# Rampy.money

> Rampy.money moves money between bank accounts and stablecoins (USDC, USDT, EURC, PYUSD). Customers buy stablecoins with a bank transfer, sell them to a bank account in USD, EUR or GBP (Brazil, Mexico and Colombia are coming soon), swap between coins and networks, and get permanent bank details or crypto addresses that convert payments on arrival. It is non-custodial: it never holds customers' money or keys. Payments and verification are carried out by its regulated partner, Bridge. Operated by Rampy Technologies, Inc., 2810 North Church Street, Wilmington, DE 19802, United States.

Pricing: 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500 per buy or sell, plus 10 on a payout by US wire (our partner's charge, at cost); swaps 0.5% of the amount, with no flat fee; 1.99% of each payment for deposit accounts and auto-convert addresses, with no flat fee.

## Who Rampy is for
- Freelancers and contractors paid by clients abroad, in stablecoins or by bank transfer, who want the money in their own currency.
- Anyone holding USDC, USDT, EURC or PYUSD who wants it in a bank account in USD, EUR or GBP without opening an exchange account.
- People and companies that want permanent bank details of their own in USD or EUR, where every payment converts to stablecoins on arrival.
- Businesses that take payments in stablecoins, or pay suppliers and contractors in local currency from stablecoins.

## What Rampy does not do
- No volatile crypto: only the stablecoins USDC, USDT, EURC and PYUSD. No Bitcoin, Ether or trading.
- No card payments: buying is by bank transfer, currently in GBP.
- No custody, interest or yield: coins go to a wallet the customer controls, and Rampy never holds them.
- Identity verification is required before any order, and not every country is served: see Where Rampy works below.

## Recently added
- Exact payouts: when selling to GBP, EUR, MXN or BRL, set the amount that should arrive (for example an invoice for £1,000) and Rampy prices what to send up front, including a 0.5% cushion against the exchange rate moving.
- Same-day ACH for US payouts: sent by 2:30pm Eastern on a business day, it arrives that afternoon at banks that take same-day ACH, and the next business day at others.
- Payment alerts: an email within the hour when stablecoins arrive in a customer's Rampy wallet from outside Rampy, such as a client paying an invoice.
- Link a US bank account by signing in to it (through Plaid), for accounts in the customer's own name.
- Change the amount of an order that has not been paid yet, without cancelling it.

## Products
- [Buy stablecoins with a bank transfer or a card](https://www.rampy.money/buy): Buy USDC, USDT, EURC or PYUSD with a GBP bank transfer from 100. Non-custodial: coins go straight to a wallet you control. Or buy USDC by card, where available.
- [Sell stablecoins to your bank account](https://www.rampy.money/sell): Sell USDC, USDT, EURC or PYUSD and get paid to your own bank account on ACH, wire, SEPA or Faster Payments. Brazil, Mexico and Colombia are coming soon.
- [Swap stablecoins and move between networks](https://www.rampy.money/swap): Swap USDC, USDT, EURC and PYUSD, or move the same coin between networks, from 20, in your own wallet with no bank involved and the fee shown first.
- [Bank deposit accounts that pay in stablecoins](https://www.rampy.money/deposit-accounts): Permanent bank details of your own, in USD and EUR. Incoming payments convert automatically to stablecoins and land in a wallet you control.

## Use cases
- [Get paid in stablecoins](https://www.rampy.money/get-paid-in-stablecoins): Give clients or an employer bank details. What arrives converts to USDC, USDT, EURC or PYUSD in a wallet you control, for 1.99%.
- [Stablecoin payments for businesses](https://www.rampy.money/business-payments): Take customer bank transfers as stablecoins, or pay stablecoins out to a company bank account. One verified company account, non-custodial throughout.
- [Convert stablecoins to your bank automatically](https://www.rampy.money/auto-convert): A permanent address that converts anything sent to it and pays your bank account. 1.99% with no flat fee per payout, and non-custodial throughout.

