Fiat-to-crypto, simplified & scaled
One integration. Global payment coverage. Let your users convert between fiat and digital assets effortlessly—across EUR, USD, and GBP—through one secure and compliant API.
Built for modern fintechs
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Unified payment rails
One integration covers SEPA, SWIFT, FPS, and card rails—no need to manage multiple providers.
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Multi-asset support
Offer stablecoins like USDC and EURC, plus ETH, across Avalanche, Base, Ethereum, and Polygon.
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Intuitive UX
Abstracted user flows that remove blockchain complexity from your frontend.
All the rails, one integration
Return Finance gives your platform access to a full suite of fiat-to-crypto and crypto-to-fiat flows through a single, streamlined API. Users can on-ramp from EUR, USD, or GBP into USDC using SEPA, SWIFT, FPS, or card payments—including Apple Pay and Google Pay. Off-ramping is just as seamless, with USDC payouts available via bank transfers across the same rails, as well as integrated support for wallet-based withdrawals through partners like Revolut.
Tech abstraction built-In
Return removes the heavy lifting from building fiat-to-crypto infrastructure. Everything from fiat conversions and crypto transactions to wallet orchestration and cross-chain routing happens behind the scenes—so your users enjoy a seamless, intuitive experience without needing to understand what’s happening on-chain. Whether they’re depositing from a bank account or withdrawing to one, all the complexity is abstracted behind a single API layer, reducing your development overhead and allowing you to focus on your product—not protocol maintenance.
Use cases that scale
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FX platforms
Let users deposit or withdraw in stablecoins while abstracting away asset conversion complexity.
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Treasury tools
Enable seamless allocation into yield-generating crypto assets from traditional fiat accounts.
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Payment gateways
Accept fiat payments and deliver payouts in crypto—or vice versa—without touching the chain yourself.
Compliant by design
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VASP-authorized in the EU
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VQF member in Switzerland
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KYC, KYB, KYT, Travel Rule integration
Unlock more with Return
Complement your payments and liquidity stack with additional DeFi-native infrastructure from Return.
Our technology partners
Supported networks
The Return Finance API supports all EVM-compatible networks.
Frequently Asked Questions
How is does yield generation work on DeFi?
Return Finance employs two distinct strategies. For stablecoins, yield is generated by supplying liquidity to lending and borrowing protocols and by capturing LP rewards. For ETH, yield is earned through staking via the Lido protocol.
What blockchains and protocols does the Return Finance API support?
The Return Finance API currently supports earning opportunities on Ethereum, Avalanche, Base, and Polygon. Our selection criteria prioritize protocols with high total value locked (TVL) and sustainable economic models. Supported protocols include Lido, Aave, MakerDAO, Ethena, and BENQI.
Do I need to manage separate integrations for each blockchain?
No — the Return Finance API abstracts away protocol and chain-specific complexity. You integrate once and gain access to multiple blockchains via a unified interface.
What currencies does Return Finance support?
Return Finance currently supports fiat on- and off-ramps for EUR, USD, and GBP as well as crypto transfers for USDC, EURC, and ETH.
Is the Return Finance contract audited?
Yes — all Return Finance smart contracts have been audited by weiChain, a trusted name in Web3 security. For full transparency, you can review the audit reports here: https://docs.return.finance/audits
How long does it take to integrate the Return Finance API?
Most teams are able to complete a basic integration within a few hours using our SDKs and prebuilt examples. Full production rollout timelines may vary depending on the product scope.
Where is Return Finance regulated and what licenses do they hold?
Return Finance is authorized as a Virtual Asset Service Provider (VASP) in the European Union and is a registered member of the Financial Services Standards Association (VQF) in Switzerland.