in a single transaction. When you use Spritz, the transaction counts as a crypto sale, so you may as well streamline the process by using the cash you get from selling your crypto to pay bills in a single transaction. You can also use Spritz to off-ramp crypto into your bank account directly from your wallet. The holidays are upon us, so use that extra crypto to enjoy the final days of the year with some extra cash in your checking account. Using Spritz to pay bills with crypto or off-ramp crypto to your bank account is a great way to take advantage of tax-loss harvesting while completing a few financial tasks from your to-do list as well. [Sign up for the Spritz app here](/) to get started. Finally, be sure to consult with a tax professional before implementing any tax-loss harvesting strategies with your crypto portfolio. They can help you navigate the complexities of the tax code and ensure that you're making the most of your crypto gains and losses—and make sure that you’re not breaking any laws. Tax-loss harvesting with crypto can be a powerful tool for minimizing your tax bill and maximizing your profits. By carefully tracking your transactions and working with a tax professional, you can effectively harvest your losses and keep more of your hard-earned money. Just keep in mind, you’ll need to complete any transactions before the end of the year in order for it to count toward this tax season. Happy harvesting! --- # 10 NFT use cases you might see in 2023 > Forget what you think you know about NFTs and imagine what we could do with a piece of tech that allows us to designate something online as original and… _2022-12-08 · Spritz Team_ No matter how you feel about them, by now, you have certainly heard something about NFTs. Also known as non-fungible tokens, NFTs enable digital ownership to individuals online unlike ever before. Forget what you think you know about NFTs and focus on that concept, and imagine what we could do with a piece of tech that allows us to designate something online as original and irreplaceable. NFTs use something called a smart contract, which is the same thing that Spritz uses to interact with a blockchain network. An NFT’s value comes from its smart contract, which is a unique set of rules defined within its code that spells out ownership or parameters that are set in the blockchain it lives on. To put it simply, an NFT is a piece of code that strictly defines the function of a product—whether that be a document that says its owner is the owner of a piece of real estate, or a ticket that enables access to a concert or music festival. An NFT can be an investment, if that’s what you consider valuable, but it can also be a collectors item, a digital product in a video game, or the legal details associated with a loan you take out. Here are some examples of the many use cases that NFTs offer, and how they’ll be used in the future: ## Memberships and Subscriptions NFTs are going to upend how we approach [memberships](https://www.socialmediaexaminer.com/using-nfts-for-memberships-the-future-of-business/) and subscriptions. An NFT subscription enables individuals to own their subscriptions and the data associated with them, rather than sell their data to the companies they subscribe to. If Netflix were to offer NFT subscriptions, for example, a user would purchase an NFT and access the service through their wallet without even having to share their name with Netflix. Think of it like flashing your airline loyalty card to get certain perks that are associated with the loyalty program. Simply by having that card in your wallet, you can get access to goods and services in the real-world. NFT memberships enable that structure online, and make it easy to access different services without having to hand over your data, or even remember your password. If you want to [cancel](https://studio.knightlab.com/projects/crypto-subscriptions/) your membership, all you have to do is sell your NFT back to Netflix, or to someone else on a marketplace, and your membership is transferred to the next owner. ## Gaming Virtual Merchandise and Goods NFTs can be used as a way to buy, sell, and trade [virtual merchandise](https://www.threekit.com/how-to-sell-virtual-products-in-the-metaverse) and goods within video games and on the metaverse. Games like Axie Infinity use NFTs as a way to get onto the game in the first place, where the NFT owner represents the owner of their avatar within the game. Virtual merchandise and gaming goods can be made more valuable in the game, and in the real world, with NFTs. Something like a rare weapon in a video game can be stored as an NFT, where the holder of the weapon can sell it in a marketplace for crypto and earn IRL money off of the sale. ## Luxury Goods Because NFTs designate ownership, they can be used to authenticate luxury goods instantly. Imagine that you’re looking to buy a luxury bag on the resale market, but you have no way to really check if the bag you’re buying is authentic. Many websites say they have experts that authenticate [luxury goods](https://www.forbes.com/sites/richardkestenbaum/2021/02/22/the-realreal-is-still-battling-fakes-it-wont-be-easy-to-get-it-right/), but it’s not guaranteed. Lots of luxury brands are tying NFTs to the products that they sell. When an owner goes to resell the item, a potential buyer just has to [check the blockchain history](https://www.thefashionlaw.com/nfts-are-here-so-how-can-luxury-brands-use-them/) of the bag’s NFT in order to authenticate it. The transaction history of an NFT can also be used to increase supply chain transparency, and many luxury brands are already embracing the tech as an opportunity to market ethical supply-chain history. In the [Diamond trade](https://www.diamondnfts.co/), for example, NFTs are enabling consumers to easily check that the diamonds they purchase were mined ethically and sourced sustainably. ## Real Estate Another use case to study in terms of NFTs is real estate. This is one of the latest industries diving into the NFT market. One main way NFTs transform real estate is by allowing real estate investors to use blockchain technology to buy and sell property tokens. Since these tokens are considered more secure than many other real estate investment methods, using NFTs in real estate can help make sellers and investors feel more comfortable and secure when making deals. They can also be used with virtual real estate, such as the digital “[Mars House](https://www.archdaily.com/959011/mars-house-first-digital-home-to-be-sold-on-the-nft-marketplace).” The only caveat here is that laws have not caught up to technology, so in order for NFTs to truly make the housing market operate more efficiently, it could require an overhaul of its [legal structure](https://www.mansionglobal.com/articles/when-purchasing-a-real-estate-nft-what-are-you-really-buying-01639137564). ## Event Ticketing You probably heard about the recent problems with Ticketmaster during the pre-sale for the upcoming Taylor Swift tour, right? Fans were [upset](https://www.buzzfeednews.com/article/juliareinstein/taylor-swift-fans-ticketmaster-lawsuit) to find that tickets to the tour had been purchased by bots and scalpers, only to find them on the resale market for tens of thousands of dollars before the main sale for the tour even started. Lots of fans also reported that [fake tickets](https://www.distractify.com/p/taylor-swift-eras-tour-fake-tickets) were on sale before the pre-sale even started, and some even purchased these fake tickets at inflated prices. These issues are not uncommon to the ticketing industry, but highlight a major demand for an overhaul of how we approach digital ticketing in the first place. Ticketing NFTs eliminate a lot of existing issues in the ticketing industry. For example, NFT creators can set the royalty stipulations into the NFTs smart contract, defining clearly how much the ticket could be sold for on the resale market. In the case of in-demand concert and sporting event tickets, artists and teams can say that tickets cannot be resold above face value at all. Since it’s so easy to authenticate an NFT by looking at its transaction history on the blockchain, it would be impossible for fake tickets to pass off as real if they’re issued as NFTs. Ticketing is one of the most promising applications for NFTs, and is already being adopted by many events as they seek to [onboard users](https://xlr8r.com/news/web3-weekly-wrap-mirror-releases-plugins-coachella-partners-with-ftx-tycho-three-oscillators-and-more/) into Web3. ## Music Sales Although many people think of artwork when they think of NFTs, they can also be used as a way to buy, sell and trade various types of music. Projects like [Audius](https://audius.co/) are working to make music NFTs more accessible to fans and artists, and are enabling artists to earn more from their work than ever before. Fans can interact with Web3 streaming platforms through NFT memberships, or purchase music NFTs to directly support their favorite artists without that artist having to pay-out to a middleman in order to connect with their fans in the first place. ## IP Ownership NFTs have already redefined how we approach IP ownership and digital goods. The popular project Bored Ape Yacht Club demonstrates the unique ways in which NFTs redefine IP ownership by granting IP rights to each person who holds an NFT in the collection. Some users have gone on to create brands with the cartoons on their NFTs, such as the branding inspiration behind the [Bored & Hungry](https://en.wikipedia.org/wiki/Bored_%26_Hungry) restaurant in California. ## Defi-Collateral Loans NFTs can serve as a value-added service by tokenizing your investment, making DeFi safer, more secure, and possibly even more lucrative. Moreover, companies such as Arcade, Genesis, NFTfi, PawnFi, and TrustNFT are allowing NFT holders to request and access certain types of loans. Some services allow you to offer up other NFTs in your collection as collateral, granting new opportunities to earn on NFTs that were previously unavailable because, well, NFTs didn’t exist. ## Healthcare Records Here’s a hot take: your healthcare records can be stored as an NFT, and that might make your health data more secure. This is because they can allow patients to take ownership of their records and prevent others from accessing them without permission. When you interact with a dApp or smart contract with your wallet, the details of what you share is secured using something called [asymmetric cryptography](https://www.techtarget.com/searchsecurity/definition/asymmetric-cryptography). Explaining that is a concept for another blog post, but it basically means that no one can access the information you share unless they have the private keys of the wallet or contract that you shared it with. This is a well-needed service in an age in which cybersecurity breaches are becoming increasingly common. For instance, The Republic of San Marino used them to verify [vaccination passports](https://www.yahoo.com/video/san-marino-adopts-nft-vaccine-092053414.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAI7U26NJE8FJRFxmHTcWpQVpwUtQUhty2AMBqsf2mSj2ltryD-fau9vrt3VkIepCB3W2BpyzB7QJTu6VFS7jQ0oHkQWTCXOEZSzXNEiYO71t9j16Ho2-djBYjdF_2KujoY-jTgwUczf3oZjy5Dwqjlei2xxRtXdyYAi72pQ7hBJW). ## Data Ownership Lastly, NFTs can be used to secure data ownership. They can allow us to get paid for our data and they let us control who has access to our data in the first place. Also, they serve as a great way to overcome issues with incentivizing the trading of private data and overcoming regulatory barriers. For instance, companies like [WISeKeys](https://www.wisekey.com/) are using NFTs to boost data security. Regardless of what you think you know about NFTs, the tech is here to stay. We’re big believers in Web3 (obviously, since we’re a Web3 application), and we see a future for NFTs beyond how they’re being used today. --- # Announcing Web3 payments on Avalanche, Optimism, and Arbitrum > We’re thrilled to announce that we’ve added payment support for three new blockchain networks: Avalanche, Optimism, and Arbitrum. _2022-12-02 · Spritz Team_ TLDR: We’re thrilled to announce that we’ve added support for three new blockchain networks: Avalanche, Optimism, and Arbitrum. Starting today you can pay bills with crypto or off-ramp crypto directly from your wallet on six (and counting) blockchain networks using the Spritz app! Big news! We’ve added multi-chain support for three new networks on the Spritz app. Now you can pay bills with crypto or off-ramp crypto directly from your wallet on Avalanche, Optimism, and Arbitrum as well as Ethereum, Polygon, and BNB Chain, which we launched [earlier this year](/blog/multi-chain-bill-pay-launch). Our team has been hard at work adding new blockchain networks to Spritz, and we’re currently looking into which networks to add next as we expand the platform even further. We’ve loved hearing your feedback during the beta process, and we’ve learned so much about the Web3 ecosystem from all of you. Our decision to add these three networks came from the [feedback and suggestions](https://spritz.canny.io/feature-requests) you’ve given us, and from our research on which networks might enjoy a product like Spritz the most. ## A little about Avalanche, Optimism, and Arbitrum: [Avalanche](https://www.avax.network/) is one of the most popular layer-1 blockchains in the Web3 ecosystem today, thanks to its large user base in the Web3 gaming space and across a wide range of industries that are onboarding into blockchain right now. Companies like Deloitte are building on Avalanche, and new projects like Lemonade—a crypto climate coalition—are offering [new use cases for decentralized blockchains](https://www.lemonade.com/blog/crypto-climate-coalition/) in ways that will benefit the Earth. Sounds refreshing, right? The Avalanche gaming ecosystem is one of the largest in the play-to-earn gaming space, and [popular projects](https://dappradar.com/rankings/protocol/avalanche/category/games) like Pizza Game and Snail Trail offer new ways to earn from gaming. Decentralized exchanges like Trader Joe as well as GMX offer fast and trustless swaps and exchanges straight from your wallet, and popular crypto lending platforms like Aave even have a presence on the Avalanche blockchain. We love a good party, so the large and diverse ecosystem on Avalanche made it an easy decision when we were looking for which blockchain network to add to Spritz next. You can use Spritz to pay bills with crypto or off-ramp directly from your decentralized wallet into your bank account using any token or stablecoin on the Avalanche network. That means assets like $AVAX, $JOE, and even $PIZZA (which pairs well with a Spritz) can be used to pay bills in the real world directly from your wallet—no swaps and exchanges needed. [Optimism](https://www.optimism.io/) and [Arbitrum](https://bridge.arbitrum.io/) were easy choices, too. We first [launched on Polygon](/blog/bridge-tokens-polygon) almost exactly one year ago today, and even back then we knew that adding support for other Ethereum layer-2 projects would expand our use-case and enable our users to get more from the Spritz product. We created Spritz with the idea that DeFi should be even easier to use than the TradFi ecosystem, and a diverse and robust smart contract was part of that idea from the start. Both Optimism and Arbitrum are layer-2 scaling solutions for the Ethereum network, meaning they allow Ethereum users to enjoy faster transaction speeds and lower gas fees with the added security of Ethereum’s widely decentralized blockchain network. Today you can use Optimistic ETH or any other token on the Optimism (including OP) or Arbitrum One networks to pay bills in the real world, or you can off-ramp it to your bank account directly from your wallet in just one business day! ## How to use Spritz to pay bills with crypto New to Spritz? You can start by [signing up for beta access right here](/). Once you sign up, you can create your account and start adding your bills and bank account to use the Spritz Bill-pay and Off-ramp products. Don’t worry, this doesn’t actually give us access to your bank account, and it doesn’t give your bank or billing providers access to your crypto wallet either. If you’re curious, you can learn a little more about [how Spritz works here](/blog/paying-bills-with-stablecoins-vs-non-stablecoins). Once you’ve connected your bills or bank account and your preferred crypto wallet (MetaMask and Coinbase Wallet are popular!), you can set up a bill payment or an off-ramp in seconds. Here’s how in four easy steps: 1. Pick the bill you want to pay, or the bank account you want to off-ramp to in either the Bill-pay or Off-ramp sections of the Spritz app. 2. Pick the network you want to pay from, then set the dollar amount you want to send. 3. Choose the asset you want to pay with. 4. Confirm the transaction in your wallet. Now you’re done, cheers! Our biggest goal with Spritz is to create a DeFi product that is safe and easy to use. We’d love to hear about your first experience with Spritz using the Avalanche, Optimism, or Arbitrum chains in our Discord channel. Let us know of any feedback or ideas you might have, and how you’ve been able to enjoy DeFi with Spritz! You can enjoy a test payment incentive on your first bill-payment, too! We’re matching all test payments up to $10. That means that if you send a $10 payment for your first time, we’ll double it and send $20 total to your billing account (that’s like, a whole round of happy hour on us!). [Sign up for the Spritz beta today](/). Cheers! --- # Spritz Community Update: November 2022 > Happy Holidays, Sprites! This month we cover new product releases, including our crypto to USD offramp, $10 bill pay test credits, our partnership with… _2022-11-30 · Spritz Team_ ## 🛹 Spritz Off-ramp One of the more challenging aspects of DeFi is how hard it can be to off-ramp crypto into your bank account as soon as you want to cash it out. We already support IRL bill payments directly from your wallet, so we thought “why not let our users pay themselves?” Our goal is to make DeFi more accessible, so finding a way to help our users off-ramp is key to accomplishing that goal. We built the Spritz Off-ramp as the answer to that! Now you can off-ramp crypto directly from your wallet to your bank account without having to send it to a centralized exchange first! Plus, all off-ramp transactions are completed quickly, and USD funds will hit your account within one business day! [**How to Off-ramp**](/blog/announcing-spritz-off-ramp-crypto-to-usd-bank-transfer) ## ⚡ Cyber Week Challenge: Earn $25-$100 (Last Day to Play) To celebrate Cyber Week, we’re hosting our first Spritz Blitz Challenge and dishing out $100 to the top 5 users who complete the **highest volume in bill pay or off-ramp** transactions from now until the end of the month. - Top 5 users get $100 - Everyone else will get $25 - Minimum $2,000 in transaction volume to qualify - Promotion expires Tonight - November 30, 2022 at 11:59 pm EST - All qualifying users who complete the challenge will be contacted by Dec 2nd to confirm their reward and details for receiving their prize. [**Login**](https://app.spritz.finance/signin) ## 🤝 Upcoming release: Pay Others Speaking of the Spritz Off-ramp, we’ve received a lot of requests from the community to find a way to let you pay for monthly expenses that might not be tied to a financial institution, like paying your rent payments and other peer-to-peer stuff. Just because you earn crypto doesn’t mean your landlord wants to be paid in $ETH or $CAKE. Soon you’ll be able to pay others on Spritz using ACH bank transfer! The process will work similar to Spritz Off-ramp, and all you’ll need to do is set up a crypto to USD transfer to any bank account (not just your own), and approve the transaction from your wallet. Stay tuned for more as we release Pay Others in the coming weeks. ## 💸 $10 test payment credit for Bill Pay We know what it’s like to be unsure of a new product in Web3. One of our goals was to find a way to help you test the waters as you pay your first real world bill with crypto. All new Sprites are now welcomed into the app with the opportunity to claim $10 to put towards an initial test payment funded from their crypto wallet! To redeem your test payment credit, just click on “Pay with crypto” from any bill card. Follow the instructions to send a small test payment and choose the dollar amount to pay. Then confirm the token to pay with and approve the transaction from your wallet. Pay $5, Get $5. Pay $10, Get $10. You’ll have essentially doubled your first bill payment, on us. Cheers! [**Learn more**](https://help.spritz.finance/en/articles/6708590-how-do-i-submit-a-test-payment) ## 💻 Spritz video reviews As our community grows, we’re seeing an increase in people who want to share their experience using Spritz! We recently launched referral rewards in the Spritz app, which lets users give $20 to their friend and get $20 in return each time a new user signs up and pays their first bill with crypto. The success of the referral program inspired us to work with more Spritz ambassadors who can share their referral links with their networks and followers. We’ve started working with several social media influencers and other content creators in the Web3 space, and have seen a lot of great content created, including video reviews & overviews like [this one from James Pelton](https://www.youtube.com/watch?v=pdU8EUNnLDs), a YouTube creator. We plan to work with more content creators in the future, and would love your help! Have a favorite personality you want to see us work with? Or would like to become a Spritz ambassador yourself Let us know in [Discord](https://discord.com/invite/Spritz). 😜 [**Watch Spritz overview**](https://www.youtube.com/watch?v=pdU8EUNnLDs) ## 🐉 QuickSwap Partnership Who doesn’t love having friends in crypto? This month we launched a long-awaited partnership with Quickswap, the leading DEX on Polygon, offering QuickSwap users a seamless experience from the QuickSwap app. We’re excited to work with Quickswap on this project to bring more use cases and functionality to DeFi. And we want to take you along with us as we develop new partnerships in the DeFi space. Let us know if you have any ideas for potential partnerships and integrations in the future, or if you have a favorite Web3 project that you’d love to see Spritz work with! Keep up with the buzz in our [Discord](https://discord.com/invite/Spritz) and share your ideas with our team directly! ## 💜 Polygon AMA Earlier this month our founder, Chris, did an AMA with the Polygon team. This AMA was a great opportunity to discuss the future of DeFi in relation to where the space is today, and the importance of self-custodial financial structures that allow crypto users to be in control of their assets! Thank you so much to Polygon for setting up the event. You can check out the video below to see what you may have missed. Chris will be doing other AMAs in the coming weeks too, so keep an eye out for those and tune in whenever you’d like! [**Watch AMA**](https://www.youtube.com/watch?v=Q-X0ztRJLu0) ## ✍️ New blog content on the flow of funds using Spritz Ever wonder how it looks inside the Spritz machine when you make a payment? We’ve created this explainer on how the flow of funds works when you pay bills (or off-ramp crypto) with stablecoins and non-stablecoins in the app. Here’s the TLDR: When you make a payment with a stablecoin, we accept the stablecoin as payment and then send fiat currency to your bill-pay account. When you make a non-stablecoin payment—meaning payments with $ETH, $BNB, or $MATIC (or any token on those networks), we swap it for a stablecoin like USDC and then instantly issue a fiat payment to your bill-pay account all in a matter of seconds. [**Read more**](/blog/paying-bills-with-stablecoins-vs-non-stablecoins) As part of our ongoing effort to create more educational content, you can also find articles like our [Guide to Ethereum DeFi](/blog/guide-ethereum-defi), which we also published this month! Curious about something in the crypto world? Let us know what you’d like to learn more about in Discord! Thanks again for being a part of the Spritz community. We’ve been loving hearing from you all about what you want to see in the app, or what you want to see in DeFi in general! Keep up with us on Discord and keep an eye out for some exciting new features coming in December! 🎁 Cheers! 