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Bridge.xyz (now part of Stripe) covers broad orchestration and US plus EU payouts. BVNK (acquired by Mastercard late 2025) targets enterprise dual-licensed flows. MoneyGram Access runs cash-out at physical locations through Stellar USDC. Conduit specializes in cross-border, LATAM-strong. Pick by corridor coverage, payout SLA, and weekend handling.
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The off-ramp question for a business treasury is rarely "which one is best." It is "which one covers my corridor, on my SLA, with weekend payouts, at a KYB onboarding I can clear in days, not weeks." This article compares the four providers business teams actually consider in 2026.
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Four jobs:

"Off-ramp" sometimes refers only to step three onwards; in business context it almost always means the whole flow.
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Stripe acquired Bridge in late 2024 and the product has been integrated into the Stripe stack since. The orchestration API (apidocs.bridge.xyz/platform/orchestration/overview) exposes accept, hold, convert, and pay out as separate endpoints. Strong on US bank rails (ACH, wire), EUR via SEPA, and a growing LATAM and Africa footprint.
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Best for: platforms already inside the Stripe stack, US-headquartered businesses with US + EU payout needs, marketplaces that want one API for everything.
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Bridge's full corridor list moves quarterly; treat the live developer docs as canonical before scoping a launch.
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BVNK is the enterprise pick. Mastercard acquired them in late 2025 (reported around $1.8B; LinkedIn / X coverage from industry analysts). Their public posture is dual-licensing (fiat + crypto in regulated jurisdictions), audited SLAs, claimed 99.99% uptime. Their docs at docs.bvnk.com cover on-ramp, off-ramp, virtual accounts, and stablecoin transfers.
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Best for: enterprise treasury teams that need compliance posture as part of the procurement decision; payment processors that need backend off-ramp under their own brand; broad corridor coverage across major payout markets (confirm current country list with Bridge directly).
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A different shape from the other three. MoneyGram Access is the only one that ends in cash at a physical location. Through their developer portal (developer.moneygram.com), wallets and exchanges integrate USDC on Stellar; the user deposits USDC, picks a MoneyGram location, and withdraws cash in local currency.
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Strengths: physical cash-out is unique. Useful in markets where bank accounts are under-penetrated (parts of Latin America, Africa, Southeast Asia). NALA partnership extends Asia and Africa coverage via Rafiki.
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Weaknesses: limited to USDC on Stellar (no Ethereum, Solana, or Tron natively); per-transaction limits; cash logistics overhead at the location.
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Best for: businesses paying out to consumers in cash-heavy markets, remittance corridors, NGO disbursement programs.
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Conduit raised a $36M Series A (Yahoo Finance, industry coverage) and focuses on cross-border. Their LATAM corridor depth shows up in Polygon's published case studies on LATAM enterprise payments. The product wraps off-ramp + payment into one step: send USDC, recipient gets local fiat at their bank, no intermediate hold.
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Best for: cross-border B2B payments to suppliers in LATAM, treasury teams that want a one-step off-ramp-and-pay, businesses where the corridor is the procurement criterion.
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Conduit's full corridor and SLA list is not published on the public marketing site; sales conversations are the canonical source.
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The ranges above are deliberate. Off-ramp provider marketing pages publish best-case numbers; production SLAs vary by corridor and by customer tier. Treat marketing-page SLAs as an upper bound, not a contractual commitment.
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Walk this in order:

The weekend question is underrated. Most card-replacement use cases get tripped up by it: stablecoins settle 24/7, but the fiat leg at the end inherits the rail's hours. US ACH is the worst (no weekends, no Federal Reserve holidays). RTP and FedNow help but coverage is partial. SEPA Instant runs 24/7 in the EU. SPEI runs effectively 24/7. Faster Payments in the UK runs 24/7.
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Bridge and BVNK route around banking holidays where they can by using instant rails (RTP, FedNow, SEPA Instant). Conduit's LATAM strength benefits from SPEI and PIX being 24/7 rails. MoneyGram is bounded by physical location hours.
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Typical KYB for an SMB business off-ramp account:

Bridge and Conduit can clear a clean SMB file in 1 to 5 business days. BVNK enterprise files run longer because they require dual-licensing checks. MoneyGram's wallet-partner KYB is the longest because the partner is then exposing physical cash-out.
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Published spreads on majors (USD to EUR, USD to GBP, USDC to MXN) typically run in the low-single-digit percent range in 2026, with material variation across providers. Negotiated enterprise spreads on volume can compress to 0.1% to 0.5%. Exotic corridors (USD to NGN, USD to ARS) carry materially wider spreads, often 1% to 3%, occasionally more.
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The FX spread is the part of the off-ramp pricing that is most worth contesting in a procurement cycle.
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