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

Fonbnk Pay Widget is an on/off-ramp product that converts mobile money, airtime, and bank payments into stablecoins and back. Users select a funding source such as bank transfer, mobile money, or airtime, provide a wallet address, and the system routes the order to an agent who settles the transaction. The widget supports on-ramp and off-ramp flows across many countries and blockchains, and can be embedded by third-party wallets or apps.

Fonbnk Server-to-Server API is a developer tooling product that lets businesses integrate on-ramp and off-ramp crypto conversion directly into their own applications. Developers authenticate through the merchant dashboard, sign requests, and call endpoints to create orders, check statuses, and receive webhook notifications as transactions progress. It exposes the same underlying mobile-money-to-stablecoin conversion logic as the Pay Widget but without a hosted user interface, allowing wallets and platforms to build custom flows.

Shiga is a multichain stablecoin-to-fiat on/off ramp that lets individuals exchange, buy, sell, and transfer stablecoins into local fiat currencies. It works through a consumer mobile app connected to multiple blockchain networks and settlement rails including Faster Payments, SEPA, Fedwire, and ACH, converting between crypto and fiat in real time. Users access instant conversions, swaps between supported stablecoins, and self-custody wallet balances from a single dashboard.

Rampnow Platform is a technology layer that connects apps, wallets, and businesses to fiat-to-crypto and crypto-to-fiat conversion services across multiple blockchains. It lets users buy and sell digital assets through a widget or hosted flow, with licensed partners handling identity verification and payment processing. The platform also routes payouts for payroll, remittances, and mass disbursements with foreign-exchange handling, and provides swap and bridge routing that finds pricing across many networks for token swaps and cross-chain transfers. Funds settle directly to user wallets on a non-custodial basis rather than through platform-held accounts.

BitcoinVN Exchange is an instant cryptocurrency exchange that swaps crypto assets directly to users' own wallets, with no account needed for most swaps. Users choose what to send and receive, lock a quoted rate, and pay into the order, after which the exchanged funds go to the chosen wallet or payout method. Deposits and withdrawals by bank transfer and cash make it a fiat on-ramp and off-ramp, and larger orders go through the OTC desk. Account holders can also place supported assets in staking pools that pay variable rewards from completed exchange volume.

SGB Banking Platform is a licensed digital bank offering personal and business banking through a mobile application. It provides multi-currency accounts, virtual accounts, fixed deposits, and integrated digital asset services including custody, stablecoin mint and redeem, and stablecoin-to-fiat conversion, alongside direct funding links to third-party crypto exchanges. Individuals and businesses use it for everyday banking, cross-border payments, and moving between fiat and digital assets within a single regulated account.

Slash Platform is a business banking platform that provides corporate cards, bank accounts, invoicing, bill pay, treasury, and payment processing for small and medium-sized businesses. It consolidates expense management, accounting integrations, multi-entity account structures, and analytics into a single dashboard tied to one business account. Users issue employee cards, send and collect invoices, pay bills, and access working-capital credit lines from the same login. Businesses also send and receive stablecoins across multiple blockchains and convert them to and from US dollars inside the account. An API, SDKs, an MCP server for AI agents, and an AI assistant let teams automate card, payment, and account tasks.

Global USD is a cross-border business account that lets companies incorporated outside the United States hold, send, and receive US dollars without a US entity. Balances are held in USDSL, a dollar-pegged stablecoin backed by cash and short-term US Treasuries, which users mint and redeem against other major stablecoins. Businesses apply separately from US business banking, pass their own compliance review, and fund accounts from multiple blockchains or traditional payment rails. Approved accounts earn rewards on dollar balances and can add Global Cards, payment cards that convert USDSL to dollars at the point of sale.

Itez Buy Crypto is an on-ramp and off-ramp widget that lets users purchase cryptocurrency with a bank card and convert crypto back into a fiat currency of their choice. The widget provides a checkout-style interface with transparent fees, supporting numerous fiat currencies for entry and exit from crypto markets. Businesses can also embed the widget to offer their own customers a fiat-to-crypto gateway.

