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

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.

Trustyfy is a non-custodial neobank that combines self-custody crypto wallets with crypto-friendly bank accounts and VISA cards issued through regulated third-party providers. It runs as a browser-based web app rather than a native mobile app, using email magic-link sign-in with no stored passwords or private keys, so users retain exportable control of their assets. The platform enables cross-chain token swaps, fiat on/off-ramp conversion, and international payments, and supports corporate accounts with configurable multi-signature spending rules and team or bookkeeper access.

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.

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.

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.

Carret On/Off Ramp is a developer-facing API infrastructure product for converting between INR and cryptocurrency. Fintechs, exchanges, wallets, and digital platforms integrate the RESTful APIs and SDKs to embed compliant fiat-crypto conversion, real-time settlement, and direct wallet withdrawal into their own applications. A sandbox environment and documentation support integration ahead of production deployment.

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.

CoinSwitch Pro is a centralized exchange offering spot, futures, and options trading settled in INR and USDT. It provides API trading for automated strategies, a trading terminal for manual order execution, staking for earning yield on crypto holdings, and crypto deposit tools that convert fiat to digital assets. Retail and institutional traders use the platform to access multiple markets and manage positions through both web and mobile interfaces.

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.

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.

FameEX is a centralised cryptocurrency exchange offering spot trading, margin trading, and USDT-margined perpetual futures contracts. Users can automate market participation through arithmetic, geometric, and AI-configured grid and quant strategies, or use futures copy trading to mirror the positions of selected lead traders in real time. A savings program offers flexible and fixed-term yield products on held balances, and an integrated fiat-to-crypto on-ramp allows direct purchases of digital assets with traditional payment methods. The platform also provides on-chain token trading and trading of traditional financial instruments such as equities, forex, and commodities priced in USDT. Programmatic access to spot and futures markets is available through REST and WebSocket APIs.

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.

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.

FinchTrade OTC Desk is an over-the-counter trading platform that provides institutional crypto-to-fiat and fiat-to-crypto liquidity for payment service providers, exchanges, and other regulated counterparties. It executes large-ticket block trades through firm request-for-quote pricing, settling transactions in fiat or stablecoins within about thirty minutes via a non-custodial architecture. Clients access the service through a web interface, a REST and WebSocket API, or Telegram, and can also convert or move assets across multiple blockchains from a single account.

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.

MGBX is a centralized cryptocurrency exchange offering spot trading, perpetual futures, and tokenized traditional-finance perpetual contracts covering equities, indices, commodities, and forex settled in a stablecoin. Users can also buy crypto directly through a quick-buy feature, copy the positions of selected lead traders, deposit into flexible and fixed-term savings and dual-currency yield products, trade event-outcome contracts, and access over-the-counter trading. A tiered VIP membership offers fee reductions and other perks based on trading volume and asset balance. The platform is accessed through a single web and mobile application with one user account.

Fiber is a non-custodial wallet application, positioned as a stablecoin neobank, for managing stablecoins and other digital assets on public blockchains. It lets users receive and send stablecoins, shield balances and transaction activity using zero-knowledge proofs, and accrue variable rewards on eligible stablecoin balances without giving up custody. Users can deposit USD via ACH or domestic wire for automatic conversion into stablecoins, and trade tokenized US stocks, digital metals, and crypto directly from their stablecoin balance. Wallet key material is split across separate security boundaries using secret-sharing, and users authorize each transaction rather than holding a traditional seed phrase.

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.

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.

Skyline Digital API is a payments infrastructure and orchestration product that lets partner platforms embed crypto and fiat settlement into their own products. It provides a unified interface for wallet provisioning, off-ramping, cross-border payments, and batch payroll, allowing partners to accept payment in any token and settle in any fiat currency. Web3 platforms and wallets use it to add offramping and third-party payment features without building their own banking or currency-conversion infrastructure.

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.

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.

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.

GeCrypto Exchange is a centralized exchange offering offline cryptocurrency-to-fiat conversion through in-person transactions at a physical office in Tbilisi. Users convert crypto and stablecoins into cash or bank transfers, or swap between crypto assets, after completing identity verification. The service also handles crypto-to-crypto swaps and larger-volume conversions for corporate clients through a dedicated OTC process with account management support.

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.

Codex FX is a stablecoin-native foreign exchange platform that converts between fiat currencies and stablecoins for payment service providers, fintechs, and neobanks. It provides an on/off-ramp for converting currencies such as the US dollar, euro, and British pound into stablecoins and back at wholesale rates, with settlement. The platform also bridges stablecoins across multiple blockchain networks by acting as principal on both legs of a transfer, avoiding smart contract exposure or slippage, and offers a dedicated swap interface that lets payment operators exchange stablecoins from different issuers at a fixed one-to-one rate. Access is provided through a shared dashboard and API covering quotes, orders, wallets, fiat counterparties, and payment operations.

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.

QuickRemit is an off-ramp payout API that lets partner businesses convert digital assets into fiat and settle funds to end-user bank accounts. It provides partners with sandbox and production environments, onboarding, and identity verification workflows to build controlled payout journeys. The API supports real-time exchange rate quotes, bank wire payouts, and transaction status tracking for partner-integrated remittance flows.