On/Off Ramp

On/Off Ramp moves money between your organization’s bank accounts and its onchain accounts (Safes and wallets), converting between US dollars and USDC on the way. Your Universal Account does the conversion in the middle, so you don’t need an exchange account.

You’ll find it in the sidebar under Move Money → On/Off Ramp. The page is described as Between your bank accounts and your onchain accounts. The Universal Account converts on the way.

Why use it

• Fund a wallet from the bank, or cash out to the bank, without moving money through an exchange yourself.
• It’s your own money, under your own controls. A ramp is approved under your approval policy for moves between your own accounts, like an internal transfer.
• You see what arrives before you submit. The review shows the conversion fee and the estimated amount that lands.

How it works

1. You choose a direction. On-ramp is bank to onchain; Off-ramp is onchain to bank.
2. You choose the two accounts and the amount in USDC.
3. You review it, including the fee and the estimated arrival, and submit it for approval.
4. It’s approved and executed. On an on-ramp, your bank pays dollars in by ACH or wire, and USDC is delivered to the wallet or Safe. On an off-ramp, USDC is sent from the wallet or Safe and dollars are wired to the bank.

When to use it

• Topping up an onchain treasury from a bank account.
• Paying expenses in dollars from stablecoins you hold onchain.

To move the same asset between two of your accounts, use Internal Transfers. To pay someone outside your organization, use Bill Pay.

Using the page

The page is one card, On/Off Ramp. See All On/Off Ramps above it opens Move Money, filtered to ramps.

Field	What to choose
Direction	On-ramp (bank to onchain) or Off-ramp (onchain to bank). Changing it clears both accounts
From	On an on-ramp, a bank account; on an off-ramp, a Safe or wallet. On an off-ramp you see how much USDC it holds
To	On an on-ramp, a Safe or wallet; on an off-ramp, a bank account. The arrows between From and To (Switch direction) flip the direction and swap the two
Network	Which network the USDC moves on. Shown once both accounts are chosen
Pay in by	On an on-ramp, ACH or Wire
Amount	The amount in USDC

Below the amount, a line says what arrives, such as Arrives as ≈ $1,000 USD, how it’s converted, and how long it takes.

Click Review (it shows the amount, e.g. Review 1000 USDC). The review adds the conversion details: on an on-ramp, the wire details, Delivered on, Auto-conversion fee and Estimated arrival; on an off-ramp, the Deposit address, Network, Minimum deposit, Auto-conversion fee and Estimated arrival. Then Back, Save Draft or Submit for approval. After submitting you see Submitted. It is waiting on its approvers. and land on the ramp in Move Money.

Actions, at the top right, has See All On/Off Ramps, Add Bill Payment, Add Internal Transfer and Approval & Execution Engine.

Good to know

• It needs a Universal Account. The paying entity must have one. If no entity has finished onboarding, the page reads Not open yet: Moving between your bank accounts and your onchain accounts needs Advanced Onboarding, and the review takes at least a day. Click Start Advanced Onboarding to begin.
• Both ends belong to the same entity on an on-ramp. The wallet or Safe must be one of that entity’s accounts, on a network the Universal Account delivers to.
• USDC only. The onchain side is always USDC; the bank side is always US dollars.
• It takes about a business day. On-ramp: The wire takes a business day; the USDC lands when it clears. Off-ramp: USDC settles into the Universal Account first; the wire out takes a business day.
• There’s a minimum and a fee. On an off-ramp, the review shows the Minimum deposit; below it, you see Below the auto-conversion minimum of …. If the fee is more than the amount, you see The auto-conversion fee is more than the amount, so nothing would arrive.
• Off-ramp checks the balance; on-ramp doesn’t. On an off-ramp you can’t send more USDC than the account holds (That is more than … holds.). Mezzanine can’t see your bank balance, so an on-ramp isn’t checked.
• Approvers see it as a treasury move. Its category is Treasury : On-ramp or Treasury : Off-ramp.
• You need a bank account and an onchain account. With fewer than two accounts, the page reads Add an account or Add another account and offers ways to add one.

Who can use it

To…	You need the permission
Open this page and save or submit a ramp	View outgoing transfers and Propose on/off ramps
Start Advanced Onboarding from the page	Manage Universal Account onboarding
Approve a ramp	No permission: you must be named in your policy for moves between your own accounts. See Approval & Execution

Propose on/off ramps is on for Owner and Admin, and for Finance by default. The page needs the Approve Payments app installed in the App Library.

Without View outgoing transfers, the page says You can’t view payments. Without Propose on/off ramps, it says You can’t create this ramp. Both let you request the missing permission.