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

On/Off-Ramp is a wholesale fiat-to-stablecoin and stablecoin-to-fiat conversion service built for institutions. It converts fiat currencies into dollar stablecoins and back using firm wholesale foreign exchange rates and institutional liquidity, moving funds between local bank rails and stablecoin balances. Payment service providers, fintechs, and other institutions use it to settle across multiple currencies and corridors.

Stillman Digital is an institutional digital asset trading platform offering market making, OTC execution, custody, and stablecoin settlement services. It operates as a principal OTC desk executing bilateral trades through RFQ workflows, alongside algorithmic market making that supplies continuous liquidity across centralized venues. Clients connect through a web interface or via FIX, WebSocket, and REST APIs, with co-located infrastructure supporting low-latency execution. Digital assets are protected through multi-party computation and cold-storage custody arrangements. A stablecoin settlement network handles cross-border fund transfers and treasury operations across multiple blockchain networks.

Crypto.AM Exchange is an in-person exchange service enabling customers to convert fiat currency into cryptocurrency and back at a physical office in Yerevan, Armenia. Transactions follow a three-step process in which customers visit the office, provide payment or a wallet address, and receive their exchanged assets, with settlement typically completed in under five minutes. There is no minimum transaction amount, though a flat twenty dollar commission applies to transactions under one thousand dollars, and trade sizes range from roughly one hundred to two hundred thousand dollars. The service supports a range of major cryptocurrencies and stablecoins for over-the-counter conversion.

Bitcoin.com Buy is a fiat-to-crypto gateway supporting credit cards, bank transfers, and payment apps for cryptocurrency purchases across a broad range of countries through integrated payment processors.

Onramp Money is a fiat-to-crypto payment infrastructure that lets individuals and businesses convert between local currencies and cryptocurrencies. It processes fiat purchases and sales of digital assets through local payment methods, and also lets users swap between supported tokens across multiple blockchains, spend crypto through gift cards at a range of merchants, and move value through stablecoin-based payouts. The service is accessible through a website widget, mobile applications, and an API or SDK that other wallets and exchanges embed for their own users. Identity verification and compliance checks are built into the transaction flow across the countries it serves.

Sardine's cryptocurrency on-ramp service that allows users to purchase digital assets using fiat currency. The platform provides secure payment processing and compliance verification for cryptocurrency purchases.

Koywe Payments is a payments infrastructure product that lets businesses collect and pay funds internationally across multiple Latin American markets and beyond. It processes pay-ins through payment links, hosted checkout, and in-person QR payments, and pay-outs to suppliers and other third parties, using local payment methods in each country. Companies, fintechs and payment service providers access the service through a single platform or API, receiving fee and exchange-rate quotes before confirming each transaction. The product also enables merchants to accept point-of-sale payments from foreign customers in the customer's local currency while settling in the merchant's own currency.

Koywe Stablecoins is an on/off-ramp product that lets businesses convert local currency to and from stablecoins for cross-border treasury operations. It offers a self-serve Ramp for smaller, instant conversions and a dedicated OTC desk with specialist-assisted execution for high-volume trades, both accessed through the same platform and API. Users can buy or sell stablecoins across multiple supported blockchain networks, hold balances for operational use, and withdraw converted funds to local bank accounts. The service targets companies needing faster and cheaper alternatives to traditional wire transfers for moving money across Latin America and other regions.

Vortex is an on/off ramp application that lets individuals buy and sell cryptocurrency directly against local fiat currencies. It routes transactions through a decentralized exchange built for stablecoin-to-stablecoin conversion, connecting local payment rails such as bank transfers to crypto settlement across multiple blockchains. The service is non-custodial, meaning user funds move directly between wallets and regulated local partners rather than through Vortex-held accounts, with fees advertised as low as 0.25 percent.

Vortex API and Widget is a business-facing integration layer that lets companies embed fiat-crypto on-ramp and off-ramp functionality directly inside their own applications. It provides a hosted checkout widget along with a programmatic exchange API and software development kit, handling quoting, KYC and KYB, compliance, and settlement so partner businesses can add ramp functionality without building their own infrastructure. The system connects to regulated local partners and stablecoin liquidity routes to convert between fiat currencies and cryptocurrencies, and supports both manual widget embedding and automated, backend-driven settlement triggered from custody wallets, multisigs, or smart contracts.

