# Spritz Finance > Bring your crypto to life Spritz Finance is a crypto payments company that lets users pay bills, convert crypto to fiat, and spend digital assets via a card. It serves crypto holders who want to use their holdings for everyday spending without a bank. Spritz Finance is a crypto payments company that connects digital assets to everyday spending. Its platform lets users pay bills, move funds between crypto and traditional bank accounts, and spend directly from a wallet using a linked card. The service targets individuals who hold cryptocurrency and want to use it for real-world expenses without relying on a bank intermediary. The company addresses the gap between decentralized finance and traditional payment obligations, letting users settle recurring bills and everyday purchases directly from their holdings. Users connect a wallet, fund transactions with a range of supported tokens across multiple blockchains, and initiate transfers that convert crypto to fiat at the point of payment. Spritz operates as a licensed money transmitter and is registered with financial regulators, and it does not take custody of user assets during the process. Its offering spans bill payment, on-ramp and off-ramp conversion between crypto and bank accounts, and a virtual and physical card for point-of-sale spending. Spritz also provides a developer platform that lets other businesses embed crypto-to-fiat payment rails into their own products. It is used by individual crypto holders for daily spending and by companies seeking to integrate payment infrastructure into their own applications. - Type: Company - Sector: Payments - Status: Active - Founded: 2022-05-24 - Profile: https://thegrid.id/profiles/spritz_finance ## Products - [Spritz Off-ramp](https://thegrid.id/profiles/spritz_finance): Spritz Off-Ramp is a fiat conversion service that lets users convert cryptocurrency into fiat currency deposited directly to a bank account. It processes outbound transactions from a connected wallet to traditional banking rails while handling identity verification and compliance checks. An address book feature stores repeat payment destinations, and the service works across multiple supported blockchains and stablecoins. (On/Off Ramp, Live) - [SpritzCard](https://thegrid.id/profiles/spritz_finance): SpritzCard is a crypto-funded payment card that enables spending cryptocurrency at any merchant accepting Visa. It converts crypto balances from a connected wallet into fiat automatically at the point of sale, and is available as both a virtual card usable through mobile wallets and a physical card. Cardholders can fund it from multiple supported blockchains and tokens and earn cashback rewards on select spending categories. (Card, Early access) - [Spritz Bill Pay](https://thegrid.id/profiles/spritz_finance): Spritz Bill Pay is a consumer tool that lets users pay real-world bills directly using cryptocurrency from a connected wallet. The service converts crypto into fiat and settles payments with thousands of connected billers, including credit cards, loans, and utilities, without requiring a traditional bank account. It also supports scheduling recurring, gasless monthly payments for a bill using a stablecoin on a supported network, letting users automate repeat bill payments from their wallet. (Bill Pay tools, Live, Main Product) - [Spritz On-Ramp](https://thegrid.id/profiles/spritz_finance): Spritz On-Ramp is a fiat-to-crypto conversion service that lets users buy cryptocurrency directly from a connected bank account. It processes transfers from traditional banking rails into a blockchain wallet while performing identity verification and compliance checks. The service supports multiple blockchains and stablecoins, and allows users to set up automatic recurring purchases. (On/Off Ramp, Live) - [Spritz SDK](https://thegrid.id/profiles/spritz_finance): Spritz SDK is a developer platform providing a single API for embedding crypto-to-fiat payment rails into third-party applications. It gives businesses white-label access to on-ramps, off-ramps, bill pay, and crypto-funded cards, alongside identity verification, sanctions screening, and transaction monitoring handled by Spritz. Developers integrate one interface to move funds between stablecoins and traditional banking rails such as ACH, wire, and SEPA, without building their own compliance or settlement infrastructure. The platform also supports embedding non-custodial wallets with on-chain yield into a partner's own product. (Payments Infrastructure & Orchestration, Live) ## Links - [Main](https://www.spritz.finance) - [Documentation](https://help.spritz.finance) - [Blog](https://www.spritz.finance/blog) - [Documentation](https://docs.spritz.finance) - [Privacy policy](https://www.spritz.finance/privacy-policy) - [Terms of Service](https://www.spritz.finance/terms-conditions) - [Twitter / X](https://x.com/spritzfinance) - [GitHub](https://github.com/spritz-finance) - [LinkedIn](https://linkedin.com/company/spritz-finance) - [Discord](http://discord.gg/spritz) - [Farcaster](https://warpcast.com/spritz) ## Legal This data is provided under two licensing models. Model 1 - open data. 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