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Why you should not rank onramps based on fees - Part II
Why Priced-based ranking is not the best choice?
Price-based on-ramp ranking hurts your user experience. In Part I we covered how ramps lure users with low quotes, only to raise fees mid-transaction and drive them away.
But the problem runs deeper.
Not all ramps are created equal
Price-based ramps marketplaces assume that conversion from ramp to ramp is similar. Nothing could be further from the truth.
The sad reality is that ramps transactions fail more often than not.
Credit cards get declined, bugs cause delays and rejections, and KYC friction results in users giving up mid-transaction.
Pushing users to the ramp that is cheapest is like sending drivers down the shortest road without checking for speed limits and traffic jams. Sure, it may seem like a good idea, but the delays and traffic jams are likely to cost both the user and the ramps provider in the end.
It’s all about conversion
It's not just about who offers the lowest quote—it's about who can deliver results. In an industry where trust is everything, failed transactions create frustration, and frustration creates churn.
When a user’s credit card is declined or they abandon the transaction process due to a poorly designed interface, you've lost more than a completed transaction—you’ve likely lost a customer.
A ramp might rank at the top of your ranking because of low fees, but if only 50% of users complete their purchases, the real cost is steep—up to 50% in lost revenues.
What if there’s a ramp that has lower fees, but does not engage in questionable pricing tactics that break user trust? Or what if there’s a ramp with a 75% success rate but doesn’t get used because it is slightly more expensive?
A successful user experience should select the ramp with the highest conversion rate, the least friction in KYC, and the smoothest user flow.
Comparing the ‘average’ vs the best ramp
When comparing ramps, it’s crucial to look beyond just the price.
The best-performing ramps, those that consistently convert transactions, have a much higher success rate. For example, while the lowest-priced ramp may convert at an average of 50%, the top-rated ramp by conversion might achieve Y%. That’s a 50% boost in completed transactions, which directly translates to increased revenue and happier users.
The image above illustrates the stark difference between selecting a ramp based on conversion rates versus selecting one based purely on price. The choice is clear: better performance drives better results, and that’s what keeps users coming back.
The danger of not understanding returning users
It's simple math: the more successful ramp transactions, the more users are onboarded. These same users will come back and use dApps, staking swaps, and so on. The best ramp isn’t the cheapest—it’s the one that keeps users coming back.
Imagine you are a user, who has previously bought crypto through a ramp in your wallet. If suddenly another ramp has become cheaper than the ramp they used previously, you are forcing that user to sign up and go through KYC all over again.
Returning users convert more than 5x better than new users, but only when sent to the right ramp!
Moving beyond price-based ranking means understanding which ramp to recommend to each individual user. For returning users, this means recommending or labeling the ramp they have previously used in order to make checkout as easy as possible!
Why Onramper's ranking system is different
Onramper’s ranking system doesn’t fall into the price trap. It evaluates ramps based on many real-time performance metrics:
- Conversion rates
- Transaction success
- Returning users
- Pricing
- User experience
This approach ensures your users are routed to the ramp that’s most likely to provide a smooth, successful transaction.
Some clients use our ramp aggregation APIs to get quotes, while others use them to identify the highest-converting ramps. But the best implementations use our APIs to make use of our intelligent ranking system.
By intelligently ranking ramps based on what actually matters, Onramper helps you deliver better results, reduce user frustration, and improve retention. The difference? Your users aren’t just clicking on the cheapest quote—they’re completing transactions.
In Part 3 of this series, we’ll dive into how Onramper’s ranking works in greater detail.
Ready for a change?
If you want to dive deeper into how Onramper can increase both your ramp coverage and conversion to offer a superior user experience, schedule a chat with our team today.
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Umbra integrates Onramper to power private crypto access and payroll
Buy crypto with fiat and get paid in crypto — all without compromising your on-chain privacy.
We're excited to announce that Umbra has integrated Onramper, bringing private fiat onramping and crypto payroll to users directly inside the Umbra app.
Umbra is a privacy-first wallet built on Arcium's MPC encrypted execution engine and zero-knowledge proofs. It lets users send and receive crypto without exposing their financial activity onchain. Every transaction is designed to keep the sender, recipient, and transaction history private by default, giving users the kind of financial discretion that traditional finance takes for granted but that most crypto wallets still lack.
Buy crypto privately, in your currency
Umbra users can now buy crypto with fiat across 24 major currencies without leaving the app. Onramper aggregates the best onramp providers globally and automatically routes each transaction to the most competitive option based on location, payment method, and availability. Users get better rates and access to local payment methods, all inside a single, streamlined flow. The funds land directly in a wallet that is private by default.
Get paid without the exposure
Umbra Payroll, powered by Onramper, solves a problem that has no clean solution elsewhere. Users can receive crypto payroll and offramp directly to their bank account without linking that withdrawal back to their main wallet. On-chain activity and bank account details stay disconnected. For anyone who wants to be paid in crypto without compromising their financial privacy, this is a meaningful step forward.
Together, these two integrations address the most common friction points in private crypto usage: getting funds in, and getting paid out, both without leaving a traceable trail.