Amber Premium Digital Wealth Management is a managed investment platform for institutional and high-net-worth clients seeking structured digital asset exposure. It offers structured investment products such as dual currency strategies and regulated strategic funds that combine centralized and decentralized liquidity. The platform also provides collateralized lending against digital asset holdings and a regulated fiat on/off-ramp for converting between crypto and fiat currencies. Clients access these services through dedicated web and mobile applications supported by a personal relationship management model.

Crystal Trade Exchange is an instant cryptocurrency exchange that converts digital assets to other cryptocurrencies or to fiat currency payouts without requiring mandatory user registration. It offers both floating market-based rates and fixed locked-in rates, settling transactions within roughly ten to thirty minutes after network confirmation. The platform also provides a Telegram-based exchange bot, a public API for automating exchanges and payouts, price charts and rate calculators, an affiliate program for referral earnings, and an anti-money-laundering wallet-check tool, all accessed through the same account and website.

CoinCola is a crypto trading platform that combines a peer-to-peer marketplace with spot and margin trading and gift card trading. On the P2P market, users buy and sell crypto with local payment methods such as bank transfers and mobile wallets, with CoinCola holding the crypto in escrow until payment is confirmed. The spot exchange lists crypto pairs with margin trading, and gift cards from global brands can be redeemed or sold for crypto. CoinCola Express lets users send money to Nigeria by selling bitcoin for naira, and an Instant Buy option sells crypto through a third-party provider. Nigerian businesses can also use an institutional OTC desk to convert naira into stablecoins and other major assets.

Deskoin Web3 Infrastructure is a fiat on-ramp and off-ramp solutions with MiCA-compliant payment processing, enabling crypto-to-euro conversion and token sale facilitation. The system provides treasury management, ICO distribution, and seamless Web3 user onboarding for startups.

Kingdom Bank Currency Exchange is a foreign exchange service that lets account holders convert between a wide range of fiat currencies and select digital assets. Users select a source account, enter an amount, and confirm a quoted rate for instant conversion within their bank account. The service is built into the online banking platform and supports business and personal foreign exchange needs alongside a dedicated account manager.

Ivy Treasury is a multi-asset treasury management stack via API, supporting real-time FX execution across major fiat pairs and 24/7 fiat-to-stablecoin conversion. Businesses can automate asset conversion on receipt or payout, hold balances across local multi-currency IBANs, and trigger configurable USDC settlements to external wallets. The system operates outside banking hours, removing cut-off time constraints from treasury and settlement workflows.

OSL Pay is a crypto on-ramp and off-ramp service that lets businesses add fiat-to-crypto and crypto-to-fiat conversion to their platforms. Integrations run through a full-stack API suite or a hosted ramp widget, with liquidity drawn from multiple global providers and one-on-one account management. The service also offers crypto-native banking for fiat-crypto transactions and USD corporate cards for businesses.

Revolut Ramp is an on/off ramp service that lets users buy cryptocurrency directly into self-custody wallets through partner integrations. It converts fiat funds from Revolut balances or cards into crypto, supporting multiple tokens, blockchains, regions, and fiat currencies. The service is aimed at businesses and their customers who need a fast, integrated way to purchase crypto without separate KYC steps for existing Revolut users.

Mesh Payment Network is a payments infrastructure and orchestration platform that connects merchants, wallets, and financial platforms through a single API integration. It enables customers to pay, deposit, and receive payouts directly from their existing exchange and wallet accounts, converting between crypto, stablecoins, and fiat currencies across multiple blockchains. The platform also verifies wallet and exchange account ownership for compliance purposes and routes stablecoin-based settlement to reduce cost and latency compared to legacy payment rails. Businesses use it to accept crypto payments, fund user accounts, send global payouts, and offer embedded on- and off-ramp conversion without building separate integrations for each function.

