# Off-Ramp Overview

Off-ramp refers to the process of converting cryptocurrency into fiat currency. The customer sends crypto to Banxa, and Banxa delivers the fiat payout to the customer's bank account or payment method.

## How it works

1. Your customer selects the crypto they want to sell and the amount.
2. They provide their bank account or payout details.
3. They complete identity verification (KYC) if required.
4. The crypto is transferred to Banxa's receiving wallet — either by the customer (non-custodial) or by your platform (custodial).
5. Banxa verifies receipt of the crypto and releases the fiat payout to the customer.


## Custodial vs. non-custodial

The sell flow has two variants depending on how the crypto transfer is executed:

|  | Non-custodial | Custodial |
|  --- | --- | --- |
| Who transfers the crypto | Customer | Your platform |
| How | Customer scans QR code or sends manually | Your platform executes transfer via blockchain |
| Typical use case | Consumer wallets | Exchange or custodial wallet products |


→ See [Custodial vs. Non-Custodial](/products/hosted-checkout/docs/on-ramp-off-ramp/custodial-vs-non-custodial) for implementation details.

## Supported payout methods

Fiat payout methods vary by region. Common options include:

- **PayID** — AUD (Australia)
- **SEPA bank transfer** — EUR (Europe)
- **PIX** — BRL (Brazil)


Retrieve the available options for your integration:


```
GET /{partnerRef}/v2/payment-methods
```

## Off-ramp configuration

Off-ramp must be enabled and configured for your partner account before you can create sell orders. Contact Banxa to:

- Enable off-ramp for your account.
- Choose between custodial and non-custodial flow.
- Configure supported crypto assets and payout methods.


## Integration

→ [API Integration: Create Sell Order](/products/hosted-checkout/docs/api-integration/create-sell-order)