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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Flutterwave Swap is a digital foreign exchange platform licensed by the Central Bank of Nigeria that provides individuals and businesses access to USD, EUR, and GBP at competitive exchange rates, integrated with Send App for seamless currency conversion and international transfers.

BitPapa operates a peer-to-peer cryptocurrency marketplace with integrated wallet storage and swap exchange capabilities through automated escrow mechanisms. The platform enables direct fiat-to-crypto and crypto-to-crypto transactions between users for multiple cryptocurrencies across several payment methods including bank transfers, card payments, and electronic wallets. Users create custom offers specifying rates and terms or select from existing marketplace listings, with seller assets automatically locked in escrow accounts until trade confirmation. The integrated wallet implements cold storage security infrastructure while swap functionality aggregates pricing from multiple exchanges for direct cryptocurrency conversion without fiat intermediaries.

Madhouse Wallet is an on/off ramp that converts stablecoins into local fiat currencies across multiple currencies and payment rails, including mobile money, real-time bank transfer schemes, and traditional bank transfers. Partners integrate through a REST API or an embeddable widget, depositing stablecoins from multiple blockchains into a single address and receiving fiat payouts to a bank account or mobile wallet. The platform locks live foreign-exchange quotes for a short window before settlement and provides a business dashboard for recipient management, transfer history, and compliance onboarding. It also offers a virtual USD account that accepts bank transfers and settles balances in a stablecoin, and supports agent-initiated payments where a client pays per API call using a stablecoin instead of a traditional API key.

Zynta Enterprise is a cross-border payments infrastructure platform for businesses moving funds between Africa and Europe. It provides over-the-counter liquidity for large cryptocurrency trades, near-instant international transfers over stablecoin rails, named virtual accounts in multiple fiat currencies, and fiat-to-crypto on and off ramps. Enterprise clients access these services through an API or web portal after completing a master service agreement, with built-in compliance screening for onboarding.

MiniPay Wallet is a mobile self-custodial wallet for holding, sending, and spending dollar stablecoins. It lets users receive payments via phone number, convert local cash to stablecoins and back through third-party partners, send funds internationally with low fees, and share payments through shareable cash links. The wallet also provides virtual USD and EUR account details for receiving payments and supports mini apps that run inside its in-app browser for bill payments, vouchers, and other everyday services.

Onramp/Offramp enables fiat-to-crypto conversion with integrated payment processing and settlement infrastructure. The platform supports multiple fiat currencies and digital assets with automated compliance verification. Users can convert between fiat and cryptocurrencies through standardized API endpoints with real-time exchange rates.

Bingtellar Ramp is a crypto on-ramp and off-ramp service that lets users convert between digital assets and local African currencies. It connects to external crypto exchanges and self-custodial wallets, allowing users to fund or withdraw balances by converting cash to crypto and crypto to cash. The service supports a small set of major digital assets and settles conversions to bank accounts or mobile money through licensed partner transmitters.

UGLYCASH is a neobank application that lets users hold, spend, and move money through a stablecoin-based account. It converts deposited funds into stablecoins and pays yield on balances, while a cashback Visa card enables everyday spending and in-app purchases convert between fiat and crypto. Users can also send cross-border remittances and access a non-custodial trading feature to trade assets across multiple blockchains and follow other traders' positions from a single balance.

Skyline Digital Platform is a non-custodial neobank that provides regulated financial services bridging traditional finance and crypto for Web3 businesses, DAOs, and high-net-worth individuals. It lets users convert between crypto and fiat, hold virtual accounts in multiple currencies, and settle payments worldwide using major stablecoins. The platform also supports over-the-counter trades, access to tokenised securities such as short-term treasury instruments, and invoicing tools for tracking and approving payables. Users connect their own non-custodial wallets, including multi-signature and browser-extension wallets, rather than depositing funds into platform custody. Card issuance and crypto-backed lending are offered as additional planned services alongside the platform's compliant privacy features.

