Onramp Money

Onramp Money: infrastructure for converting fiat currency into crypto assets

Onramp Money presents itself as a payment infrastructure layer for the Web3 ecosystem. Its core proposition is to facilitate conversion between fiat money and cryptocurrencies —and vice versa— through local payment methods, with declared coverage in more than 75 countries and support for over 480 tokens. The company claims to have surpassed 1.6 million users and to have more than 400 Web3 teams building on its infrastructure.

Buying, selling, and swapping crypto assets

The platform allows buying and selling cryptocurrencies with 22 fiat currencies and swapping between approximately 350 tokens. Among the assets mentioned are Bitcoin, Ethereum, USDT, BNB, XRP, Solana, Dogecoin, Tron, Polygon, and USD Coin. The service is offered to both individuals and businesses, and includes the option to purchase gift cards with cryptocurrencies.

The company states that it sources liquidity from multiple providers to offer competitive prices and that it applies a security engine that reduces fraud risk to less than 0.01%. It also declares that it stores the minimum amount of user data possible.

Local payment methods and international coverage

Onramp Money integrates local payment rails such as UPI in India, SEPA in Europe, and PIX in Brazil, along with other banking alternatives. The company indicates that it operates in more than 30 countries with local payment methods and that its total coverage reaches 75 countries across Asia, Europe, Latin America, and Africa. Among the supported fiat currencies are the Indian rupee (INR), Turkish lira (TRY), UAE dirham (AED), Mexican peso (MXN), Vietnamese dong (VND), euro (EUR), British pound (GBP), and Brazilian real (BRL).

Integrations for wallets, exchanges, dApps, and NFT platforms

Onramp Money's infrastructure is designed to integrate into third-party products. The company offers three integration methods: URL redirection, widget or iframe, and a white-label solution to build a custom interface. Among the partners the company highlights are MetaMask, Bybit, Binance, Coinbase, KuCoin, Ledger, the Opera browser, World App, Telegram, and Onramper.

Use cases span blockchain wallets, NFT platforms, exchanges, and decentralized applications (dApps) for DeFi, games, and DEXs. In the case of NFT platforms, Onramp Money allows users to pay in local fiat currency while merchants settle in stablecoins, with the company handling KYC, payment processing, and settlement.

Identity verification and regulatory compliance

The company implements KYC and AML procedures in the jurisdictions where it operates. Its identity verification process is automated and supports documents from more than 75 countries with real-time validation. Onramp Money defines itself as a global digital asset and Web3 infrastructure provider, with operations in India and Europe through affiliated registered entities. Regarding compliance, it mentions registrations such as FIU-IND (India), MASAK (Turkey), VASP (Europe), and MSB (Canada).

Blockchains and settlement

The platform operates with multiple networks, including Ethereum, Polygon, BSC, Solana, NEAR, Optimism, Arbitrum, and Tron. According to the company, this allows buying or selling crypto assets on both Layer 1 and Layer 2, with instant settlement. The company states that buy transactions are completed in minutes, swaps are instant, and sells have fast settlement.

Corporate data and background

Onramp Money was founded in 2022 and is headquartered in Bengaluru, India. Its team consists of more than 90 people distributed across six countries. The company states it is backed by top-tier crypto venture capital investors. Its origins date back to 2016, when its founders began working in the sector and identified recurring problems in user onboarding: failed payments, stuck KYC processes, and abandonment before the first transaction. That experience led them to build their own fiat-to-crypto engine and, later, to develop local banking relationships and adapt to the regulatory frameworks of each market.