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PIK supports on-ramp (crypto to fiat) and off-ramp (fiat to crypto) for USDT and USDC. These use the same FX Conversion API — just specify the sell and buy currencies.

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On-Ramp — Crypto to Fiat

Convert a USDT or USDC balance into AUD or USD. Use on-ramp when:
  • You accept stablecoin payments but want to hold or pay out in fiat
  • A connected account has received crypto and wants to convert to AUD for domestic use
  • You want to settle cross-border stablecoin receipts into local currency
http 
POST /api/v1/fx/conversions
Set sell_currency to USDT or USDC and buy_currency to AUD or USD.

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Off-Ramp — Fiat to Crypto

Convert an AUD or USD balance into USDT or USDC. Use off-ramp when:
  • You want to move value into stablecoins for cross-border transfer
  • You want to pay a counterparty in USDT but hold AUD
  • A connected account wants to convert fiat into stablecoins
http 
POST /api/v1/fx/conversions
Set sell_currency to AUD or USD and buy_currency to USDT or USDC.

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Supported Pairs

FromToDirection
USDTAUDOn-ramp
USDTUSDOn-ramp
USDCAUDOn-ramp
USDCUSDOn-ramp
AUDUSDTOff-ramp
AUDUSDCOff-ramp
USDUSDTOff-ramp
USDUSDCOff-ramp

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Fees

A fixed spread is applied on the interbank mid-rate. No separate on-ramp or off-ramp fees beyond the standard FX conversion spread. For the full fee schedule, visit pik.global/pricings.

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Withdrawing After Off-Ramp

After off-ramping to USDT or USDC, withdraw the stablecoin balance to an external wallet via PIK Payouts. http 
POST /api/v1/payouts
Contact hi@pik.global to confirm the supported network before sending.