CoinDCX Exchange is a centralized cryptocurrency trading platform that provides spot, margin, futures, and options trading alongside instant INR-to-crypto purchases and passive earning features. Users deposit funds into platform-controlled accounts and place orders that are matched through a centralized order book, with automated KYC onboarding for INR users. The platform also offers instant buy and sell of cryptocurrencies using UPI or IMPS and access to global futures markets from a single account. It supports a wide range of digital assets across multiple blockchains.

Noble Express is an interface for Circle's Cross-Chain Transfer Protocol (CCTP) that enables native USDC transfers between Noble and other blockchain networks without custodial bridging.

Radom is a merchant payment gateway that enables businesses to accept cryptocurrency and stablecoin payments through hosted checkout pages, payment links, and invoicing tools. The platform lets merchants manage recurring subscription billing, generate dedicated deposit addresses for customer attribution, and connect bank-led collection through virtual accounts and open banking. It also provides crypto-to-fiat conversion, stablecoin settlement, and bulk payout tools for disbursing funds across multiple blockchains and currencies. Businesses and payment service providers use the platform's dashboard and APIs to embed these payment, collection, and treasury functions into their own products.

Belo is a self-custody-adjacent neobank application offering consumers in Latin America a combined fiat and cryptocurrency account. Users hold balances in local currencies and digital assets, make QR code and Pix payments, exchange between currencies, buy gift cards, automate recurring purchases and savings, pay bills, and spend through an associated payment card. The app processes deposits and withdrawals across multiple blockchain networks and supports a range of cryptocurrencies and stablecoins.

ChainRails is a merchant payment gateway that lets businesses accept cryptocurrency and fiat payments from any supported blockchain, token, or currency through a single integration. It processes transactions with an intent-based architecture that escrows funds on-chain, automatically routes and swaps or bridges them, and settles to the recipient's preferred chain, token, or bank account. Businesses integrate through an embeddable payment modal, direct API and SDK calls, or contract-level integration, and can generate shareable payment links, manage deposits and withdrawals, and sponsor network fees for end users through a paymaster feature. A dashboard provides visibility into volume, revenue, and API configuration. Fiat conversion and identity verification are handled through integrated ramp and KYC flows.

UTORG On-Ramp is a fiat-to-crypto purchase service for consumers and a merchant integration for Web3 apps. It supports card and local payment methods with built-in KYC/AML and fraud protection, while businesses embed a widget or API and rely on UTORG for compliance, verification, and user support. The service also offers embedded on/off-ramp infrastructure that lets partner platforms give their own users access to multiple local payment methods for fiat-to-crypto onboarding.

Utorg App is a self-custody crypto wallet and payment hub for consumers. It lets users store crypto assets, buy crypto through an integrated purchase flow, and swap between tokens directly within the application. The app also serves as the access point for obtaining a non-custodial Visa card that converts crypto balances to fiat at the point of sale, letting holders spend at physical terminals, online stores, and through mobile pay wallets, with the card currently available to users in EEA countries. The app is available on Android with an iOS release pending.

AX ONE is a payments infrastructure platform offering multi-currency accounts and cross-border stablecoin and fiat settlement for institutions. It supports major currencies with continuous inflow and outflow, routing transfers over stablecoin and local payment rails with on/off ramp capabilities under compliance screening. The platform anchors a multi-chain institutional stablecoin network connecting banks, payment service providers, virtual asset exchanges, and liquidity providers for real-time global settlement.

CCPayment Payment Gateway is a merchant payment gateway that lets businesses accept cryptocurrency payments through an API or no-code checkout links. It converts incoming payments across multiple blockchains and tokens, applies volume-based service fees, and settles funds to merchant balances without exposure to chargebacks. Merchants can also access built-in token swaps, crypto-to-fiat settlement, discounted network-fee funding for withdrawals, and invoicing tools from the same account. The gateway is used by e-commerce, SaaS, and forex brokerage businesses seeking to accept and manage crypto payments alongside traditional settlement needs.

