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Why use a fiat-to-crypto onramp aggregator?
One onramp will never be enough. Neither will five. An aggregator can solve the inherent issues the industry faces today.
The promise of the fiat-to-crypto onramp is an enticing one: with minimal effort, your platform can integrate a widget that allows your customers to turn their fiat money into bitcoin, ether or any other crypto.
In practice, however, onramping is far from the seamless process it’s made out to be. Your provider doesn’t want you to know this, but an estimated 50% of transactions fail after KYC has been passed.
That’s a little alarming, isn’t it? It gets worse. Our October 2022 report identified that abandonment rates during the checkout process can reach as high as 90%.
Why aren’t the onramps working?
To be clear, they do work. And when they do, they’re an excellent way to get new customers up and running in the crypto ecosystem. The problem is getting them to work consistently.
It’s impossible for any given onramp to cater to all demographics. With so much global variance in payment methods, proof of address/identity documents, and fiat currencies used, every solution must make trade-offs.
Unfortunately, those trade-offs come at the expense of user experience for a majority of customers — who are repeatedly hit with the dreaded ‘transaction failed’ error.
Aggregation fixes this
Simply switching your provider won’t solve an issue that impacts every player in the industry.
Introducing multiple onramps could reduce dropouts, in theory, but it’s an expensive solution that isn’t guaranteed to work:
- Integrating and maintaining several stacks eats a significant amount of resources
- Customers will still need to find an onramp that works for them via trial and error
The right aggregator can remove these points of friction: resulting in lower integration costs for you, and streamlined onboarding into the crypto ecosystem for your customers.
The secret sauce: dynamic transaction routing
At the heart of aggregation lies an engine that can identify (and understand) your customers profile and their needs — their location, the fiat currency they’re using, the KYC documentation they have available, etc. The engine takes these factors into account before intelligently matching them with the onramp most likely to ensure a successful transaction.
Our research shows that there are 70+ such inputs that can influence a fiat-to-crypto swap. To be effective, the aggregator’s engine must consider them all.
Truly global coverage
Want consistent completion in fiat-to-crypto transactions? Increase access to local payment methods.
Across the board, these routes are tied to higher success rates. But, frustratingly, there isn’t a single onramp that can provide access to them all — different solutions excel in local payment methods for different regions.
By aggregating them, you instantly broaden your access to location-specific rails. Which, in turn, allows you to equip your customer segments with the best path to crypto available.
Lower fees. Higher outputs.
You might know that your onramp’s fee isn’t actually representative of what your customers are paying. Far from it.
When presented with a single onramp, they’re tied to its conversion rates, its bid-ask spreads and its chosen network fees. All of these hidden costs add up to take a chunk out of the amount of crypto received.
Here, aggregation works as it does on any booking website: it weighs up the different onramps and (all) their rates to calculate the cheapest option — meaning that your customers get the best bang for their buck on every transaction.
Onboarding made easy
The crypto landscape can be difficult enough for newcomers to grasp. Their very first step shouldn’t be a massive hurdle.
With a fiat onramp aggregator, it won’t be. You’ll make sure your customers are repeatedly enjoying seamless swaps (for better rates, too) — all while reducing your own technological overhead.
Want to find out how Onramper can turbocharge your success rates with streamlined aggregation? Book a call with our experts today.
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Onramper Launches Chrome Extension to Compare Crypto Quotes From 30+ Providers Without Leaving the Page
Install in one click and see live quotes side by side in the browser’s side panel, with no analytics or tracking
Amsterdam, October 22, 2026 — Onramper, the fiat-to-crypto onramp aggregator, today launched a Chrome extension that puts crypto buying, selling and swapping in the browser’s side panel, so users can transact while staying on the page they’re already reading. The extension is available now on the Chrome Web Store.
Buying crypto usually means leaving the webpage you are on. People spot a token or an idea, then have to open a new tab and check provider after provider. The Onramper Chrome extension keeps those comparisons in the Chrome Side Panel. Users can see live quotes from over thirty licensed providers in one place, pick the option that suits them and check out. The panel stays open while they browse, so there are fewer steps between spotting something and buying it.
