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What’s the best fiat onramp for crypto platforms?
Overwhelmed by onramp choices? Our guide simplifies the process, helping you select the right fiat-to-crypto solution for your business.
Considering integrating an onramp into your Web3 or crypto platform? That’s a smart decision.
By doing so, you remove a lot of friction for your customers. Instead of sending them away to figure out how to buy crypto on their own, you can offer an easy portal to convert fiat — right on your website.
With so many onramping options on the market, you may be wondering which is right for you. The short answer? It depends.
The longer answer is what we’re about to discuss.
What is a fiat onramp?
Let’s get our definition clear first. Technically, an onramp is any solution that allows a user to swap fiat currency for cryptocurrency. These range from in-person, local trades to leading centralized exchanges like Binance or Coinbase.
For our purposes, we’re talking about integrated solutions: widgets that live on your website, which enable users to pay for crypto with cards, bank transfers or other payment methods.
What are the best onramping solutions?
In a sea of offerings, several stand out — usually due to some combination of robust security, smooth UI/UX, decent coverage, and a range of supported payment methods and fiat/cryptocurrencies.
In no particular order, some of the top onramps today include:
- MoonPay
- Transak
- UTORG
- Itez
- Coinify
- Wyre
- Mercuryo
- Binance Connect
- Banxa
- Onramp Money
That’s quite a list, isn’t it? Well, that's just the tip of the iceberg. Each one will vary slightly in the regions it covers, as well as its fees and supported input/output currencies.
Wondering what’s right for your dApp, exchange or wallet? Here’s what you should consider:
Your customers’ location
The worlds of crypto and web3 may be global, but if you’re only using one onramp, you’ll need to choose which regions to optimize for. Unfortunately, none of these providers can offer global coverage.
Because of the complexities of converting fiat into crypto, onramps need to be selective in which fiat currencies and payment methods they focus on.
If you’re dealing exclusively with European users, a fiat onramp that specializes in European payment methods and SEPA transactions makes sense: Transak, Coinify or Indacoin are good examples of these.
Finding that the bulk of your customers are attempting to onboard in the U.S. with their debit cards? Wyre may be the solution for you. It’s licensed at both the state and federal level, and doesn’t require KYC for transactions under $1,000.
If your traffic hails from Southeast Asia, Simplex or XanPool may be superior, due to their wide support for the region’s local payment methods.
The fees
Location concerns aside, the fee conversation can’t be avoided. And, frustratingly, it’s not as simple as comparing whatever each onramp offers as a percentage: even with the same advertised fee, your customers will receive different outputs.
Why? Because of the hidden costs — which include things like conversion rates, spreads and network fees.
Consider a customer that wants to buy $1,000 in BTC. There are two onramps available to them:
- Onramp A has a 2% fee and a conversion rate of $21,000/BTC
- Onramp B has a 3% fee and a conversion rate of $20,000/BTC
Without knowing the conversion rate, we’d assume that Onramp A has the better deal. But the customer would only receive 0.0467 BTC, versus the 0.0485 BTC they’d receive if they used Onramp B.
In reality, Onramp A is ~3.7% more expensive!
Above all, think about success rates
Just because it’s the best onramp for most customers doesn’t mean it’s the best solution for them. Inevitably, some are going to get left behind — and not for the reason you think.
When a user begins their transaction, the onramp takes into account many factors (where they’re located, how they’re trying to pay, what currencies they’re interested in). Through some obscure, on-the-fly process, it makes a snap decision as to whether the swap can be completed.
The gold standard for measuring an onramp’s effectiveness is through its success rates: usually expressed as a percentage, this tells us how many of its transactions are actually completed. Spoiler alert: less than half of them are.
Again, that’s down to the sheer number of variables that differ from user to user — which leaves a lot of room for things to go wrong. But a single onramp, in isolation, just doesn’t have the scope to account for such vast differences. At best, it can refine its offering to focus on a tiny segment.
Fifteen onramps are better than one
It’s a frustrating dilemma. For any given user, there’s a perfect onramp. But it won’t always be the one you’ve set up.
Integrating several onramps isn’t really a viable option: maintenance alone would eat up a significant portion of your dev resources. What’s more, without a ‘smart’ routing system, your users would still need to trial-and-error their way through the available options.
Fortunately, you don’t need to concern yourself with the technical overheads. That’s what fiat onramp aggregators are for. Onramper, for instance, immediately makes over fifteen onramps available to wallets, dApps, exchanges, and other businesses who need to ensure their users can get access to crypto.