🥂 The Spritz Team --- # The Spritz guide to Ethereum DeFi > As one of the most popular blockchain networks, Ethereum’s decentralized finance ecosystem is robust and widespread. _2022-11-28 · Spritz Team_ As one of the most popular blockchain networks, Ethereum’s decentralized finance ecosystem is robust and widespread. Ethereum is a Proof-of-Stake network that is popular among NFT traders, metaverse gamers, yield farmers, and general Web3 services. The versatility of the blockchain makes it easily accessible through just about any service in the blockchain ecosystem, with a wide variety of wallets and other services that make it easy to use. DeFi is a general term for financial services that run on a distributed blockchain network like Ethereum. This includes products like  lending, investing, factoring, collateral management, and insurance. DeFi takes advantage of a blockchain ledger, so DeFi apps are completely trustless and transparent, meaning they are governed by computer code that relies solely on data inputs rather than human discretion. This also means they are governed by smart contracts that automate processes such as collateral management and repayments. In addition to providing greater efficiency and transparency than traditional financial services, DeFi also has the potential to unlock access to finance for traditionally underserved populations. This is because, in the DeFi model, the capitalization of assets or the quality of creditworthiness are not relevant. Instead, the focus is on the network itself. ## Decentralized Finance (DeFi) The term DeFi was coined by the team at [Dharma Protocol](https://www.dharma.io/), a protocol for building decentralized finance applications on top of Ethereum. Like the eCommerce and iCommerce (or “e-Commerce”) categories that emerged within the realm of online retail, DeFi is a more inclusive and general term that covers the increasingly diverse range of financial services built on Ethereum. DeFi generally refers to decentralized financial applications that use Ethereum or other blockchain platforms to create trustless, transparent and open access to financial services across various asset classes. ## What is the difference between decentralized and centralized finance? Decentralized finance refers to blockchain and cryptocurrency projects that allow users to make choices regarding their own financial lives, while a centralized financial system includes anything in the Traditional Finance (TradFi) space that may be heavily regulated or limited when it comes to retail investing and how much control you have over your own individual financial portfolio. There are benefits to both structures, and some people prefer not having to focus on keeping their funds safe in a non-custodial crypto wallet. For those who want more freedom in their finances, DeFi is a solution to many problems in the centralized financial structure. Decentralized finance lets you own your money, and lets you make decisions on what you can do with it. ## Benefits of Ethereum DeFi - **Increased efficiency -** DeFi applications run on Ethereum’s decentralized network, eliminating the overhead involved in operating a centralized organization and enabling direct transactions. - **Transparency -** All transactions and rules governing the system are publicly available and can be verified by anyone. **‍** - **Liquidity -** Because DeFi is decentralized, there are many different exchanges that allow investors to easily exchange tokens associated with a given product. Liquidity in decentralized assets is provided by users who provide liquidity to earn yield in return. ## Popular wallets A crypto wallet is a piece of software or hardware that can hold your cryptocurrency. A hot wallet is a software wallet that can be used on your phone or on your desktop, and can integrate with smart contracts to enable cryptocurrency payments. A cold wallet is a hardware wallet that can be used to store cryptocurrency long-term. Because they’re offline, they’re considered one of the most secure ways to store crypto—as long as you don’t misplace it.   There are tons of wallets that can integrate easily with the Ethereum DeFi ecosystem. Here are several that can be used for both long and short term holding: - **MetaMask** - **Trust Wallet** - **Coinbase Wallet** - **Ledger** ## Major DeFi projects in the Ethereum ecosystem - **dYdX -** dYdX is a protocol that enables margin trading and short selling on decentralized exchanges (DEXs). DEXs that integrate with dYdX enable users to take out loans against the value of their cryptocurrency holdings. - **Dharma -** Dharma is a protocol for building decentralized financial applications on top of Ethereum. Users can generate stablecoins (cryptocurrency-backed tokens that maintain a stable price) and participate in tokenized debt products (e.g., tokenized loan funds). - **Dharma Ethx -** Ethx is a protocol designed to help investors and borrowers make more informed decisions by providing data and insights on decentralized financial applications. This tool can help you become an expert in your own financial decisions. - **MakerDAO -** Maker is a protocol for creating decentralized stablecoins. The system relies on a network of collateral to secure loans, and operates on a DAO governance structure to ensure a greater level of decentralization. - **Compound -** Compound is a protocol for creating money market funds and other tokenized investment vehicles that allow for easy and transparent investing. This brings concepts from the centralized financial world into the decentralized ecosystem. - **Spritz Finance -** Spritz lets you pay bills with crypto directly from your wallet without having to off-ramp it to a centralized exchange. You can also off-ramp crypto to your bank account straight from your wallet, and enjoy streamlined transactions that make things like crypto taxes easier to navigate.**‍** - **Uniswap -** Uniswap is one of the most popular decentralized exchanges today. The platform offers thousands of trading options across several blockchain networks. Its governance is operated through a DAO, adding to its decentralization by preventing one entity from controlling it entirely. Ethereum DeFi is a new and evolving landscape with great potential to transform how we think about and access financial services. However, inherent risks are associated with investing in new financial products and services. The first step to ensure that you have a successful experience when interacting with the Ethereum DeFi ecosystem is to take some time to get a good understanding of its risks. The ecosystem can be a great opportunity to gain financial freedom, but it’s worth knowing what you’re getting into. Check out our [guide to Web3 safety here](/blog/web3-safety-tips). Spritz is a great way to use or off-ramp the crypto that you earn from participating in DeFi. You can off-ramp crypto to your bank account directly from your wallet in a single transaction with the Spritz Off-ramp, or you can use the Spritz Bill-pay tool to make a bill payment to thousands of billing providers. Get early access to the Spritz app by [signing up here](/)! Cheers! --- # Announcing Spritz Off-ramp: Crypto to USD bank transfers made easy > The Spritz Off-ramp lets users sell their crypto for fiat currency and send it to their bank account in a single transaction. _2022-11-16 · Spritz Team_ ## TL;DR The Spritz Off-ramp lets users automatically convert their crypto on any supported blockchain to $USD and send it to their bank account in a single transaction. Forget all the swaps, centralized exchanges, and paying multiple fees - with Spritz you can instantly off-ramp your crypto in seconds. Since launching with crypto bill pay earlier this year, we’re excited to announce our latest product feature to the Spritz beta app: Off-ramp! The Spritz Off-ramp lets you transfer crypto to any connected bank account in a single transaction, without having to swap crypto or send it to an exchange first. Now you can send any crypto you hold on Ethereum, Polygon, Avalanche, Arbitrum, Optimism, or BNB Chain  to your bank accounts straight from your Web3 wallet. As we continue to build the Spritz product, it was important to us to be able to offer a product suite that allows our community to get the most out of DeFi without having to rely on TradFi structures, such as centralized exchanges, and dealing with the complexity and costs that off-ramping crypto from a self-custodian wallet typically takes. ## How to off-ramp crypto to any bank account using Spritz ### **1\. Access “Off-ramp” from the Spritz app** To use Off-ramp, click on the “Off-ramp” section of the Spritz app and then select “Add a bank account.” ### **2\. Add your bank account** You’ll then be prompted to add your bank account details, including an account nickname for easy access later. Add your ACH routing number and your bank account number, then confirm your account number and choose the type of account (Savings, Checking, or Business account). You’ll need to confirm that you’re the account owner on the bank account you’re adding to Spritz. We do not currently offer the ability to send ACH transfers to bank accounts that are not your own, but we’re exploring that as an option for the future. ### **3\. Complete your crypto transfer** Select the connected bank account you want to off-ramp your crypto by clicking “Off-ramp crypto” from the account card. You then are prompted to connect your crypto wallet. MetaMask, Coinbase Wallet, and WalletConnect all work great with Spritz. Similar to paying bills using Spritz, you’ll then input the dollar amount you want to off-ramp, and confirm which token from your wallet you’d like to convert to $USD and transfer to your bank account. You can also switch blockchain networks at any time as we support payments and off-ramps from Ethereum, Polygon, and BNB Chain. Once ready, you’ll then just need to approve the off-ramp transaction from your wallet (allowing Spritz to off-ramp that specific token from your wallet). Once you approve the transaction, you’ll then complete the final step, which is clicking “Off-ramp \[crypto\]” to complete the transaction. You’ll be notified via email that your crypto transfer has started, and you can also track your “Transfers in progress” and “Completed transfers” directly from the app. Enjoy saving your hard-earned money and time by using Spritz to off-ramp your crypto effortlessly! We’ve been working hard to bring your most requested features to the Spritz beta. You can now off-ramp any token on the Ethereum, BNB Chain, or Polygon networks, which includes popular coins like $ETH, BNB, and $MATIC, as well as stablecoins, such as $USDC, $USDT, $BUSD, and thousands of other tokens, which will be instantly converted to USD and transferred to your bank account. Spritz gives you more freedom and flexibility than ever in how you connect your crypto to the real-world, whether you're paying IRL bills, or need to off-ramp your crypto for something else. Keep up with all that’s new at Spritz by staying connected in our [Discord](https://discord.com/invite/Spritz). Cheers! The Spritz Team --- # What you need to know about paying bills with stablecoins vs. non-stablecoins > We break down the flow of funds when paying bills on Spritz with stablecoins vs non-stablecoin tokens. _2022-11-14 · Spritz Team_ One of the most frustrating things about the crypto world is that it takes a lot of time and energy to off-ramp your crypto to be able to use it in the real world. There are [crypto credit cards](/blog/are-crypto-credit-cards-worth-it), and companies that accept crypto as a form of payment, but those services come with their own drawbacks that mean you probably can’t pay bills with crypto easily. Spritz is the answer to complicated off-ramps. Our app lets you pay bills with crypto in just a few clicks by connecting your wallet and your bill-pay accounts. On your end, all you have to do is set up a bill payment in your Spritz account, select which crypto you’d like to pay with and how much you’d like to pay, and confirm the payment in your wallet. On our end, there’s a few things that happen. Here’s a little bit about how that works: ## What happens when you pay bills with stablecoins on Spritz: 1\. When you pay a bill with a stablecoin through Spritz, your stablecoin asset is deposited into our wallet. You can pay bills with any token on the Polygon, Ethereum, Arbitrum, Optimism, or BNB Chain networks. 2\. Next, your submission triggers a payment from our fiat bank account to your bill pay account through a secure intermediary. We don’t have access to your bill-pay account, and we’re only able to submit a payment on your behalf. 3\. Once the payment is submitted to your bill pay account, it takes 3-4 business days on average to appear. Your payment is treated as a crypto sale, so you’ll have to keep track of how much crypto you spend on bill payments, but don’t worry about any additional conversions that happen on our end! ## What happens when you pay bills with non-stablecoin assets on Spritz: When you pay a bill with non-stablecoin assets like $ETH, $BNB, $MATIC, $WBTC  or others on Spritz, we handle the swaps and off-ramping for you. To set up a payment, select the bill you would like to pay and click on “Pay with crypto.” From there, select the crypto you’d like to pay with and note how much you want to pay in USD amount. Don’t worry about calculating the swaps! After you set up your payment, approve the transaction in your wallet to submit it. Here is how the process works: 1\. **On our end, we’ll swap your non-stablecoin crypto for a stablecoin like USDC, DAI, or USDT.** For payments on the Polygon network we use QuickSwap to facilitate swaps, and similar DEX services for Ethereum Mainnet and BNB Chain networks. Your transaction is treated as a crypto sale, so you’ll only need to keep track of how much crypto you off-ramp in order to pay a bill. 2\. When you pay your bills with non-stablecoin  tokens there is an added step on our end. **We take the maximum amount that might be needed to facilitate the swap from crypto to fiat, and then return any that might be left over to your wallet once the transaction is complete.** Think of it like setting the slippage tolerance when you use a decentralized exchange. 3\. **You’ll have to cover gas fees with a little bit of MATIC, ETH, or BNB (depending on the blockchain network you choose) when paying with either crypto or stablecoins, but it shouldn’t be too much.** Regardless of what token you make a payment with, Spritz does the hard work by letting you off-ramp and pay bills in a single transaction. Going bankless is all about getting more freedom, which Spritz offers with an app that gives you greater financial freedom, flexibility, and control. [Click here](/) to join the Spritz beta today and start paying your bills with crypto! --- # Spritz Community Update: October 2022 > Happy Halloween Spooks 👻— we mean Sprites! We’ve had a busy month, and we’re excited to announce everything new to Spritz from the last few weeks with our… _2022-10-28 · Spritz Team_ ## ⛓️ We’ve gone multi-chain - Ethereum & BNB Chain now supported! We know how important it is for you to minimize how many swaps, bridges and transfers you need to make in order to pay your bills with crypto. Now you can make payments with any token directly from Ethereum, BNB Chain, or the Polygon network! This is just the beginning for what we can offer on Spritz, but we felt that integrating with Ethereum and the BNB Chain was a vital next step in offering a wider use case for the Spritz app. Connect your favorite Web3 wallet to the Spritz app on any of the three supported networks, and make payments directly with any coin or token in your wallet. You can easily switch between networks within the Spritz app when you go to set up a bill payment. Test out the new feature and let us know what you think [here](https://app.spritz.finance/feedback) or in our [Discord](https://discord.com/invite/Spritz)! And if there’s a chain you’d like us to consider adding, you can send all of your great [product requests here](https://spritz.canny.io/feature-requests). The community can upvote your requests for our team to prioritize. [**Read more**](/blog/multi-chain-bill-pay-launch) ## 🪙 Pay bills with ANY token! We mentioned this above, but now you can make bill payments with any token on any of the three networks on Spritz! We’ve integrated with a DEX aggregation tool that lets us swap your tokens to stablecoins at the best prices, and then fulfill the payment with fiat currency. All you have to do is set up the payment, and we’ll handle the rest! Sounds refreshing, right? You can still make payments with your favorite stablecoins (USDC, USDT, BUSD, etc..), but here are just a few of the thousands of tokens you can pay bills with on Spritz: - $ETH - $MATIC - $BNB - $MANA - $UNI - $WBTC - $CAKE - $LINK - $AXS - $GALA - $AAVE —and any other token on the ERC20, BEP20 or Polygon networks! [**Learn more**](/blog/announcing-pay-bills-with-any-token) ## 🥂 Give $50, get $50 with referral rewards We heard you asking. Now you can give $50 and get $50 with our referral program! Refer as many friends as you want with your unique code, and we’ll give you $50 for each person who signs up and pays at least $50 in bills with crypto on the Spritz app. Once they make their qualifying payment, they’ll get $50 towards their next crypto bill pay too! You can keep track of the rewards you’ve earned in the \*new\* Referrals section of the Spritz app. You’ll then be able to add your total rewards to any bill payment that you make in the future. Being nice to your friends really does pay off! If you’re already a Spritz beta user, you can get your referral link directly through the app. [**Refer a friend**](https://app.spritz.finance/settings/referrals) ## ✨ We’ve launched a fresh new website! The new Spritz website is live! We worked for several months to create an interactive new home page for our website, with updated colors and graphics and more information about the Spritz app, including the many use cases, information about what kinds of bills you can pay with and how to pay a bill with any token on the Ethereum, BNB Chain, or Polygon network. Check out the [new website here](/) and tell us what you think in [our Discord](https://discord.gg/spritz)! [**Visit website**](/) ## 💬 Improvements to in-app chat support Stuck somewhere? Now you can get even better support directly from within the Spritz app. Easily connect with help center content or ask us a question directly. We’ll get back to you within a day! You can also report bugs, request a product feature, and get the latest Spritz news directly from our new and improved chat widget. We’re committed to providing you with the best support possible, and we’ve made several updates to our Help Center as well, including troubleshooting guides and more step by step tutorials on how to pay bills with crypto using Spritz. [**Check it out**](https://help.spritz.finance/en/) Talk to you next month! We have loads of exciting new products and features we’re working on to share soon. As always, we’re grateful for your support as we improve the Spritz beta app – taking us all closer to connecting crypto to the real world. Happy Halloween! 🎃 Cheers! --- # Multi-chain bill pay is here: Ethereum and BNB Chain payments now supported > We’ve launched multi-chain bill payments, enabling all Spritz beta users to pay IRL bills from any crypto wallet on Ethereum, BNB Chain or Polygon. _2022-10-19 · Spritz Team_ We have some exciting news! We’ve gone multi-chain and have added bill payment support on DeFi’s two largest ecosystems – Ethereum and BNB Chain (Binance) networks! Starting today, all early access beta Sprites can pay with any crypto on more of their favorite networks, including Ethereum Mainnet, BNB Chain and Polygon. This network update also expands which tokens you can make payments with, making it even easier to connect any digital asset you hold to real world expenses and monthly bills. Whether you hold your ERC-20 tokens in MetaMask, or your BEP-20 assets in your Trust Wallet, it’s easy peasy to link your bills on Spritz, connect your preferred wallet on a supported network, and make IRL bills payments with your crypto a breeze. Earlier this year we launched the Spritz beta on the Polygon blockchain for its low gas fees and lightning-fast transaction speeds. We still love the Polygon network and all that it enables for the DeFi community, but we knew that the Spritz community wanted more freedom and flexibility to pay their bills directly from their Web3 wallets, and on the networks they use most often. Our plan is to continue to build the Spritz platform to allow even more integrations on a wider variety of blockchains and connect all of Web3 to TradFi. Today we offer payment support with Polygon, Ethereum Mainnet, and the BNB Chain, but we have plans to expand it to even more in the coming months. If you want to see Spritz expand to a specific blockchain in the future, let us know [here](https://spritz.canny.io/feature-requests)! ## About Ethereum: The world’s most popular smart-contract enabled blockchain, Ethereum, offers a massive ecosystem and a wide range of use cases already in the budding Web3 space. Today’s Ethereum network holds over [$30 billion in TVL](https://defillama.com/chain/Ethereum), with some of the most popular projects in the world in its ecosystem. Projects like Decentraland and OpenSea helped catapult Ethereum’s success as the most successful smart-contract enabled blockchain in the world. Today, you can pay with tokens related to some of the world’s most popular crypto projects to-date, like $MANA, $SHIBA, $GALA, $LINK, $AAVE, and even $APE. ## The BNB Chain: The smart contract-enabled Binance network, also known as the BNB Chain, has its own global ecosystem of popular projects in the Web3 space. The network offers fast transaction speeds and low gas fees, so that users on Spritz can pay their bills without facing high network costs or slowed speeds due to congestion. The BNB Chain is globally popular for its DeFi landscape, with a wide variety of altcoin options to pick from. The network holds over $5 billion in TVL, and some of its most popular projects include decentralized exchanges like PancakeSwap and the liquidity staking platform Ankr. It’s also compatible with the EVM, so many projects on Ethereum are easily interoperable with the BNB Chain ecosystem. ## Easily switch between networks You can now pay IRL bills with popular stablecoins and native network cryptocurrencies like $ETH, $BNB, and $MATIC, as well as $USDC, $USDT, $BUSD, and $DAI. How you pay bills on Spritz is up to you, with thousands of options from bill-pay providers and cryptocurrencies to choose from. In order to pay bills on Spritz using different networks, we’ve made it easy to switch from one to another when connecting your crypto wallet. To switch blockchain networks, just click on the bill you’d like to pay and switch the network in the drop down menu at the top of the bill-pay prompt. Your wallet will then ask you if you’d like to switch networks. Click “confirm” and then wait for the updated network to appear in the bill-pay prompt. You can then choose the asset you’d like to pay with, set the dollar amount you’d like to pay, and confirm the transaction on the network. ## How Spritz works Spritz lets you pay bills with crypto in just a few quick steps by connecting your wallet and your bill-pay accounts together in the Spritz app. You can connect to thousands of bill-pay providers in the United States to pay for things like your mortgage, car payment, and even your morning coffee or Netflix subscription through your credit card. Once you connect your preferred crypto wallet to your Spritz account and add your first bill, you can set up your first payment in just a few seconds. Simply choose the bill you want to pay, set up a payment with the preferred cryptocurrency you’d like to pay with, and approve the transaction in your wallet to send it through. We’ll handle the swaps on our end! You can connect your preferred crypto wallet, like MetaMask or Coinbase Wallet and pay from either the Polygon, BNB Chain, or Ethereum networks. If you’re not already in our beta, sign up here and enjoy the freedom of crypto bill-pay made easy. Cheers! --- # Announcing pay IRL bills with ANY token on Polygon, Ethereum, and BNB Chain > Spritz beta users can now pay IRL bills with ANY token on Polygon, including MATIC, WBTC, and hundreds of different coins. Learn how to program payments from… _2022-10-10 · Spritz Team_ TLDR: Starting today, we’re excited to launch a new and improved payment feature on Spritz! Now all Sprites can pay their bills with any crypto on the Polygon network, including Polygon’s native MATIC token. Cash out your on-chain earnings from DeFi yields and play-to-earn games directly towards your monthly expenses in just one step using Spritz. We first enabled crypto bill payments using stablecoins, such as USDC, USDT, and DAI on the Polygon network. While our early users have paid hundreds of bills so far with stablecoins, we’re excited to unlock more ways to seamlessly make payments with any token of their choosing. We’ve worked hard these past couple of months to bring this feature back to Spritz with the highest Web3 [security measures](/blog/spritz-security-update) in place. In just the first few days, we’ve seen bill payments being made with a variety of tokens from MATIC to WBTC, and many more. ## How to pay bills with any token You can use Spritz to pay your IRL bills with any crypto on Polygon in just a few seconds. Once you’ve connected your wallet and bill-pay accounts, setting up the payment is quick and easy. Here’s how to do it: 1. Head to the bills section of your Spritz account. 2. Find the bill you’d like to pay and click “Pay from Wallet”. 3. Choose the asset you’d like to pay with, and then enter the amount in USD. 4. Approve the transaction in your wallet, and complete the payment. Sit back and enjoy all of the time you saved! ## Your crypto bill-pay questions, answered: **What are the benefits for paying with any token?** - More ways to fund payments - Leverage your on-chain rewards - Direct off-ramp to real world value - Same low gas fees - Zero swaps on your end - We take care of everything **What happens when I pay a bill with a non-stablecoin asset?** When you pay your bills with other tokens instead of stablecoins there is an added step on our end. We take the maximum amount that might be needed to facilitate the swap from crypto to fiat using a 5% slippage fee, and then return any that might be left over to your wallet once the transaction is complete. Think of it like setting the slippage tolerance when you use a decentralized exchange. **Will I pay more in taxes when paying with a non-stablecoin?** We can’t give definitive tax advice as we’re not your accountant or tax expert, but using Spritz will limit the amount of swaps you’ll have to do in order to pay your bills with your crypto. When you use any token to pay your bills through Spritz you’re only swapping once, so it could potentially mean you even pay less in taxes later on! We recommend you talk to a tax expert, though. Read more about crypto taxes [on our blog here](/blog/save-on-crypto-taxes). **Can I still make payments with stablecoins?