“Crypto has treated the on-ramp as a destination: a separate site, a separate tab, a separate decision. As the industry matures, buying has to happen where people already are, and with more providers and payment methods in every market, comparing them should not be a research project,” said Rick Thomas, Co-CEO of Onramper. “Putting that choice in the browser is how we make a fragmented market simpler to use.”
The Onramper extension is private by default, containing no analytics or tracking. Settings and saved wallets stay in the user’s browser, and cross-device sync is off unless the user turns it on. A single control in the settings menu can erase all extension data.
What users can do with the extension
- Buy crypto with cards, bank transfers and local payment methods
- Sell crypto and cash out to a bank account
- Swap tokens by connecting a wallet in a browser tab
- View prices in their local currency, selected automatically, with one-tap amount presets suited to that currency
- Save up to five wallet addresses under recognizable names and copy one at checkout in a click
Onramper compares quotes from licensed providers and routes the user to the one they choose. Onramper and the selected provider handle identity verification and payment at checkout. Onramper offers 170+ local payment methods, and available providers, payment methods and assets vary by country. The Onramper extension is available now for Chrome.
About Onramper
Onramper is a fiat-to-crypto on-ramp aggregator based in Amsterdam. Wallets, exchanges and Web3 apps use Onramper’s widget and API to offer users a way to buy, sell and swap crypto. For more, visit onramper.com
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Ult integrates Onramper to power seamless fiat access
We're excited to announce that Ult has integrated Onramper, bringing seamless fiat onramping to users directly inside the app.
Ult is a multi-market trading app that brings crypto, tokenized stocks, perps, and sports prediction markets into one experience. It gives users a single place to access multiple markets without juggling separate apps, separate accounts, or separate funding flows for each one.
Fund every market in one flow
Ult users can now fund their accounts with fiat through a single onramp integration, rather than relying on one payment provider with limited coverage. Onramper aggregates more than 15 onramp providers and automatically routes each transaction to the most competitive option based on location, payment method, and availability. Users get access to 175+ payment methods across markets, all inside one streamlined flow. Whatever they're trading– crypto, stocks, perps, or predictions– the funding experience stays the same.
"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. "Ult is exactly the kind of app this infrastructure was designed for, multi-market, user-first, and built to remove friction at the exact moment users are ready to get started."
Ult with Onramper is available now. Open the Ult 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.
Guarda Wallet Integrates Onramper to Power Fiat to Crypto Access
Onramper brings native fiat purchasing to Guarda Wallet, live now on web and Android
We're excited to announce that Guarda Wallet has integrated Onramper.
Guarda Wallet is a non custodial, multi platform wallet supporting more than 70 blockchains and over 1 million assets. Founded in 2017, Guarda is available on desktop, web, mobile and browser extension–giving users full control of their private keys across every platform they use.
Onramper fiat purchasing is now live natively within Guarda Wallet on web and Android. Users can buy Bitcoin, Ethereum, Solana, XRP, Cardano, Litecoin, Dogecoin, TRON, and more directly inside the wallet, without needing to move funds elsewhere first.
Onramper aggregates multiple fiat onramp providers into a single, optimised flow, routing each transaction through the best available provider at the time of purchase. This gives Guarda users broader payment coverage and more reliable pricing without Guarda needing to manage multiple provider relationships on its own.
"Guarda has always been about giving users real ownership of their assets across every chain that matters," said a spokesperson for Guarda Wallet. "Onramper makes the path from fiat to self custody faster and more accessible for our users worldwide."
"Guarda is exactly the kind of wallet Onramper is built for: broad chain coverage, a committed user base, and a genuine commitment to non custodial principles," said Rick Thomas, Co CEO of Onramper. "This integration puts a reliable fiat onramp in front of millions of self custody users from day one."
Onramper is live now in Guarda Wallet on web and Android. To learn more, visit guarda.com.
