Off-Ramp Flow (to bank accounts, mobile money, wallets)
Ramply's off-ramp infrastructure enables seamless conversion from stablecoins back to fiat currencies, supporting multiple payout methods including bank accounts, mobile money, and digital wallets across 120+ countries.
Unlimit Off-Ramp Services
Core Off-Ramp Capabilities
Multi-Currency Payouts: Support for 50+ fiat currencies
Multiple Payout Methods: Bank accounts, mobile money, digital wallets
Real-time Processing: Instant or near-instant payouts
Compliance Integration: Built-in regulatory compliance and reporting
Fraud Prevention: Advanced fraud detection for outgoing payments
Key Benefits
Global Coverage: Payouts to 120+ countries worldwide
Local Integration: Deep integration with regional payment systems
Regulatory Compliance: Automatic compliance with local regulations
High Success Rates: Optimized payout flows for maximum delivery
Payout Methods
Bank Account Transfers
Wire Transfers: International wire transfers for large amounts
ACH Transfers: Automated Clearing House for US payouts
SEPA Transfers: Single Euro Payments Area for European payouts
Local Bank Transfers: Regional bank transfer methods
Instant Bank Transfers: Real-time bank-to-bank transfers
Mobile Money
M-Pesa: Kenya and Tanzania mobile money integration
MTN Mobile Money: African mobile money network
Airtel Money: Pan-African mobile money service
Orange Money: West African mobile money platform
Vodafone M-Pesa: European mobile money service
Digital Wallets
PayPal: Global digital wallet integration
Skrill: International digital wallet service
Neteller: Online payment service
Perfect Money: Digital payment system
Regional E-wallets: Local digital wallet solutions
Cryptocurrency Wallets
MetaMask: Ethereum wallet integration
Trust Wallet: Multi-chain wallet support
Coinbase Wallet: Institutional wallet integration
Hardware Wallets: Ledger and Trezor support
Exchange Wallets: Direct integration with major exchanges
Off-Ramp Process Flow
Step 1: Payout Initiation
User Request: User initiates payout request
Amount Verification: Verify available stablecoin balance
Rate Calculation: Real-time exchange rate calculation
Fee Calculation: Transparent fee structure display
Step 2: Compliance & Verification
KYC Verification: Verify user identity and compliance status
AML Screening: Anti-money laundering checks
Sanctions Screening: OFAC and other sanctions list checks
Transaction Limits: Verify against user transaction limits
Step 3: Stablecoin Conversion
Stablecoin Burning: Burn USDC through Circle API
Fiat Conversion: Convert to target fiat currency
Payout Processing: Process payout through Unlimit
Confirmation: Send confirmation to user
Step 4: Delivery & Settlement
Payout Execution: Execute payout to recipient
Status Tracking: Real-time payout status tracking
Settlement Confirmation: Confirm successful delivery
Notification: Notify user of successful payout
Technical Implementation
API Integration
RESTful APIs: Standard REST API for payout processing
Webhook Support: Real-time payout status updates
SDK Integration: Easy integration with applications
Batch Processing: Multiple payouts in single request
Security Measures
End-to-End Encryption: All payout data encrypted
Multi-signature Wallets: Enhanced security for large payouts
Fraud Detection: Machine learning-based fraud prevention
Audit Trail: Complete transaction history and logging
Error Handling
Retry Mechanisms: Automatic retry for failed payouts
Fallback Options: Alternative payout methods for failures
User Notifications: Real-time status updates and error messages
Support Integration: Seamless escalation to support team
Regional Payout Solutions
North America
ACH Payouts: Direct ACH for US recipients
Wire Transfers: International wire transfers
Canadian Banking: Interac e-Transfer support
Mexican Banking: SPEI and OXXO payout support
Europe
SEPA Payouts: Single Euro Payments Area support
Open Banking: PSD2-compliant open banking integration
Local Methods: iDEAL, Sofort, Bancontact payouts
Crypto Payouts: Direct crypto wallet payouts
Asia-Pacific
UPI Payouts: Unified Payments Interface for India
Alipay/WeChat Pay: Chinese payment method payouts
GrabPay: Southeast Asian payout solution
Bank Transfers: Local bank transfer methods
Africa
Mobile Money: M-Pesa, MTN Mobile Money payouts
Bank Transfers: Local bank transfer methods
Crypto Payouts: Direct crypto wallet payouts
Cash Pickup: Cash pickup at local agents
Performance Optimization
Speed Optimization
Pre-approval: Faster payout processing
Caching: Frequently used data cached for speed
Async Processing: Non-blocking payout processing
Real-time Updates: Live status updates for users
Cost Optimization
Dynamic Routing: Automatic selection of cheapest payout method
Batch Processing: Multiple payouts processed together
Fee Optimization: Real-time fee calculation and optimization
Volume Discounts: Reduced fees for high-volume users
Compliance & Reporting
Regulatory Compliance
KYC/AML: Know Your Customer and Anti-Money Laundering
Sanctions Screening: OFAC and other sanctions list checks
Transaction Reporting: Automatic regulatory reporting
Audit Trail: Complete transaction history for compliance
Risk Management
Fraud Detection: Advanced fraud prevention systems
Transaction Monitoring: Real-time transaction monitoring
Risk Scoring: Automated risk assessment for each transaction
Compliance Alerts: Proactive compliance issue detection
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