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

Merge API Platform is a payments infrastructure product that gives businesses banking and payment capabilities through a single API integration. It provides multi-currency accounts across dozens of currencies, including named accounts in major fiat currencies, alongside stablecoin on-ramp and off-ramp conversion, cross-border payment routing over local rails and blockchain networks, and automated payment reconciliation. Businesses and platforms use it to collect, hold, and move funds internationally, embed payment flows into their own products, and settle transactions using stablecoins as an intermediary rail while managing compliance requirements such as identity verification and screening.

Acctual is an invoicing and accounts payable and receivable platform for freelancers, agencies, and small businesses conducting cross-border transactions. It lets users create and send invoices that clients can pay by card, bank transfer, or stablecoins, converting incoming funds to a preferred currency and settling directly to a connected bank account or crypto wallet. The platform also supports transferring stablecoins between blockchain networks and converting between bank deposits and crypto, and it syncs paid invoices automatically with accounting software.

Levl is a B2B payments infrastructure platform enabling businesses to process cross-border payments in fiat currencies and stablecoins through a unified API. The platform provides named accounts in USD, GBP, and EUR for fund collection and reconciliation, currency conversion and fiat-stablecoin on/off ramp services, POBO (Payment on Behalf Of) accounts for executing outbound payments in clients' names, API-based cross-border remittances, crypto payment acceptance and processing, and card payment processing. Businesses integrate via API, dashboard, or OTC desk. The platform is operated by two regulated entities across Switzerland and Canada, with fiat accounts and card acquiring delivered through licensed banking partners.

Cedar Money Platform is a cross-border payments platform that lets businesses send and receive high-volume payments across multiple currencies. It provides competitive foreign-exchange rates, virtual accounts, and next-day settlement for outbound and inbound transactions. Businesses can also convert local currency to a dollar stablecoin-backed balance, hold funds, and pay suppliers from a single dashboard. The platform is used by importers, exporters, digital commerce platforms, and financial institutions operating across Africa and global markets.

Cybrid Platform is a payments infrastructure platform that lets fintechs, banks, and enterprises move money across stablecoins and fiat through a single API suite. It orchestrates conversions between bank rails such as ACH, wire, RTP, FedNow, EFT, and Interac and stablecoin transfers, while providing embedded KYC, KYB, and AML identity verification for onboarding. The platform also issues FBO and named accounts with wallet infrastructure secured through custodial and MPC-based key management, and sources stablecoin liquidity for settlement and treasury operations. It is used by developers building compliant cross-border remittance, B2B payment, and banking products without establishing direct banking or custody relationships themselves.

TETChange Cryptocurrency Gateway is an on/off-ramp service that connects users with verified counterparties for converting cryptocurrencies, including Bitcoin and stablecoins, into USDT or cash across multiple partner cities. The platform matches buyers and sellers, applies mandatory AML checks to each transaction, and supports the deal through completion. It also offers consulting packages on crypto fundamentals, security, and investment strategy, cryptocurrency education seminars and webinars, and assistance recovering access to restricted or frozen crypto accounts and assets.

MIMO is a licensed on/off ramp platform for converting between USDT and fiat Vietnamese dong. It operates under a non-custodial model where users retain control of private keys, combined with eKYC identity verification and AML/KYT transaction monitoring. Conversions use QR-based flows and generate electronic invoices in line with local regulatory requirements. The service targets local users and visitors seeking compliant access to digital assets within an approved sandbox zone.

SuperCash is a self-custody wallet that enables stablecoin payments at local merchants. Users deposit supported stablecoins and pay by scanning local QR payment codes, with settlement into local payment rails handled by third-party partners. The wallet allows spending without identity verification up to set daily and monthly limits, with higher limits and cashback multipliers available through paid membership tiers, while private keys remain under user control.

Western Union Digital Asset Network is a crypto-to-fiat off-ramp service that connects digital asset wallets with cash payout locations globally. Wallet providers integrate with the network to enable their users to convert stablecoins and digital assets into local currency at Western Union retail locations across 150 countries and territories.

