Fiat Banking Rails & On/Off-Ramp Integration

Gnosis Pay provides fiat banking rails as a product layer that enables partners to offer their users local payment accounts and seamless stablecoin-to-fiat conversion across multiple regions through a single API integration.

Product Overview

The on/off-ramp platform supports a growing set of local payment rails, allowing partners to embed native deposit and withdrawal capabilities directly within their applications. Transactions occur at 1:1 stablecoin-to-fiat rates powered by DeFi-backed currency conversion, with no intermediary custody of user funds.

Supported Fiat Rails and Regions

• EUR IBANs with SEPA Instant (European Economic Area)
• BRL accounts with Pix (Brazil)
• GBPe support (United Kingdom)
• US account numbers (United States)
• Additional regions in active expansion including Argentina, Mexico, Colombia, Philippines, Thailand, Japan, and Singapore

Key Features

• Unified KYC flow covering all local on/off-ramp requirements — partners implement one identity verification process regardless of the number of local payment methods offered
• KYC sharing flows for partners with existing infrastructure, eliminating duplicate onboarding
• Transfer automation supporting recurring bank deposits and salary flows
• Integration via RESTful API with permissionless developer access — no contracts or approvals required to begin building

Use Cases

This product is designed for neobanks expanding into new markets without local banking partners, and for crypto wallets seeking to add fiat deposit and withdrawal capabilities with native local payment methods embedded directly in their application.