## Compared with other services
Each page states where the other service is the better choice as well as where Rampy is; the other side's figures are from its public pages on the stated date.
- [Rampy vs Payoneer](https://www.rampy.money/compare/rampy-vs-payoneer): Payoneer holds your money as a balance and converts at its own rate. Rampy converts each payment to stablecoins in your wallet. Fees, limits and where each one wins.
- [Rampy vs Wise](https://www.rampy.money/compare/rampy-vs-wise): Wise converts ordinary currencies near mid-market and holds a balance. Rampy turns bank payments into stablecoins in your own wallet, and back. Fees and where each fits.
- [Rampy vs Grey](https://www.rampy.money/compare/rampy-vs-grey): Grey pays foreign income out to local African banks. Rampy turns it into stablecoins in your own wallet, in more countries. Fees, limits and where each is the better choice.
- [Rampy vs Deel](https://www.rampy.money/compare/rampy-vs-deel): Deel is chosen by your client and handles contracts; you pay to withdraw. Rampy is bank details you give any client, converting payments to stablecoins you control.

## Stablecoins
- [USDC](https://www.rampy.money/usdc): A dollar stablecoin issued by Circle, redeemable one-for-one for US dollars. The most widely supported asset on Rampy — it runs on 8 of the 9 networks we carry; Tron carries USDT only.
- [USDT](https://www.rampy.money/usdt): A dollar stablecoin issued by Tether. On Rampy it runs on Ethereum, Solana and Tron — Tron being the network most USDT actually moves on.
- [EURC](https://www.rampy.money/eurc): A euro stablecoin issued by Circle, redeemable one-for-one for euros. Selling it into euros involves no currency conversion at all — only the rail.
- [PYUSD](https://www.rampy.money/pyusd): A dollar stablecoin issued by Paxos for PayPal. On Rampy it runs on Ethereum and Solana.

## Currency routes
- [Convert USDC to USD](https://www.rampy.money/usdc-to-usd): Sell USDC and receive dollars in a US bank account by ACH or wire. Non-custodial, with the fee shown before you confirm.
- [Convert USDC to EUR](https://www.rampy.money/usdc-to-eur): Sell USDC for euros to an IBAN over SEPA, usually in seconds. Non-custodial, with the fee shown before you confirm.
- [Convert USDC to GBP](https://www.rampy.money/usdc-to-gbp): Sell USDC for pounds to a UK bank account over Faster Payments, usually within minutes. Non-custodial, fee shown up front.
- [Convert USDC to BRL](https://www.rampy.money/usdc-to-brl): Sell USDC for Brazilian reais to a Pix key, in seconds, any day. Payouts only; needs a phone number and a CPF, or a passport if you are not Brazilian.
- [Convert USDC to MXN](https://www.rampy.money/usdc-to-mxn): Sell USDC for Mexican pesos, paid to a CLABE over SPEI. Non-custodial: the pesos go straight to your bank, and the fee is shown before you confirm.
- [Convert USDC to COP](https://www.rampy.money/usdc-to-cop): Sell USDC for Colombian pesos by Bre-B or bank transfer, to your own account or a supplier's. Non-custodial, with the fee shown before you confirm.
- [Buy USDC with a GBP bank transfer](https://www.rampy.money/gbp-to-usdc): Buy USDC with a UK bank transfer over Faster Payments. Coins go straight to a wallet you control; the fee is shown before you confirm.

