How on-ramps & off-ramps work

Last updated: June 11, 2026

How on-ramps & off-ramps work

On-ramps and off-ramps move value between your bank account (or a stablecoin) and your wallet. An on-ramp buys a Stablebond with local currency or a stablecoin; an off-ramp converts your tokens back into local currency paid to your bank. Both follow the same shape: get a quote, create an order, complete payment, and the value is delivered.

On-ramp: buy with local currency or a stablecoin

At a high level: get a quote, create an order, send your payment to the details Etherfuse returns, and the tokens are delivered to your wallet.

Step by step

  1. Get a quote. Request a quote for the amount you will pay and the token you want to buy, on your chosen network. The quote returns the exchange rate, the fee, and the amount of tokens you will receive. Quotes are valid for 2 minutes.

  2. Create the order. Submit the quote along with your registered bank account and the destination wallet. Etherfuse returns deposit instructions — the exact account and amount to pay.

  3. Send your payment. Pay the specified amount from your bank (SPEI in Mexico, PIX in Brazil), or fund with a stablecoin such as USDC.

  4. Tokens are delivered. Once Etherfuse detects your payment, the tokens are delivered to your wallet.

Receiving tokens on Stellar

On Stellar, if your wallet still needs to be set up to hold the asset, tokens are delivered as a claimable balance — Etherfuse provides a short transaction you sign to claim them into your wallet.

Payment methods & networks

  • Pay with: local currency (SPEI for MXN, PIX for BRL) or a stablecoin such as USDC.

  • Receive on: Solana, Stellar, Base, Polygon, or Monad.

Good to know

  • The quote sets your price and amount — create the order while it is still valid (2 minutes).

  • Only one pending purchase is allowed per bank account and amount at a time.

Off-ramp: cash out to your bank

An off-ramp converts your on-chain tokens into local currency paid directly to your bank account: get a quote, create an order with your bank details, sign one on-chain transaction, and the funds are deposited to your bank.

Step by step

  1. Get a quote. Request a quote for the token you want to convert and the local currency you want to receive. The quote returns the exchange rate, the fee, and your expected payout. Quotes are valid for 2 minutes.

  2. Create the order. Submit the quote along with the bank account where you want the funds deposited and the wallet the tokens will come from. Your bank account is validated first so the payout settles cleanly.

  3. Sign the transaction. Etherfuse returns a ready-to-sign transaction. Sign it and submit it to move your tokens for conversion.

  4. Funds arrive in your bank. Once the on-chain transaction is confirmed, Etherfuse sends the local currency to your bank account.

Timing

Off-ramps are fast: funds typically reach your bank the same day, and at most by the next business day (T+1). This is much quicker than an on-chain redemption, which settles on a weekly payout schedule (see How on-chain purchases & redemptions work).

If the transaction expires

The transaction you sign is time-sensitive. If an order sits unsigned for too long, Etherfuse automatically refreshes it, and you can request a fresh one at any time before signing. Always sign the latest transaction Etherfuse provides.

Payouts & rails

  • Mexico (MXN): paid via SPEI.

  • Brazil (BRL): paid via PIX.

Supported networks

You can on-ramp to, and off-ramp from, tokens held on Solana, Stellar, Base, Polygon, or Monad.

Prefer to buy or sell directly on-chain with a stablecoin? See How on-chain purchases & redemptions work.