** Of course! Spritz makes it easier than ever to pay bills with any crypto on the Polygon network. Having to move assets from a wallet onto an exchange just to be able to off-ramp them into your bank account is a daily pain point for anyone active in DeFi. You can sign up to the Spritz beta [from here](/) to get early access. By minimizing the time you’ll spend moving things around, you can take that time back to do whatever you want—like go to the beach or learn a new hobby. Right now we're on the Polygon network, but soon it might be even easier to pay your bills with crypto from your favorite blockchain network! 😉 Let us know what you do with your saved time in [Discord](https://discord.com/invite/Spritz). Cheers! --- # Spritz Community Update: September 2022 > We’ve been working hard at Spritz to improve the product and bring new projects to life. Read our September Community Update to learn more! _2022-09-29 · Spritz Team_ ## 🏄🏽 Spritz Sessions: Live Product Demo on Discord - Pay with any token! Our next live product demo is scheduled for Friday, September 30th on our Discord, where you can get a product tour on how to use the Spritz app. Learn how to add your bills and set up a payment with us. We’re excited to announce that we’ll also be showcasing a demo of our new pay with any token feature! We’ll show you how to set up a payment with any token on the Polygon network using Spritz, along with more information about when the feature will become available. Since the initial release of the feature a couple months ago, we’ve gone back to improve the user experience and enhance the security measures. We plan on releasing the pay with any token feature in October, so come check it out in Discord and ask us any questions you may have. [**Register Now**](https://discord.com/invite/Spritz) ## 🙌 Improved Bills Search We made several improvements to how you search for bills when looking to add a new bill to your account manually. Bills are now easier to find by category type, and some bill type names have been changed to specify the type of account you’d like to add when connecting to banks with multiple services. We also have started to surface the most popular bill pay providers Sprites are paying off in each bill category! ## 🎧 CryptoNews Podcast with Chris Sheehan Our CEO and founder Chris Sheehan recently went on the CryptoNews Podcast to talk about Spritz and the DeFi landscape. This was an exciting opportunity to share the Spritz platform with new people, and to answer questions about the app with CryptoNews subscribers. You can check out the episode of the CryptoNews Podcast below to hear it for yourself. [**Listen Now**](https://cryptonews.com/exclusives/podcast/) ## 🌊 Refreshed Help Center & FAQs We’ve been speaking with our community members and beta users throughout the last several months to get a better understanding of how you all use Spritz. We’re so grateful to you all for speaking with us! Your insight helped us get to know you and your needs better for paying bills with crypto, and it gave us the idea to revisit our Help Center articles. In our updated Help Center you’ll find answers to all of your burning questions about Spritz, from how to add and pay a bill on the app to common troubleshooting tips that can save you time. [**Visit the Help Center**](https://help.spritz.finance/en/) ## 💥 Debunking common myths about paying bills with crypto We’ve been busy this month creating new educational blog content to help you all learn more about paying bills with crypto on Spritz. In one of our recent blog posts, we covered some of the common myths that we hear about paying bills with crypto and debunked them—from the misconception that paying bills with crypto will result in a larger tax bill to myths about off-ramping. Check out our blog post below that debunks some of the common misconceptions about paying bills with crypto, as well as some other recent posts that have hit our blog this month. [**Read More**](/blog/5-myths-paying-bills-with-crypto-debunked) ## 🔒 Web3 security tips We also published a post about Web3 security tips and how to keep your funds secure. There are lots of ways to make sure that your funds are safe, and we wanted to share some of our best practices with you. The post includes tips like how to separate your funds to keep your investments safe, how to best interact with Web3 websites, and how to prevent anyone from getting ahold of your private keys. [**Read More**](/blog/web3-safety-tips) We’ve got a lot more content coming soon, so keep up with our blog to get more from Spritz. ## 📢 Request a product feature Want to add a specific bill type or request a blockchain to make bill payments from? Request a new Spritz feature below to let us know what you want to see in the app! We want to build a product that works best for you, so if there’s anything you want to see from us just click below to let us know! Other Sprites can upvote your requests as well! [**Request a Feature**](https://spritz.canny.io/feature-requests) You can also reach out in the Spritz Discord or on Twitter or Reddit to let us know what you’d like to see from us. Join our Discord [right here](https://discord.com/invite/Spritz), and follow our [Twitter](https://twitter.com/spritzfinance?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor) and join our [SubReddit](https://www.reddit.com/user/SpritzFinance/). Talk to you next month. We can’t wait to share more about all of the exciting things we’ve been working on. Cheers! --- # Guide to going bankless > There are lots of advantages to going bankless. For one, you have total control over your finances and have more freedom overall. But there are challenges and… _2022-09-28 · Spritz Team_ Web3 is here to stay, and whether you’re using crypto as a store of value or plan to interact heavily with the web3 ecosystem, you’ll need a way to off-ramp your crypto earnings to be able to pay your bills. There are lots of reasons why Spritz users are going bankless—whether they’re held back by the centralized banking system or just have a lot of enthusiasm for DeFi, Web3 and the future of crypto, Spritz is a tool that enables them to experience financial freedom unlike ever before. Centralized banks offer low yields on investments, especially in traditional savings accounts where you’ll earn little to no interest for storing your money long-term. And if you deposit your pay checks to a checking account just to pay the bills, you already know that you’re earning next to nothing from your fiat holdings. There are also fees associated with using the centralized banking system, and banks have the ability to dictate how and when you can use or withdraw money. In today’s period of [record inflation rates](https://www.pbs.org/newshour/economy/u-s-inflation-at-9-1-percent-a-record-high), crypto has become a hedge against inflation as more people go bankless. Going bankless refers to moving into decentralized finance (we call it DeFi around here) and out of centralized financial systems such as a major bank or credit union. In these early stages of Web3, going bankless is a way to have total control over your crypto while interacting with the decentralized economy. Apps like Spritz let you pay your bills with crypto directly from your wallet, letting you stay in DeFi without having to rely on traditional financial institutions to be able to pay bills. There are lots of advantages to going bankless. For one, you have total control over your finances and have more freedom overall. But there are challenges and responsibilities that come with that, especially as you plan to pay your monthly bills and expenses from your crypto wallet. While the centralized banking system might offer security and insurance, going bankless requires you to handle all of that on your own. Here is everything you need to know to go bankless, including the hard to swallow pills you may not want to deal with—like taxes. ## Choosing a wallet The first thing you need to do to go bankless is choose a wallet. Digital wallets, or non-custodian wallets, let you store your crypto and other assets like NFTs, POAPs, or your decentralized identity ([DID](https://ethereum.org/en/decentralized-identity/)) easily in one place. There are lots of wallets to choose from, but we recommend choosing a wallet based on what you’ll be using it for. If you’re going to be interacting with a lot of smart contracts, pick a wallet like [MetaMask](https://metamask.io/) or [Coinbase Wallet](/blog/spritz-now-supports-bill-payments-directly-from-coinbase-wallet) that can easily integrate with different layer-1 and 2 blockchains. If what you do is primarily on one network, such as Solana or Ethereum, you can pick a wallet that works well with those networks. For Solana that might be Phantom, while Coinbase Wallet and MetaMask are popular with Ethereum and Polygon users. BNB Chain (formerly Binance Smart Chain) users on the other hand might want to use something like TrustWallet. ## Consider long-term storage By no means are you limited to only one wallet. You can open as many wallets as you’d like, just remember to store the keys in a safe place. Your keys are the only way to access your wallet if you ever lose your password or get disconnected, so treat your keys like you would your passport and store them in a safe place. If you’re storing large sums of crypto or valuable digital assets, we recommend storing them in a separate wallet than the one you use to interact with dApps and smart contracts. You wouldn’t use your lifetime savings account to take out cash from an ATM at a bar, so think along the same lines when you’re interacting with Web3. A lot of people like using cold wallets to store large amounts of crypto. Cold wallets take your crypto offline by storing it in a piece of hardware that looks like a thumb drive, so the only risk is that you lose or damage the wallet itself. Products like Ledger offer easy to use cold wallet storage that can easily connect to apps like Spritz so that you can still pay your bills with crypto while keeping your assets safely offline in cold wallet storage. ## Understand safety Like we said before, use common sense when interacting with Web3 to keep your crypto safe. But even then, there are a lot of scams, hacks, and mistakes that you can make if you’re not well-versed in the crypto world. Take some time to understand Web3 safety—you can start by reading our blog post on [Web3 safety tips](/blog/web3-safety-tips) —and be careful when interacting with smart contracts until you feel confident in your understanding of the ecosystem. Here’s a good rule of thumb for the crypto world: if it sounds too good to be true, it very likely is. ## Learn about different on-chain earning methods Did you know there are more ways to earn in Web3 than just by investing in crypto? From yield farming and liquidity mining to play-to-earn and  metaverse games, NFT trading, DAO-memberships, and more, there are tons of ways to earn money in the crypto world. We’re only getting started here, too, and we even hear about tons of amazing new move-to-earn projects that will give you crypto just for using their platform. Imagine being paid to use social media, or being paid in crypto each time you exercise. The Web3 world is ripe with earning opportunities—all you have to do is take the time to learn about them! ## Unlock real-world utility with your crypto Once you’ve started earning in the crypto world you’re going to want to off-ramp your crypto to use it in real-life. The problem right now is that most banks and businesses don’t accept crypto as a form of payment. So what do you do? You have two options; You can off-ramp into a TradFi banking system, or you can use Spritz to [pay your bills with crypto](/blog/pay-bills-crypto) and stay bankless entirely. To off-ramp your crypto you’ll have to transfer it from your wallet and into a centralized exchange. This can be risky, expensive, and time consuming. Make sure you get your wallet addresses right, or you could end up sending your crypto to a stranger by accident. You’ll also have to pay transaction fees, or gas fees, which are network fees that you have to pay each time you use a blockchain network. Some networks, like Polygon, are fast and affordable and let you make transactions in seconds for less than a penny (or 1.3 MATIC if you’re counting). Others are more expensive, and can charge you some serious coin just to send your crypto from your wallet to an exchange. Once your crypto is on an exchange you can cash it out for fiat currency—or the government-backed currency of your choice. Spritz is open to US users right now, so in this case we’ll be talking about the US Dollar. On top of the gas fees you’ve already paid to transfer your crypto, you’ll have to pay a fee to the centralized exchange to swap your crypto for cash. Once you pay that fee, the exchange will send cash to your bank account in a couple of business days. Sounds like a lot, huh? You could also just use Spritz to pay your bills with crypto. Anything from your student loans or mortgage payments to your credit card and utility bills can be paid on Spritz, which lets you pay bills with crypto directly from your wallet. We use the Polygon network, so if you’re not on Polygon you’ll have to bridge your assets to the network (which you can learn about [here](/blog/bridge-tokens-polygon)). ## Crypto taxes Here’s the hard-to-swallow pill: going bankless doesn’t mean you don’t have to pay taxes. You can complain about paying taxes all you want, but that doesn’t mean the responsibility doesn’t go away. We can’t give you official tax advice, just like we can’t tell you what to do with your crypto, but we can say that paying crypto taxes is less scary than you might think. How much you’ll pay in crypto taxes really depends on what and how much you off-ramp, and how long you owned an asset before you sold it. Take some time to learn about [crypto taxes](https://coinledger.io/) from services that can actually give advice, and don’t believe everything you read on the internet. Going bankless has a lot of advantages. It gives you more freedom and control over your financial future, and lets you take advantage of earning opportunities via blockchains that are unheard of in the traditional finance world. Spritz is the bridge between DeFi and TradFi that truly lets you stay bankless by streamlining your crypto bill payments. Remove the off-ramps and take the jump into being bankless by signing up for the Spritz beta [here](/). Cheers! --- # How to off-ramp crypto to real world value > We get it, off-ramping crypto is annoying and time consuming, but there are some ways to make it easy. _2022-09-28 · Spritz Team_ One of the bigger challenges in DeFi and Web3 is figuring out how to get your crypto earnings from your wallet and into your bank account. In a perfect world, you could use your crypto to do things like pay for coffee or make a purchase in the real world, but adoption has been slow for those of us who have been earning on-chain through DeFi or DAOs for some time now. We get it, off-ramping crypto is annoying and time-consuming, but there are some ways to make it easy. The Spritz off-ramp lets you cash out your crypto for USD in a single transaction, straight from your wallet. Enjoy the easiest way to off-ramp without sending your crypto to a centralized exchange first. ## How to off-ramp crypto to your bank It's easy to cash out crypto for USD when you use the Spritz off-ramp. Gone are the days where you have to send your crypto to a centralized exchange before you can cash it out and send it to your bank. Now you can do it in the Spritz app using just your preferred crypto wallet. Right now you can only off-ramp crypto to your own bank account, but we're looking into offering transfers in the future. Enjoy seamlessly transferring any asset on the Ethereum, BNB Chain, or Polygon network to your bank account. That's thousands of tokens and cryptocurrencies you can off-ramp! Here's now to set up an off-ramp transaction: 1. Get early access to the Spritz app by signing up for beta access [here](/). 2. Set up your account, then click on "Off-ramp" at the top of the app. 3. Link your bank account. Don't worry; this doesn't give us access to it. 4. Confirm that you're the owner of the account. 5. Finish linking your account, then click on "Off-ramp crypto" under your account and follow the prompt to connect your preferred wallet. 6. Select the dollar amount you want to off-ramp, then the asset. Tip: make sure your wallet is connected to the network the asset is on; otherwise, it may not appear as an option. 7. Confirm the transaction in your wallet. Now you're done! You'll see the funds appear in your bank account in just a few business days. ## Considerations when off-ramping to a bank Before you off-ramp your crypto into a bank, consider what you want to use it for. If you're trying to pay bills with your crypto earnings, first see if the bill you want to pay is available on Spritz. If it is, you might be better off paying the bill directly from your Spritz account without having to off-ramp your crypto first. If you need to off-ramp your crypto to access the USD in cash, or pay a bill that isn't available on Spritz, like your rent payment, use the Spritz off-ramp to cash out your crypto for USD in a single transaction. Once you sell your crypto for USD with the Spritz off-ramp, you'll get the funds in your checking account in just a few business days. The Spritz off-ramp cuts back on how much time you'll spend transferring and eliminates the risk of error. ## Use Spritz to enable real-world uses for your crypto **1\. Minimize swaps and steps by lowering how many transactions you make** Spritz lets you use your on-chain crypto earnings to pay bills or off-ramp only what you need to cover monthly expenses. With Spritz, you can keep the rest of your digital assets working for you through various DeFi activities, earning you greater monthly returns, which can be used to pay IRL bills directly from your wallet. **2\. Look for the lowest gas fees** With low gas fees on the Polygon network (pennies!), and other low gas fees on supported chains, you can use Spritz to [save on off-ramping](/blog/lower-gas-fees) while using your crypto to pay for anything—from your morning coffee to your mortgage. Pay off your credit card with your crypto earnings in seconds, or take care of your monthly household expenses with the money you earn interacting with the Web3 ecosystem. **3\. Move only what you need and keep the rest working for you** Keep you crypto where it helps you the most—working. Keep more of your crypto in your passive income opportunities (staking, farming, lending, trading - you name it), and move only what you need when using the Spritz off-ramp. Because you don't have to make several transactions just to cash out crypto, you can keep more crypto working for you. **4\. Avoid fees from centralized exchanges and banks** Stop off-ramping your crypto into centralized exchanges and banks that charge you significantly to use their services. Spritz makes it easy to off-ramp your crypto without paying hefty fees to use the crypto you’ve earned. **5\. Unlock real-world value from your on-chain income** What good is your crypto if you can’t use it in the real world? With Spritz, you can use our web app to off-ramp in one transaction. We want to see crypto used in the real world because we believe in it, so we built the platform that lets you do that—without ever having to go through a centralized entity first. [Sign up for the free Spritz beta](/) today to start paying your bills with crypto and make the off-ramp process as simple and fast as it should be. Cheers! --- # How to prioritize bills when paying with crypto > The Spritz app lets you keep track of your bills and pay them with crypto all in one place. Learn how to prioritize your bill payments when using Spritz. _2022-09-28 · Spritz Team_ Using crypto in the real world can be challenging if you don’t know how to streamline the off-ramping process. With more businesses accepting crypto, there are more ways to use crypto in the real world than ever before—but there are still limitations that make it challenging and costly if you don’t use the right tools. Spritz lets you off-ramp crypto in just one step, letting you pay real-world bills like your mortgage or credit card directly from your crypto wallet. Here is how you can streamline your TradFi bills when [paying with crypto](/blog/5-myths-paying-bills-with-crypto-debunked) today: ## Step 1: Keep track of your bills The Spritz app lets you keep track of your bills and pay them with crypto all in one place. We’re still in beta, but you can sign up to be a beta user on our home page [here](/). On the Spritz app, you can add all of your TradFi bills to easily view, track, and manage your expenses all from one place. This will give you a better understanding of your monthly budget in a place where you can set up payments to take care of your expenses as well. Spritz is available on Polygon, Ethereum, Avalanche, Optimism, Arbitrum, and the BNB Chain. Your Spritz account makes it easy to keep track of your TradFi and DeFi finances all in one place. Add all of your real-world bill-pay accounts to your Spritz account in just a few quick steps. ## Step 2: Create a bill prioritization strategy Determine which bills have the soonest deadline and begin paying them based on that. If you have credit cards or bills with higher balances than you can pay, work on paying off your lowest balances first and then make your way through all of your balances over time. This is called the [snowball method](https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/snowball-vs-avalanche-paydown/), and has been proven to help people pay off credit card debt faster! Your mandatory expenses should always come first, so focus on paying for things like your housing (rent or mortgage payments), utilities, transportation, and insurance first. Then take care of your food budget, your debt, and any other expenses like entertainment after that, and so on until you’ve covered all of your expenses. Just don’t forget to save some money for your savings or investment accounts! ## Step 3: Start with a smaller test payment When you pay bills with crypto [using Spritz](/blog/pay-bills-crypto) you might want to start with a small payment first to test out the service and make sure everything works. Crypto payments may take a couple of days to reflect in your bill-pay account, so sending a test payment is a great way to see for yourself how long the process will take. Set up a test payment in the Spritz app on bill-pay accounts that don’t require a single monthly payment. Bills like loan repayments for home or auto loans may not let you submit a partial payment, but credit card bills likely will. ## Step 4: Generate passive income streams from your crypto The great thing about Web3 is that there are a lot of passive income streams, with even more popping up over time. Generate passive income streams from your on-chain activities, such as staking, liquidity mining, yield farming, lending, NFT trading, or even play-to-earn gaming. Earning passive income from crypto is a great way to get your bills paid without having to increase the time you spend earning extra income. The income you take from Web3 platforms can be a pathway to paying off certain set monthly expenses, like your credit cards or utilities. Make a financial plan for your earning goals (like saying “I want to be able to pay my rent with my crypto earnings”) and research the steps you need to take to make those goals a reality. Spritz makes crypto bill pay a breeze. Where you would have once had to off-ramp crypto into a checking account in order to pay IRL bills with your DeFi earnings, now you can do it directly from your favorite Web3 wallet. ‍[Join the Spritz beta](/) today to try out the app, and keep up with everything Spritz in our [Discord](https://discord.com/invite/Spritz). Beta users will get access to a private channel where they can discuss the product and make suggestions for how to improve Spritz in the future. Cheers! --- # How Spritz creates real-world use cases for crypto > The Spritz app connects to thousands of bill-pay accounts in the United States—from utility companies to home lending and student loan service providers. _2022-09-28 · Spritz Team_ Crypto has long been considered an investment strategy in the financial world, but in today’s rapidly expanding Web3 ecosystem users are in need of an easily accessible way to use their crypto in the real world. The problem today is that off-ramping crypto or using it for IRL purchases is hard. You either have to cash your crypto out for fiat currency, or find businesses that accept crypto as a form of payment—which, unfortunately, are few and far between. We were just as frustrated about this problem as anyone else, but realized there was a way around this challenge. We sought to create a product that would enable people to pay their bills with crypto instead of waiting for TradFi systems to start accepting it. Crypto enthusiasts can use Spritz to pay their everyday bills—from their credit cards to their home mortgage—with the on-chain earnings they bring in when participating in a wildly fascinating and growing Web3 ecosystem. ## What is Spritz? Spritz is building the connections between the worlds of TradFi and DeFi. Our beta app lets you [pay bills with crypto](/blog/pay-bills-crypto) directly from your preferred Web3 wallet. We launched on the Polygon network to initiate on-chain payment transactions, which keeps [gas fees](/blog/lower-gas-fees) low and also allows fast and easy bridging from other networks like Ethereum. Spritz enables real-world use cases for crypto by letting you connect your TradFi bill pay accounts to the app. In the app, you can connect your wallet and submit payments with your crypto without having to first off-ramp to a centralized