List of On/Off Ramp companies in Web3 (2026)

Pay-out is an On/Off Ramp product that converts stablecoins into local fiat currency for recipients across multiple markets. It routes USDC and USDT to bank accounts, mobile wallets, or payment cards, or settles on-chain, using stablecoin-backed liquidity to enable near-instant local payouts. Businesses making global payouts, such as marketplaces, creator platforms, and trading firms, use it to disburse funds without pre-funding local accounts in every market.

Sphere Embedded Ramp is a hosted widget enabling end users to buy or sell stablecoins using fiat payment rails within third-party applications. The widget handles KYC and KYB workflows, payment processing, and regulatory compliance while allowing the host platform to apply custom theming. It provides transfer history and real-time status updates for end users converting between fiat currencies and stablecoins across multiple blockchains.

SpherePay Dashboard is a self-serve web application enabling businesses to manage global stablecoin payments without code. The dashboard provides interfaces for sending, receiving, converting, and ramping between fiat and stablecoins, with integrated compliance workflows, transaction tracking, and settlement management, accessed through a single business account. It is used by businesses seeking full on- and off-ramping functionality alongside broader payments support in a no-code interface.

Metal Pay is an on/off ramp platform that lets users buy, sell, and manage digital assets using debit or credit cards. It combines a built-in crypto marketplace with fast peer-to-peer transfers, allowing users to move between cash and digital assets from a single account. The platform targets both newcomers and existing digital asset holders seeking a simplified bridge between traditional payments and crypto.

Simplex Payment Gateway enables exchanges and wallets to accept credit and debit card payments for cryptocurrency purchases through an embeddable checkout integration. Businesses integrate the gateway to allow their users to buy digital assets directly with fiat payment methods.

Simplex is a fiat-to-crypto on/off-ramp enabling users to purchase cryptocurrencies using credit and debit cards through exchange and wallet integrations. Platforms embed Simplex to allow customers to buy digital assets directly with traditional payment methods.

AvanChange is an on/off-ramp exchange service that lets users buy and sell cryptocurrency for fiat through bank cards, bank transfers, electronic money, and cash, and swap one cryptocurrency for another. Users create an order for a chosen direction on the website or Telegram bot and pick a fixed rate held for the order or a best rate that follows the market. Operators process each order and send the payout, usually within minutes.

TryBit Crypto Payment Gateway is a merchant payment gateway that lets businesses accept cryptocurrency payments online through API integration, CMS plugins, and HTML widgets. It generates invoices, supports donation links, offers a white label solution for platforms embedding the checkout flow, and automatically withdraws settled funds to merchant wallets while mitigating stablecoin volatility. Users can also connect via WalletConnect and access built-in balance conversion or a card-based option to acquire crypto within the same account. The gateway serves e-commerce, SaaS, education, gaming, and other online businesses across multiple blockchains and stablecoins.

API Suite is a payments infrastructure API that lets businesses collect and pay out local currency across emerging markets, with USD stablecoins used for cross-border settlement. It connects bank transfers and mobile money with stablecoin rails through a single integration, so funds move between countries in minutes rather than days. Businesses can also embed named USD and EUR accounts, custodial or self-custody stablecoin wallets and currency conversion into their own products. Fintechs, banks, telecoms and corporates use it for payouts, collections and treasury flows without running blockchain infrastructure themselves.

Treasury Portal is a no-code treasury dashboard that lets businesses hold, send, receive and convert local currencies and USD stablecoins across emerging markets. Companies create separate wallets for each currency or purpose, pay out to bank accounts, mobile money or crypto addresses, and convert funds at quoted rates settled through stablecoins. Finance teams use maker-checker approvals and transaction tracking to run payroll, supplier payments and reconciliation without writing code.

BiLira Kripto is a centralized exchange for buying and selling cryptocurrencies against Turkish lira. It lets users deposit lira or supported crypto assets, complete identity verification, and trade a range of digital assets through custodial accounts matched on the platform. The exchange also lets users convert Turkish lira to crypto and back within the same account, functioning as an on-ramp and off-ramp for market entry and exit. It is accessible via a web application and a mobile app for iOS and Android.

