US Crypto On/Off-Ramp & Stablecoin Conversion API

Coinme provides enterprise-grade fiat-to-crypto and crypto-to-fiat on/off-ramp infrastructure through a RESTful API platform. Companies can embed regulated cryptocurrency conversion capabilities into their applications without building compliance, banking, or licensing infrastructure from scratch.

Coinme holds money transmission licenses across 48 U.S. states plus Puerto Rico (NMLS ID 1185542), is FinCEN registered, and operates under a third-party audited compliance framework — enabling partners to launch U.S.-facing services without obtaining their own money transmitter licenses.

Core Capabilities

• B2B On-Ramp (fiat to crypto): USD-to-crypto conversions supporting Bitcoin, Ethereum, Solana, XRP, Dogecoin, Litecoin, Polygon, Stellar, and Chainlink
• Off-Ramp (crypto to fiat): Crypto-to-USD conversion with real-time liquidity and settlement
• Stablecoin Rails: Fiat-to-USDC and USDC-to-fiat conversion enabling low-cost cross-border transfers and B2B payments
• Multi-Payment Support: ACH bank transfers, debit cards, and physical cash ramps at 20,000–30,000+ U.S. retail locations including Walmart and CVS
• Cash Onramp Widget: Low-code iFrame or API widget allowing users to purchase crypto with cash at participating retail locations, with barcode generation and real-time quote display

Compliance & KYC/AML

All integrations include built-in KYC/AML onboarding, sanctions screening, and 24/7 compliance monitoring. Partners can optionally use their own KYC and payment providers via the modular architecture.

Target Customers

• Web3 wallet providers seeking native fiat-to-crypto conversion
• Fintechs and neobanks adding crypto buying/selling to their platforms
• Global on/off-ramp platforms entering the U.S. market
• Remittance and cross-border payment applications
• International cryptocurrency exchanges requiring U.S.-licensed infrastructure

Technical Specifications

RESTful API with full documentation at docs.coinme.com. Sandbox environment available. Implementation timeline: weeks, not months. Fully customizable APIs with white-label branding support, webhook notifications, and multiple SDK libraries.