On-Ramp from Fiat Fees

Country/Region	Method	Deposit Currency	Fee
UK & Europe	Internet Banking (SEPA)	USD	As per rate displayed at checkout
Mexico	Internet Banking (SPEI)	USD
Brazil	PIX QR	USD
Other Countries	Virtual Accounts	USD	See section : Virtual Accounts -  On-Ramp Fees and Conditions

This table outlines the method and fees for depositing (on-ramping) Fiat currency into USD based on the user's location:

1. UK & Europe: Users in this region use Internet Banking (SEPA). The fee is "As per rate displayed at checkout." 

   • The SEPA (Single Euro Payments Area) zone is a European payments integration initiative. The UK & Europe region listed in the table covers the 36-41 countries and territories that participate in SEPA. This zone includes: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino, and Vatican City State.

2. Mexico: Users in Mexico use Internet Banking (SPEI). The fee is "As per rate displayed at checkout."

3. Brazil: Users in Brazil use PIX QR. The fee is "As per rate displayed at checkout."

4. Other Countries are not in list of SEPA and Brazil: Users in other countries use Virtual Accounts. The fee is listed as "Virtual Accounts -  On-Ramp Fees and Conditions Section"

Virtual Accounts -  On-Ramp Fees and Conditions

How it works

• Friends, family, and businesses can send you payments just like a regular US bank account.
• These bank payments will automatically onramp to USDC and  get credited to your USD KAST Cash Account.
• Virtual bank accounts are available for most countries, there are some state based restrictions in the U.S, if you are eligible it will be displayed in your app.

 

Payment Networks Supported

• ACH – Ideal for domestic US transfers, typically arriving the same day.
  Fedwire – Best for larger payments, with same-day settlement in most cases.

Important Things to Know

• USD Only: Your account supports only US dollars (USD).
• Foreign Currency Transfers: If you happen to receive a currency different from USD, our bank partner may convert it at their FX rate (fees may apply if the currency is supported). If the currency is not supported, additional fees may be charged to your account to return the funds.
• Processing Time: Domestic transfers usually arrive within a day. International transfers can take up to five days, depending on intermediary banks.