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Mistakes wallets make when designing their on-ramp flows
Common UX flaws in wallets onramping flows.
When it comes to fiat on-ramping, UX is king. And while the UX of ramps providers certainly leave a lot to be desired - UI bugs, mediocre card conversion, clunky Know-Your-Customer processors - there’s also a lot that’s in control of the wallets that integrate these services.
Currency localization
Imagine going to a webstore where products are denominated in the wrong currency. You’ll think “this isn’t for me” and leave.
Yet across the top cryptocurrency wallets, it is common for fiat currencies to not be localized. In fact, in most of the top 10 wallets in the space, I had to manually try and find a way to change the fiat currency.
Some will argue that lack of localization of fiat currencies exists for privacy reasons. But users looking to buy crypto with fiat have to go through Know-Your-Customer (KYC) anyway, which includes filling in their physical address - and often even uploading their passport.
Of course, whether a ramp provider’s services can even be used depends on both fiat currency and country support, so providing a list of ramp options without localisation just results in sending users down dead paths.
Default amounts
In a number of wallets - including leading wallets like MetaMask and Phantom - the default amount displayed is 0. Have you ever wanted to buy $0 worth of cryptocurrency? Probably not.
So how should we think about default amounts?
In my view, the best way to approach default amounts is to use a round number that is higher than the median purchase.
This median changes from country to country, as the average transaction amount in Nigeria, for example, will be lower than in the United States. Therefore, the median should be determined on a country-by-country basis.
The amount displayed should adjust depending on the fiat currency, as at the time of writing every dollar is worth 1577 Nigerian Naira (not a very round number).
Payment method choice
Ask people from the Netherlands, India, Nigeria, the United States and the Philippines which payment methods they want to use to buy crypto, and each will give an entirely different answer.
Yet, the majority of the top cryptocurrency wallets do not support most of the payment methods that will be mentioned.
Other wallets have created flows with ramp providers that support many APMs, without creating a “payment method” selector. This results in the user not being able to compare the difference in price between payment methods.
In addition, any onramp provider that has more than 10 payment methods will be able to tell you how this quickly results in integrations becoming outdated, with the list of payment methods displayed to the user not reflecting what is actually supported (see below).
Payment method localization
For those wallets that do have a range of local payment methods enabled, credit cards are often selected as the default option, despite cards having notoriously bad conversion rates when it comes to buying cryptocurrencies.
Needless to say, it is important to localise payment methods and recommend the best payment methods to users (so important, in fact, that I’ve dedicated a separate article about it here).
Closing thoughts
It is time for us to build flows users enjoy. Next week I will cover on-ramp selection in part 2 of this series.
I invite everyone - client or not - to have OnRamper analyze your app. We’ll do a free analysis to identify the good, the bad, and the ugly. Schedule a call via the link above and reply with: "Please analyze my current setup."
Other articles
Axiom Partners with Onramper to Power Seamless DeFi Trading
With Onramper, Axiom users around the world can top up BNB and SOL with 130+ payment methods including Apple Pay and Venmo.
AMSTERDAM, December 4, 2025 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, announced a partnership with Axiom, the Y Combinator-backed Solana-based trading platform, to deliver one of the fastest and most seamless trading experiences in DeFi. Through this integration, Axiom users worldwide can instantly top up BNB and SOL using more than 130 payment methods, including Apple Pay, Google Pay, Venmo, debit and credit cards, and localized options across 190 countries.
Axiom has quickly become one of the top trading platforms in the Solana ecosystem, offering access to memecoins, perpetuals, and yield strategies. In October 2025, the platform made history as the fastest crypto company to reach $300 million in revenue. Through its collaboration with Onramper, Axiom is offering users a simple, fast way to onboard and begin trading on Solana.
“Our job is to simplify the way users move from fiat into crypto,” said Thijs Maas, CEO of Onramper. “By offering a wide range of trusted, localized payment options, we ensure that users can onboard quickly and compliantly. We’re thrilled to support Axiom as they scale the next generation of DeFi on Solana.”
Onramper’s network supports more than 130 payment methods and enables crypto purchases across 190+ countries. Its routing engine recommends the best available conversion in real-time, maximizing the chances of a successful transaction and helping users receive the most crypto for their fiat.
“We’re delivering an onchain trading experience that is fast, global, and intuitive,” said Henry Zhang, Co-Founder and CEO of Axiom. “Integrating Onramper strengthens that experience by giving users a reliable way to move from fiat to crypto and access onchain liquidity.”
Onramper continues to lead the onramp aggregation space, connecting more than 30 global fiat gateways and supporting over 2,000 digital assets, driving greater accessibility and inclusivity across Web3.
To learn more, please visit onramper.com and axiom.trade.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for dynamically routing fiat-to-crypto onramp flows based on algorithms optimizing for conversion, fees and payment methods. Onramper’s platform allows users of clients to buy 2000+ digital assets, in over 190 countries with over 130 payment methods in 120 currencies, with advanced routing options and unified analytics. The company is based in the Netherlands. To learn more about Onramper, visit www.onramper.com.
About Axiom
Axiom is a trading platform designed to be the only application you need to trade onchain. It offers a suite of integrations that allow users to trade the hottest assets, all in one place.
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Zengo Enters Partnership with Onramper to Unlock Global Crypto Access
Collaboration will power 130+ payment methods across LATAM, SEA, Africa, and more, simplifying fiat-to-crypto onboarding worldwide
AMSTERDAM, Nov. 5, 2025 /PRNewswire/ -- Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a partnership with Zengo Wallet, the most secure self-custodial crypto wallet trusted by millions, to expand global payment access for users.
