# The poll that made us spiral: on and off-ramps

> The Stellar Development Foundation explains why on and off-ramps are critical infrastructure for crypto adoption, highlighting how they enable conversion between fiat and digital currencies. SDF emphasizes that accessible ramps are essential for financial inclusion, especially for the 2 billion unbanked workers globally who rely on cash.

**Metadata**

- Published: 2023-06-16
- Author: Stellar Development Foundation
- Original publisher: `stellar.org`
- Original article: https://stellar.org/blog/foundation-news/the-poll-that-made-us-spiral-on-and-off-ramps
- Tags: Financial Inclusion, Payments, Emerging Markets

## Summary

SDF published an explainer on on and off-ramps, the infrastructure that converts between fiat currency and crypto. The post clarifies that on-ramps enable fiat-to-crypto exchanges while off-ramps enable crypto-to-fiat conversions, solving the fundamental problem of moving value between traditional and decentralized financial systems. SDF notes that current ramp infrastructure remains fragmented and inaccessible to most of the world's unbanked population, particularly the 2 billion informal economy workers who lack bank accounts and credit cards. The foundation argues that for crypto to democratize finance, ramp infrastructure must serve everyone, from rural regions to cash-dependent populations. SDF announced plans to dedicate upcoming content to discussing how the ecosystem is addressing on and off-ramp challenges.

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*Source: https://lumenloop.com/news/poll-made-us-spiral-ramps*