exchange or to a checking account through a bank - yuck! ## Using crypto in the real world Pay off your next vacation, your morning coffee, your dream car, or your forever home by connecting your bills to your Spritz account. You can even pay for your Netflix and streaming subscriptions by paying for them with your credit card and then connecting your credit card bill to Spritz. The Spritz app connects to thousands of bill-pay accounts in the United States—from utility companies to home lending and student loan service providers. Connect to your Chase Sapphire account, your Wells Fargo home lending account, or your Sallie Mae student loan to pay your bills with crypto in just a few minutes. With Spritz, you don’t have to wait for TradFi services and businesses to start accepting crypto payments in order to pay with your crypto –  just connect your bills and set up a payment from your preferred wallet, and we’ll handle the rest! ## Do my bill providers get access to my wallet when I use Spritz? Nope! Payments you make through Spritz are submitted to your bill-pay provider in fiat currency after you submit a payment to Spritz with your crypto. You can pay your bills currently on Spritz using any major stablecoin on the Polygon network such as USDC, USDT, and DAI. Stay tuned for more announcements on when you’ll be able to pay with any token on Polygon! ‍[Sign up for the Spritz beta](/) to get started today, and start using your crypto earnings in the real world by integrating your TradFi bill-pay accounts with your crypto wallet. Cheers! --- # 5 myths about paying bills with crypto debunked > We hear a lot of myths about paying bills with crypto in the real world and wanted to clear some of those things up. _2022-09-21 · Spritz Team_ Because a lot of banks and businesses have yet to recognize crypto as a form of payment, most people assume that they can’t pay bills with crypto or use it in the real world. The truth is that you can, and using your crypto in the real world is much easier than you might think. Spritz lets you [pay your bills with crypto](/blog/pay-bills-crypto) directly from your preferred wallet. There is no need to off-ramp to a bank, and streamlining your crypto earnings straight into the real world is easier than ever. And no, you don’t need to worry about whether your bill providers accept crypto. We hear a lot of myths about paying bills with crypto in the real world and wanted to clear some of those things up. Here are five myths about paying bills with crypto, debunked: ## Myth 1: You have to off-ramp to a bank One of the top myths associated with paying bills with crypto is that you must off-ramp to a bank in order to pay your bills. This is something that was definitely true in the past, but thanks to services like Spritz you can now do it directly with your crypto wallet. Spritz lets you pay bills with crypto by accepting payments in your preferred crypto through your preferred Web3 wallet, such as MetaMask or Ledger. It then sends a fiat payment to your bill-pay provider through its own account, meaning that you don’t have to worry about exchanging crypto for fiat or off-ramping into a bank in order to pay your bills with your crypto earnings. ## Myth 2: Your bill pay provider has to accept crypto Another common myth about paying bills with crypto is that providers have to accept crypto in order for users to be allowed to pay their bills with it. However, this is not the case. With Spritz, your payments are sent to your bill-pay provider in fiat currency—meaning they don’t need to accept crypto in order for you to pay with it. In fact, they won’t be handling any crypto at all. Spritz lets you pay for real-world items like your new car, vacations, clothes, gifts, groceries, and even your Netflix subscription with crypto straight from your wallet. ## Myth 3: Paying bills with crypto will make your tax bill higher A lot of people associate crypto payments with higher taxes. While it’s certainly true that you may be taxed higher for your crypto earnings than you would on your annual income (depending on how much you make), paying bills with crypto is no different than paying bills with the income you would make from a business. We’re not tax experts, so we can’t give any tax advice, but what we can say is that you could end up [saving on your crypto taxes](/blog/save-on-crypto-taxes) by paying bills with crypto on Spritz if you were going to off-ramp that crypto anyway. Most people off-ramp large sums into a bank to save on gas fees and save time making transactions or sending crypto from one account to another. With Spritz you don’t need to send lump sums—instead you pay only your bill total and save on gas fees because Spritz is on the Polygon network. If you were off-ramping large amounts of crypto into a fiat bank account before, using Spritz may actually be what could save you more money next tax season. We do recommend checking with a tax accountant, though. ## Myth 4: High gas fees For those who are yet unfamiliar, a gas fee is a term used to describe the transaction fees associated with trading and paying with crypto. In other words, these fees are used to enable the crypto network to remain in operation. In some instances, these fees may be excessive and may deter people from wanting to use the network at all. Spritz uses the [Polygon network](/blog/spritz-private-beta-launches-on-polygon-to-make-crypto-bill-payments-a-breeze), which has [meager gas fees](/blog/lower-gas-fees) that can enable users to pay bills for less than a penny. This makes it an ideal app to use to pay bills of all kinds, and cost less to use than many centralized banks. ## Myth 5: Your bank will have access to your wallet We often get asked if using Spritz will give your bill providers or bank access to your crypto wallet. The truth is that the only person who has access to your crypto wallet is you! When you pay a bill with crypto using Spritz, you’re only sending crypto from your wallet to ours. We then use your payment to issue a fiat payment to your bill-provider, including mortgage, credit cards, student loan, car payment, utilities, and more! Ready to pay bills with your crypto wallet? Overall, there are plenty of myths associated with the crypto realm. The danger in not taking the time to research these myths is that many are missing out on opportunities to utilize your on-chain earnings when paying bills and other monthly expenses. If you’re ready to create real-world value with your crypto, Spritz is the app that will let you do it. Sign up for the Spritz beta [right here](/). Cheers! --- # Web3 safety tips for paying IRL bills & beyond > From hacks to scams and common mistakes that can result in a loss of funds, learning about Web3 safety is key to keeping your crypto wallet happy. _2022-09-14 · Spritz Team_ While we’re all about the idea that Web3 can solve a lot of problems in the world today, it’s not without its own risks. From hacks to scams and common mistakes that can result in a loss of funds, learning about Web3 safety is key to keeping your crypto wallet happy, especially if you use your wallet to pay IRL bills. At Spritz, we’re dedicated to ensuring trust and safety in our platform and want to enhance our education toward helping our community avoid these mistakes. We’ve recently enhanced the security of our smart contract, and will continue to monitor risks that may come in the future. Mistakes are common, but here are some great practices that can keep your crypto safe as you navigate Web3 dApps and platforms. ## Never share your keys One of the best ways to keep your crypto and wallets safe and secure is to go above and beyond to safeguard your keys. Your keys are either a series of numbers, letters, or words that are used as a way to verify your ownership of a particular wallet and/or asset. While you are encouraged to share your wallet address, no one should ever be sharing your keys with anyone. Doing so makes it possible for them to steal your wallet as well as all of the assets inside it. ## Hide your keys in a secure place Much like your ATM pin or other important passcodes, you must do your best to store your hide and protect your keys. This means you should never leave them out in the open, nor should you leave them in spaces that can be easily accessed or taken. So, for instance, you wouldn’t want to keep them in places such as your actual wallet, as they can possibly be stolen or accessed by random people. However, you may want to keep them in places such as a safe or a secure file, which also requires a password or some level of encryption to use. There are virtually no ways to retrieve your wallet once someone has stolen it, so keep your keys safe and hidden. We recommend keeping your keys written down on a piece of paper and hidden in your personal belongings, or stored in a secure place that can’t be hacked into or accessed without your permission. If you’re storing large amounts of cryptocurrency or valuable NFTs, never store your keys in the notes of your phone. ## Use multiple wallets Although crypto wallets are relatively safe and secure, there are still risks associated with them. Hacks are common, and the more you connect your wallet to smart contracts the bigger there is of a risk that you could be hacked. To reduce the chances of having all of your assets stolen, keep all your assets in a separate wallet from the one you use to connect to smart contracts. For example, if you’re connecting to a metaverse dApp or an app like Spritz to pay bills with crypto, keep only what you need to use to interact with that application in the wallet that you connect to it with. If you have all of your most valuable NFTs and your entire net worth of cryptocurrency in a MetaMask wallet, consider opening a second wallet that you can use to interact with dApps. This will keep your assets safe, and let you freely access the Web3 ecosystem without having to worry about your assets being stolen from you. ## Use a cold wallet A great way to assure that your assets are safe from being stolen in a hack is to keep them stored securely on a [cold wallet](https://www.newsbtc.com/news/company/cold-crypto-storage-how-to-never-lose-access-to-your-money/). Cold wallets are physical cryptocurrency wallets that are not connected to the internet. These look like thumb drives, and they’re one of the most secure ways to store large amounts of cryptocurrency or valuable NFTs and collectibles. There are risks associated with cold wallets, however, so take some time to learn about the pros and cons of each. For example, since a cold wallet stores your cryptocurrency physically, you could lose everything if the wallet becomes lost or damaged. Consider storing your cold wallet in a secure place, or look into insuring its contents in case of loss or damage. Spritz lets you pay bills with Ledger directly from your cold wallet, making it easy to pay bills with crypto that you keep stored offline. ## Do due diligence when connecting to new smart contracts Take some time to look into new smart contracts before you connect your wallet to them.  For instance, when you are dealing with things such as bridges and other ecosystems that have a higher risk associated with them, make sure you research the security mechanisms that the developers have put in place. Bridges are at [higher risk](https://www.coindesk.com/learn/are-blockchain-bridges-safe-why-bridges-are-targets-of-hacks/) for being hacked or stolen from, so research which bridges are most dedicated to security before you sign a transaction with your wallet. We love the Polygon Bridge because it’s one of the most common and most secure bridges in the DeFi ecosystem, but there are certainly other great options out there. ## Check links before you click on them Unfortunately, phishing attacks are pretty common in cryptocurrency. To keep your assets protected, make sure you never click on any link you don’t trust. If someone you don’t know sends you a link over social media or Discord, don’t click on it. If you search for a Web3 platform on social media, like Uniswap for example, check on the link before you click on the first result. It’s not uncommon for phishing scammers to pay for ads with fake links under the name of a common website. ## Check the project contract before purchasing an NFT On the topic of checking links before you connect your wallet, check on NFT project smart contracts before purchasing an NFT. This is the code attached to the NFT on the blockchain itself, which you can check on sites like Etherscan or Polyscan. Look up the smart contract code online and check that it matches the smart contract code of the NFT you’re purchasing. The best way to make sure you’re getting an authentic NFT is to follow the link in the bio of the project’s social media pages. However, even on social media there are often fake pages selling fake NFTs. Take your time before making a purchase, and look for signs that a social media page or NFT collection could be fake. Are there a lot of followers on the social media page? Are there a lot of users interacting with it? Is the social media page verified if it’s a bigger project? On platforms like OpenSea, some major projects will be verified to let you know that the NFT is part of the correct collection. For major projects like Bored Ape or Crypto Punks, for example, fake versions or derivatives of the NFT project are all too common. Take some time to understand how NFTs work so that you know what you’re buying. If the price on an NFT seems too good to be true, it probably is. There is nothing wrong with buying a derivative of a popular NFT project, but make sure you understand what that is before you purchase. Overall, keeping your wallet and assets safe on Web3 is not as hard as you think. Nevertheless, you should be especially careful when making transactions using crypto on the web. Since all of the technology is still relatively new, there are still hiccups that developers and marketers are working on to make the ecosystem as secure as possible. ## Use Spritz to limit transactions Each time you send crypto from one place to another you run the risk of sending it to the wrong address by accident. [Spritz](/) makes it easy to use your crypto in the real world by enabling bill payments directly from your crypto wallet. This limits the amount of transactions you have to make, lowering your margin for error overall. Sign up for the Spritz beta today to qualify for our beta program,and enjoy real-world use for your crypto. We use 2-factor authentication by verifying your account using a phone number. This ensures better security when using the Spritz app, and enables you to pay your bills with crypto on a secure platform. We also recently improved our smart contract security and have implemented static code analysis tools to monitor for potential vulnerabilities. It’s important that users take Web3 security seriously within their own wallets, but there are steps that we can take on our end to assure that our users are kept safe when interacting with our smart contract as well. At Spritz, we’re implementing the best in Web3 security to provide a product that our users can trust. --- # Spritz Community Update: August 2022 > The end of summer is here and we’re excited to tell you all about what we’ve been up to lately. The seasons are a changin', and so is Spritz! _2022-09-01 · Spritz Team_ Hello Sprites! The end of summer is here and we’re excited to tell you all about what we’ve been up to lately. The seasons are a changin', and so is Spritz! We’ve got lots of exciting things in the pipeline and here are a few that are ready for you. ## 🔰 Improved Customer Onboarding Our team has been working hard over the last couple of weeks to improve the Spritz onboarding process from sign up to bill pay. Our newly launched onboarding flow lets new users create their Spritz profile and verify their identity in minutes, and makes it easy to link bills by category, including credit cards, mortgage, utilities, car loans, and more. Spritz beta users can join a special channel on [our Discord](https://discord.gg/spritz) to discuss their experience, ask questions, and share feedback on the new onboarding flow. [**Request Beta Access**](https://share.hsforms.com/1HJewUo8GQaGu2MNbCN6Djwcr1gy) ## 🪲 Squashing bugs all summer We’ve also spent the last month working on improvements to make the Spritz beta app more stable. We fixed bugs related to finding and adding bills, notifications for current, upcoming, or returned payments, issues with specific wallet connections, and the overall payment experience on both desktop and mobile devices. The beta process has been very helpful in understanding how our community uses Spritz, and to identify other potential roadblocks that prevent you from enjoying the most streamlined crypto bill-pay experience possible. If you previously received early beta access and haven’t logged into the app for a while, we encourage you to see what's fresh in the Spritz app and make your next bill payment with crypto. ## 🏄🏽 Spritz Sessions: Product demo We held our second Spritz Sessions live demo with our Discord community earlier this month and had the opportunity to walk through the new and improved Spritz beta. Check out the recording on YouTube by clicking below to join Laurence, our Lead Engineer,  and Hadley, Head of Community, for the product tour from August 18th. In this session, you'll see Spritz's new and improved onboarding flow make its debut, along with a walkthrough of how to make payments with any stablecoin on the Polygon network! [**Watch Now**](https://www.youtube.com/watch?v=zJLuBuy8GQk) ## 🦜 Twitter Spaces AMA w/ Polygon Daily Last week, our founder and CEO, Chris Sheehan, joined the Polygon Daily team for a special Twitter Spaces AMA. Chris answered questions about Spritz’s vision, how the app works, types of bills payments we support, our roadmap, and more. This was a great opportunity to interact more with the Polygon community on Twitter, and share in the excitement of what we’re building to make Web3 finance better for everyone. You can listen to a recording of the AMA here, and reach out with any additional questions on our Discord! [**Listen Here**](https://twitter.com/i/spaces/1yoKMWPMNgOJQ?s=20) ## 🗒️ Share your Spritz wishlist We’ve made it even easier to request new product features directly through our website! Spritz beta users can now share what they want to see us build next, or let us know about bugs they find when using the Spritz beta app. We’re planning to share back the most requested features for our community to vote on, and make our roadmap publicly available in the near future. We also have a  #feature-request channel in our Discord as well, if that’s more your thing. [**Request a Feature**](https://spritz.canny.io/) ## 🪐 Join r/SpritzFinance We’re bringing a refreshing new perspective to the Reddit community. Join our [subreddit](https://www.reddit.com/r/SpritzFinance/) today to chat all things DeFi, get the latest Spritz updates from your favorite online hangout spot, ask questions, or just say hi! We’re refreshing, not spicy, so we don’t bite. 🍹😉 [**Join our Reddit**](https://www.reddit.com/r/SpritzFinance/) It's been a busy but fun summer so far, and we’ve been working hard to identify new features (some major, some minor) to add to the Spritz app. We’re so excited to show you what’s to come next month, improving the crypto bill pay experience, and furthering our mission to make crypto more useful in the real world! Cheers! The Spritz Team --- # A Security Update from Spritz > After recently discovering an incident involving the security of a Spritz smart contract, we wanted to share our response and discuss how we're enhancing our… _2022-09-01 · Spritz Team_ After discovering an incident involving the security of the Spritz smart contract on July 21 we wanted to share our response and discuss how we’re enhancing our security in the future. On July 21, 2022 at approximately 07:20 UTC we discovered that funds had been withdrawn from six user wallets through a bug in a recent smart contract upgrade. The wallets belonged to a group of special beta test users that were chosen to test out new features on the Spritz app. The upgrade integrated Spritz with a DEX aggregator from [0x](https://www.0x.org/) to get users the best rates when exchanging non-stablecoin tokens to pay a bill with their crypto wallet. The incident affected 6 users and $22,000 in ERC20 tokens were stolen in total. Upon discovery, Spritz immediately shut off the feature that enabled the exploit and took steps to reach out to each user that had been affected individually. We refunded what had been removed from customer wallets and worked with these customers to develop a solution that would ensure their security in the future. Once we determined that the exploit affected only non-stablecoin token payments, we turned stablecoin bill-payment back on for all users. ## What happened? On 20 July 2022, we [upgraded our smart contract](https://polygonscan.com/tx/0x59d85dc56b5c6b5c7243535194cd93cd793b574ee6a2f3f19f5cef88c7e57ec5) to add new functionality which would allow us to integrate with a DEX aggregator to provide our users with better swap functionality. We already had basic swap-to-pay enabled, but this made use of a single decentralized exchange (Uniswap), which has limited liquidity on the Polygon network. Integrating with the DEX aggregator would allow our swaps to go through the best exchange for that particular swap, giving our users access to the best trade possible, and increasing the likelihood that a trade would go through. In integrating with the DEX aggregator from 0x, we used a [guide on their website](https://docs.0x.org/0x-api-swap/guides/use-0x-api-liquidity-in-your-smart-contracts#the-fill-function) which explained how to make use of their swap router in our smart contract. We used this example directly in our contract. Unfortunately, this specific guide contained a very [dangerous exploit](https://ethereum.stackexchange.com/questions/tagged/0x) which would allow any attacker to execute code in our smart code. We later discovered that this was a known vulnerability that had not yet been updated, though it was not widely discussed. The hacker then called a method and executed the transferFrom on every token that users had given approval to our contract to spend. The hacker was then able to drain more tokens from user wallets that had integrated with the newly deployed DEX aggregator. This happened at approximately 06:24:26 UTC on 21 July, 2022. ## What Spritz did in response: We discovered the vulnerability on 21 July, 2022 at approximately 07:20 UTC. Out of an abundance of caution we immediately turned off bill payment so that we could identify how users had been affected. We identified that the exploit affected users who had interacted with the upgraded swap-to-pay feature. At this time we began reaching out to customers who had been affected. We first worked with them to refund tokens that had been lost and then to develop a solution that would further prioritize their security in the future. Once we confirmed that the exploit affected users who had interacted with the DEX aggregator, we rolled back the smart contract so that we could re-enable smart contract interactions with stablecoin payments only. ## How we’re changing our practices: Spritz is prioritizing user security before making further adjustments to our smart contract. We have deployed a number of changes to the Spritz app with enhanced security in mind. As of now, we have: - Adopted static code analysis tools, [slither](https://blog.trailofbits.com/2019/05/27/slither-the-leading-static-analyzer-for-smart-contracts/) and [mythril](https://github.com/ConsenSys/mythril), which can analyze smart contract code and identify potential vulnerabilities before they happen. - Implemented contract monitoring using OpenZeppelin defender - Transferred ownership of the contracts to a Gnosis multi-sig wallet - Implemented pausing on the contract - Added tools to allow us to shut down specific parts of the Spritz platform in the event of emergencies. We have trained our entire global team on how to shut down bill payment on the platform in case of an emergency in the future, and are working on a further plan of action in anticipation of potential future smart contract exploits. Had these tools been in place from the beginning, it is likely that the code would have been identified as a dangerous external call. These tools also enforce best practices and improve the quality of the code as a whole. In the meantime, we will be reintroducing swap-to-pay in the near future, with all of these security measures in place. Our users have requested swap-to-pay, and have told us that it's a must-have feature to let them pay bills with any asset in their crypto wallets. We understand the importance of prioritizing security, especially as a company that works directly with user funds. “We are very saddened by the exploit on our smart contract that affected users of the Spritz app and we remain vigilant against further attacks. It’s our goal that users can enjoy Spritz without worry, and in any case we are always guided by the principle to do what’s right for the customer,” says Christopher Sheehan, founder and CEO of Spritz. --- # How to pay bills with crypto using Spritz > Use the Spritz app to set up a bill payment in seconds and don’t worry about having to off-ramp into a bank to use your crypto in the real world. _2022-08-05 · Spritz Team_ Crypto and DeFi have opened up a lot of doors for new earning opportunities, from things like yield farming and earning on-chain through investing to play-to-earn games and Web3 industry work. The cryptocurrency world is vast, and those earning on-chain are becoming more common as the Web3 industry grows. One of the problems with cryptocurrency, though, is that it’s difficult to off-ramp your crypto into a bank account in order to pay bills. In