Through this collaboration, Zengo users can now buy crypto through Onramper at the most competitive fees available, starting at just 2% for Zengo Pro users. The integration supports more than 130 local payment methods, streamlining purchases across key markets in Latin America, Southeast Asia, and Africa.
The partnership also enables a seamless onboarding flow for first-time users, while returning users are automatically directed back to their preferred payment providers–delivering a faster, more intuitive, and personalized experience.
“Access to crypto should not depend on where you live or which payment method you use,” said Thijs Maas, CEO of Onramper. “By partnering with Zengo, we’re removing the barriers that have limited participation in Web3, especially in regions with high demand but limited infrastructure. Together, we are making it easier for anyone, anywhere, to enter the crypto economy safely and efficiently.”
This partnership reinforces Zengo’s mission to make crypto ownership simple and secure, particularly in emerging markets where local payment coverage is key to adoption. By integrating Onramper’s technology, Zengo users will enjoy smoother onboarding, lower fees, and a more consistent purchasing experience, whether they are new or returning customers.
“At Zengo, our goal is to provide secure and low-cost access to any type of digital asset for individuals and businesses,” said Ouriel Ohayon, co-founder and CEO of Zengo. “Through our partnership with Onramper, we’re expanding global access to crypto and stablecoins with a faster, cheaper, and wider selection of payment methods anywhere, anytime.”
Integrating local payment methods across multiple regions has long been a complex and resource-heavy process for crypto platforms. Onramper’s aggregation technology removes this barrier by unifying both global and local onramps within a single API, giving partners instant access to the world’s most comprehensive fiat-to-crypto infrastructure.
Onramper continues to lead the onramp aggregation space, connecting more than 30 global fiat gateways and supporting over 2,000 digital assets in more than 190 countries, driving greater accessibility and inclusivity across Web3.
To learn more, please visit onramper.com and zengo.com.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for dynamically routing fiat-to-crypto onramp flows based on algorithms optimizing for conversion, fees and payment methods. Onramper’s platform allows users of clients to buy 2000+ digital assets, in over 190 countries with over 130 payment methods in 120 currencies, with advanced routing options and unified analytics. The company is based in the Netherlands. To learn more about Onramper, visit www.onramper.com.
About Zengo Wallet
Zengo Wallet is the most secure self-custodial crypto wallet, trusted by over 2 million individuals and businesses in 180+ countries. Since 2018, no Zengo wallet has ever been hacked. Zengo Pro includes advanced features like Bitcoin Vaults, an inheritance-style feature, and now, heavily discounted fees on purchase. Powered by MPC cryptography, Zengo has no seed phrase vulnerability and is backed by Insight Partners, Tether, and other leading investors.
For media enquiries, contact:
Trust Wallet Joins Forces with Onramper to Drive Global Expansion
Through Onramper, Trust Wallet will introduce 175+ local payment methods and reach users across key markets
AMSTERDAM, Oct. 28, 2025 — Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a partnership with Trust Wallet, the world’s leading self-custody Web3 wallet, to significantly expand local payment options for crypto users worldwide. Trust Wallet will leverage Onramper’s technology to provide its 210+ million users with an enhanced onboarding experience, offering localized coverage and a broader set of payment methods.
Through this partnership, Trust Wallet users will be able to purchase crypto across 190+ countries and 130+ local payment methods, benefiting from Onramper’s advanced routing engine that automatically identifies the best available onramp provider in real time. This ensures faster, more reliable transactions — and maximizes how much crypto users receive for their fiat.
Integrating multiple local payment providers across regions is often a complex and resource-intensive process for crypto platforms. Onramper simplifies this challenge by aggregating alternative payment methods into a single API, allowing partners to instantly provide users with a wide range of fiat-to-crypto options through one streamlined integration.
“Our mission has always been to make access to crypto simple, local, and inclusive,” said Thijs Maas, CEO of Onramper. “Partnering with Trust Wallet brings us closer to that vision, combining our aggregator technology with one of the largest wallets in the world to help millions of users onboard seamlessly, no matter where they are.”
The integration unlocks new access to key growth regions including Indonesia, India, and Nigeria, where local payment coverage is essential to broadening participation in Web3. Trust Wallet will also adopt Onramper’s industry-leading data infrastructure for in-depth product and onboarding analytics to further improve user onboarding.
“At Trust Wallet, our goal is to make crypto access as seamless and local as possible for everyone. Expanding local payment coverage is key to unlocking that access. Now users can fund their wallets instantly using familiar local methods, whether through cards, bank transfers, or systems like UPI, VietQR, or M-Pesa. It’s a big step toward making Web3 simpler, faster, and more inclusive for people everywhere,” said Eowyn Chen, CEO of Trust Wallet.
Onramper recently announced that it has integrated 30 onramps into its global network, strengthening its position as the leading aggregator in the industry and advancing its mission to make crypto access simple and inclusive.
To learn more, please visit onramper.com.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for dynamically routing fiat-to-crypto onramp flows based on algorithms optimizing for conversion, fees and payment methods. Onramper’s platform allows users of clients to buy 2000+ digital assets, in over 190 countries with over 130 payment methods in 120 currencies, with advanced routing options and unified analytics. The company is based in the Netherlands.
To learn more about Onramper, visit www.onramper.com.
About Trust Wallet
Trust Wallet is the secure, self-custody Web3 wallet and gateway for people who want to fully own, control, and leverage the power of their digital assets. From beginners to experienced users, Trust Wallet makes it easier, safer, and convenient for millions of people around the world to experience Web3, access dApps securely, store and manage their crypto and NFTs, as well as buy, sell, and stake crypto to earn rewards — all in one place and without limits.
For media enquiries, contact:
