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

XBTO Hub is an institutional digital asset platform that consolidates trading, custody, and investment access into a single account. Clients execute spot trades, hold assets in bankruptcy-remote custody, and access managed investment strategies from one unified interface rather than separate standalone tools. The platform ties together XBTO's trading, custody, and asset management services for institutional users.

Velafi On/Off Ramp is a conversion service for businesses to move funds between fiat currencies and stablecoins or other digital assets. It converts incoming fiat deposits into stablecoins and stablecoin balances back into local fiat, settling to bank accounts or wallet addresses. Businesses use the same platform to accept stablecoin payments from customers, with dedicated wallet addresses and virtual fiat accounts provided for collection and settlement, accessible via dashboard or API.

Speed Wallet is a self-custody Lightning Network wallet for storing, sending, and receiving Bitcoin and other supported digital assets. It lets users buy assets instantly through cards or bank transfers, swap between Bitcoin, stablecoins, and a gold-backed token, and pay for goods and services at supporting merchants. The wallet targets everyday consumers seeking fast, low-fee transactions across multiple blockchains, with mobile, web, browser extension, and messaging-app access points.

Speed Merchant is an enterprise payment infrastructure platform that enables businesses to accept, send, and settle Bitcoin and stablecoin payments over the Lightning Network. It provides checkout and payment link tools for accepting payments, instant global payouts, and onramp and offramp services for converting between fiat and digital assets. Businesses integrate the platform through APIs and point-of-sale tools while accessing compliance features to meet regulatory requirements across multiple jurisdictions. The platform serves global businesses seeking low-fee, near-instant settlement in place of traditional payment rails.

VirgoPAY is a payments platform that enables on- and off-ramp conversion between stablecoins and fiat currencies. It supports global remittance and stablecoin-based payments with instant settlement for individuals and businesses moving value across borders. The service targets users needing fast conversion between digital and traditional currencies across multiple countries.

Echo Money is a financial infrastructure platform for businesses. It provides multi-currency account issuance, cross-border payment routing across local bank rails, SWIFT, SEPA, and stablecoin corridors, card processing, treasury management, and a double-entry ledger with automated reconciliation, all accessible via a web dashboard and a whitelabel REST API. The platform connects to multiple local payment rails including UPI, PIX, M-Pesa, and SEPA Instant, and supports stablecoin settlement using USDC, USDT, and EURC across multiple networks. Payments are routed automatically to the fastest available rail, with most transactions settling in under one minute.

Fizen Super App is a non-custodial crypto wallet that lets users store, spend, and move digital assets for everyday and travel-related needs. It enables buying and selling crypto with local fiat, sending cross-border transfers, paying local merchants by scanning a QR code, and purchasing travel extras such as eSIM data plans, gift cards, and phone top-ups, with an added interface for browsing tokenized stock and ETF exposure issued by a third party. Users manage all of these functions through a single self-custody account without giving up control of their private keys. The app is aimed at individuals who want to use stablecoins and other crypto assets for daily spending and travel.

Deus X Pay is a regulated stablecoin payment gateway that enables businesses to accept cryptocurrency payments, process deposits and withdrawals, and convert digital assets to fiat currencies. It supports business wallets with static deposit addresses, dynamic invoicing, and API, SDK, and widget integrations for embedding crypto payments into existing checkout flows. Institutional clients can also execute programmatic over-the-counter crypto trades through the platform's trading desk. Access and administration are handled through a merchant console.

Airtm Digital Wallet is a neobank platform for freelancers and remote workers that provides digital dollar accounts and payment tools. Users fund accounts through hundreds of local payment methods, hold balances in a dollar-pegged stablecoin, and cash out via peer-to-peer exchange or bank withdrawal. The platform also issues a US Virtual Account with ACH details, a Euro Virtual Account, a USD virtual card, QR-based payments, shareable payment links, and access to yield-bearing investment options and credit. Direct integration with a separate payout service allows users to withdraw funds from connected accounts.

Borderless Network is a payments infrastructure platform that connects businesses to a network of regulated stablecoin on- and off-ramp providers for cross-border payments. It provides a single API that routes transactions to local partner financial institutions, enabling stablecoin-to-fiat conversions, collections, payouts, and transfers across multiple countries and currencies. The platform includes tools for provider selection, rate comparison, reliability tracking, compliance orchestration, and settlement across external custody or wallet infrastructure, letting fintechs, payment companies, and financial institutions manage an entire provider network from one operational layer.

Align API is a payments infrastructure platform that lets businesses collect and pay out funds across borders through named multi-currency bank accounts and stablecoin rails. It combines fiat-to-stablecoin and stablecoin-to-fiat conversion, cross-chain stablecoin transfers, and locally issued virtual accounts with IBANs or local account numbers behind a single set of API endpoints. Businesses use it to run global payment corridors, e-commerce settlement, payroll, and trade payments without opening local banking entities in each country. The platform manages currency conversion at prevailing market rates, connects to local clearing rails, and screens transactions for regulatory compliance.

Cashramp is a peer-to-peer stablecoin on and off ramp enabling cross-border payments across Africa. Agents in its network escrow stablecoins and set exchange rates between US dollars and local currencies to process deposits and withdrawals for users. The service settles transactions through an escrow-secured system, with agents earning fees on completed transactions.

Flipeet Pay is a stablecoin payment application and infrastructure platform that lets individuals and businesses send, receive, and spend stablecoins while paying and settling in local currency. It provides multi-currency virtual accounts, on-ramp and off-ramp conversion between fiat and stablecoins, and tools such as no-code payment links and a direct API for merchant checkout integration. Individuals can also access tokenized asset investing, including tokenized equities, directly within the app. The platform includes KYC and AML compliance checks and serves both personal users and businesses across multiple countries.

Swapin is a crypto payment platform that lets businesses and individuals convert between digital assets and fiat currencies. It provides payment links and API tools for merchants to accept crypto and stablecoin payments, personal tools to buy or sell crypto against fiat, and an embeddable widget that lets Web3 platforms offer on-ramp and off-ramp functionality within their own interfaces. The platform operates as a non-custodial service, settling fiat through dedicated bank accounts and cross-border transfers within Europe. Businesses can also use it to pay invoices or bills using cryptocurrency holdings.

swap.coffee Onramp is a fiat-to-crypto conversion tool accessible at its own address that lets users buy cryptocurrency with traditional payment methods. Users select a fiat amount and receive TON or other supported assets through a third-party conversion partner integrated into the interface. The tool functions independently of the swap and yield features on the main platform.

Bullring Finance is an application programming interface and over-the-counter payments platform that lets businesses collect, convert, and pay out funds across borders. It combines local currency collection, cross-border settlement over stablecoin rails, and payouts in local currency into a single programmable layer, with fiat-to-stablecoin and stablecoin-to-fiat conversion handled through regulated partners. Businesses integrate through an application programming interface, web widgets, or plugins to manage multi-currency virtual accounts, process remittances, and view treasury positions across markets from one dashboard.

Pionex is a centralized cryptocurrency exchange integrating automated trading bot strategies, including Grid, Futures Grid, DCA, Infinity Grid, Leveraged Grid, and Signal Bot, that execute in the cloud. The platform provides spot trading, USDT-M and COIN-M perpetual futures, earn products including staking, savings, dual investment, and spot-futures arbitrage, tokenized real-world assets including stock and precious metals tokens, and fiat-to-crypto on-ramp services via card and bank transfer.

Saber Money is a stablecoin-based payment infrastructure offering fiat-to-crypto onramp and crypto-to-fiat offramp services for cross-border payments. It processes fiat payments through local payment rails, converts funds to stablecoins at real-time exchange rates, and settles value on-chain before delivering local currency payouts or crypto to a wallet. Merchants integrate through REST APIs or a hosted SDK with prebuilt widgets, using built-in KYC and AML compliance modules, webhook-based transaction tracking, and a merchant dashboard for account and transaction management. The platform also supports business-facing multi-currency account management for holding and moving funds across markets.

