Fiat On-Ramp and Off-Ramp API

Fiat to stablecoins
and back

Start with a quote

Every conversion starts with a quote: the fees on each side, the rate and the markup, before you commit.

QuoteValid 2 min

You send1,000.00 USD · ACH

You receive995.00 USDC

Fee5.00 USD

Rate1.0

On-ramp: fiat in, stablecoins out

Your customer pays by bank transfer, mobile money or QR in any of 16 currencies, and stablecoins land in the wallet you set. Two ways in: a one-off transfer, paid once using the bank details and reference code it returns, or a virtual account your customer keeps and pays into again and again.

Deposit instructions

IBANDE89 •••• 0130 00

BeneficiaryDue Payments Europe

ReferenceREF-ABC123XYZ

The reference is how Due matches the deposit.

Swap across stablecoins and chains

Move between USDC, USDT, EURC and BRLA across 12 networks, changing the stablecoin, the chain or both in one transfer. On-chain delivery is free, including across chains.

Stablecoin swapNo on-chain fee

100.00 USDCPolygon

→

91.50 EURCBase

Rate0.915

Off-ramp: stablecoins in, fiat out

Fund with stablecoins from your wallet, and the payout goes out on local rails in 80+ countries, or over SWIFT.

Off-rampProcessed

1,000.00 USDCEthereum

924.50 EURSEPA

Approved

Payment submitted

Payment processed

Choose Due to move between
fiat and stablecoins

Stablecoin swaps
4 stablecoins across 12 networks. Change the stablecoin, the chain or both in one transfer.
No fee on-chain
On-chain payouts are free, including moves across chains. Due charges no network or withdrawal fee.
Public rates
Live and historical rates without an API key, from 1-minute to daily intervals.
Markup you can see
Each quote returns the FX markup in basis points, separate from fees.
Off-ramp without signing
Fund an off-ramp by sending one transfer to a funding address, with no signing integration.
On-ramp in local currencies
Take bank transfers, mobile money and QR payments in 16 currencies.

Where you can on-ramp, and on which networks

The map shows the 16 currencies you can on-ramp from. Off-ramps pay out on local rails in 80+ countries. The table shows which stablecoin runs on which network.

Where your customers can on-ramp from World map of Due coverage

USDACH · Wire · FedNow

MXNSPEI

COPBre-B

BRLPIX

GBPFaster Payments

EURSEPA

NGNNIP

UGXMobile money

AEDIPP · FTS

PHPQR Ph

LiveComing soonSee full coverage →

Token	Ethereum	Arbitrum	Base	Optimism	Polygon	Avalanche	Solana	Starknet	Tron	BNB Chain	Tempo	Plasma
USDC	✓	✓	✓	✓	✓	✓	✓	✓	—	—	✓	—
USDT	✓	✓	—	—	✓	—	✓	—	✓	✓	—	✓
EURC	✓	—	✓	✓	—	—	✓	—	—	—	—	—
BRLA	✓	—	✓	—	—	—	—	—	—	—	—	—
USDGComing soon	Soon	—	—	—	—	—	Soon	—	—	—	—	—

USDT is not available to clients in the EU. USDT on Stable is in beta.

Coming soonUSDGPYUSDOUSDUSDR (Revolut)

Buy and sell stablecoins, inside your app

1,000 USDC → 924.50 EURRate 0.9278

For developers

Quote, convert and deliver in one flow.

On-ramps, swaps and off-ramps all use the same quote and transfer calls. Only the rails on each side change.

Explore API

# Swap quote: 100 USDC on Polygon to EURC on Base
curl -X POST https://api.due.network/v1/transfers/quote \
  -H "Authorization: Bearer your_api_key" \
  -H "Due-Account-Id: your_account_id" \
  -H "Content-Type: application/json" \
  -d '{
    "source": { "rail": "polygon", "currency": "USDC", "amount": "100.00" },
    "destination": { "rail": "base", "currency": "EURC", "amount": "0" }
  }'

# Off-ramp quote: 1,000 USDC on Ethereum to EUR over SEPA
curl -X POST https://api.due.network/v1/transfers/quote \
  -H "Authorization: Bearer your_api_key" \
  -H "Due-Account-Id: your_account_id" \
  -H "Content-Type: application/json" \
  -d '{
    "source": { "rail": "ethereum", "currency": "USDC", "amount": "1000.00" },
    "destination": { "rail": "sepa", "currency": "EUR", "amount": "0" }
  }'