## Guides
- [How to Record Crypto Income for Your Books: Reconciliation Basics](https://www.rampy.money/blog/record-crypto-income-for-your-books): What to log for every stablecoin payment you receive, how to match a deposit to an invoice, and which records to keep for your accountant. Not tax advice.
- [Get Paid From the US Without a US Bank Account: USD and EUR Bank Details in Your Name](https://www.rampy.money/blog/get-paid-from-the-us-without-a-us-bank-account): USD and EUR bank details in your own name, without opening a bank account abroad. Clients pay by ACH, wire or SEPA; you receive USDC or EURC. Who can open them and what it costs.
- [How to Invoice a Client in USDC (and What to Put on the Invoice)](https://www.rampy.money/blog/how-to-invoice-a-client-in-usdc): What a USDC invoice needs: the amount, the network, your wallet address, a due date and who pays the network fee. With a checklist and common mistakes.
- [How to Set Up a Wallet to Receive USDC, If You've Never Had One](https://www.rampy.money/blog/set-up-a-wallet-to-receive-usdc): What a wallet address is, which network to give a client, why a small test payment comes first, and the two things you must never share.
- [Rampy vs Wise for Receiving Client Payments: What Each Is For](https://www.rampy.money/blog/rampy-vs-wise-receiving-client-payments): Wise and Rampy both give you bank details a client can pay. Wise keeps a balance for you; Rampy turns each payment into stablecoins in your own wallet. Costs and who should pick which.
- [What Is a Stablecoin? Fiat-Backed Stablecoins in Plain English](https://www.rampy.money/blog/what-is-a-stablecoin): A stablecoin is a token meant to stay worth one dollar or one euro. How USDC, EURC and USDT are backed, why people get paid in them, and the risks.
- [W-8BEN and W-9: What Freelancers Paid by US Clients Need to Know](https://www.rampy.money/blog/w-8ben-w-9-freelancers-us-clients): A US client asked for a W-8BEN or a W-9. What each form is, which one is yours, where it goes and what it does not do, sourced from irs.gov.
- [Faster Payments vs Bacs vs CHAPS: Which UK Rail Matters When You Cash Out](https://www.rampy.money/blog/faster-payments-vs-bacs-vs-chaps): The UK's three ways to move pounds between banks: how fast each is, what it is for, what it costs, and which one carries a Rampy payout.
- [From Overseas Client Payments to INR: A Stablecoin Payment Flow for Indian Businesses](https://www.rampy.money/blog/india-business-usd-eur-stablecoin-payments): How an Indian agency or consultancy could receive USD and EUR from overseas clients as stablecoins, then sell for INR on its own exchange account — costs, records and the questions to ask first.
- [Get Paid by US Clients in USD, Into Bank Details in Your Own Name](https://www.rampy.money/blog/get-paid-by-us-clients-in-usd): US clients pay by ACH or wire like they pay any American supplier. The dollars arrive as USDC in your wallet. How it works, what it costs, who may pay.
- [Turn Part of Your Salary Into Stablecoins Every Month, Automatically](https://www.rampy.money/blog/turn-part-of-your-salary-into-stablecoins): A standing order from your bank to your own deposit account turns a monthly amount into USDC or EURC with nothing to remember. In dollars or euros.
- [Get Paid in Euros by SEPA, and Keep It in Euros as EURC](https://www.rampy.money/blog/get-paid-in-euros-keep-it-in-eurc): EUR bank details in your name: clients pay by SEPA, and the euros arrive as EURC, a euro stablecoin, with no exchange to dollars. Or as USDC if you prefer.
- [Who Can Pay Into Your Deposit Account? The USD, EUR and GBP Rules Side by Side](https://www.rampy.money/blog/who-can-pay-into-a-deposit-account): Your own account, a business, another person: who can pay into USD, EUR and GBP deposit accounts, and why the wrong sender means a payment returned days later.
- [Is Rampy Safe? Who Holds Your Money, and What If We Disappeared](https://www.rampy.money/blog/is-rampy-safe): Rampy never holds your money or your keys. Who does at each step, who checks your identity, what protects your account, and what nobody can.