Yeba is a B2B liquidity platform that provides stablecoin and FX conversion, over-the-counter trading, and treasury management for fintechs, exchanges, remittance providers, and other businesses moving money across African and global corridors. Users request quotes for large-ticket trades and receive locked pricing for bilateral settlement, while a dashboard provides multi-currency wallets, live FX rates, deposits and withdrawals, and transaction reporting. The platform also lets businesses convert directly between fiat currencies and stablecoins for supplier payments and payout obligations. Access requires business KYB verification and is governed by KYC and AML compliance controls.

MoneyGram Ramps is an API-driven infrastructure enabling cash-to-crypto conversion through MoneyGram locations. The system processes USDC stablecoin deposits and withdrawals at participating retail sites, facilitating blockchain asset access through physical cash transactions. Developers integrate conversion functionality through standardized APIs supporting identity verification and compliance workflows.

TCR Finance Platform is an on/off ramp service that converts between fiat currencies and stablecoins for cross-border payments in Latin America. It integrates with local bank payment rails and processes conversions between the Brazilian real, US dollar, and other regional currencies and stablecoins, settling transactions on-chain. Businesses and individual users access the service through a web application or mobile apps, with white-label deployment and API integration available for fintech partners.

A fiat–crypto exchange service that enables users to swap digital assets for cash or bank transfers with optional courier delivery and office pickup across multiple locations.

LocalPayment API is a merchant payment gateway that enables businesses to accept and send cross-border payments across emerging markets through a single integration. It unifies payins, payouts, and treasury and foreign exchange operations, supporting cards, bank transfers, local account-to-account rails, digital wallets, and other alternative payment methods alongside crypto on and off ramp conversion. Businesses use it to collect customer payments, disburse funds, manage currency conversion, and reconcile settlements, with checkout options ranging from hosted payment links to embedded, fully customizable payment forms. The platform operates under local regulatory registrations in each supported market and provides webhook-based status updates for asynchronous payment methods.

StableStack Wallet-as-a-Service is an embedded wallet infrastructure that lets fintech companies provision stablecoin wallets within their own applications. It supports sending and receiving stablecoins on-chain, alongside on-ramp and off-ramp conversion to local currency, through a programmable and abstracted interface. Neobanks, wallet apps, and payment products use the service to launch stablecoin functionality without building custody or blockchain infrastructure themselves.

GudangKripto is a centralized cryptocurrency exchange that lets users trade digital assets against the Indonesian rupiah. The platform provides an order book with market and limit orders, separate spot and funding wallets, and custodial storage of user assets. Users fund accounts through rupiah virtual-account deposits and can deposit or withdraw supported crypto assets across multiple blockchains. It is accessible through a web platform and companion mobile application under a single account.

Kravata API provides crypto-as-a-service infrastructure through REST endpoints, enabling businesses to integrate on/off ramps, cross-border payments, custody services, and compliance tools for digital asset operations in Latin America.

Plenti is a neobank offering a multi-currency global account for Latin American users, combining fiat balances in dollars, euros, and Colombian pesos with stablecoin-based transfers. The account enables users to open a United States bank account, exchange currencies, send and receive cross-border transfers, and fund international brokerage accounts without high wire fees. A linked multi-currency card lets users spend abroad, while balances earn variable rewards and can be used to fund investments in stocks, tokenized gold, or cryptocurrencies. The platform relies on stablecoin settlement to make currency conversion and transfers faster and more transparent than traditional banking channels.

Anzens is a platform that issues USDA, a fiat-backed stablecoin powered by EMURGO's tokenization platform. The platform enables users to access and utilize stablecoins backed by fiat currency reserves, providing a bridge between traditional currency and digital assets.

A decentralized on-ramp and off-ramp service enabling users to convert between fiat currency and cryptocurrency on the Solana blockchain without centralized intermediaries.