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Why you should not rank onramps based on fees
Why Priced-based ranking is not the best choice?
Price-based ramp ranking sounds logical—cheaper is better, right?
Wrong. This approach is deeply flawed, and it’s hurting your platform more than you realize. Why?
Because ramp providers are gaming the system.
They know that by initially offering the lowest price, they can move to the top of your list. But here's the kicker: once they’ve secured the transaction, they hike the price during the transaction flow, leaving your users to pay more than they bargained for.
It’s an all-too-common occurrence. In fact, if you’re a top-tier wallet, it’s happening to you right now, and it’s probably being done by multiple ramp providers.
At Onramper, we call this sneaky practice “quote spoofing”, and it’s been happening across the industry for years.
Here’s how you can check if this happens in your app:
- Enter an amount of fiat to buy for, and go to the ramp comparison screen.
- Write down the amount of crypto offered by each ramp provider, and open all onramp widgets.
- Click-through to the end of the transaction in each widget, and write down the final crypto received.
- Compare the amounts from step 1 and step 3.
Trust erosion and lost users
What’s the real impact of quote spoofing? First and foremost, it breaks trust.
Your users come to your platform expecting transparency and the best experience to access crypto. But when they see prices increase mid-transaction, they feel deceived. Shattered trust isn’t easy to repair.
As conversion rates drop, so does your onboarding volume. That’s a direct hit to your growth, all because price was prioritized over actual conversion rates and user experience.
What’s worse, this practice doesn’t just frustrate users—it also makes their transactions more expensive, which pushes them away even more.
Most ramp providers have been guilty of quote spoofing at one time or another. It’s not because they’re inherently bad actors, but rather because price-based ranking encourages this behavior.
The problem is systemic. Perverse incentives force ramp providers to prioritize getting picked over being transparent. To insiders, it is a known problem, and one that Onramper has been tackling for years.
Onramper Terminal: A window into the problem
Onramper's clients have been made aware of this practice for a long time. Thanks to the Onramper Terminal, they have insights into the accuracy of quotes and effective fees, giving them the information they need to prevent quote spoofing.
The Onramper Terminal shines a light on the murky tactics some ramp providers use, providing your platform with the data needed to call them out or change routing for bad actors.
In the Fee Transparency Dashboard that comes with Onramper Enterprise, for example, you get perfect insight into ‘quote accuracy’, showing exactly which ramp providers are guilty of quote spoofing in your ramps marketplace and by how much.
The Onramper Terminal also gives you visibility into how ramps are actually performing. Instead of just relying on price, you can see metrics on quote accuracy, conversion rates, payment authorization rates, and payment methods across your entire ramps stack.
This allows you to offer your users an experience that’s not only fair but also optimizes for successful transactions.
User loss = lower conversions
Here’s the bottom line: relying on price alone to rank ramps is costing you. It's ripping off your users and results in ramp providers gaming the system and sub-optimal UX.
When users abandon transactions halfway through because of price spikes, your conversion rates plummet.
Onramps offering lowball quotes just to get picked initially, only to increase prices later, results in more than just bad user experience—it results in fewer completed lifetime transactions.
And the fewer transactions that go through, the fewer users you onboard. In short, it’s the opposite of what your platform needs.
Moving beyond price-based ranking
So, what’s the fix?
It’s simple: rank based on more factors than price alone. Platforms that include other metrics, like expected success rates, KYC friction, and payment method compatibility alongside price see higher user satisfaction and better conversion rates.
Imagine offering your users the best onramp for their specific situation, not just the one offering the lowest (and often misleading) quote.
The result? A better experience for your users and higher completion rates for you. Onramper is leading the charge by providing advanced onramp routing based on pricing, success rate data and user-friction.
The best part? Our onramp recommendations boost your conversion rates beyond what you think is possible. (More on this in next week’s post!)
Curious to your thoughts,
Thijs
thijs@onramper.com
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Onramper Integrates Ramp Network to Expand Global Crypto Payment Options
Onramper, the leading fiat-to-crypto onramp aggregator, has integrated Ramp Network, expanding its network of onramps and improving how users worldwide buy and sell digital assets.
Onramper, the leading fiat-to-crypto onramp aggregator, has integrated Ramp Network, expanding its network of onramps and improving how users worldwide buy and sell digital assets.
Through this partnership, Onramper clients instantly gain access to Ramp Network’s fast, compliant, and high-conversion payment flows without any additional development work. Businesses using Onramper can now offer lightning-fast purchases across major payment methods, including cards, Apple Pay, Google Pay, Revolut Pay, Pix, and instant bank transfers, all through a single API.
The collaboration also unlocks additional token listing opportunities for Onramper’s token listing support, providing even more flexibility and coverage for partners and their users.
The rollout of Ramp Network within the Onramper ecosystem will begin soon on a client-by-client basis. Existing Onramper partners will automatically gain access to Ramp Network without needing to make any changes to their setup.
“Ramp Network’s focus on speed, compliance, and user experience makes them a perfect addition to our network,” said Thijs Maas, CEO of Onramper. “This partnership gives our clients even more ways to connect users to crypto.”
“We’re aligned with Onramper in our mission to remove barriers to Web3 access,” said Przemek Kowalczyk, CEO and Co-Founder of Ramp Network. “This collaboration is a win for users, businesses, and the broader crypto ecosystem, offering faster, safer, and more flexible payment flows worldwide.”