Cashinout is a neobank offering multi-currency wallet accounts, virtual card issuance, and crypto-to-fiat conversion through a single account. Users hold and exchange multiple currencies, top up balances, withdraw to payment cards, and pay at physical merchants by scanning QR codes that trigger automatic cryptocurrency-to-fiat conversion. Business account holders can accept payments through a merchant center, generate payment links, integrate acceptance via an API, and process batch payouts for salaries, commissions, or rewards. The platform is accessible through a web app, mobile apps, and a Telegram bot, and also issues virtual cards for advertising and media-buying spend.

Monease is a self-custodial exchange platform that processes crypto-to-crypto swaps, fiat-to-crypto purchases, and crypto-to-fiat conversions through an automated order system. It supports floating and fixed rate options and screens transactions via AMLBot for compliance. Users can convert crypto to payment services including PayPal, Wise, Revolut, SEPA, and SWIFT.

BiKing Exchange is a centralized cryptocurrency exchange offering spot trading, perpetual futures, and related derivatives products to retail and institutional traders. Perpetual futures support cross-margin and isolated-margin modes with funding payments exchanged between long and short positions on a regular schedule, while grid trading automation and copy trading let users automate strategies or mirror other traders. The platform also provides a token swap function, crypto earn products, a launchpad for new token offerings, a GameFi zone for blockchain gaming assets, and fiat-to-crypto purchase options through C2C and third-party channels. It is accessible through a web interface, mobile apps, and an API.

Neoflow Crypto is a business crypto management service enabling companies to accept, hold, and convert multiple cryptocurrencies, including bitcoin, ether, and a dollar stablecoin, alongside fiat balances. Received payments can be converted to fiat at spot rates instantly or retained as crypto treasury, with multi-currency wallet addresses, crypto-to-crypto conversions, and bulk payout functionality for affiliates and contractors. All transactions are automatically screened for AML and KYC compliance.

Capa API is a payments infrastructure platform that lets fintechs, financial institutions, and corporations move money between fiat and crypto across Latin America. It provides on-ramp, off-ramp, and cross-ramp transaction capabilities through a single integration, converting between local bank accounts and crypto wallets and settling cross-border fiat transfers. The platform also provides foreign-exchange liquidity and market making to support instant settlement and cross-border rate execution. Partners access the platform through a unified account, dashboard, and developer sandbox rather than separate applications.

Gaian Payment Platform is a stablecoin payment infrastructure product that enables borderless QR code payments and cross-border transfers with automatic conversion to local currency. It provides an API gateway and open-source SDK for businesses to embed stablecoin payments into their own platforms, alongside a hosted QR scanner and checkout for end users. The platform also issues embedded wallets so users without existing crypto wallets can hold and convert multiple stablecoins, and supports on and off-ramp conversions between stablecoins and local fiat currencies through licensed banking and payment-service partners. It operates across multiple blockchains and settles payouts through local banking rails in several Asia-Pacific markets.

Gate TR Centralized Exchange is a centralized cryptocurrency exchange that lets users trade Turkish lira against more than 400 digital assets. It provides spot order book trading alongside a fee-free conversion tool for direct asset-to-asset swaps, and supports lira deposits and withdrawals through local bank transfers. The platform is accessible via web and mobile applications and publishes periodic proof-of-reserves audits.

Rio is a stablecoin foreign exchange platform that enables businesses and institutions in Latin America to convert between local currencies and stablecoins. It provides real-time on-chain conversion, an over-the-counter desk for large bilateral trades, and continuous liquidity and market-making services for exchanges and fintechs. Developer APIs let companies embed stablecoin conversion and pay-in and pay-out flows directly into their own applications. All offerings share a single account and platform, serving fintechs, exchanges, and institutional clients seeking access to stablecoin liquidity across multiple currencies and blockchains.

