# How to On-Ramp & Off-Ramp

**Crypto ⇄ Fiat. Now easier than swapping tokens.**

We’ve taken the worst part of crypto — dealing with banks — and made it simple. With Locked Money, you can move funds between your wallet (or Vault) and your bank account **in just a few clicks**.

No middleman wallet. No long delays. No support tickets. Just direct, secure, and fast movement of funds — the way it should be.

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#### 🪪 Step 1: Connect & Verify (One Time Only)

Before your first transfer, head to:\
👉 [app.locked.money/bank-transfers/sign-in](https://app.locked.money/bank-transfers/sign-in)

1. **Sign in with your wallet**
   * Works with MetaMask, Rabby, and others
   * Or use your **Locked Money Vault** for extra protection
2. **Pass a quick KYC**
   * Takes just minutes — not days
   * Minimal info required
   * Add your **bank account details** so they’re saved for future transfers

Once that’s done, you’re in. No repeat KYC unless something changes.

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#### 💸 Bank → Crypto (On-Ramp)

Want to top up your crypto? Here’s how:

1. Go to **Banking → On-Ramp**
2. Enter the fiat amount and select your currency
3. You’ll receive bank transfer instructions
4. Send the funds from your bank
5. Your crypto arrives *directly* into your wallet or Vault

> ⚠️ No need to deposit to a third-party wallet. It goes straight to you.

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#### 🏦 Crypto → Bank (Off-Ramp)

Want to withdraw to fiat? Easy:

1. Go to **Banking → Off-Ramp**
2. Select the crypto to convert
3. Choose your payout currency and amount
4. Confirm your saved bank info
5. Send your crypto → get fiat in your account

> ⚡ Most transfers settle faster than standard bank wires.

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#### 🔒 Use a Vault for Extra Peace of Mind

Your Vault =\
✔️ Multi-signature\
✔️ Seedless\
✔️ AI co-signer (coming soon)

For larger transfers or pro users, Vaults offer deeper protection — and soon, your AI will review and co-sign every off-ramp.

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#### 🥧 Seriously — It's Easy as Pie

* No centralized custody
* No support tickets
* No wondering if it “went through”

It’s not just faster than CEX off-ramps —\
it’s simpler than most **bank-to-bank** transfers.

Welcome to frictionless finance.\
This is how crypto <> fiat was meant to be.