> ## Documentation Index
> Fetch the complete documentation index at: https://docs.polygon.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# On-ramps & Off-ramps

> Convert between fiat and stablecoins via OMS or third-party providers on Polygon.

The Open Money Stack provides regulated, enterprise-grade on-ramp and off-ramp infrastructure with KYC, AML, and compliance built in. Third-party providers are also available for teams not using OMS directly.

## OMS on-ramps and off-ramps

OMS handles both directions. The quote-and-execute pattern applies to crypto sends and payouts; cash-in and virtual accounts auto-create their transactions when funds arrive.

<CardGroup cols={2}>
  <Card title="Fiat to crypto" icon="arrow-right" href="/payments/guides/fiat-to-crypto">
    Accept cash at a retail location and deliver USDC to a wallet on Polygon. Bank funding is in early access.
  </Card>

  <Card title="Crypto to fiat" icon="arrow-left" href="/payments/guides/crypto-to-fiat">
    Move USDC from a custodial wallet to any wallet or address today, with bank disbursement (ACH, wire) in early access.
  </Card>

  <Card title="Cash-in" icon="coins" href="/api-reference/guide-cash-in">
    Let a customer deposit physical cash at a retail location and receive USDC in their wallet.
  </Card>

  <Card title="Virtual accounts (early access)" icon="building-columns" href="/payments/guides/virtual-accounts">
    Give a customer a dedicated bank account number that auto-converts incoming ACH deposits to USDC. Virtual-account provisioning is not yet available in the OMS API.
  </Card>
</CardGroup>

Supported today: cash at 50,000+ retail locations across 48 US states. RTP bank payouts are in early access and settle within minutes. Other bank rails (ACH, wire) and cards are coming soon.

<Card title="Request OMS access" icon="envelope" href="https://info.polygon.technology/get-early-access?utm_source=docs&utm_medium=card&utm_campaign=oms_access">
  Request access to the OMS on-ramp and off-ramp API.
</Card>

***

## Third-party providers

For teams building directly on Polygon without OMS, the following providers support Polygon on-ramps and off-ramps.

<Note>
  Polygon does not endorse or provide support for third-party providers. Do your own due diligence before integrating any service.
</Note>

### On-ramp providers

Convert fiat to crypto on Polygon via card, bank transfer, or local payment methods:

| Provider                                                                | Coverage       | Payment methods                  |
| ----------------------------------------------------------------------- | -------------- | -------------------------------- |
| [MoonPay](https://dev.moonpay.com/docs/on-ramp-overview)                | Global         | Card, bank transfer              |
| [Transak](https://docs.transak.com/)                                    | 160+ countries | Card, bank, local methods        |
| [Ramp](https://docs.rampnetwork.com/)                                   | Global         | Card, bank, Apple/Google Pay     |
| [Bridge](https://apidocs.bridge.xyz/)                                   | US + global    | Stablecoin-focused, programmable |
| [Revolut](https://www.revolut.com/en-US/)                               | Revolut users  | Revolut account                  |
| [Crossmint](https://crossmint.io/)                                      | Global         | Credit card, NFT/token checkout  |
| [BlindPay](https://blindpay.com/docs/getting-started/quick-start-payin) | Global         | Privacy-focused                  |
| [Payy](https://payy.link/)                                              | Global         | Payment link, checkout           |
| [Avenia](https://avenia.io/)                                            | Latin America  | Local payment methods            |
| [Mercuryo](https://oor-redirect.redoc.ly/#section/About)                | Global         | Card, bank transfer              |
| [Electrocoin](https://electrocoin.eu)                                   | Europe         | Local methods                    |

See the [Stripe on-ramp tutorial](/payment-services/stablecoins/onramps-stripe) for a step-by-step integration with Stripe's Crypto On-ramp API.

### Off-ramp providers

Convert crypto on Polygon to fiat via bank transfer, card payout, or cash:

| Provider                                                 | Coverage      | Payout methods             |
| -------------------------------------------------------- | ------------- | -------------------------- |
| [MoonPay](https://dev.moonpay.com/docs/on-ramp-overview) | Global        | Bank transfer, card payout |
| [Transak](https://docs.transak.com/)                     | 60+ countries | Bank transfer              |
| [Ramp](https://docs.rampnetwork.com/)                    | Global        | Bank transfer              |
| [Bridge](https://apidocs.bridge.xyz/)                    | US + global   | Stablecoin-to-fiat         |
| [Mercuryo](https://oor-redirect.redoc.ly/#section/About) | Global        | Card, bank                 |
| [Revolut](https://www.revolut.com/en-US/)                | Revolut users | Revolut account            |