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

# Crypto-to-Fiat Off-Ramp

> Instantly convert crypto to fiat and settle funds into bank accounts, backed by Sardine's risk and compliance platform.

Sardine Off-Ramp allows users and businesses to convert digital assets into fiat and access funds quickly via bank account or card. As the Merchant of Record, we handle KYC, compliance, settlement, and fraud liability, letting you focus on your product.

Unlike providers that require manual bank entry or sending crypto to unknown addresses, Sardine embeds a seamless off-ramp experience directly into your application.

## Why Sardine?

<Info>
  **Key benefits of Sardine Off-Ramp:**

  * **Faster Experience:** Users link accounts once and transact without manual steps.
  * **Instant Payouts:** Funds settle into bank accounts or cards in minutes, not days.
  * **Lower Fees:** Efficient risk and payment routing keep costs low and retention high.
  * **Enterprise Ready:** Ideal for consumer withdrawals, stablecoin redemptions, and global payouts for fintechs and institutions.
</Info>

## Next Steps

* [Contact us](https://www.sardine.ai/contact) to get your sandbox API key.
* Read our [Integration Guides](/integration_guides/onofframps/quickstart) to start building.