Bitnovo is a web platform for buying, selling, and swapping cryptocurrencies, paid for by card, SEPA bank transfer, or vouchers bought with cash at retail stores. Users sell crypto for euros sent to their bank account by instant transfer, set up recurring purchases, and send purchased assets to any wallet. A built-in store also sells gift cards from retail brands in exchange for crypto.

Bitnovo Ramp is a B2B on/off ramp API enabling platforms and fintechs to embed crypto-to-fiat and fiat-to-crypto conversion into their own products. Businesses connect to Bitnovo's payment rails, compliance infrastructure, and European liquidity network through a single API integration.

DashX Gateway is a payments infrastructure and orchestration platform that helps businesses and independent contractors move money across borders. It provides virtual bank accounts in multiple currencies and routes payouts to local bank accounts in dozens of countries, alongside conversion between stablecoins and fiat currency handled through licensed partners. The platform connects to domestic transfer networks and international wire systems through a single application programming interface, letting payroll, remittance, and fintech companies route payments without building their own banking relationships. Identity verification and compliance monitoring, performed by regulated partners, screen users and transactions before funds settle. Developers integrate the platform through application programming interfaces and software development kits to embed cross-border payment flows into their own products.

Interlace CryptoConnect is an on/off-ramp wallet product that lets enterprise and Web3 businesses convert between cryptocurrency and fiat, transfer funds, and make payments from a single account. It supports multiple crypto assets alongside fiat storage held at insured commercial banks, combined with anti-theft monitoring and risk controls for crypto holdings. Businesses use it to manage on-chain and fiat transactions together without operating separate systems for each.

Pretium APIs is a payments infrastructure product that provides a unified REST API for converting between stablecoins and African fiat currencies. It aggregates local payment rails such as mobile money and bank transfers with on-chain stablecoin settlement, allowing developers and businesses to accept and disburse crypto and fiat payments through a single integration. The API abstracts routing across multiple markets and blockchain networks, and also supports fiat-to-stablecoin on-ramp and off-ramp conversion.

Changelly Exchange is a centralized exchange that aggregates cryptocurrency rates across partnered trading platforms to facilitate instant cross-chain swaps. It queries rates from integrated exchanges in real time and routes orders through partnered venues for settlement. Users specify a swap pair and destination wallet address, receiving funds directly without the platform holding custody, through web and mobile apps.

Banxa Checkout is an on/off-ramp product that lets users convert between fiat currencies and cryptocurrencies through a hosted checkout interface. It processes buy and sell orders with integrated payment methods, wallet handling, and KYC/AML compliance checks. Businesses embed the checkout via iframe, redirect, or SDK to offer fiat-to-crypto and crypto-to-fiat conversion to their own users across multiple blockchain networks.

DigiFinex P2P Trading is a peer-to-peer marketplace where users buy and sell cryptocurrency directly with one another using local payment methods. Merchants post advertisements with pricing and payment terms, and buyers select an offer to complete a trade with escrow-style protection from the platform. The service operates through its own listing and order interface distinct from the exchange's order book.

Swipelux OnRamp is a fiat-to-crypto payment gateway that lets businesses accept card, mobile wallet, and open banking payments and convert them into digital assets. It routes each transaction across multiple payment providers, selecting the best available path by country and method with automatic fallback. Merchants embed the widget into checkout flows to collect funds locally across a range of currencies and settle into crypto or stablecoins on multiple blockchains.

INBESTGO App is a self-custody cryptocurrency wallet and investment platform for individuals and businesses in Latin America. It lets users buy, sell, send, and receive a wide range of cryptocurrencies across multiple blockchains, fund accounts with local currency or dollars, and earn rewards on holdings through an integrated yield feature. A membership tier offers preferential withdrawal fees, and the app also manages linked crypto-funded payment cards. Businesses can access on and off-ramp services to convert stablecoins into local currency for payments.

