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\section{Fiat Off-Ramps}
\label{sec:offramp}
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Merchants requiring fiat settlement receive automated off-ramp
processing:
\begin{enumerate}[leftmargin=1.4em]
\item Crypto payments accumulate in the merchant's MPC settlement
wallet as USDC.
\item At configurable intervals (hourly, daily, or threshold-based),
the settlement service initiates an off-ramp.
\item USDC is redeemed through Circle's institutional redemption
channel or converted via a regulated exchange partner.
\item USD wire transfer sent to the merchant's verified bank account.
\item End-to-end: crypto payment to bank deposit within 24 hours.
\end{enumerate}
For merchants comfortable holding USDC, the off-ramp step is skipped
and settlement completes on-chain.
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