# On-ramp: 1,000 USD over ACH to USDC on Ethereum
# 1. Quote
curl -X POST https://api.due.network/v1/transfers/quote \
  -H "Authorization: Bearer your_api_key" \
  -H "Due-Account-Id: your_account_id" \
  -H "Content-Type: application/json" \
  -d '{
    "source": { "rail": "ach", "currency": "USD", "amount": "1000.00" },
    "destination": { "rail": "ethereum", "currency": "USDC", "amount": "0" }
  }'

# 2. Create the transfer with the quote token
curl -X POST https://api.due.network/v1/transfers \
  -H "Authorization: Bearer your_api_key" \
  -H "Due-Account-Id: your_account_id" \
  -H "Content-Type: application/json" \
  -d '{ "quote": "eyJhbGciOi...", "recipient": "{destination_id}" }'

# The response returns one-time bank details and the reference
# your customer includes with the payment
"transferInstructions": {
  "details": { "schema": "bank_us", "accountNumber": "1234567890", "routingNumber": "021000021" },
  "memo": "REF-ABC123XYZ"
}

REST · JSON · signed webhooks

Public ratesLive and historical rates without an API key.
Rate history1, 5, 15, 60 and 1,440-minute intervals.
One flowOn-ramps, swaps and off-ramps share the same quote and transfer calls.

Licensed
& regulated

European UnionMiCA CASP

Due Network, S.L. (CIF B16407272) is a company incorporated in Spain and registered as a Crypto Assets Service Provider (CASP) regulated by the Comisión Nacional del Mercado de Valores (CNMV) under the European MiCA regime.

United StatesMSB

Due Technologies Inc., registered in the State of Delaware, is registered as a Money Services Business (MSB) and works with sponsor banks for US dollar accounts. Due Technologies Inc. is a technology services provider, not a bank.

CanadaRPAA PSP

Due Payments Inc. is a registered Payment Service Provider (PSP) under Canada’s Retail Payment Activities Act (RPAA), supervised by the Bank of Canada.

ArgentinaPSAV

Due is registered with Argentina’s Comisión Nacional de Valores (CNV) as a Virtual Asset Service Provider, listed in its PSAV registry.

Onboarding follows international KYC and AML standards and sanctions regimes, including OFAC, EU, UN, UK and MAS.

More on on and off-ramps

How Ready moves fiat into stablecoins on Due, how stablecoins compare with traditional FX, and how USDT and USDC differ.

All articles

Company news

On & off
ramps

Trusted by forward-thinking brands

Fiat to stablecoins
and back

Start with a quote

On-ramp: fiat in, stablecoins out

Swap across stablecoins and chains

Off-ramp: stablecoins in, fiat out

Choose Due to move between
fiat and stablecoins

Stablecoin swaps

No fee on-chain

Public rates

Markup you can see

Off-ramp without signing

On-ramp in local currencies

Where you can on-ramp, and on which networks

Buy and sell stablecoins, inside your app

Quote, convert and deliver in one flow.

Licensed
& regulated

European UnionMiCA CASP

United StatesMSB

CanadaRPAA PSP

ArgentinaPSAV

More on on and off-ramps

Fiat-to-stablecoin API: How Due & Ready are making money move like data

Stablecoin vs Traditional FX for Cross-Border Payments (2026 Guide)

USDT vs. USDC: See How These Stablecoins Compare

Frequently Asked Questions

Start converting

On & off ramps

Trusted by forward-thinking brands

Fiat to stablecoins and back

Start with a quote

On-ramp: fiat in, stablecoins out

Swap across stablecoins and chains

Off-ramp: stablecoins in, fiat out

Choose Due to move between fiat and stablecoins

Stablecoin swaps

No fee on-chain

Public rates

Markup you can see

Off-ramp without signing

On-ramp in local currencies

Where you can on-ramp, and on which networks

Buy and sell stablecoins, inside your app

Quote, convert and deliver in one flow.

Licensed& regulated

European UnionMiCA CASP

United StatesMSB

CanadaRPAA PSP

ArgentinaPSAV

More on on and off-ramps

Fiat-to-stablecoin API: How Due & Ready are making money move like data

Stablecoin vs Traditional FX for Cross-Border Payments (2026 Guide)

USDT vs. USDC: See How These Stablecoins Compare

Frequently Asked Questions

Start converting

On & off
ramps

Fiat to stablecoins
and back

Choose Due to move between
fiat and stablecoins

Licensed
& regulated