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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 Expands Global Payments Coverage with Integration to Kraken Via Payward Ramp
Onramper’s global payments networks gains access to Kraken’s leading liquidity in 600+ crypto assets via Payward Ramp.
February 26, 2026 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, and Kraken, one of the world’s longest-standing, most liquid and secure cryptocurrency platforms, today announced the successful integration of Payward Ramp by Kraken into Onramper’s industry-leading aggregation platform.
Payward Ramp enables businesses to offer their customers a simple and secure way to instantly buy and sell crypto using familiar payment methods, including cards and local bank transfers. By becoming part of Onramper’s network, Payward Ramp joins more than 30 onramp providers in expanding its global payments coverage, giving businesses direct access to Kraken’s deep liquidity.
The integration with Payward Ramp enables Onramper partners to deliver crypto access to their customers with minimal engineering lift, reducing the complexity traditionally associated with launching compliant fiat-to-crypto flows. Businesses can add crypto buy and sell functionality quickly, while Payward Ramp handles the underlying compliance, licensing, KYC checks and fraud prevention so partners can focus on delivering the right user experience.
Payward Ramp supports the 600+ digital assets across 100+ blockchains available on the Kraken platform, with access to card payments methods, Apple Pay and Google Pay across the U.S, EU, and UK. It’s supported by Kraken’s secure, regulated infrastructure, which include a series of money transmitter and CASP licenses in key jurisdictions.
“Payward Ramp delivers a premium buying experience backed by Kraken, one of the most trusted and robust infrastructures in crypto,” said Thijs Maas, CEO of Onramper. “We’re constantly evaluating the best ramps in the market, and adding Payward Ramp shortly after launch ensures our partners always have access to the highest-quality onramps with minimal integration effort.”
For crypto platforms, wallets and fintechs, integrating local payment methods across multiple regions has historically been a complex and resource-intensive process. Onramper’s aggregation technology removes this barrier by unifying global and local onramps within a single API, giving partners instant access to the world’s most comprehensive fiat-to-crypto infrastructure.
“Payward Ramp was built to leverage Kraken’s leading liquidity in order to provide access to crypto at a global scale,” said Brett McLain, Head of Payward Ramp. “By integrating with Onramper, we’re connecting into a broader ecosystem of wallets, fintech and platforms, making it easier for partners to launch compliant crypto experiences across regions without the complexity of building and maintaining their own onramp stack.”
Payward Ramp is the latest addition to Onramper’s growing aggregation network. In October 2025, Onramper announced it had surpassed 30 aggregated onramps, reinforcing its position as the leading onramp aggregator and enabling partners to connect customers to crypto globally without managing multiple integrations, licenses or payment providers.
To learn more, please visit onramper.com and kraken.com/institutions/ramp.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for routing onramp flows across multiple providers through a single integration. Onramper enables access to more than 2,000 digital assets across 190+ countries, supporting over 130 payment methods worldwide. The company is based in the Netherlands. Learn more at www.onramper.com.
About Payward
Payward, Inc. is a unified financial infrastructure platform that powers a family of products advancing an open, global financial system. Built on a single shared architecture, Payward enables customers to hold, trade, earn, pay, and invest across asset classes without friction or fragmentation.
At its core, Payward provides the infrastructure layer behind Kraken and a growing set of purpose-built products, including NinjaTrader, Breakout, xStocks, and CF Benchmarks.
Payward separates infrastructure from product expression. Each product surface is designed for a specific customer segment, regulatory regime, and use case, while operating on the same global foundation:
- One global liquidity pool
- One unified risk and margin engine
- One collateral and settlement system
- One compliance and licensing framework
This shared architecture allows Payward to scale efficiently, launch new products at low marginal cost, and serve diverse global markets while maintaining consistent risk management, regulatory integrity, and operational resilience.
For more information about Payward, please visit www.payward.com
Cosine Wallet Partners with Onramper to Expand Global Crypto Access
Integration brings buy, sell, and swap functionality with 180+ local payment methods to Cosine’s multi-chain self-custodial wallet worldwide.
AMSTERDAM, Feb. 17, 2026 /PRNewswire– Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a partnership with Cosine Wallet, a multi-chain self-custodial wallet designed to make crypto transactions simple, intuitive, and accessible for users around the world.
Through the integration, users on Cosine Wallet can now buy, sell, and swap crypto directly within their wallet using Onramper’s onramp and offramp infrastructure. The partnership enables access to more than 180 local deposit payment methods, giving users greater flexibility to move between fiat and crypto regardless of where they are located.
Cosine Wallet is built for everyday crypto users who want full control of their assets without sacrificing usability. By combining Cosine’s clean, user-friendly wallet experience with Onramper’s global aggregation layer, the partnership removes common barriers to entry and helps users manage their crypto activity in one place.
“Cosine is focused on delivering a wallet experience that feels simple and reliable for users worldwide,” said Thijs Maas, CEO of Onramper. “By integrating Onramper’s onramp and offramp capabilities, Cosine users gain access to a wide range of local payment methods, making it easier to buy, sell, and swap crypto across multiple chains.”
The integration supports onramps, offramps, and cross-chain swaps across a multi-chain, multi-currency self-custodial wallet. This allows users to enter the crypto market, move value across chains, and manage their assets without leaving the Cosine Wallet interface.
“Our goal is to be the crypto wallet people genuinely enjoy using,” said Obafunso Ridwan, Co-founder and CEO of Cosine Wallet. “That means combining a clean user experience with powerful functionality.”
Joseph Samuel, Chief Technology Officer at Cosine Wallet, added, “Integrating Onramper strengthens our infrastructure by expanding global payment coverage and improving access to buy, sell, and swap features across chains. It allows us to deliver a smoother experience while keeping users fully in control of their funds.”
The integration is live and available to users globally, excluding the UK and OFAC-sanctioned countries.
Learn more at onramper.com and getcosine.app
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 Cosine Wallet
Cosine Wallet is a multi-chain self-custodial crypto wallet designed for users who want a simple, powerful way to manage their crypto. Built with a focus on clean design and usability, Cosine allows users to buy, sell, and swap assets across multiple chains from one interface, while maintaining full control over their funds. With support for cross-chain activity and multiple currencies, Cosine Wallet positions itself as an all-in-one solution for everyday crypto transactions, making it easier for users around the world to interact with crypto in a way that feels intuitive and accessible. In addition to supporting cross-chain activity, Cosine’s mobile app includes a Gasless Sell feature, allowing users to convert crypto to fiat without needing native tokens for gas fees. To learn more about Cosine Wallet, visit www.getcosine.app
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.
