On-Ramping and Off-Ramping

Overview:

Reah provides a high-performance bridge for moving funds between the legacy banking system and the digital economy. All incoming transfers are reflected as a USD balance upon arrival, allowing your business to hold, spend, and invest your capital instantly.

This guide covers:

• The On-Ramping Process: How incoming transfers are credited to your USD balance automatically.

• Zero-Fee Infrastructure: Why Reah is more cost-effective than traditional crypto exchanges.

• Off-Ramping to Fiat: A step-by-step on sending funds to an external business bank account via ACH or Wire.

• The Power of Unified USD: Understanding the digital foundation of your Reah account.

• Real-World Scenarios: Examples of treasury on-ramping, global vendor settlement, and payroll.

How On-Ramping Works

We have "pulled back the curtain" on the complexity of digital capital. When you use your Reah US Virtual Account, the transition to your digital treasury is automated.

• Automatic Availability: All incoming USD transfers are automatically reflected in your USD balance the moment they arrive.

• No On-Ramp Fees: Unlike other platforms that charge 3–5% for entry, Reah offers 0% on-ramp fees for all incoming USD transfers.

• Supported Rails: You can on-ramp funds using standard bank transfers, including ACH and Domestic Wire.

Off-Ramping to Fiat

Exiting the digital economy is just as simple as entering it. Reah allows you to move your stablecoin balance back into traditional US Dollars and deliver them directly to any linked bank account.

• Direct Delivery: Off-ramp your funds via ACH or Wire directly from your Reah dashboard.

• Zero Off-Ramp Fees: Just like our on-ramp, Reah does not charge fees for delivering your funds back as USD.

• Global Payouts: Execute high-speed outbound transfers that arrive in your recipient’s bank account as standard USD, providing a frictionless experience for global payroll or vendor settlement.

Institutional Advantages

By using Reah’s native on/off-ramps, your business avoids the "hidden" costs common in the crypto landscape:

• Eliminate Spread Risk: Avoid the costly foreign exchange (FX) spreads and hidden markups typically charged by centralized exchanges.

• Speed of Execution: ACH transfers typically clear in 1–3 business days, while Wires can arrive same-day or within 24 hours.

• Unified Accounting: Because the ramp is integrated, every conversion is auto-labeled and synced in real-time to your accounting software (like QuickBooks or Xero) for instant reconciliation.

On-Ramping & Off-Ramping in Practice

Reah’s zero-fee infrastructure allows businesses to move capital between traditional and digital rails without the friction or high costs of legacy exchanges.

Scenario 1: Instant Treasury On-Ramping

A software company needs to move $50,000 from their traditional business bank account into their Reah treasury to begin earning yield in a DeFi vault.

• The Process: They initiate a Domestic Wire from their bank to their Reah US Virtual Account.

• The Result: The funds arrive same-day and are reflected in their USD balance with 0% fees. By avoiding the 1–3% spread typical of centralized exchanges, the company saves up to $1,500 on the entry alone, preserving the full value of their capital.

Scenario 2: Global Vendor Settlement (Off-Ramping)

An e-commerce brand holds its operational capital in its Reah USD balance and needs to pay a US-based logistics provider $10,000 via a standard bank transfer.

• The Process: The brand initiates an Off-Ramp directly from their Reah dashboard, entering the vendor’s ACH details.

• The Result: Reah delivers the funds to the vendor’s bank account as standard USD with zero fees. Reah’s unified ledger automatically categorizes the movement and matches the outbound payment to the corresponding invoice in real-time. This data is then instantly synced to the brand's QuickBooks or Xero, ensuring the transaction is fully reconciled without any manual data entry.

Scenario 3: Strategic Liquidity Management

During a period of market volatility, an investment firm decides to move $100,000 of stablecoin profits back into a traditional "bricks-and-mortar" bank account for long-term reserves.

• The Process: The firm selects their linked external bank account and initiates a Wire Off-Ramp.

• The Result: The $100,000 is delivered as USD, typically arriving within 24 hours. Because Reah eliminates hidden markups, the firm receives the full value of their capital without losing thousands to "invisible" exchange fees.

Scenario 4: Payroll via Stablecoin Yield

A high-growth tech agency holds its primary capital in a DeFi vault on Reah to maximize its idle cash.

• The Process: On the 1st of the month, the agency off-ramps a portion of its yield and principal to its payroll provider via ACH.

• The Result: Reah’s unified ledger automatically categorizes the movement, matching the payroll run to the outbound payment in real-time. The transaction is instantly synced to their accounting software (e.g., QuickBooks), ensuring that the transition from "on-chain yield" to "employee salary" is fully reconciled without manual oversight.