The payment reality of crypto and digital assets
Fiat rails are the least stable part of a crypto business, not the most. Acquirers withdraw or restrict access with little warning, and a business that clears fiat pay-ins today can find that route gone in a quarter — often for reasons unrelated to how the business itself is run, tied instead to a bank's own shifting risk appetite. Rebuilding that rail each time it disappears costs momentum a crypto platform can't easily recover.
Moving cleanly between fiat and tokens, in both directions, is a second problem: on-ramp needs a card or bank payment to convert reliably into tokens, off-ramp needs the reverse, and both sides sit under compliance scrutiny that only increases as volume grows. A platform needs the fiat rail and the compliance layer to hold together as one system, not to be assembled and re-assembled separately every time a piece breaks.
Losing a banking relationship is the risk every crypto business already plans for. We're built so it doesn't take your on-ramp down with it.
How CyberPay helps
Four capabilities, built around the two things a crypto platform actually needs held together: a fiat rail that doesn't disappear, and compliance that runs continuously rather than once at onboarding. Each addresses a specific failure mode crypto businesses run into with generic payment infrastructure not built for the fiat-to-token boundary.
Card and bank pay-ins for on-ramp
Fiat collected by card or bank transfer and routed for authorization, so on-ramp isn't the weakest link in the flow between a customer's bank and their wallet.
Stablecoin settlement
Settlement in USDT or USDC where that suits the business better than fiat settlement, without a separate integration for the crypto side of the ledger.
On-chain payouts
Payouts sent on-chain to a user's or counterparty's wallet, on the same platform used to collect, rather than through a disconnected payout process.
KYC and transaction screening throughout
Identity verification and transaction screening run continuously, not only at onboarding, across both the fiat and the on-chain side of every transaction.
Methods and markets
Crypto businesses typically need fiat acceptance on the way in and a clean settlement path on the way out:
- Cards and bank transfer — for fiat on-ramp, routed to the acquirer best placed to authorize.
- Stablecoin settlement (USDT, USDC) — as an alternative or complement to fiat settlement.
- On-chain payouts — sent directly to a wallet, reconciled alongside fiat activity.
- KYC and screening — runs continuously, well past the day you onboard.
CyberPay covers 73 markets across 6 regions — see the full coverage map.
On-ramp, off-ramp and stablecoin settlement reconcile together, rather than across separate ledgers that leave a gap between what came in and what went out on-chain.
Integration
An exchange or wallet app can accept fiat on-ramp through the Hosted Cashier, or call the Direct API to keep on-ramp inside its own interface. Pay-ins and payouts run on the same integration, with Query-Transactions and Refunds for reconciliation. Build against the sandbox before moving to live.
Use cases
Three ways crypto platforms use CyberPay to keep fiat on-ramp reliable and settlement reconciled on one report instead of stitching fiat and on-chain records together by hand. Each reflects a different point in the fiat-to-token flow, but all settle through the same underlying platform.
An exchange on-ramp
An exchange accepts card and bank pay-ins so users can convert fiat into tokens, with each pay-in routed for authorization and screened before it settles, reducing the share of on-ramp attempts that fail for reasons outside the user's control.
A wallet app off-ramping to local currency
A wallet app lets users convert tokens back to local currency, paid out through the bank rails and methods each market supports, reconciled against the on-chain side of the transaction so support isn't guessing where a payout stands.
A business settling in stablecoin
A platform that prefers to hold and settle in USDT or USDC collects fiat pay-ins from customers as usual, then settles internally in stablecoin rather than fiat, on the same reconciliation as everything else.
Frequently asked questions
How does on-ramp and off-ramp work?
On-ramp accepts card and bank pay-ins routed for authorization; off-ramp pays fiat out through local bank rails and methods. Both reconcile against the on-chain side of the transaction.
What settlement currencies do you support?
Fiat settlement across served markets, or stablecoin settlement in USDT or USDC where that suits the business better. Talk to us about which settlement currency fits your treasury and reporting needs.
How is compliance handled?
KYC and transaction screening run continuously across both the fiat and on-chain side, not only at onboarding.
Which chains and stablecoins do you support?
USDT and USDC on-chain payouts, alongside standard fiat rails — talk to us about the specific chains your platform needs. Chain support is scoped to your platform during onboarding rather than offered as a fixed list.
Which markets do you cover for fiat acceptance?
73 markets across six regions — see the full coverage map.
Ready to move between fiat and tokens?
One integration for fiat on-ramp, stablecoin settlement and on-chain payouts, with screening built in throughout.