the past you would have to send your crypto to a centralized exchange, then off-ramp that crypto to a bank account by cashing it out for fiat currency. The process is time consuming and often takes several days for your earnings to reflect in your account. Spritz changes that. Spritz connects your real-world bill pay accounts to your crypto wallet so that you can pay your bills directly, in seconds, with the crypto you keep in your wallet. There is no need to off-ramp into a bank account or swap crypto for fiat, but you can do that too! Spritz makes it easier than ever to actually use the crypto you earn in the real world. Here is how to pay your bills with crypto using Spritz: ## 1\. Setting up your Spritz account Set up your Spritz account by connecting your email address. First you’ll need to answer a couple of quick questions to verify your identity, and then you can begin adding your bill-pay accounts. You’ll need to link your email and phone number, so have your phone ready by your side. ## 2\. Adding your bills Once you’ve completed your account verification, follow the next steps in your Spritz app to begin connecting your bills. Choose the type of bill you'd like to add, then either follow the prompt to have our system find your bills for you, or search for the name of the billing provider and then add your account number to link your account. If you can't find your account, double check that the information you've provided is correct. For things like co-branded credit cards, try the name of the credit card provider (like American Express, MasterCard, or Visa) instead of the company that the credit card is set up with (like Ikea or Costco). ## 3\. Connecting your wallet This is also where you’ll connect your wallet, so make sure you’re using a browser that has your wallet connected to it. You can connect any major crypto wallet such as a MetaMask or Coinbase Wallet to fund your bill payments. If you don't see a wallet provider, such as MetaMask, when connecting on mobile, you can use WalletConnect to easily connect your MetaMask or any other Web3 wallet you use via its QR code. Spritz will never ask you for your private key information. ## 4\. Making a test payment When you set up your first bill payment on Spritz you have the opportunity to make a test payment to get a feel for how Spritz works without the obligation of submitting a full bill payment. Set up a test payment in your Spritz account by choosing the bill you would like to pay. A prompt will appear where you can pre-select payments that value up to $1, $5, or $10, or submit a custom amount. We'll match any payment you make up to $10, so you can make an even bigger payment when you use Spritz for the first time! Once you've chosen how much you'd like to pay in your first test payment, choose the asset you want to pay with and then click on "Allow Spritz to pay with your \[crypto\]" to confirm the transaction in your wallet! ## 5\. Paying a bill Setting up a bill payment with Spritz only takes a couple of seconds. When you’re ready to pay a bill, click on the Bills section of your account dashboard. Scroll through the bills you’ve connected to your account (or add another) and click on “**Pay with crypto**” to set up a payment. Next, choose the blockchain you want to use for the transaction. Currently, you can pick from the Ethereum, BNB Chain, Avalanche, Optimism, Arbitrum, and Polygon networks. Once you're on your chosen blockchain, choose the asset you’d like to pay with and enter the amount in USD. Spritz supports payment with any token on our supported networks, including native tokens like ETH, MATIC, AVAX, Optimistic ETH, and BNB, as well as popular altcoins and stablecoins, including USDC and USDT. Once you’re ready, submit the payment by clicking on the “Pay with” button and then confirm the transaction and gas estimate in your wallet. You may first need to "Accept" the transaction in your wallet, and then complete the payment transaction. When you’ve initiating the payment, wait just a few moments for it to confirm on the blockchain. If using faster networks like Polygon or BNB Chain, this should only take a few seconds and the gas fees should be minimal (pennies!). Once the transaction is confirmed you’ll get a notification in the app and via email. That’s it! You don’t need to do anything else. You'll also be able to track the progress of each payment by switching through the In-progress & Completed payments tabs on the Bills screen. You can use Spritz to choose from thousands of bill-pay accounts in the United States. Here are some of the types of bills you can pay with crypto on Spritz: - Mortgage - Credit cards - Utility bills - Entertainment subscriptions - Phone bill - Student loan - Auto payment ## Tips for getting the most out of Spritz If the bill payment account you’d like to pay doesn’t show up automatically when you look for a new account, you can try adding the account numbers manually. Do this by clicking “Don’t see your bill? Add one here” just below the search bar in the “Link a bill” pop up window. Enter your account information to link the bill and set up a payment when you’re done. If you get stuck at any point in the process, we have several ways to support you. You can open the in-app chat widget to start a conversation with Spritz Support. Plus, you can click on "Share feedback" in the top navigation to leave us feedback, report bugs, and more. Spritz makes it easier than ever to pay bills with crypto. Use the app to set up a bill payment in seconds and don’t worry about having to off-ramp into a bank to use your crypto in the real world. --- # How to Lower Gas Fees when Paying Bills with Crypto > Polygon is easy to bridge with other popular networks like Ethereum, so that made it the best choice to help people lower gas fees when using Spritz to pay… _2022-08-04 · Spritz Team_ You’ve probably heard that we chose the Polygon network to run the Spritz app on because it’s fast and affordable. As a layer-2 scaling solution for Ethereum, Polygon allows dApps to run quickly without users having to pay hefty gas fees in order to use them. At Spritz we wanted you to be able to pay your IRL bills with your magic internet money but we didn’t want to make you pay a lot to be able to do that. Polygon is easy to bridge with other popular networks like Ethereum, so that made it the best choice to help people lower gas fees when using Spritz to pay bills in the real world. When you pay your bills with crypto you may run into lots of expenses if you have to send your crypto to a centralized exchange and then off-ramp into a bank account. One of the biggest hidden expenses in using blockchain networks is the gas fees associated with them, but there are ways to lower how much you pay in gas fees by using apps like Spritz to eliminate how many transactions you need to do in order to get your bills paid. ## How to lower gas fees with Spritz Spritz helps you lower gas fees when you pay your bills with crypto because it runs on the Polygon network. Gas fees on Polygon are so low that, quite frankly, we barely need to have this conversation. Enjoy extremely low gas fees (we’re talking less than a penny!) when you use Spritz to pay your bills. Using Spritz also minimizes the amount of transactions you need to make in order to make a bill payment because you don’t have to send your crypto from your wallet to a centralized exchange and then into your bank account. This creates a real-world use for crypto without requiring you to sell it for fiat currency first—so there are less swaps too! ## Comparing gas fees with networks like Ethereum You can compare gas fees on networks like Ethereum and even run a [gas fee estimator](http://polygas.org/) to find out how much you’ll have to pay when you pay your bills with Spritz on the Polygon network. But like we said before, the gas fees are generally so minimal that it’s kind of a non-issue to begin with. [Polygonscan](https://polygonscan.com/gastracker) will give you a good idea of how much gas people paid to make a recent transaction. Meanwhile on Ethereum, gas fees will usually range from a couple of dollars’ worth of ETH to hundreds of dollars if the network is particularly congested. If you were active on Ethereum during the recent bull run, you know how high gas fees can get. Here is a [gas fee estimator for Ethereum](https://www.gwei.at/). The best ways to lower gas fees on transactions is to [bridge your assets](/blog/bridge-tokens-polygon) from networks like Ethereum and pay your bills with tokens on the Polygon network. Bridging is fast and easy, and will let you easily migrate your assets from one network to another without having to swap assets. Speaking of swapping assets; if you buy your crypto on a centralized exchange, it’s most likely on the Ethereum network. You’ll have to bridge it to Polygon in order to use it on the Polygon network—even for the Polygon MATIC token. The best way to do that is to send your crypto from the exchange to your Ethereum wallet, then go to the Polygon PoS bridge and bridge it to your Polygon wallet. But don’t worry, that will only take a couple of minutes. ## Bridging To use the Polygon PoS bridge, first make sure you've opened a Polygon wallet in your wallet of choice. On wallets like MetaMask and Coinbase Wallet, you’ll just have to go into the settings and select the Polygon network to add a new blockchain to your wallet. Once you’ve added the network, switch back to your Ethereum wallet. Next head to the Polygon PoS bridge. This will let you select which assets you’d like to bridge to your new Polygon wallet and complete the transaction in seconds. Once you select which asset you want to bridge and how much, all you have to do is confirm the transaction in your wallet and the funds will be in your Polygon wallet in minutes! Paying your bills with crypto on Spritz is quick, affordable, and easy. Gas fees are a frustrating expense, but luckily the Web3 ecosystem is growing and solutions are becoming more common every day. For us, the solution was Polygon. Join our [beta program](/) now to enjoy lower gas fees when you pay your bills with crypto—and you’ll enjoy the extra time you have now that you don’t have to off-ramp your crypto into a bank account. Imagine what you could do with all of that extra time? --- # Spritz Community Update: July 2022 > Here’s our community update for July to give you a taste of everything we brought to Spritz this month! _2022-07-28 · Spritz Team_ Hello to all of our Sprites! It’s the middle of summer and we hope you’re staying cool with something refreshing. 🍹 Here’s our July 2022 community update to give you a taste of what’s new and everything we brought to Spritz this month. **Updates** ## 🔗 Spritz now supports payments through Coinbase Wallet Now you can link your Coinbase Wallet directly to Spritz to make bill payments with your crypto earnings! We recognized that lots of people use centralized exchanges like Coinbase and their decentralized products like Coinbase Wallet. The ability to connect to Coinbase Wallet felt like a natural next step for the Spritz app. Now even more DeFi users will be able to pay their bills with crypto without having to first sell to fiat on a centralized exchange and then off ramp to a bank account. You can read more about how to pay bills through your Coinbase Wallet by reading our latest product update blog. [**Learn More**](/blog/spritz-now-supports-bill-payments-directly-from-coinbase-wallet) ## 👐 Private beta open to more US customers We’ve spent the last month inviting more users to test out the Spritz beta. Our beta testers have been a huge help in making sure the Spritz app is the best it can be, and we’re welcoming even more users to the program in the coming weeks! Right now, the Spritz beta is open to users with a US bill payment account. That includes US residents living abroad and non-US residents living in the United States (as long as you have a US billing account and mailing address). We’re giving priority beta access to DeFi users with assets in a Polygon wallet and a bill ready to be paid. You can easily bridge assets to the Polygon network if you’re on another blockchain by following the steps we outlined on [our blog](/blog/bridge-tokens-polygon). You’ll also get access to a dedicated beta program chat in our Discord where you can share your experience and be part of the community. Apply for the Spritz beta today! [**Request Access**](https://share.hsforms.com/1HJewUo8GQaGu2MNbCN6Djwcr1gy) ## 💜 Guide to Polygon DeFi This month we added new educational content to our blog aimed at helping users navigate both Spritz and the DeFi ecosystem easier. Learn more about using DeFi apps on Polygon, how to bridge assets to the Polygon network, and minimizing gas fees when paying bills with crypto! [**Read More**](/blog/guide-to-polygon-defi) ## 📚 The ABC’s of Spritz: Help Center Refresh We took some time to update our FAQs and Help Center with new content! We did this to increase transparency about how Spritz works, what kind of data it stores, and other common questions we get from our beta users. [**Check it Out**](https://help.spritz.finance/en/) ## 👾 Spritz Sessions: Product demo on Discord We hosted our first Spritz Sessions on Discord by providing a live product demo on July 15 with the Spritz team! It was a great way for our community to get to know the product and our team. Those in attendance also had an opportunity to ask any questions about how to best use Spritz, how our crypto bill pay works, and what we’re working on next. We’ll be hosting product demos monthly with other exciting events in the works with the next product demo coming on August 15. Join our [Discord](https://discord.com/invite/spritz) for information on upcoming events and opportunities and to get involved with the Spritz community! [**Join Discord**](https://discord.com/invite/spritz) ## 📰 Spritz in the news! Bill pay beta launch on Polygon, Direct Pay with $USDC, and more Earlier this month, Spritz was covered in a variety of crypto and web3 publications, including the Daily Hodl, Invezz, and the team at Circle, who featured our Direct Wallet Pay launch. Check out some of the coverage below. The Daily HODL: [Spritz Finance Beta Launches on Polygon Network](https://dailyhodl.com/2022/06/14/spritz-finance-bill-pay-beta-launches-on-polygon-network/) The Circle Pressroom: [Spritz Finance launches Direct Wallet Pay, the easiest way to pay real-world bills with USDC from any crypto wallet](https://www.circle.com/en/pressroom/spritz-finance-launches-direct-wallet-pay-the-easiest-way-to-pay-real-world-bills-with-usdc-from-any-crypto-wallet) Invezz: [Can MATIC Increase in Value After Spritz Finance Bill Pay Beta Launch?](https://invezz.com/news/2022/06/15/can-matic-increase-in-value-after-spritz-finance-bill-pay-beta-launch/) By supporting stablecoin payments on Polygon through popular wallets like Metamask (with more token support coming soon), Spritz makes near-instant payouts to thousands of US bill pay providers seamlessly, including banks, mortgage providers, and other TradFi institutions. For more on why we decided to launch on Polygon, check out our blog. [**Read More**](/blog/spritz-private-beta-launches-on-polygon-to-make-crypto-bill-payments-a-breeze) ## 🪙 Soon: Pay bills with all tokens! We’re proud to announce that we’re almost ready to launch bill pay with all tokens on the Polygon network! We introduced our new [Direct Wallet Pay](/blog/introducing-direct-wallet-pay-real-world-bills-in-usdc-from-crypto-wallet) feature last month which lets you pay bills directly from your crypto wallet with any stablecoin. You’ve mentioned to us that you would love to be able to pay your bills with any token, so we’re working on making that happen! Soon you’ll be able to schedule bill payments with any crypto on Polygon directly from your wallet. Choose from thousands of tokens and thousands of bill types to have the most freedom to use your crypto in the real world. Right now we’re testing the feature out and hope to roll it out to all beta users in the coming weeks. That includes any ERC-20 token that can bridge to Polygon via the Polygon PoS Bridge or similar protocols. We created this [helpful guide](/blog/bridge-tokens-polygon) to help you bridge assets from other networks like Ethereum. Our non-stablecoin bill payments will work a bit differently from our stablecoin bill payments. When you pay a bill with a non-stablecoin token we’ll take the maximum amount needed from your wallet in order to swap your crypto for fiat currency and pay your bill. If there is any crypto remaining, we’ll return it to your wallet. If you’ve already got some tokens you’d like to pay bills with, you’ll soon be able to schedule a bill payment using Spritz! [**Learn More**](https://help.spritz.finance/en/articles/6405459-what-happens-when-i-pay-a-bill-with-a-non-stablecoin-token) Stay cool this summer and enjoy the true freedom of DeFi with bill payments on Spritz! We’re working on a lot more that we’re excited to share with you and can’t wait to get to know our community more. Join our [Discord](https://discord.com/invite/spritz) to stay connected, learn about events, and be the first to know about new opportunities and features as they come up. See you next month! ☀️ --- # How to bridge tokens from Ethereum to Polygon > We chose Polygon because it offered fast transaction speeds and low gas fees, making it a great choice for bill payments with crypto, but you may need to use… _2022-07-22 · Spritz Team_ There are tons of layer-1 and layer-2 networks to build projects on, and each one offers different benefits and drawbacks. Spritz supportsPolygon network to let you send bill payments directly to your accounts with your preferred crypto wallet. Polygon offers fast transaction speeds and low gas fees, making it a great choice for payments with crypto, plus it's easy to bridge assets from other networks to Polygon to save on gas fees! ## Why do I need to use a Polygon bridge? The Ethereum blockchain is by far the most popular layer-1 blockchain in use today. Its robust ecosystem and wide global user base makes it a popular network for things like NFTs and decentralized metaverse platforms like Decentraland. Ethereum was the first decentralized blockchain to introduce smart contracts, bringing a world of new use cases to blockchain technology that is not possible on networks like Bitcoin. However, it does come with its own drawbacks. For one, Ethereum is slow. As the first smart contract-capable blockchain it enabled developers to create projects on top of the network, but the network itself is slow and expensive to use because it uses a Proof-of-Work mechanism. Enter the Polygon sidechain, a layer-2 scaling solution for Ethereum that allows developers to deploy smart contracts—and for individuals to use the network, at a much faster and more affordable rate. Gas fees on Ethereum are expensive, and transactions can take several minutes to several hours to confirm on the network depending on how congested it is at any given time. If Spritz were to launch on the Ethereum mainnet, you could spend a lot of money on gas fees and have to wait a long time for your bills to get paid. The [Polygon Bridge](https://wallet-dev.polygon.technology/bridge/) enables the fast transfer of assets like crypto from the Ethereum blockchain onto the Polygon network. This lets you easily send your crypto from one network to another in just a couple of seconds, so that you can then pay your bills quickly and in only a few pennies worth of crypto in gas fees. ## How do I use the Polygon bridge? We’re glad you asked! It’s very easy, but we can understand if you’re nervous about whether you’ll do it right the first time. The first thing you’ll need to do is open a Polygon wallet through your preferred crypto wallet. Spritz accepts most major wallets, including MetaMask and Coinbase Wallet. **On MetaMask:** Open your wallet within your browser and click on the drop down menu at the top that says “Ethereum Mainnet,” click on “Add Network” and search for the Polygon Mainnet. You can also add the Chain ID for Polygon: 137 **On Coinbase Wallet:** Within your mobile Coinbase wallet click on “Settings,” then click on “Active Network” and then “Polygon Mainnet” from the list of options. If the Polygon Mainnet isn’t available, try updating your app. You’ll need to go back to the Ethereum Mainnet in order to bridge your assets, but this will teach you how to access your Polygon assets once they’re bridged. After you’ve added the network to your wallet, switch back to your Ethereum wallet and head to [https://wallet.polygon.technology/login/](https://wallet.polygon.technology/login/) to access your Polygon wallet and the Polygon PoS bridge. Use your preferred crypto wallet to connect to the website and confirm your login within your wallet of choice. You should never be asked for your private keys. Click on the bridge icon to be redirected to the Polygon PoS bridge, and follow the prompts to bridge whichever Ethereum assets you want to the Polygon network. Once you sign the transaction in your wallet and approve the gas fees, it should only take a couple of minutes for the assets to bridge. ## Are there any risks involved by using the Polygon bridge? There are. To properly explain the risks you’ll need to understand how a bridge works. Most bridging protocols let users bridge their assets by swapping them from the native token to a token that can represent it on another network—like swapping Bitcoin for Wrapped Bitcoin, ETH to WETH, and so on. When you bridge those assets you’re essentially dropping off your tokens into a pool of assets that then issue the representative token on the other network. Think of it like an arcade. You go to the arcade with a roll of quarters but realize when you get there that the arcade has its own coins, so you go to the machine that lets you buy tokens with your quarters. The machine is both the bridge, letting you swap your assets, and the liquidity pool holding both types of assets. If someone were to steal all of the quarters or arcade tokens in the machine, its swapping mechanism wouldn’t work. A blockchain bridge is similar, but the risk comes from the network being attacked and not necessarily the bridge itself, though that can happen. Since the assets you’ve bridged are all sitting in one pool, they’re susceptible to attacks that make them vulnerable. We recommend picking a bridge that is reputable and has a long history of operating without being attacked. You can minimize risk by picking well known and widely used bridging protocols with a good security mechanism. Projects that are more decentralized or are widely used and distributed across a lot of nodes as opposed to just a few are safer as well, since an attacker would have to take over more nodes in order to break into the network. Bridges like the Polygon PoS are widely used and distributed across a network of [validators](https://wallet.polygon.technology/staking/validators/). Not all bridges are built the same, so you’ll want to find one that can transfer assets quickly while also checking off all of the security requirements you have. Some Sprites love using bridges like [Hop](https://app.hop.exchange/#/send?token=ETH) and [Across](https://across.to/), which are great options for both security and affordability, as well as speed. Both Hop and Across are great options if you have tokens on other Ethereum layer-2 scaling chains, such as Arbitrum and Optimism, and looking to bridge assets from those networks to Polygon. The [Arbitrum Bridge](https://bridge.arbitrum.io/) is also popular, though the transaction may take a couple of days. We personally love the Polygon PoS bridge, which works with assets on Ethereum.. Bridging assets from other networks onto Polygon is quick and easy, just like Spritz.  