Daimo Pay is a payments infrastructure product that lets stablecoin applications accept deposits from users across multiple countries and payment methods. It routes incoming funds from bank transfers, card payments, exchanges, and self-custody wallets, converting and bridging them automatically to a destination stablecoin on a chosen blockchain. Neobanks and stablecoin apps use it to onboard users through localized payment rails without building country-specific integrations themselves.

Rain Cards is a payments infrastructure platform that provides businesses with a unified API for stablecoin-native financial services. It enables wallet provisioning, fiat on-ramps and off-ramps, virtual accounts, payments, and card issuance through a single integration and shared account verification. Businesses use it to build card programs and payment products without managing separate banking or blockchain integrations for each function. Reward mechanics for cardholders are built natively into the issuing capability rather than offered as a separate service.

KiiChain Pay is a hybrid centralized-decentralized exchange and payments platform for onchain foreign-exchange trading and cross-border settlement, formerly operated as KIIEX. It sources liquidity across multiple blockchain ecosystems while using a centralized pricing engine to hedge and rebalance positions, enabling continuous FX swaps and instant cross-border payment finality using local stablecoins. Users and businesses access the platform through a hosted account or developer APIs to execute swaps, payments, and fiat conversions without relying on traditional banking rails. The platform also provides on and off ramps for converting between fiat currencies and onchain balances.

On & Off-Ramping is a conversion service that enables movement between fiat currencies, stablecoins, and other digital assets. It functions as a white-glove OTC service where users select a currency pair, fund a trade, and receive the purchased currency either into their platform balance or a third-party account. The product serves businesses and wealth structures needing high-value fiat-to-crypto and crypto-to-fiat settlement.

Chainpaye is a WhatsApp-based payments platform for cross-border transfers and stablecoin off-ramps aimed at individuals and families moving money across Africa and abroad. Users issue chat commands to send, receive, and convert multiple fiat currencies, generate payment links, and off-ramp stablecoins directly to a bank account or mobile money. Settlement routes through stablecoins across multiple blockchains, with crypto-to-bank conversions completing in under a minute. The platform also offers a tiered spending card that lets users pay with stablecoin balances at physical and online merchants.

FinchPay On-Ramp & Off-Ramp is an on/off ramp service that lets individuals and businesses convert between fiat currencies and cryptocurrencies. It operates through an embeddable web widget and partner APIs, supporting card payments, bank transfers, and other local payment methods across multiple countries. Businesses can integrate a white-label calculator or a Telegram-based checkout flow, with webhook notifications for transaction status, while the service supports conversion into a range of digital assets across multiple blockchains.

FinchPay Business is a white-label on/off ramp solution that lets crypto wallets, exchanges, media platforms, and banks embed fiat-to-crypto and crypto-to-fiat conversion into their own products. It provides an adaptive, customizable widget combining currency conversion, payment processing, and identity verification, alongside a partner API for deeper integration. Partners access an administration dashboard to monitor transactions, track statistics, and withdraw revenue, with support for card payments and several regional payment methods.

Busha Business is a B2B financial services platform that gives African businesses fiat-to-crypto on and off-ramp access, multi-currency treasury accounts, and corporate card issuance. It enables companies to convert between local currency and digital assets, hold and manage balances across currencies, and issue cards for business spending. The platform also provides asset-backed credit through partner arrangements and a developer API for programmatic access to accounts, payments, and transfers. It is accessed through its own signup flow and dashboard, separate from the consumer Busha app.

BTC Direct is a retail cryptocurrency broker enabling users to buy and sell crypto assets using European payment methods including bank transfer, iDEAL, Bancontact, Sofort, Visa, and Mastercard. The platform acts as a direct counterparty on all transactions on a non-custodial basis, with users retaining custody of their own wallets. Supported assets include Bitcoin, Ethereum, XRP, Solana, BNB, and dozens of other cryptocurrencies.

AlixPay On & Off Ramp is a fiat-to-crypto on-ramp and off-ramp service that businesses embed in their apps, websites, and wallets. Partners integrate it through a referral link, a widget, an SDK, or REST APIs for quotes, orders, and supported currencies, with checkout hosted by AlixPay or embedded in the partner's site. Users pay with cards or local bank transfers, while the service handles identity verification, liquidity sourcing, and settlement for the partner.

