Institutional crypto on-ramp and off-ramp,
Swiss regulated

Institutions send BTC, ETH, SOL, USDT or USDC to the wallet XEROF opens in their name, convert in XEROF Online at the live market rate, and receive USD, EUR, GBP or CHF over Fedwire, SWIFT, SEPA, CHAPS or Faster Payments. The fee is shown on its own line. Every transfer is screened on-chain before conversion, so the money that arrives carries its compliance record with it.

Treasuries use it to fund stablecoin balances for payments and settlement, and funds to buy crypto without going through an exchange. The rate comes from professional market makers and is passed on at cost.

With XEROF the money goes to an account in your own name, or to a third-party beneficiary through stablecoin payouts to 59 countries. For the step-by-step view from an individual's side, see how to cash out crypto; for large single trades, the crypto OTC page.

• Who provides it: FE Swiss Financial AG (XEROF), a Swiss regulated crypto brokerage and member of VQF (No. 100954), a self-regulatory organisation recognised by FINMA. XEROF is a brokerage, not an exchange.
• Assets in: BTC, ETH, SOL, USDT or USDC, sent to a wallet in your own name, used only for you. Client assets are never mixed.
• Rate and fee: you convert yourself in XEROF Online at the live market rate, passed on at cost. The XEROF fee is shown on its own line.
• Money out: USD over Fedwire, RTP, ACH or SWIFT; EUR over SEPA or SWIFT; GBP over Faster Payments, CHAPS or SWIFT; CHF over SWIFT.
• Where the money goes: to a bank account in your own name. A company can also receive it on a dedicated IBAN in its own name.
• Paying someone else: to pay a supplier, contractor or other third party, convert to USDT or USDC first. Third-party payouts are funded only with USDT or USDC on the Ethereum network.

Fiat for your company can arrive on a dedicated IBAN in its own name. To pay a third party, use stablecoin payouts.

1. 1

   Open an account

   Complete identity verification online as an individual or a company. Onboarding typically completes in 3 to 5 business days and there is no onboarding fee.

2. 2

   Fund in crypto or money

   Log in to online.xerof.com and request a deposit. Send stablecoins or crypto to the wallet XEROF opens in your name, or send money using the details shown in the platform.

3. 3

   Request and execute your quote

   Request a conversion in online.xerof.com and the platform returns a quote with the market rate and our fee on separate lines. Execute it in the same screen and the conversion is done.

4. 4

   Withdraw

   Instruct the withdrawal in online.xerof.com. Money goes to a bank account in your name, crypto to the wallet in your name or an address you specify.

Fees follow the published monthly volume tiers on the pricing page. Businesses that receive crypto from customers can pair the off-ramp with accepting crypto payments and a dedicated IBAN for money proceeds.

What is a crypto off ramp?

A crypto off ramp converts cryptoassets or stablecoins into money currency and pays it to a bank account. With XEROF you send BTC, ETH, SOL, USDT or USDC to your in your own name wallet, convert in XEROF Online at the live rate and receive USD, EUR, GBP or CHF in an account in your own name.

What should I check before using a crypto off ramp?

Who the provider is and how it is regulated, where your assets sit before conversion, whether the fee is shown separately from the rate, and whose account the money goes to. XEROF is a member of VQF (No. 100954), keeps one in your own name wallet per client, shows its fee on its own line and pays the money to an account in your name.

Can I off-ramp bitcoin straight to a supplier?

No. Money from BTC, ETH or SOL goes to your own account. To pay a supplier or other third party, convert to USDT or USDC first: third-party payouts are funded only with USDT or USDC on the Ethereum network.

What is an institutional crypto off-ramp?

A regulated service that converts an institution's cryptoassets or stablecoins into money and pays it to a bank account in the institution's own name, at size, with the compliance record the receiving bank expects.

What are institutional crypto on-ramp solutions used for?

Funding stablecoin balances for payments and settlement, and buying cryptoassets at size without an exchange. Money arrives by bank transfer and the assets settle to the institution's in your own name wallet.

What is a crypto on-ramp and off-ramp?

An on-ramp converts money currency such as CHF, EUR or USD into cryptoassets. An off-ramp converts cryptoassets back into money. XEROF provides both as a regulated Swiss settlement service, with money leaving over conventional bank rails.

Which cryptoassets does XEROF support?

USDC, USDT, BTC, ETH and SOL against USD, EUR, CHF and GBP. Additional assets can be arranged for institutional clients on request.

How long does a conversion take?

Conversions are executed on acceptance of the quote. Money settlement then follows the timing of the chosen rail: SEPA and Faster Payments typically the same business day, SWIFT one to two business days.

Is XEROF regulated?

Yes. FE Swiss Financial AG, dba as XEROF, is a financial intermediary under the Swiss AMLA and a member of VQF (No. 100954), a self-regulatory organisation recognised and supervised by FINMA. XEROF is not a bank and does not take deposits.

Can a business use the off-ramp for operating payments?

Yes. Companies convert stablecoins to money for supplier payments, payroll and operating expenses, or hold stablecoins and instruct XEROF to pay a money invoice directly through the Payouts service.

What does an on or off ramp cost?

Our fee for stablecoin conversion is a percentage of the trade value, set each month by your previous month's volume. Cryptoassets other than stablecoins carry a separate rate. The full schedule is published on the pricing page and confirmed in writing at account opening.