BucksBus Payment Gateway is a non-custodial merchant payment gateway that lets businesses accept cryptocurrency payments directly to their own wallets. It connects merchants, customers, and licensed payment partners through an API-based interface supporting invoices, deposits, recurring payments, and offline QR code payments. The gateway also offers an on-ramp allowing customers to pay by card, with automatic conversion and settlement into cryptocurrency, plus an internal exchange for swapping between supported assets. Merchants configure payment thresholds, white-label checkout pages, and receive real-time payment notifications across multiple supported blockchains.

Ivorypay On & Off Ramp is a fiat-to-crypto conversion service bridging crypto rails and African banking systems. It converts local currency to crypto for supplier payments and converts received crypto back to cash for settlement to bank accounts or mobile money. Remittance providers, fintechs, and businesses with international operations use it to move value between African currencies and cryptocurrencies without forex bureaus or bank wire delays. The service is accessible via dedicated APIs for white-label integration into other applications.

SRD Exchange is a decentralized trading platform that combines multi-venue futures trading, cross-chain token swaps, and peer-to-peer fiat conversion in one self-custody interface. It routes leveraged futures orders across multiple external liquidity venues so traders can compare leverage, fees, and pricing for the same pair without leaving the platform. Its swap feature moves tokens across several blockchains in a single transaction with fees covered by the platform, while its fiat module lets users in India trade USDT for INR directly with other users through bank transfer or cash deposit, secured by smart-contract escrow. All three functions are accessed through one wallet-based account rather than separate apps.

Stable.com is a self-custodial stablecoin swap platform providing 1:1 exchanges across multiple blockchains with no protocol fees or slippage. Users connect self-custodial wallets to swap stablecoins on multiple chains through protocol-owned liquidity pools, with atomic cross-chain transfers handled via hash time lock contracts. Fiat on-ramp and off-ramp functionality for purchasing and selling stablecoins is included, facilitated through regulated partner entities under separate terms.

Fundable is a payment infrastructure platform that lets organizations distribute, stream, and convert cryptocurrency payments across multiple blockchains. It supports bulk token distributions to many recipients in a single transaction, automated payment streaming for payroll, grants, and recurring transfers, and conversion of supported digital assets into local currency for bank withdrawal. The platform serves businesses, decentralized organizations, and distributed teams that need to pay contributors or communities across borders without manual wallet-by-wallet operations. Separate chain-specific dashboards give users access to the same distribution, streaming, and offramp tools on their preferred network.

Financial Account is a global USD account product for businesses, accessible through its own sign-in at app.dakota.xyz separately from the Dakota developer platform. It lets companies hold and move USD and stablecoin balances, settle cross-border payouts, and convert between fiat and onchain assets across bank rails and blockchains. The account targets businesses operating across multiple regions that need dependable USD access without local banking relationships.

Truther API is a developer integration layer that lets platforms and financial institutions process stablecoin payments programmatically. It provides modular endpoints for on-ramp and off-ramp conversions, connecting stablecoin transactions to local instant payment systems while supporting compliance checks. Institutions and fintechs use it to receive payments in local currency and settle in stablecoins across multiple markets without building settlement infrastructure themselves.

The Monica Off-Ramp API is a developer platform that lets registered businesses programmatically convert customer cryptocurrency deposits into naira settlements. It issues per-user deposit wallets, tracks on-chain deposits through webhooks, locks a conversion rate on confirmation, and pays out naira to a corporate bank account within seconds. Businesses undergo a separate know-your-business onboarding and are charged a per-transaction fee capped at a fixed dollar amount, distinct from the consumer app experience.