AlixPay NFT Checkout is a fiat checkout that lets users buy NFTs with credit cards, debit cards, and local payment methods. Creators, brands, and marketplaces embed it through a widget or APIs, and buyers receive full non-custodial ownership of the NFT in their own wallet. It serves both primary sales and secondary marketplace purchases.

ForumPay is a merchant payment gateway that lets businesses accept cryptocurrency payments online and in person. It provides checkout widgets, payment buttons, payment links, and a virtual terminal that convert crypto payments instantly into a merchant's preferred fiat currency. The platform also supports recurring subscription billing, automated mass payouts and disbursements, invoice-based billing, over-the-counter trading, remittance transfers, and fiat-to-crypto conversion. Businesses across e-commerce, retail, and service industries use it to accept and send multiple cryptocurrencies without exposure to price volatility.

CoinFlip ATMs is a network of physical kiosks, staffed cashier locations, and an online checkout that let people convert cash or a debit card into cryptocurrency and back. Users insert cash or scan a wallet address at a kiosk, complete an online debit-card purchase, or visit a staffed cashier location for larger, human-assisted transactions, with all purchases confirmed on-chain and delivered to a specified wallet. Each channel relies on the same account and identity verification, and cashier locations support larger daily transaction amounts than a self-service kiosk. The service serves individuals who prefer in-person, cash-based, or quick online purchases across several supported digital assets.

CoinFlip Gradual is a workplace program that lets employees automatically convert a portion of each paycheck into bitcoin and other digital assets using post-tax income. Employers add a payroll deduction with no system integration required, while employees select allocation amounts that adjust each pay period. The program is aimed at organizations seeking to offer a recurring crypto-purchase benefit to their workforce.

CFX Payment Infrastructure is a payments infrastructure and orchestration platform that aggregates multiple U.S. and international money movement rails, including retail cash deposits, ACH, wire, and cross-border transfers, behind unified APIs. It lets developers and businesses convert between fiat currency and digital dollars, issue and manage stablecoin balances, and settle transactions across supported blockchains. The platform includes hosted wallet infrastructure that lets partners embed self-custodial balances and cash acceptance into their own apps, alongside built-in identity verification for onboarding. Businesses can also route idle balances into a treasury feature that converts supported stablecoins into yield-bearing balances. Additional tools cover a customer dashboard, transaction webhooks, and a rewards engine for driving user activity.

Alphalox Exchange is a centralized cryptocurrency exchange offering spot, futures, and margin trading from one custodial account. Futures support leverage with isolated or cross margin, and orders can carry stop-loss, take-profit, and one-cancels-the-other instructions. Savings plans automate recurring purchases using preset or custom strategies, while grid, dollar-cost averaging, and signal bots automate trading. Users can also request individual interest offers from licensed issuers, browse curated token listings on a launchpad, and practice in a demo mode with virtual funds. Euro deposits and withdrawals run by bank transfer.

A regulated fiat-to-crypto exchange platform combining on-ramp, off-ramp, and swap services through a custodial wallet system. Users deposit euros via bank transfer, card, or digital payment methods to purchase cryptocurrencies that are sent to user-controlled wallets, or sell crypto back to fiat with same-day bank settlement. The platform routes all fiat-to-crypto purchases through USDC as an intermediary before converting to the target cryptocurrency, aggregates liquidity across decentralized exchanges for optimal swap pricing, and stores user funds in insured custodial wallets with optional semi-custody backup recovery.

Anchor in a Box enables fintechs to join the Stellar ecosystem as licensed money service businesses through fiat-to-crypto conversion infrastructure. The system provides KYC integration, SEP-6, SEP-24, and SEP-31 compliance for on-ramp and off-ramp operations.

Azza AI is a WhatsApp-based agent that lets users buy, sell, swap, and bridge crypto through chat commands. It converts crypto to local currency and back, enabling instant cashouts to bank accounts or mobile money, and lets users send crypto to contacts using a phone number instead of a wallet address. The agent also lets users track balances and manage assets without leaving WhatsApp, requiring a brief identity verification step before trading.

