Fiat‑to‑Stablecoin API: How Due & Ready Are Making Money Move Like Data

Why the Traditional On‑Ramp Is Broken

For most people, acquiring stablecoins still feels like navigating a maze of platforms. The classic route looks like this:

1. Sign up and verify identity on a centralised exchange – a process that can take days and raises questions about privacy and custody.
2. Deposit fiat currency via wire or card, often paying 3–4% in hidden fees and waiting for funds to clear.
3. Buy a stablecoin such as USDC or USDT.
4. Withdraw to a self‑custody wallet, paying a blockchain fee and hoping the exchange honours the withdrawal.

This process works, but it introduces friction and risk. Chainalysis data shows that even though stablecoin volumes dominate crypto transactions, fiat on‑ramping is still concentrated on a handful of exchanges: between July 2024 and June 2025, Bitcoin and Ethereum accounted for over $1.2 trillion of fiat inflows, while stablecoins ranked only third and fourth at $564 billion and $497 billion. It’s little wonder that regulators worldwide are tightening rules and demanding better on‑ramps.

The Promise of Borderless Digital Money

Stablecoins were designed to make money move at the speed of the internet. Within five years, the supply of major asset‑backed stablecoins grew from $5 billion to $308.381 billion (October 23, 2025), and total on‑chain transaction volumes reached $32 trillion in 2024, with $5.7 trillion devoted specifically to cross‑border payments. This growth reflects a simple value proposition:

• Speed: Blockchain payments settle in under three minutes and run 24/7/365.
• Control: Self‑custody wallets let users hold their own keys and track transactions in real time.

However, to enjoy these benefits, users need a fiat on‑ramp solution that matches the simplicity of the underlying technology. That is the problem that Due and Ready set out to solve.

How the Due × Ready Fiat‑to‑Stablecoin Flow Works

Ready is a self‑custodial wallet designed to make crypto simple and secure. The new bank‑to‑crypto API integration with Due removes exchange intermediaries entirely. Here’s the flow:

1. Open Ready, tap Fund and create your personal virtual account details. Due’s API generates local bank routing information (IBAN, sort code, etc.) for EUR, GBP, MXN, BRL or AED.
2. Send a normal bank transfer from your local account to those details. Because the account exists on local rails (SEPA, Faster Payments, PIX, etc.), funds arrive quickly with low fees.
3. Due converts the incoming fiat-to-USDC conversion API, applying fair FX rates and zero slippage.
4. Receive USDC in your Ready wallet. There are no centralised exchanges, no delays and no custodial risk.

The crypto on‑ramp for wallets works in 150+ countries at launch and will expand as Due adds more currencies. Because the process uses local rails, users avoid international wire fees and can fund self‑custody accounts just as easily as paying a friend by bank transfer. It’s a seamless fiat‑to‑stablecoin API conversion that happens in seconds.

Due’s Stablecoin Payments Infrastructure

Due’s stablecoin payment API is the engine behind this flow. Built by Revolut alumni, the platform combines multiple rails into one endpoint:

Collect & Convert

Businesses can accept local fiat transfers via PIX, ACH, SEPA and other domestic systems and auto‑convert them into stablecoins like USDC or EURC at competitive rates. Funds land instantly and transparently. This feature enables merchants, marketplaces and fintechs to offer customers a compliant fiat on‑ramp solution without managing liquidity or FX.

Pay Out Globally

The same API can initiate payouts in over 80 countries through local banking rails, ACH, SEPA Instant, Faster Payments, PIX and even mobile money in Africa. Recipients can choose to receive funds in local currency or stablecoins, making it perfect for payroll, vendor payments or remittances.

Virtual Accounts

Due automatically generates local bank account details in major currencies (EUR, GBP, USD, MXN, AED, BRL and more), eliminating lengthy onboarding and allowing businesses to go global instantly. Virtual accounts are key to the fiat‑to‑USDC conversion API because they anchor blockchain settlement to local banking networks.