ARQ is a digital financial account for consumers that provides digital dollar and euro balances alongside a payment card. It converts local currency into digital dollars or euros, issues account details for receiving international transfers, and provides a card for spending abroad and domestically with cashback rewards. Users in Latin America also access peer-to-peer transfers, bill payments, and Brazil-specific instant payments through the same app. The platform supports balances denominated in multiple stablecoins across several blockchain networks.

BlindPay API is a stablecoin payments infrastructure platform that lets businesses send and receive cross-border payments through a single interface. It orchestrates stablecoin transfers, local payment rails, and virtual account issuance, converting between fiat currencies and stablecoins in real time. Businesses use it to move funds internationally, open named multi-currency virtual accounts for their customers, and screen transactions through integrated identity verification and monitoring. The platform is accessed through a developer API and dashboard covering payins, payouts, quotes, and wallet registration across multiple blockchain networks and traditional bank rails.

Alfred Pay Platform is a cross-border payments infrastructure product that connects stablecoin rails to local banking systems across Latin America. It provides businesses with virtual local bank accounts, converts between stablecoins and local fiat currencies, and settles cross-border payments in near real time through a single API. Fintechs, crypto platforms, and trade and logistics companies use it to collect and disburse local payments and manage multi-currency operations without establishing local entities. The platform also connects to a partner cash-out network, letting digital wallet holders convert balances into cash at physical agent locations.

Asterium Exchange is a centralized cryptocurrency exchange that lets users in Uzbekistan buy, sell, and trade digital assets against the local currency and other fiat. It operates through an online trading platform alongside a physical office where customers can complete exchanges in person. The service targets both newcomers and active traders with a simplified interface, and it also functions as a fiat-to-crypto conversion point through its retail exchange desk.

MoraBanc Off-Ramp Services enables conversion of digital assets to fiat currencies through regulated banking infrastructure, providing secure asset repatriation with full compliance and provenance verification.

Apex is a consumer cryptocurrency exchange and payments app that lets users buy, sell, and swap digital assets alongside everyday financial tasks. The app supports fiat and crypto wallets, gift card trading, utility bill and airtime payments, and issuance of a virtual USD card for online spending. It is aimed at individual retail users seeking a single mobile and web platform for crypto trading and day-to-day payment needs. Users fund wallets through bank transfer, peer-to-peer transfer, or crypto deposits across supported blockchain networks.

HoneyCoin is a payment orchestration platform aggregating multiple payment providers, processors, and blockchain rails into unified API infrastructure for cross-border business payments. Users hold funds in multi-currency wallets supporting fiat and stablecoins, collect payments via bank transfers and mobile money, execute payouts across various markets, convert currencies through an OTC desk, issue virtual cards for expenses, and process bulk payouts for payroll operations.

Ping is a payments infrastructure platform that provides unified APIs, hosted checkout sessions, embeddable payment widgets, and a fiat-to-crypto on-ramp for accepting cryptocurrency payments across multiple blockchains. It uses cross-chain intent routing so payers can pay in any supported currency while payees receive their preferred asset, with checkout links, card-based payment acceptance, and a command-line tool available. The platform is designed for merchants, developers, and autonomous agents needing borderless payment flows, and additional features such as recurring subscriptions and an account layer are in development.

Minisend is a cross-chain stablecoin settlement platform that lets individuals and businesses deposit USDC or USDT from multiple blockchains into a single address and convert the balance to local currency. The platform settles payouts to mobile money accounts such as M-Pesa or to local bank accounts across supported African markets. Beyond the consumer app, it offers a merchant dashboard with hosted checkout, payment links, invoicing, and scheduled auto-settlement, alongside off-ramp, on-ramp, and wallet APIs for developers to embed the same conversion and settlement flow into their own products.