AllTrust.me Exchange Platform is a centralized on/off ramp letting individuals convert cryptocurrency to fiat and back through a website, mobile app, or physical offices in Tbilisi and Batumi. Users complete KYC verification, then exchange via card payment, bank transfer, or cash across multiple supported blockchains and assets, with transactions typically settling within minutes. The service operates under a licence from the National Bank of Georgia and offers a discount when transactions are made through the mobile app rather than the website.

Fuze OS is a digital asset infrastructure platform that lets banks, fintechs, and other businesses embed crypto trading, custody, payments, and stablecoin services into their own products. It provides unified APIs for wallet creation, fiat and crypto account management, trading execution, and compliance monitoring. The platform handles order execution, custody orchestration, and reconciliation while giving operators a dashboard to track transactions and compliance events. It supports fiat-to-crypto conversion, cross-border settlement, and AI-assisted compliance automation. Businesses use it to launch branded trading, payment, and wallet experiences without building regulatory or custody infrastructure themselves.

Fuze Business is a cross-border payments platform that lets companies pay, collect, and convert funds across multiple fiat currencies and stablecoins from a single account. It provides multi-currency balances, real-time conversion between fiat and stablecoins, and a dashboard for tracking transactions and settlements. Businesses operating across trade corridors with limited banking access use it to settle payments faster and reconcile balances in one place.

Partna API is a payments infrastructure and orchestration platform that connects African currencies to global stablecoin markets. It lets businesses collect payments in local currency, convert between fiat and stablecoins, and settle in USD or stablecoins through a single programmatic interface, including pre-built onramp and offramp widgets for embedding conversion flows. Developers integrate the API to build onramp, offramp, collection, and payout features within their own products, with compliance and KYC handling managed by the platform. It supports conversions across multiple stablecoins and settlement currencies for businesses operating between African markets and global counterparties.

Swypt is an on/off-ramp platform that converts between cryptocurrencies and fiat currencies using mobile money payments. Users deposit fiat to purchase crypto or send crypto to receive mobile money payouts, with self-custodial wallet connections and social login options. The platform routes conversions across multiple blockchain networks and settles payouts through local mobile money and banking rails.

meCash Ramp is a digital asset conversion service that enables users to convert between digital assets and fiat currencies. The platform provides on-ramp and off-ramp capabilities, allowing transfers between crypto wallets and traditional currency accounts across multiple blockchain networks.

Crypto Exchange Service is an in-branch on/off ramp operated by Rex Change in Geneva, letting individuals and professionals convert cash into cryptocurrency and back without an appointment. Staff verify client identity and wallets on site and apply anti-money-laundering and know-your-customer checks once transaction amounts cross regulatory thresholds. The service handles a range of major cryptocurrencies and stablecoins, with certain stablecoins settled across multiple blockchain networks. Tiered rates apply depending on transaction size, and funds can also be settled by bank transfer in Swiss francs, euros or pounds.

ChangeHero Fiat On-Ramp is an on and off-ramp service that lets users buy and sell cryptocurrency using bank cards and regional payment methods. Purchases and sales are routed through licensed third-party payment providers, including entities regulated in Lithuania and Canada, so ChangeHero itself never holds user funds in custody. Smaller transactions can qualify for reduced or waived identity verification depending on the processing provider and the user's region.

Stripe Fiat-to-Crypto Onramp facilitates cryptocurrency purchases through embedded or standalone interfaces, enabling users to buy crypto assets with card payments or bank transfers while handling KYC and compliance requirements.

Toobit Trading platform is a centralized exchange for buying, selling, and trading cryptocurrencies. It offers spot trading, perpetual futures, event and prediction contracts, and a decentralized exchange aggregator for on-chain tokens, all accessible from a single account. Users can also access a launchpad for new token listings, instant asset conversion, copy trading, automated trading bots, peer-to-peer trading, card and third-party fiat purchases, yield products, and API-based trading automation. The platform additionally provides AI-driven market insights and integration with third-party charting tools for order execution.