- [Why Is My Account on Hold? Reviews, Limits and What Still Works](https://www.rampy.money/blog/why-is-my-account-on-hold): Each kind of hold on a Rampy account, from a review to the new-account limit: what still works during it, how long it takes, and what helps.
- [How to Cash Out USDC from Coinbase to a UK Bank Account](https://www.rampy.money/blog/coinbase-usdc-to-uk-bank): Move USDC from Coinbase to your own wallet on Base, sell it on Rampy, and get pounds by Faster Payments within minutes. Steps, fees, one mistake to avoid.
- [Your Client Paid You in USDC: How to Get It Into Your Bank the Same Day](https://www.rampy.money/blog/client-paid-in-usdc-to-bank): Two ways to get a client's USDC into your bank: sell each payment yourself, or give them an auto-convert address that pays your bank every time.
- [Freelancing from Brazil for US Clients: Dollars to Reais by Pix](https://www.rampy.money/blog/brazil-freelancer-us-clients-pix): Paid by US clients? Compare a wire with being paid in USDC and selling to your Pix key: speed, what you need, fees, and records for your contador.
- [How to Sell USDC for Mexican Pesos by SPEI](https://www.rampy.money/blog/sell-usdc-for-mexican-pesos-spei): Turn USDC into pesos in a Mexican bank account over SPEI: who can, what a CLABE is, the Thursday maintenance window, minimums and fees.
- [How to Sell USDC for Colombian Pesos by Bre-B or Bank Transfer](https://www.rampy.money/blog/sell-usdc-for-colombian-pesos-bre-b): Turn USDC into Colombian pesos in your own account or a supplier's: who can, Bre-B keys versus bank accounts, what the bank asks for, which coins work, and fees.
- [How to Sell USDC for Brazilian Reais with Pix](https://www.rampy.money/blog/sell-usdc-for-brazilian-reais-pix): Turn USDC into reais on a Pix key in seconds: who can, which Pix keys work, the CPF or passport you need, minimums and fees.
- [How to Pay Contractors with Stablecoins](https://www.rampy.money/blog/pay-contractors-with-stablecoins): Two ways to pay contractors from stablecoins: straight to their wallet, or into their own bank account in their own currency. What each needs.
- [How to Get Paid in USDC as a Freelancer](https://www.rampy.money/blog/get-paid-in-usdc-as-a-freelancer): Three ways for a freelancer to get paid in USDC: a wallet address, bank details that convert, or an invoice with a pay link. Costs and trade-offs.
- [How to Sell USDC for GBP and Get Paid by Faster Payments](https://www.rampy.money/blog/how-to-sell-usdc-for-gbp): Turning USDC into pounds in a UK bank account: which networks work, what Faster Payments actually costs, and why the name on the payment matters.
- [Crypto Off-Ramp for Businesses: Converting Stablecoins to Company Money](https://www.rampy.money/blog/crypto-off-ramp-for-business): How a company converts stablecoin revenue into its bank account, what verification asks for, and the bookkeeping that keeps an accountant happy.
- [What Is a Virtual Account for Crypto, and Should You Use One?](https://www.rampy.money/blog/what-is-a-virtual-account-for-crypto): Permanent bank details that convert anything paid into them. How virtual accounts work, what they cost, and the one risk that has no undo button.
- [USDC vs EURC: Which Stablecoin Should a European Actually Hold?](https://www.rampy.money/blog/usdc-vs-eurc): Circle issues both. One tracks the dollar, one the euro. The right choice depends on which currency your rent is in, not which is more popular.
- [How to Swap USDT to USDC (and When You Should Not Bother)](https://www.rampy.money/blog/how-to-swap-usdt-to-usdc): Swapping between stablecoins, what it costs on each network, why it is usually a taxable disposal, and the cases where it is not worth doing.
- [Why Is My Crypto Withdrawal Still Pending?](https://www.rampy.money/blog/why-is-my-crypto-withdrawal-pending): The six reasons a crypto-to-bank transfer sits in pending, how to tell which one you have, and what actually speeds each up.