Kaprex is a financial services platform that combines stablecoin rails with traditional banking infrastructure to facilitate cross-border payments, currency conversion, and merchant settlement. Users receive virtual accounts for USD, EUR, and GBP deposits, hold balances as stablecoins across multiple blockchain networks, and convert between fiat and crypto at market rates. The platform also provides a stablecoin-funded payment card, local payout rails for African markets, stablecoin savings yield, and API access for business integrations.

OrangeX Exchange is a centralised trading platform for spot, perpetual futures, and copy trading in digital assets. Users trade against exchange-matched order books after depositing funds into platform-controlled accounts, with fiat-to-crypto quick buy and deposit options handled through connected third-party payment channels. The platform also offers convert functionality for instant token swaps, flexible and fixed-term crypto earn products, dual asset earn, demo trading, and an arbitrage dashboard comparing prices across exchanges, all accessed through one web and mobile application account.

Payouts Platform is a unified payments infrastructure and orchestration platform that lets businesses move, manage, and automate money through one ledger and API. It routes payouts and collections across dozens of banking rails, cards, and on-chain stablecoin transfers, while automating accounts payable and receivable, tax form collection, reconciliation, and approval workflows. Vendors, clients, and internal teams access dedicated portals, and the same functionality is exposed to AI agents through a Model Context Protocol interface and agent payment protocols. Businesses use it to consolidate global disbursements, collections, compliance checks, and card issuance within a single audited system.

Rail Payment Infrastructure is a payments orchestration platform that lets businesses accept, convert, and settle funds across fiat currencies and stablecoins through a single API. It aggregates deposit accounts, currency exchange, on-ramp and off-ramp conversions, embedded wallets, and collections into one unified account structure, routing transactions across multiple banking partnerships and blockchain networks. Businesses use it to move value across borders, hold multi-currency balances, and access request-for-quote pricing for large conversions without integrating each capability separately.

Taran App is an on/off ramp that converts stablecoins to and from local mobile money, accessible through a web client portal and mobile apps. Users create an account, choose a conversion direction between mobile money and a stablecoin, enter transaction details, and confirm the exchange. The service targets individuals in East and Southern Africa who rely on mobile money accounts, enabling them to buy, sell, and move stablecoins across multiple blockchain networks.

LBank Exchange is a centralized cryptocurrency exchange offering spot and futures trading, along with margin, leveraged tokens, and tokenized traditional-market instruments settled in a dollar stablecoin. The platform provides copy trading that lets users mirror strategies from other traders, automated grid trading bots, peer-to-peer transfers, and a token launchpad for early-stage projects. It also offers flexible and locked staking programs, fiat on-ramps across multiple payment methods and currencies, and a linked payment card for spending crypto balances at merchants. Users manage all of these functions through a single account and interface, with access via web, mobile apps, and API. The exchange supports trading across a wide range of cryptocurrencies and multiple blockchains.

Vent App is a mobile and web application that converts cryptocurrency into Nigerian Naira and provides a dollar-denominated stablecoin balance for holding value. Users generate deposit addresses for supported digital assets and choose between an instant payout mode that settles Naira directly to a linked bank account, or a savings mode that converts deposits into a dollar-pegged stablecoin held in the app until withdrawal. The stablecoin balance can later be withdrawn as Naira or converted to other stablecoins, and the app supports Bank Verification Number based identity verification and multiple linked payout accounts.

Cajero is an on/off ramp service that lets individuals convert cash to and from digital assets in Peru. Users complete transactions through a network of physical bitcoin ATMs and staffed retail stores, or by paying via an electronic payment code from their mobile banking app. The service supports several cryptocurrencies and stablecoins, with delivery direct to a user's own wallet and cash withdrawal available at select locations.