"Onramper was built to give any product access to the best global onramp coverage through a single integration," said Rick Thomas, co-CEO of Onramper. "Umbra is exactly the kind of app this infrastructure was designed for, privacy-native, user-first, and solving a real problem. Together we're making it possible to participate fully in crypto without sacrificing financial privacy."
"Privacy in crypto has always been about more than anonymity. It's about giving people genuine control over their financial lives," said Krutarth Shah, CEO of Umbra. "Integrating Onramper means our users can fund their wallets and receive payroll with the same level of discretion they expect from every other part of the Umbra experience."
Umbra with Onramper is available now. Open the Umbra app to get started.
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 Umbra
Umbra is a privacy-first wallet on Solana, built on Arcium's encrypted execution engine. It lets people send, receive, and swap crypto with the sender, recipient, and amount private by default, while keeping compliance tooling like viewing keys and risk screening intact. Umbra was the first live application on Arcium's Mainnet Alpha and ships an SDK that extends the same privacy infrastructure to developers building on Solana
ELLIPAL Integrates Onramper to Expand Access to Self-Custody Assets
ELLIPAL users around the globe can now move from fiat to fully offline crypto storage in a single flow.
June 4, 2026 — Onramper, the world's leading fiat-to-crypto onramp aggregator, today announced its integration with ELLIPAL, one of the most secure hardware wallets in crypto. Through the integration, ELLIPAL's 1M+ users can now fund their wallets using 130+ payment methods across 190+ countries, with a direct path from fiat to cold storage and zero added friction. ELLIPAL will also roll out offramping exclusively through Onramper, giving users a complete on and off ramp experience without ever leaving the wallet.
For users who prioritize direct, offline ownership of their assets, ELLIPAL was built to deliver exactly that — a user-friendly solution that upholds the original intent of crypto: complete, uncompromising ownership. Its air-gapped hardware wallet technology is designed without Bluetooth, Wi-Fi, USB, or network connections of any kind – QR codes handle all communication, and private keys never leave the device. With Onramper's global payments coverage and smart routing engine, ELLIPAL users now have a streamlined, localized entry point into cold storage.
"ELLIPAL represents everything self-custody should be: secure, simple, and fully in the user's hands,” said Rick Thomas Co-CEO of Onramper. “Our role is to make sure the path to getting there is just as seamless, no matter where in the world that user is starting from."
ELLIPAL's design eliminates every online attack vector by default, making it one of the most uncompromising self-custody options on the market. For users ready to take full control of their assets, this integration makes that first step simpler than ever.
“Our goal at ELLIPAL is to give everyone the tools to be their own bank,” said Fate Liang, Head of Product at ELLIPAL. “With Onramper integrated, users can now fund their wallets directly using their preferred local payment method, taking full ownership of their assets from the very first step."
*This integration is not available in the United Kingdom and OFAC sanctioned countries.
Learn more at onramper.com and ellipal.com.
About ELLIPAL
ELLIPAL is a Hong Kong-based company pioneering air-gapped hardware wallets that put users in full control of their digital assets. Designed to stay completely offline, ELLIPAL products combine strong security with simple, intuitive user experiences.
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.
Moonshot Unlocks 180+ Payment Methods for Traders with Onramper Partnership
Through the integration, Moonshot users* can now access more than 180 local payment methods across over 190 countries.
AMSTERDAM, April 6, 2026 — Onramper, the world's leading fiat-to-crypto onramp aggregator, announced a partnership with Moonshot, the self-custodial trading app built on Solana, to remove one of the biggest barriers to entering onchain markets: funding accounts across different markets.
Through the integration, Moonshot users* can now access more than 180 local payment methods across over 190 countries, making it easier to move between fiat and crypto using familiar payment methods. The result is faster onboarding, higher conversion rates, and expanded access to onchain trading worldwide.
“Moonshot is one of the fastest-growing platforms in crypto,” said Thijs Maas, CEO of Onramper. “By expanding localized payment options, we’re making the platform accessible to more users globally and unlocking broader participation in onchain trading.”
Moonshot is designed for users looking for direct exposure to the digital asset market without the friction of traditional crypto platforms. The app combines a self-custodial wallet with no seed phrases, real-time market data, and a mobile-first experience optimized for speed and simplicity. Since launch, Moonshot has grown to more than two million users and reached the top of the App Store in multiple countries.
“Access has always been the bottleneck for global adoption,” said a spokesperson at Moonshot. “Every new payment method we add unlocks new users, and this partnership turns previously hard-to-reach regions into active onchain markets.”
Onramper’s aggregation layer automatically routes users to the most competitive onramp provider based on location, payment method, and availability, optimizing for conversion and reducing drop-off at the point of deposit. For Moonshot, this means broader global coverage while maintaining a frictionless in-app experience.
Learn more at onramper.com and moonshot.com.
*The integration is live and available to users globally, excluding the United States.
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 to buy 2,000+ digital assets in over 190 countries with over 130 payment methods across 120 currencies, with advanced routing options and unified analytics. The company is based in the Netherlands. To learn more, visit www.onramper.com.
About Moonshot
Moonshot is a leading mobile application for discovering, buying, and selling digital assets on the Solana blockchain. With a self-custodial wallet, a curated token experience, and support for familiar payment methods like Apple Pay, Moonshot has onboarded millions of users into on-chain trading, establishing itself as one of the fastest-growing apps in the market.
