Selling Crypto from SSP: The Fiat Off-Ramp Flow

Selling is not buying in reverse. It looks symmetrical in the interface — same button, same widget — but the custody story is upside down, and that difference is the whole reason this deserves its own guide.

When you buy, coins flow toward you and you sign nothing. When you sell, you sign your crypto away first and wait for the money afterwards. For a while, someone else has both.

The flow, end to end

Selling starts where buying does: the Buy / Sell button, the risk-acknowledgement gate, then the embedded provider widget. The same Onramper aggregator serves both directions — the widget simply runs in sell mode, routing you to a regulated provider that can pay out fiat in your country.

From there the steps diverge:

1. You tell the provider what you're selling and where the money should land — a bank account, a card, or an equivalent payout rail.
2. The provider runs KYC. Off-ramps are, if anything, more heavily regulated than on-ramps: this is the point where crypto turns into money in a named bank account, and anti-money-laundering rules bite hardest. Expect identity checks. They belong to the provider, not to SSP.
3. The provider gives you a deposit address — an address they control, on the chain you're selling from.
4. You send your crypto there. This is an ordinary SSP send. Nothing special happens in the protocol: you approve it in the extension, you confirm it on your SSP Key, and the 2-of-2 multisig produces a signed transaction like any other. Same flow as sending Bitcoin to a friend.
5. The provider confirms receipt on-chain, then pays out fiat. Settlement to your bank takes whatever the rail takes — often hours, sometimes days.

There is no special "sell" key path in SSP. There is no signing mode that gives a provider partial control. The off-ramp is a normal two-signature send that happens to be addressed to a company.

The window where you're exposed

Between step 4 and step 5, your crypto has left your 2-of-2 and the fiat hasn't arrived. That gap is the real risk of any off-ramp, and it's worth naming plainly rather than glossing over.

During that window you are an unsecured creditor of a business. Not of SSP — of the regulated provider that took the coins. If they freeze the payout pending a compliance review, you wait. If your bank rejects the transfer, you deal with their support. The blockchain has done its part: the transaction is final and confirmed. Everything after it is the provider's process.

This is not an argument against off-ramps. It's an argument for treating the send as what it is — an irreversible transfer to a counterparty — and behaving accordingly:

• Send to the address the provider gave you in this order, for this asset, on this chain. Deposit addresses are frequently order-specific and single-use. Reusing an address from a previous sale is a good way to lose the funds.
• Match the chain exactly. Selling USDC on the wrong network sends real value to an address that isn't expecting it there. Some providers can recover it, many cannot, and none are obliged to.
• Respect the minimum and maximum. Off-ramp orders have limits. An amount below the minimum can be treated as a dust deposit and may not trigger a payout at all.
• Verify the address on your SSP Key, not only in the browser. Your second device shows you what you are actually signing. That is the whole point of having it — a compromised extension cannot silently rewrite the destination if you actually read the screen. This is the address-poisoning and blind-signing defence in practice.
• Start small the first time you use a provider. A small sale that completes end-to-end, from send to bank credit, tells you more than any amount of reading.

What SSP does and does not do here

SSP signs. The two signatures that move your coins to the provider come from your extension and your SSP Key. Nobody can produce that transaction without both.

SSP does not custody your fiat. It never touches the money. The payout is a transfer from the provider's regulated business to your bank.

SSP does not run the KYC. Your identity documents go to the provider.

SSP does not decide whether you can sell. Whether an off-ramp exists at all for your country, currency, and asset is a function of the provider roster and their licences — and it changes. See the coverage guide in this series.

SSP cannot reverse the send. Nor can anyone. Once your 2-of-2 has signed and the network has confirmed, the transfer is final. Your recourse, if something goes wrong, is with the provider.

Selling versus swapping

If your goal is simply to get out of a volatile asset, an off-ramp is not your only option, and it's often not the fastest one. Swapping into a stablecoin inside the wallet keeps the value on-chain, in your own custody, without a bank in the loop — no KYC, no payout delay, no unsecured-creditor window with a fiat provider.

The trade-off is that a stablecoin is still crypto: it carries issuer risk and it is not money in your bank account. And the in-wallet swap has an exposure window of its own — a centralized exchanger holds your funds mid-trade.

The honest framing is that all three of these — sell, swap, DEX — trade custody for convenience in different ratios and for different lengths of time. Pick based on what you actually need at the end: money in a bank, or value parked on-chain.

The one-line summary

Buying delivers coins to an address that SSP cryptographically vouches for, and you sign nothing. Selling requires your two signatures to hand real value to a company, and then requires you to wait. Treat the second with more care than the first — and read the address on your SSP Key before you approve it.

For the fee side of both directions, see Fees and Spreads Explained. For the buy side, start with Buying Crypto Inside SSP.