Once you bridge your assets you can quickly pay your bills, off-ramp, or load your SpritzCard with lower gas fees than other networks. Just head to your Spritz account, answer a few questions to connect your bills and set up your payment. The whole thing will only take a couple of minutes, that way you can spend your time doing something more fun. Cheers! --- # Guide to Polygon DeFi > Polygon is a layer 2 sidechain scaling solution for the Ethereum network, and the Polygon DeFi space is quickly growing as more users are onboarded into Web3. _2022-07-19 · Spritz Team_ Polygon is a layer 2 sidechain scaling solution for the Ethereum network, and the Polygon DeFi space is quickly growing as more users are onboarded into Web3. Spritz allows DeFi users to pay their real-world bills straight from their crypto wallets, so choosing a network with a robust dApp ecosystem like the Polygon DeFi space was important to us. Ethereum is one of the most promising open-source blockchains of our time—but it’s not without its own issues. One of its core problems is scalability; as of 2022, Ethereum’s network is only capable of supporting around 10 transactions per second. In an ecosystem that prides itself on an ever-rising number of DApps (decentralized apps) and accompanying transactions, this is an obvious issue that made us look for other solutions on different networks. With each bull cycle, Ethereum gas fees skyrocket—potentially dashing the hopes for an affordable, mainstream network that Ethereum was designed to be. Luckily, this problem isn’t unsolvable thanks to solutions like Polygon. This layer 2 “sidechain” is a scaling solution for Ethereum, ushering in lower user costs and faster transactions. Think of Polygon as a speedy highway running parallel to the primary Ethereum blockchain; you can “bridge” your crypto to Polygon, and then use it to interact with various crypto apps that would otherwise be exclusive to the (costly and slow) Ethereum main network. Considering Polygon’s increasingly important role in the Ethereum ecosystem, we decided it would be a good network to launch on to offer bill payment solutions with real-world finance. ## How does Polygon work? The network congestion on Ethereum’s main blockchain makes interacting with smart contracts, transferring tokens, using other DeFi protocols and apps, or buying and selling non fungible tokens (NFTs) slower and more expensive. Polygon makes all of these types of transactions cheaper by processing transactions on its sidechain. The results are clear: while Ethereum is only capable of processing between 15 and 30 transactions per second, Polygon can potentially process an astounding 65,000 transactions per second! And Polygon isn’t just faster — it’s also cheaper. Even after the recent price hike, Polygon’s gas fees are still in the range of mere pennies. In comparison, the average Ethereum transaction costs users around $15, with some transaction fees going as high as hundreds of dollars during high traffic periods of time. Polygon also offers a variety of layer 2 scaling solutions for project teams, allowing DApp developers to choose optimistic rollups, zk rollups, a PoS blockchain bridge, plasma sidechains, and others. One of Polygon’s greatest strengths is its acknowledgment of a simple fact—there’s no universal scaling solution that equally fits all applications. Each one has its own tradeoffs between transaction speed, fees, and security—Polygon believes developers should be able to choose the one best suited for their app. For developers, this is the main selling point of Polygon compared to other layer-2 scaling solutions. The abundance of different solutions that are available on Polygon’s blockchain gives developers a significantly higher level of customization and control over their applications. ## Should you invest in Polygon? The success of Polygon is largely dependent on the success of Ethereum—and thanks to the popularity of Ethereum-based DeFi apps, NFT transactions, smart contracts, and various other exciting blockchain technologies, the future prospects of Ethereum are likely to remain bright. Consequently, projects that improve Ethereum in meaningful ways—like Polygon—are also likely to enjoy significant success. Polygon has a reasonable chance of becoming the primary layer-2 scaling solution for Ethereum, solving some of the main issues that Ethereum users have been bringing up for years. The current (July 2022) market cap of MATIC is over $4.5 billion, making MATIC one of the world’s top 20 cryptocurrencies. We’re not giving investment advice, but we do believe in the future of Polygon just like we believe in the future of Ethereum. ## How to connect to Polygon: Right now there are plenty of popular DeFi protocols that you can use via Polygon—from Aave and similar lending protocols to decentralized exchanges such as SushiSwap and QuickSwap. However, before you can connect to the Polygon network, you’ll have to send some crypto to a wallet like MetaMask. Then you’ll be able to bridge this crypto to the Polygon blockchain. Naturally, you’ll also need to have some MATIC in your wallet for transaction fees to use dApps like Spritz to pay your bills with crypto—though Polygon gas fees are low enough that a few dollar’s worth will probably suffice. Here are the steps for using Polygon via MetaMask: - If you’re already using MetaMask with Ethereum, you’ll need to connect to Polygon’s network as well — if not, download MetaMask to your computer or mobile device. - At the top of the MetaMask interface, find the dropdown menu with your networks — by default, this will probably be set to “Ethereum Mainnet.” - Choose the “Custom RPC” option. - For the network name, type “Polygon Mainnet”. - For the RPC URL, enter [rpc-mainnet.maticvigil.com](http://rpc-mainnet.maticvigil.com/) - For the Chain ID, enter 137 - The currency symbol is an optional field, but you can enter “MATIC”. - In the “Block Explorer URL” field, enter: [https://explorer.matic.network](https://explorer.matic.network/). - That’s it! After clicking “Save”, you’ll be connected to Polygon’s blockchain! You can now use all the DApps you want — after transferring some tokens to the Polygon network, of course. ## How to bridge assets to Polygon: If you own Ethereum assets, you can bridge them to Polygon instead of buying more there thanks to Polygon’s PoS token bridge. All compatible DApps can use this proof-of-stake bridge to move tokens from Matic to Ethereum and vice versa. Usually deposits to Matic take up to 8 minutes, while withdrawals take around 30 minutes. Just remember that you’ll need a small amount of MATIC for the low, but still existent gas fees. When you’re ready to move assets from Ethereum to Polygon, here’s the procedure for the bridge: - Access your Polygon web wallet [here](https://wallet.polygon.technology/login/). - Set your MetaMask network to “Ethereum Mainnet” before connecting. - Click on the “Move funds to Matic Mainnet” option. - Choose the cryptocurrency and the quantity you want to bridge to Polygon. - Confirm the transaction after clicking “Continue.” - At this point, the Ethereum gas fees will be deducted, and the asset transfer will take up to 8 minutes. You’ll be able to track the progress of your transaction on the next screen. - When it’s done, you’ll see your updated balance sheet on the main page of your web wallet. If you don’t have any Matic for your gas fees, turn to a crypto faucet like [https://matic.supply/](https://matic.supply/). It will provide you with a small amount of MATIC so you can fund your first Polygon transaction. ## How to use Polygon DApps There’s a large number of Polygon-compatible DApps, including a few major Ethereum DeFi protocols. You can easily use all of them with Polygon—all you have to do is to access the Polygon network through MetaMask and connect to the DeFi protocol of your choice. Right now, some of the most popular ones are used for yield farming—allowing users to increase the liquidity of DEX (decentralized exchanges) in return for rewards, or borrow crypto through them. These are just some of the many practical applications of smart contracts that are quickly democratizing the global financial system. And here are some of the most popular DApps you can use if you want to get started on yield farming as well: **Aave** Aave is one of the most popular protocols for decentralized lending on the Ethereum blockchain — which you can access through Polygon as well. Its current TVL is around $8 billion. You can use Aave to put your digital assets into decentralized liquidity pools and earn interest in the form of Aave’s native token, aToken. You can also borrow digital assets, or even take out short-term “Flash Loans” without any collateral. So, how do you get started with Aave? After creating an account and logging in, you’ll need to make a deposit that will either act as collateral for your next loan, or as the stake on which you’ll start earning interest. Aave’s deposit screen lets you see all of the current interest rates for various tokens, calculated in APY—their annual percentage yields. These change all the time, but there’s something Aave and all other DeFi protocols have in common when it comes to APY—the interest rates on stablecoins are highest by far, despite changes in the market. **SushiSwap** SushiSwap is another popular DEX, with a respectable TVL of around $580 million as of July 2022. The platform has been busy helping smaller new tokens get off the ground, and it’s also launched Bento Box—its own decentralized liquidity pool that’s compatible with other DeFi apps. It’s both an exchange and a lending facility, which gives users a lot of options for creative trades. And while it was initially deployed on Ethereum, it’s now present on some of the bigger layer-2 networks—including Polygon. SushiSwap is quickly turning out to be one of the most promising DeFi ecosystems, with plenty of innovations and exciting additions underway. Just last year, the folks behind SushiSwap unveiled their latest project—an NFT (non-fungible token) platform called Shoyu. The goal of this platform is to deal with some of the shortcomings of the most popular NFT platforms that exist today, like high Ethereum gas fees, limited image sizes, and a small number of file format options. **QuickSwap** Essentially, QuickSwap is a DEX designed to be an Uniswap clone—but one completely devoted to the layer-2 infrastructure. It’s based on Ethereum, but it was built entirely on Polygon, putting it ahead of its older brother Uniswap in a few key ways. QuickSwap users can trade in any ERC-20 token with near-zero gas fees and at breakneck speed. Its current TVL is $463.5m, but it’s growing rapidly, and its prospects are bright. The huge boom of decentralized finance in 2021 put enormous strain on the main Ethereum network, creating demand for a quicker, cheaper Polygon-based alternative to the slow and expensive DEX based on the Ethereum mainchain—and that’s exactly what QuickSwap is. If you want to start farming on QuickSwap, you’ll find that the process is quite similar to SUSHI farming on SushiSwap. The most important part of the process is choosing the right liquidity pool to place your assets in. Before doing this, we suggest carefully analyzing your personal financial situation and doing plenty of research into different crypto assets. Not all liquidity pools on QuickSwap are QUICK token recipients—and their APY also varies. Of course, the reward isn’t the only thing that’s unevenly distributed between liquidity pools—there’s also the question of risk. And in this case, stablecoin pools (especially USDC-maUSDC) are also the safest bet—they’ve got the best chance of staying at their dollar value, as long as the stablecoin stays pegged to the US dollar. On the other hand, pools made with two more volatile tokens come with higher risks of price depreciation as well as impermanent loss — so don’t just look at APY values when choosing liquidity pools. Polygon has a decent chance of becoming the go-to layer-2 scaling solution for Ethereum. This sidechain’s token already has one of the biggest market caps compared to all cryptocurrencies, and a robust set of DeFi apps have set up shop on the Polygon network. Right now, there’s no reason to think it won’t enjoy even more growth and success in the future. And that’s why Spritz has launched its private beta on Polygon, making crypto bill payments easier than ever for DeFi users! _Disclaimer: The content in this article is for informational purposes only and is not intended to be financial advice._ --- # Spritz Now Supports Bill Payments Directly From Coinbase Wallet > Spritz is happy to announce that we now support bill payments directly from Coinbase Wallet, expanding our services to more users in decentralized finance. _2022-07-18 · Spritz Team_ Spritz is happy to announce that we now support bill payments directly from Coinbase Wallet, expanding our services to more users in decentralized finance who want to pay their bills with crypto directly. Enjoy the ease of being able to pay bills directly from your crypto wallet without having to off-ramp crypto to a bank account. That’s something we can cheers to! 😉 The Spritz app lets users easily connect their real-world bills to their Web3 wallets where they can make payments directly to their monthly bills and expenses, including credit cards, auto loans, mortgages and more with any token on Polygon, including MATIC, and major stablecoins,such as USDC, USDT, DAI, and more. We think DeFi should be easy to use, so we’re taking the steps to make it that way. We chose to support the Coinbase Wallet for its ease of use and accessibility for all DeFi users, especially in the United States. We recognize that many DeFi users interact with centralized exchanges in a way that would be beneficial for them to have access to direct bill payment with crypto. With [98 million users](https://www.coinbase.com/about) worldwide, Coinbase is a major part of the DeFi ecosystem, especially for people at the start of their journey into Web3 and DeFi. The Spritz app is designed to make DeFi bill-pay easy, so that you can get back to doing what you love and spend less time messing with your finances. Those interested in paying bills through Spritz can currently request beta access to test out the early stages of the Spritz app through the waitlist on our website. Currently, we’re giving priority to beta users located in the United States who are active on the Polygon network. We chose the Polygon network for its scalability and speed, as well as its proximity to major DeFi and Web3 dApps within the Ethereum ecosystem. As one of the strongest ecosystems in the Web3 space today, the need for an app that lets active users streamline their finances from their DeFi positions and into the real world was obvious to us. What Spritz enables is a brighter future for the DeFi world. With more people onboarding into the space and earning a living with cryptocurrency, looking at it as an investment opportunity is no longer applicable to every user. The Spritz app is the next step for DeFi, enabling fast and secure bill-payment options that minimize the number of swaps, transactions, and fees incurred when moving crypto from wallet to IRL usage. You can easily bridge assets from Ethereum and other blockchain networks onto Polygon by using the Polygon PoS bridge, located [here](https://wallet.polygon.technology/login/). For now you’ll need to bridge your assets into Polygon in order to pay your bills with crypto on Spritz if you’re not on the Polygon network already. We plan to open up the app to other networks in the near future. Join Spritz now, connect your Coinbase Wallet (or preferred wallet) and experience the true freedom of DeFi and a better crypto off-ramp for paying real-world bills! You can access our [waitlist here](/). Join our [Discord](https://discord.gg/aKnaqQhJ) to get involved with the community, ask any questions, and let us know of any ideas you may have for how to make Spritz better for you. We can’t wait to show you what Spritz can do. Cheers! --- # 4 Tips to Save on Crypto Taxes With Spritz > Spritz Finance makes it easy to use your cryptocurrency in the real world by setting up bill payments that connect directly to your cryptocurrency wallet.… _2022-06-23 · Spritz Team_ There’s no doubt that crypto is one of the most exciting and fastest growing financial avenues available today. But with all of that growth comes changes to regulations and tax structures in both the United States and abroad. Spritz Finance makes it easy to use your cryptocurrency in the real world by setting up bill payments that connect directly to your cryptocurrency wallet. We often get questions about how paying your bills with Spritz might affect you around tax season. Today we’re going to talk about the current tax rules around cryptocurrency and discuss a few ways that you may approach taxes with [Spritz Finance](/). This isn’t financial or tax advice, and we advise you to work with an accountant to answer any legal questions about taxes. ## Briefly, here’s what the IRS says in 2022 about crypto taxes in the US: Everyone knows regulations are in flux in both the United States and internationally regarding crypto taxes. Currently the IRS classifies cryptocurrency as a property, meaning it’s treated as an investment and not cash. Here’s what the [IRS says about cryptocurrencies](https://www.irs.gov/businesses/small-businesses-self-employed/virtual-currencies) and how they relate to potential [taxable events](https://www.investopedia.com/terms/t/taxableevent.asp) as of 2022: Any of the following could trigger a capital gains or losses tax liability: - Selling crypto for fiat currency - Exchanging one cryptocurrency or token for another - Spending cryptocurrency [Capital gains](https://www.investopedia.com/terms/c/capitalgain.asp) taxes may apply when you sell an asset for more than you paid for it. Capital losses refers to when you sell an asset for less than you paid, meaning the amount you lost is a loss on your taxes. There are two types of capital gains: long term capital gains and short term capital gains. Long term capital gains refers to the sale of assets that have been held for longer than 12 months, while short term capital gains refers to the sale of assets that have been held for less. Short term capital gains are higher, and are taxed as income while long-term capital gains are taxed as a long-term investment. The longer you hold an asset, the less you’ll pay in taxes when you sell it. The [exact amounts](https://turbotax.intuit.com/tax-tips/investments-and-taxes/guide-to-short-term-vs-long-term-capital-gains-taxes-brokerage-accounts-etc/L7KCu9etn) you’ll pay varies. Spritz Finance lets you control just how much you use to pay your bills with crypto, limiting how much you’ll be taxed to only what is necessary for you. To take advantage of long term capital gains, we recommend keeping track of how much cryptocurrency you convert into a qualifying Spritz stablecoin and how often. The best way to optimize this, and to make sure you’re doing it correctly, is to work with an accountant that has experience in cryptocurrency specifically. There are a lot of tax services out there that are specific to crypto, like [zenledger](https://www.zenledger.io/), [taxbit](https://taxbit.com/), or [Koinly](https://koinly.io/crypto-accountants/). Cryptocurrency taxes may seem complicated, but **saving on crypto taxes is really about exchanging as little as possible—something that Spritz enables**. It’s time to make your crypto work smarter by using it to pay your bills and monthly expenses without fully unwinding your DeFi positions or off-ramping to a bank by using Spritz. There are several ways to save money on taxes by doing this, so we’ll walk you through all of them here. ## Tip 1: Sometimes it’s easier to [HODL](https://www.investopedia.com/terms/h/hodl.asp). HODL is the crypto credo, but sometimes it’s hard to do when you have bills to pay. The problem with paying your bills by exchanging large amounts of cryptocurrency to fiat currency and then transferring it to a bank is that each conversion triggers what is called a taxable event. However much you convert is how much you’ll be taxed on, so you could be paying more in taxes by converting crypto that you don’t need to use. You could instead swap only what you need each time you need to pay a bill, but because you pay fees on each transaction, swapping smaller amounts more often isn’t a great solution either. Spritz helps you avoid taking out too much in digital assets with our innovative crypto bill payment solution. Now, you can directly pay off your US based credit cards, loans, and other bills right from the Spritz app. Instead of converting your crypto into fiat currencies like USD and then transferring them to a bank to pay your bills, you can pay directly with cryptocurrency and only spend as much as you need. Our [Direct Wallet Pay](/blog/introducing-direct-wallet-pay-real-world-bills-in-usdc-from-crypto-wallet) feature lets all users with major crypto wallets make instant payments to thousands of US service providers. Use the Spritz app to arrange a direct payment with your wallet and only pay capital gains or losses taxes on the single transaction from crypto to fiat that is done through Spritz. ## Tip 2: Spritz helps you save on gas fees. You love the potential for crypto, but converting it to fiat in order to use it can be time consuming and expensive when you have to pay gas fees on each transaction. Using your cryptocurrency in the real world often means having to swap it in a decentralized exchange, send that cryptocurrency to a centralized exchange from your wallet, and either swap it again to a fiat currency or cash it out before sending it to your centralized bank. The process is complicated, expensive, and far from user-friendly. To make matters worse, because you’ve taken out more than you really needed to account for the complicated process and gas fees, you’ll have to pay more taxes on that additional fiat. Spritz fixes that by handling everything. Using crypto to pay your bills has never been easier and more affordable by letting you transact only what you need. Spritz enables you to do only one transaction to both exchange your crypto to fiat and send it to be used to pay a bill all in one transaction. ## Tip 3: Use Spritz to cover your expenses while your income is lower. One of the more obvious answers to the benefits of using your crypto for bill payments is that when you’re a little short on cash, it’s nice to have a way to break off a piece of your investment without having to liquidate everything. Why pay bills late, incur late fees and other charges when you have your crypto sitting right there? Be nimble, while you figure out your next move. And if you use our platform, you can do this easily using [Spritz.](https://help.spritz.finance/en/articles/6272422-how-does-direct-wallet-pay-work) Like we mentioned earlier, cashing out on an investment after holding it for less than a year may incur a short term capital gains tax, which is taxed as income in the United States. Consider your short term investments as a form of paying yourself for the investment work you’re doing, and minimize the transactions and associated taxable events by paying your bills directly with Spritz. ## Tip 4: If you’re getting paid in crypto, Spritz makes life easier (and cheaper). Okay, this isn’t really a tax tip, but say you’re getting paid in crypto. That’s great! Now that you’ve experienced the freedom of DeFi, and left behind all those banking, ATM, and other account fees, you probably don’t want to then have to go through the trouble of transferring your pay check to a centralized bank. Spritz helps you stay out of the traditional banking loop by letting you pay bills directly from your crypto wallet. Avoid fees and stay true to the decentralized spirit. ## Use Spritz to pay the bills, while moving less crypto from your account Right now, you can [join our beta](/) and get access if you’re a U.S. resident. ### Contact Spritz for assistance Other questions? Email us at [support@spritz.finance](mailto:support@spritz.finance), chat with us at [spritz.finance](/), or find us on our [Discord](https://discord.gg/tcUnDqTCaE). ### Disclaimer **The content above is for informational purposes only and is not meant to be taken as investment or tax advice. Any investment decisions should be made by the individual based on their financial needs and risk aversion. Please contact a broker or accountant for financial advice.** --- # 6 best USDC yield farms > So, you’ve been thinking about getting into yield farming? Who can blame you, right? It lets you earn higher rewards on your crypto than just putting it into… _2022-06-16 · Spritz Team_ So, you’ve been thinking about getting into yield farming? Who can blame you, right? It lets you earn higher rewards on your crypto than just putting it into a wallet and waiting for its value to increase. But here’s the thing. You need to find the right yield farm. It’s simple, if you use a reputable yield farm, you’ll avoid scams and reduce your risks of getting hacked. If not, well, you can guess the consequences. However, the problem is that there are so many yield farms out there that it could be difficult to find the right one for you. Fortunately, we’re here to help and, in this post, we’ll look at the best USDC yield farms out there today. ## Let’s Recap Wait, before we look at the best USDC yield farming, let’s first recap some concepts so that everyone knows what we’re talking about. **What is Yield Farming?** So, what exactly is yield farming? Simply put, [yield farming](https://www.fool.com/investing/stock-market/market-sectors/financials/cryptocurrency-stocks/yield-farming/) is when you use decentralized finance (DeFi) protocols to generate higher returns on your crypto investments. Remember, DeFi is the umbrella term for a variety of blockchain-based financial applications that facilitate peer-to-peer lending and payments. Anyway, instead of just storing your crypto in a wallet and waiting for its value to increase, with yield farming you’ll typically stake or lend it out to generate returns. [These returns](https://coinmarketcap.com/alexandria/article/what-is-yield-farming) can take the form of a percentage of transaction fees, interest, or in some cases governance tokens. **How Does Yield Farming Work?** We’ve now recapped what yield farming is. Good. Let’s now look at how it works. There are several types of yield farming that let you generate a return on your crypto. No matter which you use, yield farming is made possible by smart contracts that automate the financial transactions between everyone on the network. The different types of yield farming include providing liquidity, lending, borrowing, and staking. **What is APY in Yield Farming?