Bulk Payouts & Payout Links

Need to pay dozens or hundreds of recipients? With a single API call, you can send funds to vendors, freelancers or employees worldwide. Payout links remove the need to collect bank details up front; the recipient chooses whether to receive money in a bank account, mobile wallet or stablecoin address.

Stablecoin Swaps

Due lets you swap stablecoins 1:1 across major issuers with zero slippage. Want to hold USDC and pay out in EURC? The API handles conversions at wholesale FX rates, so there are no hidden spreads. Businesses can move seamlessly between digital dollars and euros without leaving the platform.

Real‑Time Notifications and Modular Wallets

With webhooks and flexible permissions, Due provides instant transaction confirmations and granular control over approvals and limits. Developers can use Due’s embedded wallet or plug in their own non‑custodial solution, ensuring users always maintain ownership of keys.

Security & Compliance

Fast doesn’t mean reckless. Due is SOC 2 certified and embeds automated KYC/KYB checks into its API. Real‑time risk monitoring screens every transfer for fraud. The company operates through regulated subsidiaries. This makes Due a regulated crypto API provider that meets global compliance standards.

Why This Due × Ready Partnership Benefits Users and Businesses

Eliminating Friction

By bridging bank accounts and blockchain, Ready and Due offer an instant bank‑to‑crypto transfer that removes the need to pre‑fund exchange accounts. Users don’t wait three days for SWIFT settlement or worry about FX spreads. Due’s on‑chain settlement eliminates pre‑funding delays and reduces idle capital exposure.

Cost Savings

The Due × Ready partnership turns bank-to-USDC funding into a cost win for both sides: FX spreads typically land at 0.2–0.7%, like-for-like fiat transfers are usually under $0.50, and Due’s processing fees come in at 0.2–0.3% for cross-border B2B and under 1% for merchant processing, versus 4–6% on traditional cross-border card networks, making stablecoin rails the practical fix for what investors like Speedinvest call “one of the most stubbornly broken pieces of global finance,” and a clear advantage for high-volume commerce.

Always‑On Money

Stablecoins settle 24/7. There are no bank holidays or cut‑off times. Businesses can fund payroll at midnight or issue refunds on weekends, giving customers a superior experience. This always‑on capability underpins Due’s mission to make the world one currency zone.

Self‑Custody and Trust

Unlike cards or exchange wallets, Ready keeps users in full control of their assets. They hold their own private keys while Due manages the plumbing. Non‑custodial design reduces counterparty risk and aligns with regulatory shifts encouraging segregation of client funds. Trust is further enhanced by SOC 2 certification and independent audits.

Global Reach and Local Simplicity

Due’s infrastructure stitches together 80+ markets at launch and aims to reach over 100 by year‑end. Virtual accounts let businesses operate as if they had local bank accounts in multiple countries without opening entities. This supports e‑commerce platforms, payroll providers, fintechs and even NGOs. For instance, Rainforest Builder uses Due to send USD and settle in African currencies, while neobanks offer virtual EUR and USD wallets for remittances. Ready’s bank deposits feature is another application of the same API.

The Bigger Picture: Stablecoins in 2025

The fiat-to-crypto on-ramp API isn’t a feature anymore; it’s table stakes. Without seamless fiat-to-stablecoin conversion, users defect to faster, cheaper rails; with a cross-border payments API like Due’s, platforms expand into new markets, compress costs, and keep the entire flow inside the wallet. The Due × Ready launch proves it now: a standard bank transfer in, USDC out in seconds, no exchange detours, full compliance, clean reconciliation. For product teams, this is the blueprint for a crypto on-ramp for wallets and a production-ready fiat on-ramp solution: one integration, virtual accounts, webhooks, and on-chain settlement. Plug into the Due API and ship bank-to-crypto in minutes, not months.

Ready’s bank deposits feature is live now. If you’re building a wallet, marketplace, payroll system or any product that requires global money movement, explore the Due API and see how easy it is to integrate crypto payments into your stack. The documentation and demo are available on Due’s site, and the company’s licensing information is fully transparent.