- [SEPA vs SWIFT for Crypto Payouts: Which Rail Gets You Paid](https://www.rampy.money/blog/sepa-vs-swift-for-crypto-payouts): Why a euro payout arrives next day and an international wire takes a week, what correspondent banks charge, and how to pick the right rail.
- [I Sent Crypto on the Wrong Network. Is It Gone?](https://www.rampy.money/blog/sent-crypto-on-the-wrong-network): Sometimes recoverable, sometimes not. How to tell which case you are in within five minutes, and what actually works.
- [Solana vs Base for Moving Stablecoins: Which Costs Less?](https://www.rampy.money/blog/solana-vs-base-stablecoin-fees): Two cheap networks with different trade-offs. What each actually costs to move USDC, and which to pick for what.
- [Source of Funds: Why a Crypto Provider Is Asking, and What to Send](https://www.rampy.money/blog/source-of-funds-crypto-explained): What a source-of-funds request actually is, why refusing makes it worse, and exactly which documents resolve it fastest.
- [How to Convert USDT to USD and Get It Into Your Bank Account](https://www.rampy.money/blog/how-to-convert-usdt-to-usd): Four ways to turn Tether into dollars in 2026, what each really costs, how long they take, and the mistakes that lose people money.
- [How to Cash Out Crypto to Your Bank Account in 2026](https://www.rampy.money/blog/how-to-cash-out-crypto-to-bank-account): A step-by-step guide to turning crypto into money in your bank, what each route costs, how long it takes, and why transfers get held.
- [USDC vs USDT: Which Stablecoin Should You Actually Hold?](https://www.rampy.money/blog/usdc-vs-usdt): An honest comparison of the two largest stablecoins in 2026: reserves, regulation, freeze powers, network support and which suits which purpose.
- [The Cheapest Way to Convert Crypto to Cash (Fees Compared)](https://www.rampy.money/blog/cheapest-way-to-convert-crypto-to-cash): Every route from crypto to your bank, with real 2026 fees compared, plus the hidden costs providers do not put on the pricing page.
- [What Is a Crypto Off-Ramp? A Plain English Explanation](https://www.rampy.money/blog/what-is-a-crypto-off-ramp): What off-ramps do, how they differ from exchanges, why verification is required, and how to tell a legitimate service from a dangerous one.
- [Is Converting Crypto to Cash Taxable? What to Record](https://www.rampy.money/blog/is-converting-crypto-to-cash-taxable): How cashing out is treated for tax in the US, UK and EU, which events count as disposals, and the records to keep at the time.
- [How to Sell Crypto for EUR and Get Paid by SEPA](https://www.rampy.money/blog/sell-crypto-for-eur-sepa): A guide for European holders: SEPA versus SEPA Instant, what MiCA changed, which stablecoins are supported in the EU, and typical timings.
- [Tron vs Ethereum for USDT: Which Network Should You Use?](https://www.rampy.money/blog/tron-vs-ethereum-usdt-fees): A practical comparison of sending USDT on Tron and Ethereum in 2026: fees, speed, support, security trade-offs and when each makes sense.
- [How Long Does Crypto to Bank Actually Take?](https://www.rampy.money/blog/how-long-does-crypto-to-bank-take): Realistic timings for each stage of cashing out, why the bank leg dominates, and the specific reasons transfers get delayed.
- [Non-Custodial vs Custodial: What It Means for Your Money](https://www.rampy.money/blog/non-custodial-vs-custodial): Who actually controls your crypto in each model, what happens when a provider fails, and how to decide which suits you.

## Reference
- [How Rampy works](https://www.rampy.money/how-it-works): every product, its price and what catches people out
- [Pricing](https://www.rampy.money/pricing)
- [Where Rampy works](https://www.rampy.money/availability)
- [Supported currencies](https://www.rampy.money/supported-currencies)
- [Supported networks](https://www.rampy.money/supported-networks)
- [Supported bank rails](https://www.rampy.money/supported-rails)
- [Security](https://www.rampy.money/security)
- [FAQ](https://www.rampy.money/faq)
- [Terms of Service](https://www.rampy.money/legal/terms)
- [Privacy Policy](https://www.rampy.money/legal/privacy)

Contact: support@rampy.money