At its core is an industry-leading, proprietary routing engine that takes into account over 70 factors for each user. In real time, it can automatically pair them with the onramp most likely to ensure success — all while fetching the best fees.
As for integration and maintenance? You don’t need to worry about that. Find out how easy getting started is here, or hop on a call with us to discuss how Onramper can turbocharge your success rates.
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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.
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Onramper Integrates Paybis to Expand Global Crypto Payment Coverage
Onramper, the world’s leading fiat-to-crypto onramp aggregator, has integrated global cryptocurrency exchange Paybis.
October 15, 2025 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, has integrated global cryptocurrency exchange Paybis, expanding its network of payment providers and improving how users around the world buy digital assets.
Through the integration, Onramper partners gain instant access to Paybis’ high-conversion payment flows, including Apple Pay and Google Pay, without any additional development effort. Businesses can now offer faster, more familiar, and secure payment options through a single API.
Paybis becomes the 30th onramp to join the Onramper network, extending its global coverage and giving partners even more flexibility in how they connect users to crypto.
Operating in more than 180 countries, Paybis enables users to buy, sell, and swap major cryptocurrencies using credit and debit cards, bank transfers, Apple Pay, Google Pay, and other local methods. Its one-tap Apple Pay experience is recognized for speed and reliability, helping make crypto purchases almost instant.
“Paybis has set the bar for low-friction, global payment experiences,” said Thijs Maas, CEO of Onramper. “We’re thrilled to bring them into our network. With 30 onramps now live, we’re giving our partners and their users more choice and a truly seamless way to enter the crypto economy.”
“Our mission has always been to make buying and selling crypto effortless,” said Konstantins Vasilenko, Head of Sales and Co-Founder at Paybis. “Partnering with Onramper helps us bring that simplicity to more users and businesses globally.”
The collaboration strengthens Onramper’s aggregated network, giving partners access to broader global coverage, faster transactions, and seamless integration through a single connection.
To learn more, please visit onramper.com and paybis.com.
About Paybis
Paybis is a global cryptocurrency exchange platform that provides fast, secure, and user-friendly digital asset transactions. Founded in 2014, the company specializes in fiat-to-crypto and crypto-to-fiat conversions, enabling users to buy, sell, and swap Bitcoin, Ethereum, and other cryptocurrencies using various payment methods, including credit/debit cards, bank transfers, and e-wallets.
With a strong focus on security and compliance, Paybis is registered with regulatory authorities and implements industry-leading AML/KYC procedures. The platform is known for its intuitive interface, 24/7 customer support, and competitive exchange rates.
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.
Leap Wallet integrates Onramper for exclusive fiat-to-crypto onramping
Leap Wallet has entered into an agreement with Onramper to power fiat on- and off-ramping across its mobile applications and browser extension.
Leap Wallet has entered into an agreement with Onramper to power fiat on- and off-ramping across its mobile applications and browser extension. The integration brings Onramper’s global infrastructure directly into Leap Wallet, enabling streamlined access to crypto for users around the world.
Since 2025, Leap Wallet has expanded beyond its initial focus on the Cosmos ecosystem to become a multi-chain wallet. Today, it natively supports Bitcoin, Ethereum, and over 200 additional blockchain networks, allowing users to manage assets across a wide range of ecosystems without switching platforms.
“As Leap Wallet has grown into a multi-chain platform, demand for a seamless onramping experience has surged,” says Sanjeev Rao, CEO of Leap Wallet. “Our mission is to streamline the flow of value across ecosystems—and by partnering with Onramper, we’re eliminating key barriers for users.”
Enhanced onramping coverage
With this significant expansion, Leap Wallet recognized the necessity of robust and accessible onramping solutions to serve its growing user base. To address this, Leap Wallet is now integrating Onramper exclusively. This partnership allows users to:
- Access onramping for thousands of tokens
- Benefit from coverage across 200+ blockchain networks
- Enjoy frictionless fiat-to-crypto transactions, catering to both new and experienced users
By leveraging Onramper’s capabilities, Leap Wallet ensures its users experience reliable, broad, and convenient access to a wide range of cryptocurrencies, further reinforcing its position as a top-choice multi-chain wallet for global digital asset management.
“Crypto users need fast, secure, and reliable access to liquidity,” says Thijs Maas, CEO of Onramper. “Through this partnership with Leap Wallet, we’re bringing our global onramping infrastructure directly into one of the most advanced multi-chain platforms, enabling seamless value movement at scale.”
To learn more, visit onramper.com and leapwallet.io.