The partnership strengthens Onramper’s aggregated network, enhancing coverage, conversion, and payment diversity through a single, unified connection.
To learn more, visit onramper.com and rampnetwork.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 Ramp Network
Ramp Network is a global onramp and offramp provider offering secure, compliant, and user-friendly fiat-to-crypto payment solutions. With support for 110+ tokens across more than 40 blockchains, Ramp Network enables users to buy, sell, and swap crypto instantly using cards, Apple Pay, Google Pay, bank transfers, Revolut Pay, Pix, and other local methods.Its intuitive design and one-tap checkout experience make crypto purchases fast and frictionless, while strong regulatory compliance ensures safety and trust for users around the world.
Wello Joins Onramper’s Network to Expand Crypto Onboarding in Nigeria
Collaboration strengthens Onramper’s Nigerian payment rails for all partners
December 19, 2025 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, announced that it has integrated Wello, a global fiat on- and off-ramp provider, to increase crypto accessibility in Nigeria. By integrating with Onramper, Wello’s localized payment rails will reach a wider audience, beginning with Nigeria and expanding across Asia. This partnership is part of the broader plan to bring stablecoin-powered payments to local markets around the world.
Nigeria remains one of the most active crypto markets globally, but ensuring reliable and high-performing fiat-to-crypto rails in the country remains a challenge. By incorporating Wello’s localized infrastructure, Onramper strengthens its presence in the region and delivers smoother, more successful conversion paths for every partner operating in Nigeria.
“Wello will strengthen the global coverage of our aggregation engine,” said Thijs Maas, CEO of Onramper. “Its dependable and deeply localized infrastructure gives our partners, and their users, the onboarding experience they expect, in Africa and beyond.”
Wello brings strong regional expertise across Africa and the Middle East, with payment rails designed for fast-growing, high-adoption crypto markets. Its localized approach reduces failed transactions and improves uptime for Nigerian users.
Onramper continues to lead the onramp aggregation space, connecting more than 30 global fiat gateways and supporting over 2,000 digital assets. All partners integrated with Onramper will automatically gain access to Wello’s rails, unlocking improved payment methods, stronger reliability, and broader coverage in Nigeria without requiring any technical changes.
“Our goal is to build dependable stablecoin payment rails for users around the world,” said Helen Hai, Co-Founder at Wello. “Partnering with Onramper makes our infrastructure available to more wallets, exchanges, and platforms, unlocking a smoother, more efficient onboarding experience.”
Onramper’s global network supports more than 130 payment methods across 190+ countries. Its smart routing engine recommends the best available conversion in real time, maximizing the likelihood of a successful transaction and helping users receive the most crypto for their fiat.
To learn more, please visit onramper.com and wello.tech.
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 170 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 Wello
Wello brings real utility to stablecoins. With compliant fiat on/off ramps, instant QR payments, and cross-border settlement. Wello’s mission is to bridge Web3 with real-world payments, empowering people to send global, spend local, effortlessly.
HaHa Wallet Partners with Onramper to Expand Access to the Monad Ecosystem
Partnership follows Monad Mainnet launch to unlock global onboarding
AMSTERDAM, Dec. 17, 2025 — Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a strategic partnership with HaHa Wallet, next-generation, Monad-native crypto wallet, to broaden global accessibility for users engaging with Monad ecosystem.
Through the integration, HaHa Wallet users can now buy crypto using over 130 local payment methods across 190+ countries, benefiting from competitive rates and optimized fees. Following the launch of Monad’s public Mainnet in November 2025, the partnership makes it easier for users worldwide to enter Monad and begin trading, bridging, and exploring dApps.
HaHa Wallet has quickly become a leading gateway into Monad, offering a fast, intuitive, and reward-driven user experience. With Onramper’s global payments coverage and smart routing engine, users can move from fiat to crypto in just a few clicks and start interacting onchain.
“Realizing Monad’s full potential depends on frictionless onboarding,” said Thijs Maas, CEO of Onramper. “Our partnership with HaHa Wallet brings trusted, localized payment access directly into the Monad ecosystem. Together, we’re making it easier than ever for people everywhere to get started on Monad.”
Monad’s unique architecture enables parallel transaction execution, delivering faster speeds, quicker finality, and lower fees without sacrificing decentralization. Combined with Onramper’s global payment infrastructure, HaHa Wallet provides users with a streamlined entry point into Monad’s high-performance blockchain environment.
“Our focus is building the simplest possible entry point into the Monad Ecosystem,” said Mu Li, founder of HaHa Wallet. “Integrating Onramper allows us to offer trusted local payment methods, helping users get onchain quickly and confidently, no matter where they are in the world.”
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 haha.me
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 HaHa Wallet
HaHa Wallet is the Monad native, high performance smart wallet built to maximise how users earn and participate on chain. Purpose built for Monad’s low latency, parallel execution environment, HaHa delivers lightning fast swaps, deep native integrations with Monad dApps and ecosystem campaigns, and seamless access to multiple EVM chains through a single non custodial experience. Users earn Karma for meaningful on chain activity, unlocking rewards, ecosystem access, and future HaHa token utility, positioning HaHa Wallet as the primary consumer gateway to Monad and a rewards driven hub for Web3 participation.
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