Orbital Platform is a payment network that unifies stablecoin and traditional payment rails for enterprises moving money across borders. It provides multi-currency accounts, named virtual IBANs, stablecoin wallets, and real-time currency exchange, with automated settlement for business transactions. Businesses receive, hold, exchange, and send funds across stablecoins, fiat currencies, and exotic currencies through a single web platform, initiating transfers via the web interface, bulk files, or a dedicated trading desk for large or complex trades. The dedicated desk negotiates tailored pricing for high-value or non-standard currency exchanges outside the standard automated flow.

Cryptomus Payment Gateway is a merchant payment gateway that lets businesses accept cryptocurrency payments online. It processes checkout payments through API integration, e-commerce plugins, and payment links, with automatic settlement to preferred currencies. Merchants use it to generate invoices, track payments, and manage crypto payouts alongside built-in AML monitoring.

Cryptomus Wallet is a self-custody wallet that stores and manages cryptocurrencies across multiple blockchain networks. It includes built-in staking, a converter for swapping assets without network fees, and an on-ramp for buying crypto with a card, alongside two-factor authentication and other account security features. Individuals use it to hold, convert, transfer, and earn yield on their digital assets within one interface.

Meru Wallet is a neobank for Latin American freelancers and remote workers that provides US bank accounts with ACH and Wire routing, European IBANs with SEPA, and self-custodial crypto storage across multiple tokens. Users receive payments from freelance and payment platforms, deposit through local rails or crypto, and earn yield on stablecoin balances through DeFi. The app also enables cash withdrawals through a global remittance network and spending via an integrated Visa card.

TruBit Pro is a centralized exchange offering spot trading, perpetual contracts, and a peer-to-peer marketplace for Latin American users. It matches user orders through exchange-controlled order books and provides integrated fiat on-ramps through local bank transfers and card payments. The platform also includes copy trading, letting users replicate the trades of other participants, and a grid trading bot that automates buy-low sell-high strategies.

StraitsX Wallet is a self-custody digital asset wallet for buying, selling, and swapping stablecoins. Users convert between fiat and stablecoins and instantly swap between different stablecoins within a single regulated account, with live rate updates and transaction limits for larger swaps. The wallet serves individuals and businesses seeking liquidity or point-of-sale settlement across supported stablecoins.

B2BinPay is a cryptocurrency payment platform that lets merchants, financial institutions, and other businesses accept, hold, and move digital assets under a single account and dashboard. It provides merchant checkout integration with automatic settlement, wallet infrastructure for storing and transferring assets, and crypto-to-fiat conversion tools accessible through a unified API. The platform also offers custody, staking, and instant crypto-to-crypto conversion services, and can be deployed under a client's own branding as a white-label solution. Businesses across industries such as e-commerce, gaming, and gambling use the platform to accept payments across multiple blockchains and hold or grow digital asset balances.

Abarai is a non-custodial cryptocurrency exchange that lets users buy, sell, and swap digital assets without an account or platform-held funds. Purchases route through multiple payment methods, including credit and debit cards, bank transfers, Revolut Pay, and Apple Pay, with assets delivered directly to a wallet address the user controls. A built-in swap module converts between numerous crypto pairs, and the site bundles reference tools such as live price tracking, a converter, a profit and loss simulator, a tax calculator, a Bitcoin dominance tracker, and a transaction verifier alongside an educational academy.

Abarai POS is a point-of-sale device that lets partner retail businesses exchange cash for Bitcoin and Bitcoin for cash at a physical location. Partners purchase the device and set their own transaction commission while operating under Abarai's regulatory authorization. The unit includes a 3G modem, Wi-Fi connectivity, and a 5.5-inch IPS display, with 48 hours of continuous operation and 30-day standby.

