Spritz Finance

Spritz Finance is a regulated crypto payments superapp that converts on-chain assets into real-world purchasing power, enabling users to pay bills, off-ramp to bank accounts, on-ramp from banks, and spend via a Visa card across 14 blockchains and 31 plus countries. Most people hold crypto but the everyday financial system runs on fiat. Spritz bridges that gap without requiring a centralized exchange or DeFi expertise. From a connected wallet, users can pay credit card balances, mortgage payments, student loans, and utility bills; withdraw crypto to a bank account; buy crypto from a bank; or load a Visa card for contactless spending anywhere Visa is accepted. The platform supports 50,000 plus tokens and integrates with 6,000 plus payees covering credit cards, loans, utilities, and subscription services. The Spritz Card is accepted in 140 plus countries. Bill payment runs through Method Payments API connecting to 5,000 plus financial institutions. Linking an account with just a phone number lets Method retrieve outstanding balances, due dates, and payoff amounts in real time without per-lender credential entry. Spritz converts the crypto and Method disburses the payment. KYC compliance is embedded in the flow and the system monitors for new liabilities continuously to enable recurring auto-pay. Off-ramping carries a flat 0.5 percent fee. Same-day ACH launched in May 2026. Real-Time Payments went 24/7 including weekends in April 2026. Daily limits start at 150,000 USD. On-ramping from a linked US bank account at 1 percent fee launched in June 2026 with recurring automated buys up to 1 million USD per cycle. The Spritz Card launched in physical form in November 2025 expanded internationally to 140 plus countries in June 2025 and integrates with Apple Pay and Google Pay. Spritz supports Solana natively with Phantom and Solflare wallet connectivity. Solana users can pay bills directly with SPL tokens off-ramp SOL to a bank account and on-ramp fiat back into the Solana ecosystem. The platform operates across 14 blockchains: Bitcoin, Solana, Ethereum, Polygon, Arbitrum, Avalanche, Base, Binance Smart Chain, Dash, Optimism, Sui, TRON, and XRP. Co-founders Chris Sheehan and Shiliang Tang previously built WorldClover through Y Combinator backed by Index Ventures. Tang also served as CIO of Ledger Prime. The company raised 2.5 million USD in pre-seed funding from Sandeep Nailwal of Polygon, Balaji Srinivasan former CTO of Coinbase, Aaron Harris of Y Combinator, Diogo Monica of Anchorage Digital, and Sam Hodges of Lending Club and Vouch. The Spritz SDK lets wallet developers embed crypto-to-fiat off-ramp in one to two weeks and one disclosed client has processed over 2 million USD through the Spritz rail. Spritz is a US C Corporation registered with FinCEN and licensed as a Money Services Business and Money Transmitter. No public smart contract audit reports exist consistent with the platform operating as an off-chain fintech. For Solana users Phantom and Solflare integrations provide a direct path from wallet to real-world financial obligation and the SPRITZPOINTZ rewards layer adds incentive to route through Solana. As of mid-2026 Spritz operates a full-stack crypto-to-fiat spending layer with physical card 24/7 real-time bank transfers bank-linked on-ramp and bill pay across 6,000 plus payees.