Fiat24 Crypto On/Off-Ramp Infrastructure

Fiat24 delivers API-driven fiat on/off-ramp infrastructure that connects crypto wallets, DApps, and Web3 businesses to traditional payment networks. Operating as a FINMA-regulated Swiss fintech (licensed under Swiss Banking Act Article 1b), Fiat24 enables seamless conversion between cryptocurrency and fiat currencies across SEPA, SIC/euroSIC, and SWIFT payment rails.

On-Ramp Capabilities

Crypto top-up functionality allows businesses and users to fund their multi-currency accounts directly from crypto holdings. Third-party wallet providers integrating via the Fiat24 API can offer their users instant fiat funding into Swiss IBAN-backed accounts, with support for EUR, CHF, USD, and RMB/CNH balances.

Off-Ramp Capabilities

Fiat withdrawal via traditional bank wire lets account holders move funds out to any bank account globally. The platform connects to SEPA (euroSIC), SIC, and SWIFT payment networks, enabling businesses to receive and send fiat across European and international banking rails.

API Integration for Developers

Fiat24 offers two integration paths for embedding on/off-ramp functionality:

• Smart Contract Integration: Direct permissionless interaction with Fiat24's Solidity smart contracts on Arbitrum — no registration required to start integrating
• RESTful API: Off-chain API enabling customisation of payment flows, card management, and full banking infrastructure leverage
• Revenue sharing: Wallet providers earn 1% commission on user top-up transactions

Business Account On/Off-Ramp

Fiat24 business accounts (available to crypto companies, DAOs, DeFi protocols, and Web3 startups) come with built-in on/off-ramp capabilities as part of the Swiss IBAN account. Multi-currency balances are held as ERC-20 tokens on Arbitrum, bridging on-chain and off-chain finance with full on-chain transparency.

Why Choose Fiat24

Fiat24 combines Swiss regulatory credibility with permissionless blockchain integration. Projects can embed regulated fiat on/off-ramp capabilities without navigating complex banking licensing, and can launch an MVP payment-enabled wallet in under a week.