Mular App is an on/off ramp that converts cryptocurrency into Naira for everyday spending and payments in Nigeria. Users fund the app with crypto or a Naira card, then send, swap, or spend directly from their crypto balances, with conversions settling to a linked Nigerian bank account. It serves crypto traders, freelancers, and diaspora users who want to avoid peer-to-peer trading when moving digital assets into local currency. The app also supports bill payments, global payment links, and USD-denominated saving as a hedge against Naira volatility.

BlockWyre Payments is a B2B payment orchestration platform that lets businesses accept and send funds across bank rails and blockchain networks through a unified API and dashboard. It processes pay-ins and pay-outs in stablecoins alongside major cryptocurrencies, converting between fiat and digital assets and settling transactions on-chain or via traditional rails. Technology providers, e-commerce platforms, remittance operators, and payment companies embed the infrastructure to automate collection, disbursement, cross-border settlement, and reconciliation workflows at scale.

Crypto To Fiat Rails provides infrastructure for converting between cryptocurrency and traditional Mexican peso payments, supporting hybrid payment processing for businesses operating in Mexico. The system enables pay-ins and payouts using MXNB tokens.

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.

BYDFi Exchange is a centralized cryptocurrency exchange offering spot trading and leveraged perpetual futures across a wide range of pairs. Copy trading lets users mirror the futures positions of experienced traders, and grid trading bots run long, short, or neutral strategies around the clock. A Quick Buy service provided through a payment partner lets users buy stablecoins and major cryptocurrencies by bank transfer, and a Convert tool swaps between assets. The platform also offers demo futures trading, a rewards hub, and web and mobile apps.

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 that move money across borders. It provides multi-currency account issuance, payment collections, payouts, a payment gateway, stablecoin conversion, treasury management, and a double-entry ledger with automated reconciliation. Payments route automatically over local bank rails, mobile money, card networks, and stablecoin settlement, and businesses use a web dashboard or a whitelabel API.

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.

Evolution, formerly Cryptonia, is a consumer financial app that gives users in emerging markets virtual USD and EUR accounts alongside stablecoin support for global payments. It routes funds through a hybrid rail architecture joining ACH, Fedwire, SEPA, and local Nigerian bank transfers with stablecoin infrastructure into one unified USD balance. Users receive international and local payments, convert instantly to local currency, withdraw to Nigerian banks, spend via a virtual card, and send funds to other users through free internal transfers.

Evolution Business is a B2B cross-border payments platform for companies moving money in and out of Nigeria and other African markets, including car dealers settling U.S. auto auctions, importers and exporters, marketplaces paying out sellers, and companies with cross-border payroll. It lets businesses send and receive payments across more than 170 countries, funding payouts in naira, USDT, or USDC through segregated business accounts opened via a dedicated KYB onboarding process. Stablecoin rails cut settlement times from three to five business days down to same-day, with pricing negotiated by corridor and volume rather than published consumer rates.

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.

Zend Personal is a custodial crypto on/off ramp and exchange app for individual users across Africa. Users fund an account with digital assets, swap between them, and use Quick Sell to convert stablecoins and other crypto into local currency paid to a linked bank account. Peer-to-peer transfers between users, tiered identity checks, and withdrawals to external wallets are handled in the same app.

Zend Business is a cross-border payment platform powered by ZendFX, enabling businesses to send international payments funded by stablecoins. Payments settle in USD, EUR, GBP, or CAD via SWIFT rails to recipient bank accounts across multiple countries. The platform includes KYB compliance verification, real-time payment tracking, invoice documentation requirements, and role-based team permission management.

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.

MoraBanc Digital Assets is a private banking custody and dealing service for cryptocurrencies and stablecoins. It provides individualized wallet custody for Bitcoin, Ethereum, and multiple stablecoins, alongside buying and selling of these assets and asset-backed financing. The service also includes an off-ramp function that converts digital assets to fiat and repatriates the resulting funds through regulated banking channels, with provenance checks applied throughout. It is available to private banking clients as part of MoraBanc's broader digital asset offering.