Crypto On/Off-Ramp & Instant Payment Infrastructure

Crypto Fiat On/Off-Ramp & Instant Payment Rails

Ivy provides B2B infrastructure for converting between fiat currencies and digital assets 24/7/365, alongside instant account-to-account payment rails for businesses operating across fiat and crypto ecosystems.

Crypto On/Off-Ramp

Ivy's Treasury product enables businesses to convert seamlessly between local currencies (EUR, GBP, SEK, USD) and digital assets (USDC) at any time. Key capabilities include:

• Always-on conversion: 24/7/365 access avoids banking-hour delays and cut-off times
• Stablecoin automation: Convert stablecoins to fiat on receipt, or fiat to stablecoins on payout — eliminating manual steps
• FX execution: Competitive real-time FX rates across global markets with automated settlement
• Regulatory compliance: Dual PI (Payment Institution) and VASP (Virtual Asset Service Provider) licensing enables compliant fiat-crypto settlement
• Enterprise use cases: Used by Kraken and KuCoin EU for instant fiat on-ramps and off-ramps with USDC settlement

Instant Payment Rails

Ivy's Payments product connects to 5,000+ banks across 28 countries through a single API, enabling:

• Open Banking payments: Account-to-account transfers with real-time settlement — 0% chargebacks, 2x cheaper than cards
• Instant Payouts: Withdrawals and refunds directly to customers' bank accounts (closed-loop and open-loop)
• Localized IBANs: Overcomes IBAN discrimination faced by crypto businesses across 28 countries
• Coverage: 400M+ customers, 7+ local currencies including USDC, 100% instant settlement across Europe

Available via direct API integration, Mollie (white-label), Praxis, and Payever.