How can I convert cryptocurrencies into real money? What options do I have?

So you remembered those bitcoins you bought when they were worth almost nothing. Right now, September 2025, Bitcoin is around $180,000. It seems like the perfect time to cash them out, doesn't it?

People want to exchange crypto for traditional money for many reasons. Some seek profits. Others need to pay bills. Or maybe you just want to rearrange your investments.

Let's see how you can turn those cryptocurrencies into money you can use:

Crypto On-Ramps and Off-Ramps

They are quite popular platforms. They have mobile apps and integrate with hundreds of Web3 applications.

Speed. Simplicity. Security. You register once, verify your identity and that's it. After that, you can use them from any compatible app.

They support many different digital tokens. The funds go directly to your bank, card, or even Google Pay. Sometimes the money appears within minutes. Quite impressive.

They do not hold your funds. This means they do not retain either your crypto or your money, which seems safer.

Peer-to-Peer Services

Here you deal directly with people. No intermediaries.

You look for buyers on the platform. You choose one. You indicate how much crypto you want to sell. If they accept, your coins go into a custody contract while you receive the payment in your account. You could also meet in person if you prefer to see the face of the person buying from you.

Watch out for the fees. You will lose between 3% and 4% of the value. And there are scammers, of course. Research well before making deals.

Crypto ATMs

They are like regular ATMs, but for crypto. You can find them in shopping malls, stores, airports.

You use your private key or scan a code. They work even without the internet, which is useful.

The problem? Not everyone accepts lesser-known tokens. And the fees... are not exactly cheap. Moreover, in some areas they are hard to find.

OTC Trading (Over-the-Counter)

It's like the black market, but legal. Direct transactions between parties, without going through public exchanges.

Ideal for large amounts. If you are a "whale" of crypto or have a lot of money, this is for you. Total discretion.

You do not affect market prices and can negotiate terms. But you pay higher fees and there is less transparency. And if you only have a few coins, don't even try.

Crypto Debit Cards

These are interesting. You don't withdraw the money, you spend it directly.

Your card connects to your crypto account. You pay at any store and the system automatically converts your cryptocurrencies into real money. Instant.

It's super convenient, but it charges for the conversion. And it has limits. You can't always withdraw cash directly.

Conclusion

The crypto world has grown quite a bit by 2025. The exit ramps dominate due to their ease of use.

P2P services are more direct. ATMs provide physical access. OTC for the big players. And cards to spend without converting first.

Each method has its charm and its drawbacks. Choose according to what you need. Technology is advancing quickly, almost as fast as the price of Bitcoin these days.