BUFI On-Ramp & Off-Ramp: Convert Between Fiat and USDC

BUFI converts fiat currency to USDC (on-ramp) and USDC to fiat (off-ramp) via regulated payment processors. The Alfred rail covers ten LATAM and APAC corridors — MXN, ARS, BRL, COP, CLP, PEN, BOB, DOP, HKD, and CNY — over local bank rails, alongside USD and EUR through Bridge, with 1-3 business day settlement to bank accounts.

The Problem

Businesses that operate with stablecoins need to move money between crypto and fiat constantly: receive client payments in fiat and convert to USDC treasury, or spend from USDC treasury and convert to fiat for rent and salaries. Each conversion today requires a separate exchange, separate KYC, and separate fees. BUFI integrates on-ramp and off-ramp directly into the financial workflow.

Features

Fiat On-Ramp
Convert local currency to USDC via bank transfer (ACH, SEPA, SPEI, wire). Funds arrive as USDC in your BUFI wallet on your chosen blockchain network (ACH, SEPA, SPEI, wire supported)
Fiat Off-Ramp
Convert USDC to local currency and withdraw to a verified bank account. Settlement in 1-3 business days depending on corridor and payment method (1-3 business day settlement)
Supported Currencies
The Alfred rail covers Mexican Peso (MXN), Argentine Peso (ARS), Brazilian Real (BRL), Colombian Peso (COP), Chilean Peso (CLP), Peruvian Sol (PEN), Bolivian Boliviano (BOB), Dominican Peso (DOP), Hong Kong Dollar (HKD), and Chinese Yuan (CNY), every one of them paired against USDC. US Dollar and Euro run through Bridge over wire, ACH, and SEPA (10 Alfred corridors, plus USD and EUR)
Network Choice
On-ramp deposits USDC to your chosen network: Polygon, Base, Ethereum, or Solana. Cross-chain transfers via Circle CCTP move USDC between networks (4 networks + CCTP bridging)
Regulated Processors
All fiat operations processed through regulated and licensed payment processors with KYC/KYB verification for compliance (Regulated and licensed)
Integrated Workflow
On-ramp and off-ramp are integrated into BUFI invoicing, payroll, and treasury — no need to leave the platform or use external exchanges (No external exchange needed)
Conversion Fees
Approximately 1% spread on fiat-to-USDC and USDC-to-fiat conversions. Transparent fee display before confirmation (~1% conversion spread)
Minimum Amounts
Minimum on-ramp and off-ramp amount is $10 USD equivalent. No maximum for verified business accounts ($10 minimum)

Frequently Asked Questions

How do I convert fiat to USDC for my business?

In BUFI, initiate a fiat on-ramp from the treasury dashboard. Select your fiat currency (USD, EUR, MXN, or BRL), amount, and target blockchain network (Polygon, Base, Ethereum, or Solana). Transfer fiat via bank transfer (ACH, SEPA, SPEI, or wire). USDC arrives in your BUFI wallet after processing.

How do I convert USDC to fiat and withdraw to my bank?

In BUFI, initiate a fiat off-ramp from the treasury dashboard. Select USDC amount, source network, and target fiat currency. BUFI converts USDC and deposits fiat to your verified bank account in 1-3 business days. Minimum withdrawal is $10 USD equivalent.

What are the fees for BUFI on-ramp and off-ramp?

BUFI charges approximately 1% spread on fiat-to-USDC and USDC-to-fiat conversions. The exact fee is displayed before confirmation. Blockchain network fees (sub-cent on Polygon, Base, and Solana) apply for on-chain operations. There are no hidden fees.

Do I need KYC for BUFI on/off ramp?

Yes. Fiat on-ramp and off-ramp services require KYC (Know Your Customer) for individuals or KYB (Know Your Business) for companies. Verification is processed through BUFI's regulated payment processor partners and is required for compliance with financial regulations.

Which fiat currencies does BUFI support for on/off ramp?

The Alfred rail supports ten fiat corridors against USDC: MXN, ARS, BRL, COP, CLP, PEN, BOB, DOP, HKD, and CNY. Supported bank rails are SPEI, PIX, COELSA, ACH, wire, and local bank transfer. USD and EUR run through Bridge over wire, ACH, and SEPA. Alfred quotes are USDC-only — any other stablecoin is rejected as an unavailable pair.

Key Facts