> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pik.global/llms.txt
> Use this file to discover all available pages before exploring further.

# On-Ramp & Off-Ramp

> How to convert between stablecoins and fiat currencies using PIK's on-ramp and off-ramp capabilities.

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.

### 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

```text theme={null}
POST /api/v1/fx/conversions
```

Set sell\_currency to USDT or USDC and buy\_currency to AUD or USD.

### 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

```text theme={null}
POST /api/v1/fx/conversions
```

Set sell\_currency to AUD or USD and buy\_currency to USDT or USDC.

### Supported Pairs

| From | To   | Direction |
| :--- | :--- | :-------- |
| USDT | AUD  | On-ramp   |
| USDT | USD  | On-ramp   |
| USDC | AUD  | On-ramp   |
| USDC | USD  | On-ramp   |
| AUD  | USDT | Off-ramp  |
| AUD  | USDC | Off-ramp  |
| USD  | USDT | Off-ramp  |
| USD  | USDC | Off-ramp  |

### 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.

### Withdrawing After Off-Ramp

After off-ramping to USDT or USDC, withdraw the stablecoin balance to an external wallet via PIK Payouts.

http

```text theme={null}
POST /api/v1/payouts
```

Contact [hi@pik.global](mailto:hi@pik.global) to confirm the supported network before sending.