Tapnob is a payment platform that lets individuals convert Bitcoin, USDT, and USDC into local currency for instant bank or mobile money settlement across Africa. Users can buy Bitcoin with local currency, receive funds via a personal Tapnob address, cash out Bitcoin and stablecoins to a bank account, and pay bills such as airtime and utilities. The platform is aimed at freelancers, diaspora recipients, and everyday users seeking fast, low-fee cross-border payments and Bitcoin utility.

Privily is a privacy-focused neobank appchain that lets individuals and businesses spend, transfer, invest, and earn across multiple blockchains from a single self-custodial account. It settles transactions on a Starknet-based appchain using zero-knowledge cryptography, shielding balances, spending habits, and transaction history unless the user chooses to disclose them. The platform offers private cross-chain transfers and swaps, programmable privacy with selective disclosure, and account abstraction so users interact without managing seed phrases directly. Additional announced services, including physical and virtual cards, multi-currency accounts, on and off ramps, and business treasury tools, extend the same account into broader banking-style functionality.

BigONE is a centralized cryptocurrency exchange offering spot, margin, and leveraged ETF trading alongside perpetual futures with high leverage. The platform provides fixed and flexible earn accounts, dual investment, crypto-backed loans, and automated trading tools such as grid strategies, dollar-cost averaging, and copy trading. Users can also access tokenized US stocks and commodities, trade early-stage on-chain assets through a dedicated on-chain trading zone, provide liquidity for fees, and convert or purchase crypto via peer-to-peer and card payment options.

Tylt CrossRamp is an on-ramp and off-ramp service that lets merchants embed fiat-to-stablecoin and stablecoin-to-fiat conversion within their applications. It separates fiat and crypto processing, routing local payment methods through regulated banking partners while Tylt manages the corresponding stablecoin conversion and transfer as an embedded exchange layer. The service supports region-specific payment methods across several markets, with all settlement occurring in stablecoins.

Tapbit Exchange is a centralised trading platform for spot and leveraged perpetual futures trading in cryptocurrencies. It also offers copy trading that lets users automatically mirror the trades of other traders, peer-to-peer trading, and fiat-to-crypto purchases through third-party payment partners. Users manage a single account across the web platform and mobile apps to trade, earn yield on holdings, and convert fiat currency into digital assets. The exchange supports a wide range of cryptocurrencies and stablecoins as trading pairs and collateral.

Walapay is API-first payment infrastructure that lets businesses issue virtual multi-currency accounts, move funds across fiat currencies and stablecoins, and manage customer compliance from a single integration. It supports fiat-to-fiat, fiat-to-stablecoin, stablecoin-to-fiat, and stablecoin-to-stablecoin transfers, combining traditional banking rails with stablecoin networks for cross-border settlement. Businesses such as fintechs, payment service providers, payroll platforms, and enterprise finance teams use it to collect, hold, and disburse funds globally, with automated KYC and KYB verification built into onboarding.

APS Corporate Payments is a multi-currency digital account and settlement solution for businesses handling cross-border payment flows. It lets corporate clients deposit, convert, and withdraw fiat and digital currencies, with same-day settlement in a chosen currency and built-in over-the-counter conversion between traditional and digital assets. Businesses use it to manage liquidity across multiple regions and currencies without maintaining separate banking relationships in each market.

APS Payment Processing Platform is a payments infrastructure and orchestration service that lets online merchants and brokers accept payments through a single integration. It aggregates card processing, digital-asset checkout methods, and alternative local payment methods, then routes settlement in fiat or supported digital assets. Merchants use it to accept card payments and crypto-linked payment methods while APS handles currency conversion, compliance, and settlement across multiple blockchain networks.

Bitpace Global Settlements is an on/off ramp service that converts cryptocurrency deposits into fiat or other digital assets for businesses and their customers. It uses real-time pricing across multiple liquidity providers to auto-convert incoming crypto into settlement currencies such as the US dollar, the euro, or a dollar-pegged stablecoin. Funds are settled within seconds to minutes after blockchain confirmation, allowing merchants to manage deposits, payments, and balances without manual conversion.