What Is The Best Fiat Onramp For Your Crypto Project?

A fiat onramp is necessary if you want your users to buy cryptocurrencies directly on your app or website. You could send your users through a centralized exchange, but this introduces counter party risk and various potential drop-off points. For the highest success rate and best user experience, it’s therefore best to directly integrate a fiat onramp. But what is the best fiat onramp for your specific crypto project? In this guide, we find out for you.

What is a fiat onramp?

A fiat onramp is a solution that allows users to buy cryptocurrencies with fiat currencies like euros, British pounds, US dollars, etc. For crypto businesses, fiat onramps are essential for  user onboarding.

Which fiat onramps are there?

Various parties provide fiat onramps that can be integrated into your app or website. Each of these is different and has its own pros and cons.

The most commonly used fiat onramps are:

  • Moonpay
  • Wyre
  • Xanpool
  • Mercuryo
  • Indacoin
  • Coinify
  • Itez
  • Utorg
  • Transak
  • Onramper (combining all of the above into one)

On Onramper’s website, there’s an overview of all these fiat onramps that you can use to compare.

Some Onramps integrated into Onramper

What is the best fiat onramp for crypto?

The short answer is: it depends. 

While there are many different fiat onramps available, not all of them are created equal. Generally speaking, there are three pillars: geographical support, payment methods and fees.

In order to choose the best fiat onramp for crypto, it’s important to compare the different options and select the one that best suits your requirements. Let’s take a look at the best option for each category.

Best fiat onramp for crypto based on geographical support and payment methods

If you have a global user base and want to allow users to buy crypto with the lowest fees, Onramper is likely the best fiat onramp for you. It supports all the payment methods and countries of the individual fiat onramps that are integrated within it. Onramper takes the best aspects of all onramps and wraps them in a single widget that is easy to implement.

If you only have European users, you might want to go for a fiat onramp that supports European payment methods and SEPA transactions, Transak, Coinify or Indacoin.

One of the best fiat onramps for processing debit cards in the U.S. is Wyre, which is licensed to do so on both the federal and state level. Wyre also allows users to buy under $1000 without having to upload KYC documents, which is better than most alternatives.

If you are only active in South East Asia, Simplex or Xanpool might be a better option, as they provide many of the local payment methods used in the region. 

Onramps in different geographies

Best fiat onramp for crypto based on conversion rates and fees

Comparing fees of fiat onramps is a challenge, because they all use different conversion rates between fiat currencies and cryptocurrencies.

Two onramps that quote the same percentage in fees, will not send the same amount of cryptocurrency to the user. This is because each onramp also uses different conversion rates, spreads and network fees. 

Let’s say there are two fiat onramps that a user can use to buy $1000 worth of Bitcoin. The first says it only charges 2% fee, but uses a conversion rate of $21,000/Bitcoin. The second quotes 3% fees, but uses a conversion rate of $20,000/Bitcoin. 

The first seems cheaper, just looking at fees. But the user would only receive 0.0467 Bitcoin, compared to 0.0485 Bitcoin if they’d used the second onramp. The first gateway is about 3.7% more expensive than the second, despite charging a lower fee!

This is why fiat onramp aggregators such as Onramper allow your users to compare onramps based on the amount of cryptocurrency that they would receive. Onramper calculates how much crypto each gateway would send the user (taking into account all transaction fees, network fees, conversion rates & spreads), and then shows the best options to the user. As such, Onramper is cheaper for you and your users.


Fiat on-ramps are crucial for user onboarding. Offering your users a choice between multiple options to provide the best coverage of geographical support, payment methods and fees. The best fiat onramp for your crypto project ultimately depends on which of these onramps best suits your specific needs. Onramper provides a single widget for all fiat onramps, which ensures you get the advantages of them all, without the integration effort and costs.