ZinariPay is a financial platform for the African market that combines peer to peer cryptocurrency trading, instant crypto swaps, cross-border payments, and a gift card marketplace in one app. Users list or buy cryptocurrencies at self-set prices with funds held in platform escrow to prevent payment disputes, or convert crypto to local currency and between crypto assets instantly at platform-set rates. Cross-border transfers send local currency payouts to recipients across several African countries through bank transfers or mobile money. A gift card marketplace lets users purchase from a wide range of retail brands using crypto, alongside airtime and data top-ups. Businesses can additionally integrate a payment gateway to accept stablecoin payments through an API for online checkout.

Cashmere Gate is a planned fiat access product intended to provide regionally adapted on-ramp and off-ramp services for converting between fiat currencies and stablecoins. It is designed to incorporate identity verification into the conversion flow to meet regional compliance requirements. The product remains in development and is not yet publicly accessible.

xRocket Exchange is a centralized spot exchange on the web and inside Telegram, with market and limit orders, instant execution, and charting tools for tracking prices. Users fund their accounts by buying crypto with bank cards through a partner gateway, or trade stablecoins for local currency on a P2P market. P2P trades are protected by internal escrow, which locks the seller's assets until the fiat payment is confirmed.

Breet is a consumer platform for converting between cryptocurrency and fiat currency and for spending digital assets in everyday transactions. Users deposit or buy crypto through the app or web dashboard, swap between supported digital assets, sell holdings for direct bank or mobile money payouts, pay utility and subscription bills, and send crypto-denominated gift cards to other users. Settlement rates are fixed before execution and payouts are processed automatically without peer-to-peer negotiation. Native coins can be deposited and sold but not withdrawn externally, while stablecoins can also be withdrawn to external wallets. The platform issues wallet addresses for deposits across multiple blockchains and serves individual consumers in West Africa.

Breet Business is a business payments platform that lets companies accept crypto and stablecoin payments and bill clients through a shared dashboard and API. It generates deposit wallets, confirms on-chain transactions, converts crypto to fiat automatically, screens transactions for compliance, and delivers webhook notifications, removing the need for companies to build blockchain settlement infrastructure themselves. Fintechs, gaming operators, exchanges, payroll platforms, and payment processors integrate the API to accept crypto and stablecoin payments and settle to local bank accounts. The platform lets businesses generate crypto-payable invoices and receive the fiat equivalent directly, with account management run through a dedicated partner dashboard separate from the consumer app.

AstraBanq is a neobank that offers personal and business accounts with dedicated multi-currency IBANs, international transfers over bank and local payment rails, and currency exchange. Users convert between fiat and crypto inside the account and settle the proceeds to their balance or to an external bank. Physical, virtual, and metal cards draw on the same account, with real-time spending controls and instant transfers between AstraBanq users. Business accounts add corporate cards, team access, and crypto payment acceptance through the integrated AstraPay gateway.

EMCD Account is the custodial multi-asset account of the EMCD platform, branded EMCD Coinhold Wallet, that stores, sends, receives and exchanges digital assets across multiple blockchain networks from one web and mobile sign-in. Its Grow savings product pays fixed yield on deposited crypto, and Borrow lends stablecoins against crypto collateral without the user selling it. The same account offers instant buys, an exchange with more than 200 trading pairs, peer-to-peer crypto-to-fiat trading and a payment card for spending balances worldwide. It also provides delegated staking for selected proof-of-stake assets and investment offerings in indexes, real-world assets and tokenized equities. Earnings can be withdrawn or reinvested from the account without moving funds to another platform.

SimpleSwap is a self-custodial swap aggregator that lets users exchange cryptocurrencies and buy crypto with fiat without creating an account. It aggregates liquidity from multiple centralized and decentralized sources and routes trades directly from the user's wallet to the recipient address, offering a choice between fixed and floating rates. The platform is accessible through a website and mobile apps, and registered users can join a tiered loyalty program offering fee discounts and cashback, plus a referral system rewarding users for inviting others.