Manteca API Platform is a payments infrastructure and orchestration service that lets fintech companies integrate crypto, brokerage, payment, and banking services across Latin America through unified APIs. It aggregates crypto deposits and withdrawals, brokerage account onboarding, QR-based payments, fiat-crypto ramp conversion, bill payments, and virtual account issuance behind a single integration layer. The platform handles regulatory compliance, identity verification, and multi-currency settlement, and is used by businesses seeking to embed financial services without building backend infrastructure. It supports crypto operations across multiple blockchains and connects to regional payment rails and banking systems throughout Latin America.

Trace Finance Payment API is a payments infrastructure platform that lets exchanges, fintechs, and financial institutions move money into and out of Latin America through a single set of API endpoints. It provides multi-currency accounts in BRL, USD, and EUR, converts between fiat and stablecoins through instant local payment rails, and executes cross-border payments over multiple regional and international rails. Businesses use it to onboard beneficiaries, lock foreign-exchange rates, and settle deposits, swaps, and withdrawals without operating a local entity. The platform also functions as an embedded financial services layer, giving partner platforms account and settlement capabilities they can offer to their own customers.

Stvble X is a business payments platform that bundles fiat-crypto conversion, merchant checkout acceptance, and invoicing into a single suite accessed from one homepage under the Stvble Global Limited brand. Its on/off-ramp widget lets platforms integrate cryptocurrency market access using multiple payment methods and currencies. A merchant payment gateway component allows businesses to accept cryptocurrency payments through their existing checkout flows with automated settlement to preferred currencies. An invoicing tool lets businesses send and receive invoices with flexible settlement in fiat currencies or stablecoins for cross-border transactions.

A physical cryptocurrency exchange service enabling users to buy and sell digital assets for cash in multiple fiat currencies. The service provides on-site assistance for cryptocurrency transactions with regulatory compliance through AML and KYC procedures for transactions above certain thresholds.

Amero On/Off Ramp is a payment service that lets users convert cash and traditional payment methods into digital assets and back. It supports bank transfers, cards, and cash transactions at convenience stores and banks across Latin America, alongside a partnership enabling cash withdrawals and deposits at physical remittance locations. Users can also send stablecoin remittances to recipients and access a virtual United States dollar account for receiving international payments.

XEROF's on/off ramp service provides crypto‑to‑fiat and fiat‑to‑crypto conversion with Swiss regulatory compliance, enabling efficient bridging between digital assets and traditional currencies.

Amber Premium Payments combines a crypto-to-fiat on/off ramp with the Amber Premium Card, enabling clients to convert and spend digital assets with regulated, secure crypto payment infrastructure.

Checker API is a provider-agnostic orchestration platform that gives financial institutions a single integration point to access stablecoin and digital asset liquidity across exchanges, OTC desks, banks, and payment providers. The system routes each order to the optimal execution venue based on price, speed, and reliability, then returns standardized responses covering order confirmation, fill status, and real-time tracking. It supports trading, cross-border payments, treasury management, and credit operations, with settlement extending across multiple blockchains and stablecoins through a unified API.

Breet operates an automated cryptocurrency off-ramp platform enabling conversion from digital assets to fiat currency through generated wallet addresses and automated settlement processing. The system accepts deposits across multiple blockchains, executes currency conversion at fixed rates, and processes bank transfers or mobile money payouts to users in Nigeria and Ghana without peer-to-peer marketplace intermediation or manual vendor coordination.

Bitstop Bitcoin ATM Network is an on/off ramp service operating a nationwide network of cash-to-crypto kiosks located in gas stations, convenience stores, and supermarkets. Users insert cash at a kiosk and receive Bitcoin or other supported digital assets directly in their own wallet, with an accompanying mobile app used to locate machines, track transaction history, and manage account access. The network also supports purchasing tokenized gold assets with cash and offers an over-the-counter trading referral service for larger transactions. It serves individuals seeking a cash-based, self-custodial way to acquire digital assets without a bank account.

Ravasend is an off-ramp platform that converts stablecoins and cryptocurrencies into local fiat currency and deposits funds directly into users' bank accounts. It works through a mobile app wallet where users deposit crypto assets, which are converted at real-time market rates and settled to a linked bank account within minutes. The service targets individuals and businesses in emerging markets needing fast cross-border settlement for time-critical payments such as remittances, freelance income, or business receipts.

