An offramp is the route that turns a stablecoin balance back into fiat sitting in a bank account. By 2026 the offramp market has split into two tiers: retail offramps that handle a personal USDC or USDT balance with a card or bank account, and B2B offramps that move treasury-sized flows for fintechs, payroll providers, and merchants. The mechanics are different, the fees are different, and the settlement rails are different.
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This article compares nine of the most-used offramps in 2026 across fees, supported regions, KYC tiers, accepted stablecoins, and settlement time. The comparison table below sits at the top so you can scan it first, then the per-provider sections cover the details and the edge cases.
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Coinbase is the default retail offramp in the US and a competitive one in the EU and UK. The headline feature in 2026 is free USDC to USD conversion at 1:1, applied at withdrawal to a linked bank account. Other stablecoins (USDT, DAI, PYUSD) route through a sell order at the prevailing market price plus a 1.49% ACH fee or 1.99% card fee.
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Settlement runs on three rails: ACH (1-3 business days, free), domestic wire (same-day, $25 outbound), and RTP/FedNow for instant withdrawals on Coinbase One. SEPA is supported for EU users at 0.15 EUR per transfer. Full KYC (government ID plus selfie) is required before any fiat withdrawal. Per Coinbase's fee schedule, USDC withdrawals to a verified bank account incur no Coinbase fee but the receiving bank may charge for wires.
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Kraken is the offramp of choice for users who want low maker/taker fees and broad fiat-currency support. The flow is sell stablecoin to USD/EUR/GBP/CAD/AUD/CHF/JPY on the spot market, then withdraw fiat. Maker fees start at 0.16%, taker at 0.26%, with Pro accounts dropping further. ACH withdrawals are free, FedWire is $4, and SEPA is 0.90 EUR.
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Kraken supports USDC, USDT, DAI, PYUSD, and USDG (the Paxos-issued Global Dollar). KYC tiers run Starter, Express, Intermediate, and Pro; Intermediate or higher is required for fiat withdrawals. Settlement on SEPA is one business day, FedWire is same-day if submitted before cutoff. Kraken's status page shows live withdrawal queue depth, which is useful during periods of heavy outflow.
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MoonPay's sell flow is the consumer-grade offramp embedded in hundreds of wallets and apps (MetaMask, Phantom, Trust Wallet). Users send USDC, USDT, or DAI to a MoonPay deposit address, MoonPay converts to fiat, and the funds settle to a linked bank account or card. Fees are 1% plus the network fee on the inbound transfer, with a $3.99 minimum.
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Regional rails matter here: SEPA payouts settle in 1-2 days, UK Faster Payments are same-day, and card payouts (Visa/Mastercard push) land in about an hour but carry a higher fee. KYC is tiered by lifetime volume: under $2k requires basic ID, $2k-$10k adds proof of address, and above $10k adds source of funds. MoonPay does not custody stablecoins long-term; offramps are designed to be a one-shot conversion.
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Transak is the second-most-embedded retail offramp after MoonPay, with deep integrations across Web3 wallets and L2 ecosystems. Fees range 0.99% to 1.99% depending on payment method, with an additional spread on the stablecoin to fiat rate. Transak supports USDC, USDT, DAI, and EURC on more than 80 networks, which makes it the broadest in terms of source chains.
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KYC tiers are organized as Lite ($1k lifetime), Standard ($15k), and Pro (unlimited, requires source of funds documentation). Settlement uses SEPA (1-2 days), ACH (1-3 days), Faster Payments (same-day), and PIX in Brazil (instant). Transak One, the company's API product, lets fintechs run an offramp under their own brand with shared KYC.
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Ramp Network leans into instant-settlement rails. SEPA Instant payouts to EU bank accounts land in under ten seconds, UK Faster Payments are same-day, and ACH is 1-3 days. Fees range 0.99% to 2.5% depending on payment method and region, with the lower end reserved for SEPA and Faster Payments. Card payouts cost more.
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Ramp supports USDC, USDT, and DAI across Ethereum, Polygon, Arbitrum, Base, Optimism, and Solana. KYC tiers mirror Transak: $1k lite, $15k standard, $50k+ enhanced with source of funds. Ramp's developer tooling (Ramp SDK and Ramp Network Hosted Pages) is the reason it shows up inside many wallets despite a lower brand profile than MoonPay.
