Global On/Off-Ramp Infrastructure

Fern provides enterprise-grade fiat-to-crypto and crypto-to-fiat conversion infrastructure for businesses and developers, covering thousands of currency pairs across 10+ blockchain chains and multiple countries.

Product Overview

The Global Money Movements API lets developers integrate on/offramp functionality in under a week using just three API calls: create a quote, source account, and execute transfer. The API abstracts away multi-provider complexity and compliance requirements, supporting stablecoins (USDC, USDT), leading cryptocurrencies, and fiat currencies via regional rails (ACH, SEPA, SWIFT equivalents). Fern's proprietary Currency Multiplex routing engine intelligently selects the fastest and most cost-effective conversion path across crypto and fiat rails, battle-tested at hundreds of millions in transaction volume.

Key Features

• One-stop API: Covers on/offramps, stablecoins, and fiat across 10+ chains in a single integration
• 3 API calls to go live: Create a quote, source account, and execute transfer — fully operational in under a week
• Currency Multiplex: Proprietary routing engine automatically selects the optimal conversion path for speed and cost
• White-label UI: Embed a fully branded payment interface without building it from scratch; configure custom developer fees
• Compliance out of the box: Global money movements handled compliantly, removing the need for an internal compliance program
• Business account on/offramps: Best-in-class onramping and offramping with same-day settlement, low fees, 1:1 stablecoin rates, and minimal slippage
• Automated offramping rules: Automatically convert and route incoming crypto payments to a preferred bank account with no manual intervention
• 99.99% uptime SLA and white-glove developer support with direct channel access and forward-deployed engineers

Use Cases

Fern serves developers building embedded finance products, Web3 startups needing global payment acceptance, businesses paying international contractors or vendors in local fiat, and companies that receive crypto and need seamless conversion to bank accounts. Notable integrations include Para (crypto payment acceptance and automatic offramping), Ansa Research (global payroll automation), and Threshold Network.