Regulated E-Money Infrastructure implements authorized electronic money issuance through European EMI licensing, enabling multi-currency blockchain transactions with direct traditional banking integration. The system provides regulated stablecoin issuance including EURe, USDe, GBPe, and ISKe tokens, Web3 IBAN accounts for automatic fiat-to-token conversion, and developer APIs for programmatic access to compliant cross-border payment infrastructure

El Dorado is a consumer super app that lets users in Latin America hold, send, and spend money through a set of mini apps. It provides peer-to-peer stablecoin trading with instant local payments, a dollar-denominated account, an international payment card, and a feature for buying and holding crypto, plus a yield-earning option, all managed from one account. Users can exchange between local currencies and stablecoins, pay through local QR codes and instant payment networks, and top up an international card funded from their balance. The app targets people seeking dollar access, remittances, and everyday spending without relying on a traditional bank.

El Dorado API and Widget is a developer integration product that lets businesses embed cryptocurrency onramp and offramp functionality into their own websites and applications. It provides a prebuilt widget for no-code embedding alongside a full API for custom integrations, both connecting to local payment methods and multiple blockchain networks across Latin America. Businesses use it to let their customers convert between local currencies and stablecoins without building their own compliance or liquidity infrastructure.

Lunu On-Ramp is a fiat-to-crypto conversion service that lets businesses offer cryptocurrency purchases to their customers using cards and other payment methods. It handles the exchange process through an application programming interface that partners integrate into their own products. Customers select a payment method and receive digital assets after completing the purchase.

Lunu Off-Ramp is a crypto-to-fiat conversion service that allows users to sell digital assets and receive payouts to a bank account or card. Settlement is processed through methods such as ACH, SEPA, and push-to-card transfers depending on the recipient's location. The service converts cryptocurrency into local currency without requiring the user to hold a traditional trading account.

OnRamp Fiat On/Off Ramp is a B2B API and iframe integration enabling Web3 platforms, wallets, and non-custodial apps to offer instant fiat-to-crypto and crypto-to-fiat conversion. Businesses connect via a single embed and gain access to KYC, AML compliance, and licensing coverage across multiple jurisdictions. The service supports a range of major cryptocurrencies with card, bank transfer, and alternative payment method settlement.

ZeroHash Payments Infrastructure is a payments product that enables stablecoin and crypto-based money movement for businesses through a unified API. It supports account funding, payouts, remittances, and on and off ramp conversion between fiat and supported stablecoins, with orchestration across multiple blockchain networks. Marketplaces, gaming platforms, and payment service providers use it to fund accounts, pay out earnings, and settle cross-border transfers without integrating each rail separately.

Ramp Network is a payment infrastructure that enables buying cryptocurrencies with fiat currency, selling cryptocurrencies back to fiat, and swapping between digital assets across multiple blockchains. It operates through a single embeddable widget that businesses integrate into their applications, and a consumer application that individuals use directly. The platform also provides a self-custodial wallet built into its mobile application, allowing users to store and manage supported digital assets without giving up control of their private keys.

CoinW Buy & Sell Crypto is an on/off ramp that lets users convert between fiat currencies and digital assets through the CoinW platform. It supports peer-to-peer trading, quick purchases, and over-the-counter deals using multiple payment methods and competitive rates. The service is designed for users who want to enter or exit crypto holdings without opening a separate trading account.

Trillion Digital OTC Trading provides institutional execution services for high-value digital asset transactions across multiple trading pairs including digital assets, stablecoins, and fiat currencies. The desk supports voice trading, chat execution, and API connectivity with market, limit, stop-limit, and custom orders. Settlement options include intraday, net, and multi-currency facilities with MPC-based security and real-time risk oversight

Superform is a self-custodial investing application that lets users buy U.S. stocks and earn yield on dollar balances from a single account. It connects to an underlying non-custodial smart contract protocol that routes deposits into yield-bearing vaults and tokenized equity exposure without requiring identity verification. Users fund accounts with a bank card, digital wallet, or stablecoins, and can send funds to other users or withdraw across supported destinations. The app is distributed as a web application and native mobile applications for iOS and Android.