** Finally, you should understand how you calculate your returns when yield farming. Generally, when it comes to investments, you’ll find two measurements – annual percentage rate (APR) and annual percentage yield (APY). Although each refers to the percentage returns earned in a year, the difference between the two is that APY takes into account compound interest while APR does not. And this is an important distinction, as compound interest is where the magic happens. This is simply because compound interest allows you to grow your investments exponentially. It’s no wonder Einstein said that compound interest is the eighth wonder of the world. Yield farmers, platforms, and protocols use both APY and APR as a yardstick when measuring returns. But considering its unique features, yield farming might need a unique metric soon. ## Why USDC? Now, why should you use USDC when yield farming? For one, as a stablecoin, USDC is pegged at 1:1 to the US dollar. In addition, it’s [fully backed](https://www.investopedia.com/usd-coin-5210435) by US dollars and dollar-denominated assets. So, you’ll avoid the volatility of many other cryptocurrencies. In turn, this can also help you to stabilize your portfolio. An added advantage is that USDC makes it easy to transfer money into and out of a token in dollar value without needing to convert crypto into it. In other words, you’ll always know what your tokens are worth. ## Top 6 USDC Yield Farms We’ve finally come to the part you’re here to read. What are some of the best USDC yield farms available out there? Luckily, we’ve done the research, so you don’t have to. Here, we’ll give you a list of the best yield farms you can consider when you want to earn some returns. Keep in mind, though, that while we believe these yield farms to be the best, the choice of the right one is ultimately up to you. And this choice depends on your goals, the features you want, and what type of farming you would like to do. Simply put, there’s no one-size-fits-all approach when it comes to yield farms. With that in mind, let’s look at the top 6 USDC yield farms. **Aave** Undoubtedly, Aave is the safest yield farm out there. It’s also one of the most popular. The protocol can be best described as a system of lending or liquidity pools where you can deposit your USDC. Your USDC then becomes part of these liquidity pools that AAVE can lend out to other users. In turn, you’ll receive interest on your deposit. Likewise, you can borrow using the Aave protocol, in which case you’ll pay interest. There’s over $16 billion in value locked in Aave across 7 networks and over 13 markets. You can expect to earn an APY of anything up to 7.45% when you use Aave for yield farming. **Quickswap** Quickswap is an automated market maker running on the Polygon Network. When you use it for yield farming, you’ll add your USDC to a liquidity pool in the form of a token pair. In return, you’ll receive liquidity pool tokens that represent your share in the liquidity pool. You’ll then be able to provide these liquidity tokens to third parties for use in yield farming. Here, you’ll then earn rewards of 0.3% which is shared by liquidity providers based on their share in the pool, and you’ll be able to earn an APY ranging from about 2% to 60%, depending on the token pair you use. Keep in mind, that these are just a guide and your APY might vary. For instance, APYs of about 600% have been reported on Quickswap. **Sushiswap** Like Quickswap, Sushiswap is also a decentralized exchanged and automated market maker. You can earn returns on your USDC by being a liquidity provider. To do this, you’ll connect your wallet to Sushiswap and lock a token pair into a smart contract. Buyers can then swap tokens within the liquidity pool in terms of the pool’s rules. As a contributor to the liquidity pool, you’ll earn protocol fees and a portion of the newly minted SUSHI every day. Once you’re happy with your return, you can reclaim your funds together with the return you’ve earned. Apart from this, users can also stake their SUSHI to earn even more rewards. You can expect to earn an APR of about 8.7%. **Hop** Hop is a scalable, general token bridge that allows users to send tokens from one sidechain to another almost instantly. Here, you’ll be able to earn returns on USDC by contributing to the liquidity pool and, in turn, earning rewards. To do this, your USDC will be swapped for hTokens (in this case, the hUSDC) and made part of the pool. This not only allows users of the protocol to seamlessly transfer tokens from one network to the next, but also lets you earn a part of the fees paid by users to use the protocol. You can expect to earn an APR of about 0.95% when you yield farm using Hop. **UNI V3** Uniswap is an open-source protocol for providing liquidity. As such, it serves as an automated market maker which uses a series of smart contracts that determine how liquidity pools are created, how users provide liquidity, and how swaps are made. It’s one of the largest decentralized exchange protocols, with a trading volume of more than $1 trillion and over 300 integrations. To provide liquidity, you’ll connect your USDC wallet to the Uniswap interface and provide a token pair to the pool. You’ll also set the price ranges in which you’ll provide liquidity and the amount you want to contribute. You’ll then earn rewards for your contribution. You can expect to earn an APY of about 19% on Uniswap. **Polycat** Polycat is an automated market maker and yield aggregator that focuses on providing value to its users. Launched in 2021, it was one of the first yield farms on Polygon, and despite being relatively young, the platform offers several features. As such, it offers various ways in which you can generate returns with your USDC. For one, you can vault your USDC where you’ll be able to earn an APY of up to 36%, depending on what token pair you use. You can also stake your USDC and, here, you can earn an APR of up to 87%, once again depending on the token pair you stake. ## Is Yield Farming Still Safe? Now that you’ve seen some of the best yield farms, you’re probably wondering if yield farming is safe. And this is a valid concern when you consider that markets have been on a downtrend as of late. To answer the question, it’s important to consider the general risks relating to yield farming. Here, like any investment, you can’t guarantee your returns and, in a turbulent market, as we have now, you could face an increased risk of loss. Also, as is always the case, the smart contracts that make yield farming possible could be hacked, and you could be scammed by less reputable platforms. That being said, you could argue that, as the markets decline, users will lend more, which, in turn, creates an opportunity. Also, as investors move away from unstable fiat currencies, demand for crypto could increase and create further opportunities. Ultimately, if you have the stomach to face the risks mentioned earlier, yield farming can still be extremely profitable. ## Isn’t It Time You Upped Your Yield Farming Game? Yield farming can be extremely lucrative, and you can earn far higher returns when yield farming compared to just saving your crypto. There you go, now you know what the best yield farms are if you want to use USDC. Hopefully, this post showed you what the best USDC yield farms are. Another bonus of many of the yield farms on our list is that they’re compatible with Spritz Finance. This means that, by using our app, you’ll be able to pay your bills directly from these protocols, which not only makes money management more convenient, but also ensures that you don’t lose out on any of the returns and rewards you earn. So, why not head over to our [website](/) and join the waitlist to join our private beta now. --- # Spritz private beta launches on Polygon to make crypto bill payments a breeze > We will utilize on-chain assets and DeFi earnings to connect real-world bill pay accounts to any crypto wallet on Polygon. _2022-06-14 · Spritz Team_ After months of development, we are thrilled to make our private beta for crypto bill payments available to all Polygon users, beginning in the US. We chose to launch our crypto bill pay platform on Polygon given the network’s speed, industry-leading security, and ability to scale transactions in a highly cost-efficient manner. Polygon’s thriving ecosystem creates incredible opportunities for our customers to earn more on-chain and generate passive income streams through DeFi, play-to-earn games, NFTs and their metaverse assets, all of which will soon be connected through Spritz to pay off monthly expenses, such as mortgage and rent, utilities, credit cards, student loans, or even a Netflix subscription. In an increasingly digital world where earning and managing assets on-chain has grown quickly, we are focused on creating a network of bridges from the TradFi world directly to customers’ crypto wallets, making it simple for them to schedule bill payments on-time each month - without needing to off ramp to a bank. ## How Polygon makes crypto bill pay possible for Spritz customers By launching on Polygon, we will be able to program payments from any Polygon smart contract directly to any US bill pay account, including banks, credit card companies, and utilities providers, both nationally and regionally. As part of the launch, and in addition to making crypto bill payments simple and secure, you can manage and grow your DeFi yields on popular Polygon apps, such as Aave, Sushiswap, and Quickswap, without needing to unwind positions. This can include growing your stablecoin yield farms and making payments in USDC, or even tapping into other assets held in your Polygon wallet, such as MATIC or LINK. Enabling customers to earn more through DeFi on Polygon (rather than holding fiat in a checking account earning less than 1%), and using these on-chain assets to pay off real-world expenses, is the next frontier for personal finance in the Web3 era. By launching on Polygon, we are able to not only process these payments faster and cheaper, but can easily connect real-world expenses to the on-chain earnings of customers, in every way possible. “The future of work is on-chain. People everywhere are increasingly viewing blockchain as a place to save, invest, and earn income--whether through yield farming, P2E games, or NFTs,” said Chris Sheehan, Spritz Founder and CEO. “The missing link for these folks is a way to use their on-chain earnings to fund their real life expenses. Spritz is the first web3 native billpay service, and we’re so proud to be launching on Polygon!” ## Program payments by connecting IRL bills to any crypto wallet As part of the beta launch, there are several options for Polygon users to easily pay their bills with crypto using Spritz. **Direct Wallet Pay** As part of the beta launch, there are several options for Polygon users to easily pay their bills with crypto using Spritz. Direct Wallet Pay is the fastest and easiest way to pay real-world bills using USDC from any crypto wallet. By integrating with popular wallets like Metamask for those holding, farming, or swapping USDC on Polygon, we can make near-instant payouts to thousands of US bill pay providers seamlessly, including banks, mortgage providers, and other TradFi institutions. To learn more about how Direct Wallet Pay works, check out our [product feature update](/blog/introducing-direct-wallet-pay-real-world-bills-in-usdc-from-crypto-wallet) from earlier this month. ## Sit back, relax, and take a load off: Why Spritz pays off Our crypto bill pay platform offers several important benefits for the Polygon community. **Connect real-world bills to your crypto wallet instantly** We make it easy to connect real-world expenses with crypto wallets. In a matter of minutes, you can create your account, link real-world bills, connect your wallet, and schedule your first payment - all with the flexibility of choosing which bills to pay when, and with which Polygon assets to make the payments with. By connecting these monthly expenses to crypto wallets and on-chain assets, Spritz unlocks real-world financial utility for Polygon users, without the middlemen. This means taking full control of your everyday finances – with less transactions, less fees and more crypto left to invest and earn from.   **Grow your DeFi yields in between payments** Through the Spritz Vault, users can access and manage a range of DeFi positions on Polygon, or start new ones on leading protocols, such as Aave or Quickswap. Any of which provide greater APY% rates and rewards than they ever could have earned through a traditional checking account. Best yet, income generated from these yield farms can be programmed through the app to pay mortgages, credit cards, student loans, and more, with just the right amount. You can use just enough income generated from active DeFi positions to pay the bills and put the rest to work and maximize earnings! **No fees for on-chain transactions** As an added perk, Spritz beta users will enjoy zero transaction fees for any bills paid through the platform for an extended period of time. Additionally, we will cover the Polygon gas fees (we know they’re never a lot, but hey they’re still covered) when initiating the bill payment transfer. ‍**All your bill pays, all in one place** Managing your personal finances and paying all those bills on time can be daunting and stressful. With our app, you can link all of your bills and expenses on one platform, auto-schedule payments with crypto, track everything (including your DeFi positions), and never have to worry about paying a bill on-time, or your digital assets not being put towards real-world use. ## Join the beta program and community Polygon users in the US can now participate in the private beta, which has been designed specifically for DeFi users, and for anyone holding crypto on the Polygon network. In order to request access, please join the waitlist from our [website](/). You’ll receive an email with instructions on how to request access to the private beta, where you can also indicate that you’re active on Polygon. Preference will be given to US residents first. Those qualified who enroll in our beta program will then receive a private beta invite with a link to the app. From there, beta users can instantly make bill payments through their Metamask (or any other crypto wallet on Polygon network) using USDC. Alternatively, you can fund your Spritz Vault in MATIC or other assets on Polygon, including yields generated from Aave, Sushiswap, and/or Quickswap. By requesting access to the beta program, qualified users in the US will be able to schedule a dedicated 1:1 demo and onboarding session led by a Spritz team member. Beta users are also encouraged to join the [Spritz Discord community](https://discord.gg/spritz) and get access to the private #beta-tesing channel to provide real-time feedback, share product requests, and be the first to know (and test out) exciting new product releases. We will also offer unique rewards to early users, including NFTs and POAPs, Spritz swag, airdrops, and other prizes to be announced soon. ## Coming up next Empowering Polygon users in the US to pay their bills with crypto and DeFi is just the beginning. In the coming months, we plan to integrate with even more popular DeFi protocols on Polygon, as well as the network’s fastest growing p2e games, metaverse projects, NFT lending apps, and more. Anywhere that you are spending time and earning on-chain, we aim to meet you there and build the bridges back to your real-world bills. We are also planning to expand beyond the US, welcoming more Polygon users globally to pay their bills through our app. **About Polygon** [**Polygon**](https://polygon.technology/) **is the leading platform for Ethereum scaling and infrastructure development**. Its growing suite of products offers developers easy access to all major scaling and infrastructure solutions: L2 solutions (ZK Rollups and Optimistic Rollups), sidechains, hybrid solutions, stand-alone and enterprise chains, data availability solutions, and more. Polygon’s scaling solutions have seen widespread adoption with 7000+ applications hosted, 1B+ total transactions processed, ~100M+ unique user addresses, and $5B+ in assets secured. **About Spritz Finance** [Spritz Finance](/) enables bill pay directly from crypto wallets and DeFi protocols, with no bank required, on a path to eventually connecting every smart contract and every traditional use of funds in the entire world – from mortgage payments and credit cards to monthly utility bills. Through the company’s first product, customers can schedule their bill payments from their crypto wallets and favorite DeFi protocols without ever needing to unwind their positions or off-ramp through a bank. The company is currently in closed beta with a waitlist, which can be joined from the Spritz [website](/). --- # Spritz Community Update - June 2022 > In this month's Community Update, we share our Direct Wallet Pay release making crypto payments in USDC seamless, recap last month's pre-seed funding, our… _2022-06-07 · Spritz Team_ Hello again and happy pride month to all of you Sprites! 🌈 We’re back with another community update to catch you up on what we’ve been working on and what to expect in June. ## 💸 Direct Wallet Pay We’re excited to announce our latest product release! You can now directly pay your bills in USDC (with more assets coming soon) from any crypto wallet. This latest product update truly allows for you to make DeFi the operating system of your financial life, by bridging your IRL bills and monthly payments with wallets and stablecoins. By integrating with popular wallets like Metamask for those holding, farming or swapping USDC on Polygon, Spritz can make near-instant payouts to thousands of US bill pay providers seamlessly, including banks, mortgage providers, and other TradFi institutions. The best part is that we can also integrate directly with several different crypto wallets, including Coinbase Wallet and TrustWallet. Spritz users invited to our private beta (starting in the US) can quickly sign-up, complete KYC, link bills, and connect their crypto wallet to make their first payment using USDC. ## 🌱 Pre-seed funding announcement If you missed our major announcement last month, we secured $2.5 million in early stage funding! The funds will be used to further our goal of connecting real-world bill payments to the blockchain, helping people around the world better manage their everyday finances through their crypto wallets and on-chain assets. We started Spritz to empower crypto and DeFi users to easily pay their bills with their choice of crypto, whether “hodling” bitcoin, staking ETH, participating in yield farms or even playing games on the blockchain. And now we’re one step closer to creating even more real-world financial utility from any digital asset. We’ve been able to secure early funding from some of the biggest names in the Web3 and crypto world: Sandeep Nailwal, Co-Founder of Polygon; Balaji Srinivasan, the former CTO of the giant crypto exchange Coinbase; and Aaron Harris, former Fintech Partner at Y Combinator. If you’d like to read more about our pre-seed funding round, you can read the full announcement by clicking below. ## 👐 Private beta - Open for US residents If you haven’t yet made it into the private beta, make sure to keep an eye on your email, as we’ve started inviting members living in the US from the waitlist to join. And if you’d like to start paying your bills with crypto today, sign up for a 1:1 demo session [here](https://share.hsforms.com/1HJewUo8GQaGu2MNbCN6Djwcr1gy). If you’re ready to bridge the gap between your DeFi holdings and your TradFi expenses, we want to make sure to get you onboarded right away! Already in the beta? Head over to our [Discord](https://discord.gg/spritz) and request our Beta Sprites role to get access to our locked Beta channels where you can get updates on latest product improvements, chat with other beta members, and provide feedback directly to us on the app. ## 🪙 Consensus Austin Headed to Austin for [Consensus](https://www.coindesk.com/consensus2022/) this week? We’re looking forward to catching up with the web3 community and learning from a great lineup of speakers. Our Head of Marketing & Growth, David Gardner, will be attending as well. Want to connect about our crypto bill pay platform while you’re there? You can reach David on Telegram, [@DavidLayne](https://t.me/DavidLayne). ## 🎧 Spritz Spaces: Bill pay on the blockchain - Investing in the future of Web3 finance ICYMI: We held our first Twitter Space a couple days after announcing our pre-seed funding. If you want to check out the recording, we’re including the link below. Hosted by Spritz Founder/CEO, Chris Sheehan, we were joined by a few Spritz team members, investors and advisors to discuss the Web3 landscape and future of personal finance. We also gave a sneak peek towards our product roadmap and discussed everything from DeFi bill pay and stablecoins, to the pros and cons of crypto credit cards, stablecoins, and more. Summer is fast approaching which means spending even more time at the beach while those bills are taken care of! And while it's been a wild few months in crypto, it's given our team plenty of time to build and learn from our beta group on exactly the DeFi bill pay features you all want. Stay tuned for more exciting announcements from the Spritz team by following us on Twitter and joining our Discord community - we'll have lots more to share soon! --- # Introducing Direct Wallet Pay: The easiest way to pay real-world bills in USDC from any crypto wallet > Spritz is thrilled to release Direct Wallet Pay, making it even easier to pay real-world bills in USDC from any crypto wallet. Learn more about our latest… _2022-06-06 · Spritz Team_ You know that feeling when you sit down at your favorite bar and the bartender starts pouring your favorite drink without you needing to say a word? By listening to patrons over repeated visits coupled with an innate sense of knowing just what they need as soon as they need it, a great bar keep doesn’t have to ask - they just pour and deliver.  In similar fashion, Spritz is able to serve our bill pay patrons with the crypto payment features they deserve and expect. This means integrating with the Web3 and DeFi tools you already use daily, and making our bill pay experience blazingly fast, user-friendly and cost-effective. Today, we announce Direct Wallet Pay for our early access users, making it even easier to instantly pay real-world bills in USDC directly from their favorite crypto wallets. ## A new era in web3 bill pay is here According to Decrypt, there are now more than [30 million active users](https://decrypt.co/95039/metamask-consensys-30-million-users) of crypto wallet Metamask, which realized nearly 50% growth over the first half of 2022. That’s a lot of new people beginning to participate in NFTs, DAOs and innovative DeFi protocols. With the explosive growth of crypto self-custodial wallets like Metamask, which are now supporting more layer-2 networks, such as Polygon, Spritz is able to process IRL bill payments even faster and more cost-effectively made with the world's most popular digital assets, including stablecoins supported on the Polygon network. One such stablecoin is Circle’s USDC, a top 5 digital asset by market cap. With over 50 billion USDC in circulation (as of May 30, 2022), USDC has become a [backbone of crypto capital](https://www.circle.com/en/usdc) markets, where “_blockchain-based ‘smart contracts’ eliminate the need for traditional intermediaries and automatically match buyers, sellers, borrowers and lenders, opening financial access to more people_”.  Our latest product release helps us bridge TradFi to DeFi in the most straightforward way possible, by leveraging the world’s top crypto wallets and stablecoins together. This brings us one step closer to our vision of connecting every smart contract and crypto wallet to real-world utility, and bringing web3 personal finance to more people with less complexity.  By integrating with popular wallets like Metamask for those holding, farming or swapping USDC on Polygon, Spritz can make near-instant payouts to thousands of US bill pay providers seamlessly, including banks, mortgage providers, and other TradFi institutions.  The best part is that we can also integrate directly with several different crypto wallets, including Coinbase Wallet and TrustWallet. For the purpose of the demonstration below, we’ll use Metamask as our chosen connected wallet. ## How Direct Wallet Pay Works With Direct Wallet Pay, Spritz users invited to our private beta (starting in the US) can quickly sign-up, complete KYC, connect their crypto wallet, and link bills to make their first payment using USDC.  The entire process takes less time than sipping a pint on a patio, unless of course you’re racing to finish that last beer before Happy Hour ends. 🍺 **Step 1 - Connect your wallet** We’ll keep this step short and sweet. ‍**Step 2 - Link your bills** After signing up to the Spritz app and completing the KYC, you’re ready to link some bills. Simply click on “Bills” from the left menu, or “Link your first bill” from our Getting Started module.  You can then securely log into and link the credit card, mortgage, and other bill pay accounts you'd like to pay with crypto. For more on connecting to your bill pay accounts, check out our [Help Center article](https://help.spritz.finance/en/articles/6158398-how-does-spritz-connect-to-my-bill-pay-accounts). ‍**Step 3 - Select a bill to pay** Let’s return to the Bills screen from the left side menu. Here you’ll see all the bills you have linked through Spritz with additional details, such as any owing amount due, your last statement balance and due date for the next payment. **Step 4 - Click on "Pay from Wallet"** You’ll see two options to pay your bills. One of which includes Direct Wallet Pay, which will take you to - you guessed it - our direct wallet pay screen to set up your bill payment using USDC instantly.  With Direct Wallet Pay, as long as your connected wallet holds USDC on Polygon, you’ll be able to easily pay your bills in a matter of seconds. **Step 5 - Schedule your payment** Choose the amount in USDC to put towards the payment, click "Confirm Payment," and voila, your bill pay will automatically be scheduled. ## Benefits of Direct Wallet Pay Direct Wallet Pay using Spritz has several advantages. Here are a few to share with your friends over those patio pints: **Keep full control** Pay bills your way with your wallet, your keys, and your crypto. Keep full control of your funds and linked bills. Easily connect to the crypto wallet you use daily for all your web3 needs.  We protect your data and execute the payment on your behalf without your TradFi accounts accessing your crypto wallet.   ‍**Save time and money** Program your payments in less time. With Direct Wallet Pay, there’s no need to transfer your USDC to a new Spritz wallet address. This means less steps and fewer transactions! Even better, our early users will incur zero fees for any bill payments made through Spritz. We will continue to cover any gas fees from Polygon as we initiate the bill pay, while our customers enjoy zero transaction fees. ‍**Pay in USDC** USDC is not only one of today’s most popular stablecoins, but one of today’s top digital assets for a reason. By using Direct Wallet Pay, our customers are able to leverage their extensive USDC holdings to their fullest potential, and pay bills with a trusted stablecoin, rather than converting to fiat and offramping to a bank. With many opportunities to yield farm using USDC, especially through Polygon DeFi apps, and earn interest in USDC, there’s countless ways to grow your stablecoin yields and pay bills simultaneously.  ‍**Keep it simple** Above all, we value simplicity here at Spritz (except of course when mixing fancy cocktails).  Like a walk through your neighborhood park, paying bills with crypto shouldn’t feel daunting or confusing.  With Direct Wallet Pay, we’ve made it as simple as possible - many would even say enjoyable - to connect real-world bills to any crypto wallet and program payments with on-chain assets  anywhere, anytime. ## Using Metamask on Polygon and Adding USDC For those using Metamask who have not yet bridged assets to Polygon, our team has uncovered several useful resources to guide you through the process.  ‍[Getting started with Metamask on Polygon](https://blog.polygon.technology/getting-started-with-metamask-on-polygon/) (Polygon blog) ‍[Setting up Metamask for Polygon](https://medium.com/stakingbits/setting-up-metamask-for-polygon-matic-network-838058f6d844) (Stakingbits on Medium) ‍[Connect Metamask to Polygon](https://coinmarketcap.com/alexandria/article/connect-metamask-to-polygon-network) (CoinMarketCap) We also came across these helpful guides for adding [USDC to your Metamask wallet](https://thefipharmacist.com/add-usdc-to-metamask/), as well as for getting [USDC on Polygon](https://docs.bscstation.finance/get-started/launchpad/ido-projects-on-polygon/how-to-get-usdc-on-polygon). ## Other ways to pay bills on Spritz In a previous blog, we covered how to fund your Spritz account to make payments with a wide range of digital assets held on Polygon. This includes making deposits to your Spritz Vault by transferring any asset on Polygon directly through your connected crypto wallet on Spritz, or by sending crypto from an external wallet, including those on an exchange, to your Spritz Vault address.  The great thing is that these alternative sources of funding are still intact. In fact, the Spritz Vault remains a viable option for paying your bills with other assets aside from USDC. It also supports bill pay funding from other DeFi protocols on Polygon, including deposits made through Aave, SushiSwap, and Quickswap. Here’s everything you need to know about [funding your Spritz account](/blog) to make payments in non-USDC funds through the wallet of your choosing. ## What’s next We’ve come a long way in just a few short months, with Direct Wallet Pay being a major milestone achieved by our team for our growing community.  As we begin to expand our customer base and welcome more early users paying their mortgages, credit cards, student loans and more with USDC, here are a few more exciting initiatives we’re working on to further build off of our Direct Wallet Pay launch. - Support for more stablecoins and digital assets.  - Support for more networks, such as Solana, Ethereum, and Avalanche, which also means more integrated wallets like Phantom.  - More bill type integrations, from rent payment platforms to regional utility providers.   For now, Spritz’s Private Beta is open to US residents. Here’s the link to our [private beta request form](https://share.hsforms.com/1HJewUo8GQaGu2MNbCN6Djwcr1gy). Priority will be given to DeFi users on Polygon holding USDC in their wallets. ## We want your feedback Enjoying Spritz and paying those IRL bills with your crypto? Then share your experience with the Spritz community and send us some feedback. We’d love to learn what’s on your Spritz wishlist and more ways we can improve our platform.  Our [Discord community](https://discord.com/invite/spritz) is open with several channels to share product feedback. For any early users not already in our private #beta-testing channel, please join our Discord and DM our Head of Community, @Hadley, to request access.  ‍*Direct Wallet Pay makes it easy to pay IRL bills with USDC through Spritz simply by connecting your bill pay accounts to your crypto wallet. Direct Wallet Pay is distinct from the Spritz Vault, which is a multi-sig wallet on the Polygon network used for paying bills with other digital assets and DeFi protocols. Bridging assets to the Polygon network and/or transferring funds to the Spritz Vault from an external wallet may incur gas fees. If already holding USDC in a crypto wallet, we recommend paying your bills on Spritz through Direct Wallet Pay for the easiest and fastest experience possible.* --- # Announcing our $2.5M pre-seed funding to connect real-world bill pay with crypto & DeFi > We are thrilled to announce that Spritz has secured $2.5 million in early stage funding! _2022-05-24 · Spritz Team_ We are thrilled to announce that Spritz has secured $2.5 million in early stage funding!  The funds will be used to further our goal of connecting real-world bill payments to the blockchain, helping people around the world better manage their everyday finances through their crypto wallets and on-chain assets. We started Spritz to empower crypto and DeFi users to easily pay their bills with their choice of crypto, whether “hodling” bitcoin, staking ETH, participating in yield farms or even playing games on the blockchain.  And now we’re one step closer to creating even more real-world financial utility from any digital asset.  With our pre-seed funding, we will be able to ramp up product development, increase our marketing capacity, and hire more staff globally – all leading to bigger goals of improving our platform and growing our global community of crypto and DeFi users looking for smarter ways to invest their hard-earned dollars, generate more passive income streams, and take care of their real-world expenses seamlessly. ## **What is Spritz Finance?** If you’re new to Spritz or just finding us through this announcement, let us first tell you a bit about who we are and the problems we’re trying to solve! ### **The Problem** Many of the tens of millions of crypto  users today — with over [$100 billion in value locked](https://www.stelareum.io/en/defi-tvl.html#:~:text=The%20Total%20Value%20Locked%20(TVL,developed%20in%20the%20DeFi%20space.) in DeFi, and billions more in NFTs and play-to-earn assets — are already living their financial lives on the blockchain: investing their paychecks through regular token and NFT buys, searching for yield, paying friends, and borrowing when they need to. But much of these users' financial lives — paying rent or mortgages, paying their credit card and utility bills, buying things like groceries or Netflix subscriptions — remains stubbornly in the traditional banking system. Checking accounts earn an [average of 0.03% yield](https://www.valuepenguin.com/banking/average-bank-interest-rates#:~:text=The%20average%20bank%20interest%20rate,account%20interest%20rate%20is%200.09%25.) and require 3 days or more to make transfers, so why should these be at the center of our financial lives?. If you’ve tried to pay a bill with funds from crypto, then you know it involves closing out your crypto position, incurring fees, and then waiting to offramp your funds to a traditional bank.  Many of us dream of the day that we can drop our bank entirely and make decentralized finance the **operating system of our financial lives**, in which our financial activities are programmable, fast, and accessible to everyone. ### **Our Solution** At Spritz, we’re building a network of bridges between blockchain assets and real-world financial use cases. This will eventually be a decentralized protocol that anyone can integrate with. Our team has built several “bridges” that are already launched for users in the US. Through our beautiful and fun mobile app (currently in private beta), users can link deposits on Polygon to pay credit cards like Chase Sapphire, mortgages like Wells Fargo, and even student loan payments. Our vision is a world in which folks can instantly and securely pay for all of their everyday needs with crypto and any on-chain asset, replacing the need for a bank account at all! The Spritz app is currently in closed beta testing, but you can [join the waitlist today](/)!! We are inviting our most dedicated users to help us test new features before our public launch coming soon. ## **Meet our Investors** We’ve been able to partner with some of the biggest names in the Web3 and crypto world: Sandeep Nailwal, Co-Founder of Polygon; Balaji Srinivasan, the former CTO of the giant crypto exchange Coinbase; and Aaron Harris, former Fintech Partner at Y Combinator. Other notable investors include Diogo Mónica, Founder & CEO of Anchorage Digital; Shiliang Tang, CIO of Ledger Prime (now part of the FTX US family); and Sam Hodges, Founder of Lending Circle and Vouch. Shiliang Tang and Chris Sheehan have a longstanding history of building financial solutions. Together, they founded the New York-based company WorldClover, which offered weather index insurance in Africa, and was funded by Y Combinator, Index Ventures, and others. ## **What’s Next?** With the $2.5 million in funding secured, we plan to use the money to help further our goals of building bridges between the real-world and the world of digital assets.  Ultimately, we envision a multichain future where current and new layer 1 and layer 2 blockchains – yes, including Bitcoin! – are used by everyday folks around the world to pay their bills. We plan to build developer tools to empower engineers outside the US to connect TradFi services, like utility payments or mobile money, to the wide world of crypto, simply by integrating with Spritz. We also plan to support other popular networks such as Solana and Avalanche down the road.  For now, Spritz is looking to partner with other DeFi companies and communities that align with our vision and goal of providing a better experience for our users, as well as growing [our own community](https://discord.gg/spritz) as a whole.  We’re eternally grateful to our investors for joining us on the journey to build a much needed solution for one of the biggest pain points in Web3. We’re proud of the progress we’ve made, but at the end of the day, there’s always room to build more and that’s a challenge that excites us too!  We hope you’ll join us on our journey as well. Cheers, Team Spritz ### Join our Waitlist: [https://spritz.finance](/) ### [‍](/)Join our Discord: [https://discord.gg/spritz](https://discord.gg/spritz) ### [‍](https://discord.gg/spritz)Follow us on Twitter: [https://twitter.com/spritzfinance](https://twitter.com/spritzfinance) --- # 🍹 Spritz Community Update - May 2022 > This week, we’ve got some exciting updates for you about what’s been going on at Spritz and where you might find us next. We’ve kept busy onboarding a new… _2022-05-16 · Spritz Team_ Hey Sprites, while it’s been a tough week in crypto land, rest assured that we see you, acknowledge you, and just know that we’re all in this together. When not (reluctantly) peaking at market prices, we’ve been heads down (with a few end-of-day drinks up) building what will surely become the future of finance - connecting real world expenses with our digital assets and on-chain earnings.   This week, we’ve got some exciting updates for you about what’s been going on at Spritz and where you might find us next. We’ve kept busy onboarding a new batch of private beta users, collecting feedback to further refine things, and releasing some tasty new features in between calls.  So let’s get right into them! ## **🗓️ Bill Pay Scheduling** We’ve heard your feedback on wanting more control in scheduling your own crypto payments within the app and we’ve been working hard on making the bill pay process easier. We’re thrilled to say that has now changed and has become much smoother!  Ready to schedule your next crypto bill payment on your own? Just head to the bills tab in the app and you’ll find bills you’ve already connected and be able to schedule payments on your own. ## **💰 Make Deposits Directly From the Spritz Vault** While we’re talking about making processes smoother, let’s talk about funding your Spritz account. Gone are the days (so April 2022) of having to manually send crypto from an external wallet or exchange to your Spritz Vault address.  Now you’ll be able to quickly add funds to your Spritz account (on the Polygon network 💜) right from our app! Simply head to the Vault tab in the app, connect your wallet, and fund your account! It’s that simple. Then you’ll be able to use these funds from your Vault to pay your bills. ## **🤫 Private Beta Invites** In case you’ve missed the news, we’ve started inviting members from the waitlist to our closed beta. So if you haven’t kept a close eye on your email, make sure you haven’t missed anything from us! If you’ve been looking for a better way to pay your bills with crypto, now’s the time to check us out.  And if you haven’t received your invite yet or can’t seem to find it, sign up for an onboarding session [here](https://share.hsforms.com/1HJewUo8GQaGu2MNbCN6Djwcr1gy). If you want to use our app, we want to get you onboarded right away, so schedule those sessions today! Still haven’t been convinced? Here’s some perks of joining the Spritz private beta: - 1:1 dedicated onboarding session with a member of the Spritz team. - No gas fees on bill pay transactions! - The ability to provide valuable feedback on the app, how you use it, and what you want to see in the future. - Spritz swag, NFTs, and other giveaways still to be announced. - Invite to our Discord community and #Beta-Testers channel ## **🤖 Discord Makeover** Speaking of our Discord, it just got a fresh new coat of paint. If you haven’t stopped by in a while, or at all, what are you waiting for? Come get to know the Spritz team and have a drink with us by joining [here](https://discord.gg/Spritz). If you’re looking for a great place to discuss all things DeFi, be the first to hear about Spritz updates, and just an all-around good group of folks to have a drink with, then our Discord is the place for you. ## **🌴 Permissionless** Heading to Palm Beach for Permissionless this week? Make sure to follow [Spritz Finance](https://twitter.com/spritzfinance) on Twitter, as well as our CEO Chris Sheehan. Chris will be at Permissionless and is looking forward to connecting with some Sprites! Wanna meet up with Chris to discuss Spritz?  Hit him up on Telegram [@csheehan](https://t.me/csheehan). --- # What you need to know about crypto credit cards in 2022 > The rise of the crypto credit and debit card is here and there’s no turning back. According to Visa, crypto-linked card usage hit $2.5 billion in Q1 of 2022.… _2022-04-20 · Spritz Team_ The rise of the crypto credit and debit cards are here and there’s no turning back. According to Visa, crypto-linked card usage hit [$2.5 billion](https://www.cnbc.com/2022/01/28/visa-says-crypto-linked-card-usage-hit-2point5-billion-in-its-first-quarter.html) in Q1 of 2022. This raises lots of questions—the main ones being, should you get in on the crypto credit card craze and are they worth it?  If you are an avid crypto enthusiast, you may be wondering if you can continue to reduce your reliance on traditional finance and go even more bankless than ever before with a crypto credit card. Let’s discuss some background on how crypto credit and debit cards work, so you can decide if you should open one up: ## What are Crypto Credit Cards? Crypto credit cards are rewards credit cards that give you rewards in cryptocurrency instead of traditional credit card points that can be redeemed for things like travel or cashback in fiat. These cards work more like cashback reward cards, but instead of earning a percentage of your purchase back in fiat, you can earn the equivalent amount in crypto, such as Bitcoin and Ether.  In the early days of cryptocurrency, crypto users who wanted to use their digital assets to pay for goods and services would have to convert their crypto manually to fiat through third-party platforms and exchanges. This cumbersome process relies on exchanges and ACH transfers that take multiple business days and are a hassle for crypto users. Additionally, these transfers can be prohibitively expensive as more transactions means more fees. Crypto credit and debit cards are the crypto world’s first attempt to solve this problem.  One of the earliest attempts at this was the Coinbase Shift card, which worked by deducting the value of the purchase from the user’s Bitcoin balance. The card was launched in the fourth quarter of 2015 and deducted the funds directly from the Coinbase user’s account based on the spot price of the cryptocurrency in real-time. The card had a few issues and, unfortunately, ceased operations in [April 2019](https://news.bitcoin.com/shift-card-sunsets-leaving-us-crypto-card-users-with-few-options/). ### Differences Between Crypto Credit and Debit Cards users mustThe crypto world often uses the term crypto credit card interchangeably for both crypto credit and debit cards. However, there is a stark difference between the two types of cards When you use a crypto debit card, the funds are drawn from your wallet or account. Many crypto debit cards are prepaid, which requires users to load money onto the card before being able to use it, similar to how you would load a Visa gift card or other pre-paid credit card.   With crypto credit cards, you are taking out a loan with the card issuer that you pay back either at the end of the month or over time. Crypto charge cards charge no interest on purchases, but users must pay the statement balance in full at the end of the month. Actual transactions are handled in fiat currency—including how you can pay your bill, but the perk is that you can earn rewards in cryptocurrency.  Since crypto credit cards can’t be paid off with crypto, Spritz is the best way to pay credit cards with crypto, as well as other bills like your utilities, mortgage, or car payment. ### Benefits of Crypto Credit Cards Most credit cards provide users with some benefits. Crypto credit cards are no exception. Here are some of the most common benefits you’ll find with crypto credit cards: - **Cash Back**: One of the most apparent benefits of crypto credit cards is that they offer you cash back. Well, technically, they offer you crypto back, but you receive funds back either way for simply making purchases. Moreover, depending on your credit score and what type of card you use, you may receive a higher percentage of your cash back.  - **Build Your Financial Portfolio**: One of the top benefits of using crypto credit cards is that they allow you a quick, easy way to build your financial portfolio. Rather than investing in crypto directly, those who frequently use crypto credit cards can buy crypto with reward points.  - **Fewer Fees**: Given the nature in which crypto is purchased, using crypto credit cards can allow you to purchase crypto without paying all of the fees associated with crypto trading; you may be able to skirt fees that are accessed when initiating the trade.  **Reducing Financial Risk**: Lastly, many people are interested in investing in crypto, but many are reluctant due to the fact that it’s such a new and unpredictable asset. However, using a crypto credit card can allow you to try out crypt trading without actually putting your own money at risk. ### Limitations and Considerations Most credit cards also come with their share of drawbacks. Although there are a variety of benefits to using crypto credit cards, there are also some limitations to consider. Here are some of the most prominent: - **Tax Liability**: One of the top limitations associated with crypto credit cards is tax liability. This is because the liability may not be clear to investors upfront. Either way, while you do not have to pay taxes on your earned crypt rewards themselves, you will likely have to pay taxes when you cash them in. If you are not aware, this may come as an unwelcome surprise when you cash in your crypto. Talk with a crypto tax specialist before you commit to anything to be sure that you know what responsibilities you’re taking on.  - **Value Loss**: Another major limitation to consider is that of value loss. As with all investments, it is always possible to lose your entire investment without warning. Although it technically won’t affect your financial status, this can be a significant loss and disappointment for any investor. - **Variability**: Additionally, not all crypto credit cards are created equal. Therefore, your chosen card may have higher or lower interest rates than others and may provide more or less cash back.  - **Availability**: Since cryptocurrencies are fairly new to the financial world, certain cards may or may not be available in your area. This can be frustrating if you have your sights set on a certain credit card and later find out it’s unavailable.  - **Limited Benefits**: Although crypto can be a great reward, it’s often more of a long-term investment than an immediate benefit. So, if you enjoy rewards cards that allow you to gain frequent flier miles or if you like to trade in your points for gift cards and merchandise, you may be disappointed with the benefits offered by crypto credit cards. **‍** - **Limited Crypto**: Lastly, crypto credit cards won’t necessarily allow you to invest in any cryptocurrency. Instead, they are far more likely to enable you to invest in only a select few coins or tokens. For instance, some of the most common crypto being used for credit card rewards are Gemini Dollar (GUSD), Litecoin (LTC), Dogecoin (DOGE), Bitcoin (BTC), and Ethereum (ETH). If you frequent other blockchain networks or want to diversify your crypto holdings, crypto rewards cards might not be the best choice. ## **Examples of Crypto Credit/Debit Cards**‍ The number of crypto credit and debit cards on the market is expanding month after month. Here are a few of the most common crypto credit and debit cards that crypto users have embraced: **Crypto Debit Cards** - Crypto.com: up to 8% back in crypto, depending on the amount of CRO tokens staked - Coinbase: up to 4% in crypto rewards, including 1% back in Bitcoin and 4% back in XLM - Binance: up to 8% BNB Rewards, depending on your BNB Monthly Average Balance - OnJuno: 1.20% Bonus Rate, $100 Bonus, 10% Cashback on 5 selected merchants with USDC - Ledger: open a line of credit to get cash to spend on the card, using cryptocurrency as collateral, with rates starting at 0% ‍**Crypto Credit Cards** - Gemini: 3% back in crypto on dining purchases (on up to $6,000 in annual spend, then 1%), 2% on groceries, and 1% on all other purchases - BlockFi: 1.5% cashback, 3.5% cashback in the first 90 days - Now that you have a better grasp on the crypto card world, let’s get into some of the finer details on the pros and cons of crypto cards. Choosing to open a crypto credit or debit card is a financial decision that can affect your ability to build wealth and embrace Decentralized Finance (DeFi). The point of DeFi is to move away from traditional financial institutions. Some crypto cards ensure that you continue to operate in the traditional financial system. Here are a few factors you should consider when deciding to open a crypto credit or debit card. --- # Welcome to Spritz! > Grab your favorite beverage (ours is an aperitif with bittersweet Aperol, and bubbly sparkling wine — duh!). Now, sit back, relax, and enjoy the view, because… _2022-02-22 · Spritz Team_ Grab your favorite beverage (ours is an aperitif with bittersweet Aperol, and bubbly sparkling wine — duh!). Now, sit back, relax, and enjoy the view, because Spritz Finance is here to help you take back total control of your personal finances. Like you, we’ve been enjoying our experience in DeFi — earning great yields on our hard-earned money, getting a bit of upside from tokens and currencies we like, and being able to move our assets around whenever and wherever we want, even on a Friday night with _The Witcher_ on Netflix playing the background (toss a coin...). But less enjoyably, we still need to log into our checking account once or twice a month and make sure we’ve got enough cash so that our Chase Sapphire credit card, our car loan, and our mortgage is paid for! If there’s extra cash, it’s a great opportunity to move it to DeFi, but there are always extra funds sitting around doing nothing... like these guys: _Photo: Courtesy of Shutterstock_ But this should be YOU, not your MONEY. This is why we created Spritz Finance. With just a few clicks, you give us access to the DeFi protocols that you’re already using — Aave, Sushi, Uniswap — and tell us which bills you want us to service **directly from these DeFi protocols.** We’ll take care of the rest. We make sure you’re getting great yields up until the last second before the bill needs to be paid. We seamless withdraw exactly the right funds and issue a payment to your biller, providing you with complete transparency with how we’re unstaking / withdrawing your assets on the blockchain, and providing complete safety and security that your bills are paid on time. That’s it. No need for you to worry about unwinding your DeFi loans, unstaking your LP tokens, moving tokens to an exchange and liquidating, and then finally moving back to your bank—just so Citicards can grab that cash once per month. Spritz does all of this for you while you’re busy figuring out which NFT to buy or token to ape into. With Spritz, you can sit back and relax, because you know your money is working for you. Time for you to hit the beach! Cheers!