SkipShift Protocol is a peer-to-peer on and off-ramp that enables fiat-to-cryptocurrency conversions without KYC verification. Trades are coordinated through smart contracts and encrypted communications, with liquidity fulfilled by a network of registered providers who set their own spreads, payment methods, and availability schedules. Users collateralize each trade with RBX tokens, which are returned upon trade completion. The protocol supports multiple blockchains and accepts a wide range of fiat payment methods.

Mesta Payment Network is a payment network that processes stablecoin-to-fiat, fiat-to-stablecoin, and fiat-to-fiat transfers across multiple countries and currencies. It combines blockchain rails with local banking connections to settle transactions in real time or same-day, and provides named virtual accounts with dedicated local account numbers for collecting and holding balances in several currencies. The network also offers self-custody wallets that let businesses hold and move stablecoins across multiple blockchains without an intermediary controlling the funds. Businesses integrate through a RESTful API covering sender and beneficiary onboarding, payment methods, wallet address management, quote generation, and order execution, with built-in KYC, AML, and sanctions screening.

Shakesco is a self-custody crypto wallet and payments app that lets individuals and businesses buy, send, and receive Bitcoin, Ethereum, and stablecoin-based assets. It is built on an ERC-4337 smart contract wallet, using multi-party computation to secure account recovery and account abstraction to remove seed phrase management and gas handling for users. The app bundles payment links, point-of-sale checkout, a loyalty token marketplace, recurring payments, split payments, and privacy features such as stealth addresses and Bitcoin silent payments into one interface.

Mobilum Ramp is an on/off ramp service providing a customizable widget that converts fiat currency to cryptocurrency and back for exchanges, wallets, and other businesses. It supports card and bank-based payment methods and integrates directly into partner platforms to enable crypto purchases and sales. The service targets crypto businesses seeking to add fiat conversion without building their own compliance and liquidity infrastructure.

Eluter API is a fintech-as-a-service platform that lets financial institutions and other businesses embed multi-currency accounts, currency conversion, and payment capabilities into their own products. It exposes on-ramp and off-ramp functions, virtual account issuance such as CVU for Argentine pesos and vIBAN for euros, USD accounts, crypto wallet creation, QR payments, and webhooks for automated notifications through a developer API. It also supports identity verification and compliance checks, and offers card issuance in partnership with a card program provider. The platform is aimed at fintechs and platforms seeking to integrate financial infrastructure without building it themselves.

Encryptus Trading Platform is an on and off ramp service that lets institutional and licensed organizations convert between digital assets and fiat currencies. It operates through an API integrated with KYC and AML verification, enabling compliant purchase and sale of digital assets. Organizations settle transactions through bank wire transfers across multiple fiat currencies.

Rizon is a non-custodial neobank offering stablecoin-based wallet, payment, and card services for individual users outside the United States. The app lets users deposit funds via bank transfer, card, or stablecoins across multiple supported blockchains, hold balances in dollar or euro accounts, and send or receive money globally with fiat settlement to bank accounts in numerous countries. A linked Visa card, available in virtual, physical, and metal forms, lets users spend their balance worldwide with cashback rewards, while an integrated feature lets users buy fractional tokenized shares of public companies issued by a third party. Users retain control of funds through self-managed, biometric-protected wallets rather than custodial accounts.

ClockPay provides payment gateway services through payment link generation and API integration, enabling cryptocurrency transaction processing with real-time exchange rate calculations and secure wallet management.

Finna is a centralized platform that provides stablecoin-backed fiat loans and currency conversion services through a single wallet application. Users deposit stablecoins as collateral to receive local currency loans at a fixed interest rate, with early repayment reducing total cost and withdrawals settled to local bank accounts. The same account and interface let users convert stablecoins to local fiat and back instantly without added fees, avoiding the need for a separate application. Payment and card features are also embedded within this wallet, allowing users to manage borrowing, conversion, and spending from one account.