Unlimit Fiat On/Off-Ramp is a service that converts fiat currency to cryptocurrency and back for businesses and their customers. It processes transactions through a single API, a customizable widget, or a white-label integration, drawing on a large portfolio of payment methods including e-wallets, instant bank transfers, QR codes, and cards. The service applies modular KYC checks and handles fraud and anti-money-laundering screening directly, supporting multiple digital assets and blockchain networks.

Quidax Ramp is an on/off ramp infrastructure product that lets businesses convert local currencies to stablecoins and crypto and back within seconds. It provides embeddable, low-code checkout interfaces alongside a white-label API for exchanges, wallets, and remittance apps to launch local payment flows. The product bundles automated compliance, including identity verification and fraud detection, so integrating businesses can accept multiple local payment methods without building their own conversion infrastructure.

StealthEX Swap is a non-custodial exchange aggregator that converts one cryptocurrency into another and sends the result directly to the user's wallet. It routes swaps to external liquidity providers and needs no account or registration for standard swaps. Users choose between floating and fixed rates and can also buy crypto with card or mobile payments. The service runs on the web and as an Android app, with an API for partners.

Metal Pay is an on/off-ramp mobile application that lets users buy, sell, and trade cryptocurrency using a debit or credit card. It supports direct fiat-to-crypto purchases and instant peer-to-peer transfers within a regulatory-compliant framework. The app is used by retail consumers seeking a simple way to enter and exit multiple digital assets.

Push to Card is an on/off-ramp service that converts cryptocurrency into fiat currency delivered directly to a user's existing debit card. Users connect a crypto wallet, enter an amount, and receive a secure payout link to complete the transfer, with funds arriving on the card within seconds. The service requires no bank account, identity verification, or intermediary exchange, and supports payouts in multiple fiat currencies.

Linka is a payment infrastructure platform for Latin America, enabling on/off ramp, cross-border settlement, and stablecoin payment processing through a unified API. The platform connects local banking rails across Latin American markets with stablecoin networks on multiple blockchains, allowing businesses to move value across borders without managing individual local banking relationships. REST and WebSocket APIs are available with SDKs for multiple programming languages, alongside automated KYC and AML workflows, real-time transaction monitoring, and MPC-based custody integrated into the platform.

Tender Merchant is a merchant payment gateway that lets businesses accept cryptocurrency payments across physical and online checkout flows. Merchants integrate the platform through point-of-sale terminals, APIs, plugins, payment links, and software development kits, with a dashboard providing sales metrics and transaction analytics. The gateway also converts incoming crypto into local fiat settlement, converts fiat into crypto through an on-ramp pipeline, issues wallet-as-a-service subwallets for end users, and supports bulk disbursements to pay multiple recipients at once. All of these capabilities are accessed through the same merchant account and dashboard rather than as separate applications.

Wirex Business is a stablecoin-native corporate banking platform providing companies with multi-currency accounts, corporate and payroll payment cards, and one-to-one fiat-to-stablecoin conversion. It unifies balances across accounts, cards, and stablecoin holdings, and connects idle corporate funds to onchain lending markets to generate yield. The platform is accessed by registered businesses through a dedicated web portal separate from the consumer app. It supports treasury management, payroll, and payment operations for companies operating across multiple currencies.

Poloniex Exchange is a centralized exchange for spot, margin and perpetual futures trading in digital assets. Users trade from one account, with leveraged margin positions and USDT-settled perpetual futures alongside spot markets. The same account offers automated grid trading strategies for spot and futures, and futures copy trading that replicates the positions of lead traders. Users can buy crypto by card through third-party payment providers or trade with other users on a peer-to-peer fiat marketplace. Earn products pay interest on deposited assets over fixed or flexible terms.

Onboard Exchange is a peer-to-peer marketplace that connects crypto holders with local currency traders through smart contract escrow. It matches users with verified merchants to buy or sell digital assets across multiple currencies and local payment methods, with funds held non-custodially in escrow until trade completion. The service works with self-custody wallets, including Onboard Wallet, and offers a low-code and API-based integration option for third-party apps and merchants seeking access to crypto liquidity.