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Mercuryo is an EEA-licensed payment institution (Estonia) with strong coverage across the European Economic Area and the UK. Its offramp supports USDC and USDT with payout via SEPA Instant, SWIFT (1-3 days), and card push. Fees run 0.95% to 3.95% depending on volume and payment method.
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Mercuryo's edge is regulatory: it holds an Electronic Money Institution license in Estonia, a registered Crypto Asset Service Provider authorization under MiCA, and a UK FCA registration. For users who care about which entity is custodying their fiat during the conversion, that matters. KYC is two-tier: basic for small volumes and enhanced for higher.
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Bridge is a B2B offramp acquired by Stripe in late 2024 and used by fintechs, payroll companies, and marketplaces that need to convert stablecoin receivables into fiat at scale. It is not a consumer product. The pricing is 0.1% on conversion at the highest volume tier, with negotiated rates above that.
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Bridge supports USDC, USDT, and PYUSD. Settlement rails include same-day ACH, FedWire, SEPA, and SWIFT through partner banks. KYB (Know Your Business) is required and includes beneficial ownership disclosure plus a treasury-policy review. Bridge's customer list (SpaceX for international contractor payouts, Stripe for its own Pay With Crypto product) is the strongest signal in the B2B segment.
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BVNK is the European counterpart in the B2B offramp space, headquartered in London with EMI authorization in the Netherlands and a Maltese VFA license. It serves payment service providers, online marketplaces, and treasury teams. Fees are 0.5% to 1% on conversion, negotiated by volume and currency pair.
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BVNK supports USDC, USDT, EURC, and PYUSD with settlement on SWIFT (same-day), SEPA Instant, and Faster Payments. KYB onboarding takes about two weeks and includes board resolutions, beneficial ownership, and a sanctions review. BVNK's stablecoin-as-a-service product lets a customer issue branded virtual IBANs that auto-sweep into a stablecoin treasury.
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Beam is a consumer-facing wallet with an embedded offramp focused on the US and Latin America. It supports USDC and USDT with payout to local bank rails (ACH in the US, PIX in Brazil, SPEI in Mexico, CBU in Argentina). Fees run around 1% plus a spread on the stablecoin to local currency rate.
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Beam's positioning is "stablecoin-native banking": the wallet holds stablecoins as the default unit of account and converts to local fiat only when the user spends or withdraws. KYC is handled in-app and tiered by withdrawal volume. Settlement on ACH is 1-3 days; on PIX and SPEI it is near-instant during business hours.
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For US consumers cashing out USDC, Coinbase remains the lowest-friction option because of the 1:1 free conversion. For users outside the US who want the lowest market-based fee and broad fiat support, Kraken is the better answer. For wallets and apps embedding an offramp, the choice narrows to MoonPay, Transak, or Ramp Network depending on which rails the target users need (Ramp wins on SEPA Instant, MoonPay on global card payout, Transak on chain coverage).
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For businesses, Bridge.xyz and BVNK are the two serious options, with Bridge stronger in the Americas and BVNK stronger in Europe. Beam is the right answer for a Latin America-focused product where the user wants to hold balances in stablecoins and only touch fiat at the point of spending.
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The three retail rails are ACH (1-3 business days, US), SEPA (one to two business days standard, SEPA Instant in ten seconds for participating banks), and Faster Payments (same-day, UK). Card push payouts to Visa or Mastercard land in about an hour but cost more. For B2B, SWIFT same-day and FedWire same-day are the workhorses, with SEPA Instant and FedNow gaining ground in 2026.
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Fees, KYC tiers, and settlement times were pulled from each provider's official documentation and fee schedule in May 2026: Coinbase Fees and USDC Rewards pages, Kraken Fee Schedule and Withdrawal Methods, MoonPay Help Center sell-flow articles, Transak Fees and KYC tier documentation, Ramp Network Help Center, Mercuryo Pricing and Licenses pages, Bridge.xyz developer docs and customer case studies, BVNK product pages and regulatory disclosures, and Beam Wallet support documentation. Exact rates can change; check the live fee schedule before relying on a quote for treasury planning.
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