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

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.

UnblockPay is a payments infrastructure platform that lets businesses move money between fiat currencies and stablecoins across borders. It provides on and off ramps, virtual accounts, and stablecoin wallets through a single API, connecting to local fiat payment rails and multiple blockchains. Businesses use it to collect, convert, hold, and pay across markets while compliance screening and onboarding are handled within the same platform.

Esca Platform is a financial services platform that provides multi-currency virtual accounts, currency conversion, and cross-border payment infrastructure for businesses operating in emerging markets. It lets businesses accept deposits in local currency, automatically convert balances into stable currencies and supported cryptocurrencies, and withdraw funds to bank accounts or wallets across multiple countries. The platform also offers named multicurrency accounts, forward contracts for hedging currency risk, and yield-bearing balances, alongside a developer API that exposes account creation, conversions, payouts, and real-time rate and webhook data. Businesses use it to manage treasury, payroll, and settlement operations without establishing local banking entities in each market.

Recurrente is a payment processing platform that lets businesses in Guatemala accept card payments, bank transfers, and stablecoin payments through a single dashboard. It provides physical and mobile point-of-sale acceptance, shareable payment links, an online store builder, and automated subscription billing, alongside virtual bank accounts and inbound transfers from the United States, Mexico, and Europe. Users can also buy, sell, and accept payment in dollar-pegged stablecoins and tokenized gold, with funds settled to local bank accounts. The platform serves merchants, freelancers, and service businesses seeking card, transfer, and digital-asset payment acceptance in one system.

Nuvion is a neobank and embedded finance platform providing multi-currency business accounts, card issuing, payment acceptance, global payouts, and stablecoin rails for freelancers, businesses, and marketplaces. It operates through a single account and API surface, letting platforms issue accounts, move funds, accept payments, and convert between fiat and stablecoins without integrating banks or liquidity providers directly. The platform combines licensed fiat infrastructure with blockchain-based settlement across multiple networks, offering regulatory coverage across several markets. Businesses use it to manage cross-border money movement, issue physical and virtual cards, and access new markets from one unified dashboard.

Trokera is a regulated digital financial platform for receiving, storing, exchanging, and sending Bitcoin and USDT. It operates continuously, supporting Bitcoin transfers on-chain and via the Lightning Network alongside USDT transfers across multiple blockchains. The platform offers fiat conversion, card payments, and merchant payment tools, serving both individuals and businesses in markets where it is available.

AstralX is a centralized trading platform for cryptocurrencies and traditional financial assets including stocks, forex, futures, precious metals, indices, and ETFs. Spot trading supports a wide range of digital asset pairs against a stablecoin, while futures trading offers perpetual contracts with high leverage across major cryptocurrency pairs, and standard contracts extend leveraged trading to traditional instruments. A peer-to-peer channel enables direct fiat-to-crypto exchange without platform intermediary fees. Earn products provide yield through staking, liquidity mining, and capital-protected savings, and an integrated AI tool provides market sentiment and structural analysis to support trading decisions.

KudiX is a mobile wallet that lets Nigerian users hold stablecoin and naira balances in one account. It accepts stablecoin deposits across multiple blockchains, converts them into a naira balance at a displayed market rate, and lets users withdraw to any Nigerian bank account or back out to an external wallet on-chain. From the same balance, users can pay for airtime, data, television and electricity bills, and can earn bonuses through a referral program.

Moonshot is a mobile trading application that gives users access to meme coins, tokenized equities, and leveraged crypto derivatives from a single self-custodial wallet interface. It lets users buy and sell tokens using card or linked payment providers, launch new tokens via a bonding-curve mechanism, trade tokenized versions of public stocks routed through onchain liquidity, and open leveraged perpetual futures positions on select crypto assets. The app also offers randomized digital collectible packs to its user base. Users manage funds through biometric-secured self-custody rather than a third-party custodian.

Bithub is an on/off ramp platform that converts fiat currency into stablecoins and back for individual and business users. It processes deposits and withdrawals through bank cards and wire transfers, supporting multiple fiat currencies alongside a stablecoin. The platform applies compliance checks to transactions and issues supporting documentation such as contracts and invoices for business clients.

Nilfee is a financial services platform that provides virtual USD, EUR, and GBP accounts, virtual debit cards, and USDC/EURC wallets for individuals, freelancers, and businesses. Users receive payments via ACH and Fedwire and send funds through U.S. payout rails, PayPal, Venmo, or push-to-card, while a Circle-powered wallet enables real-time conversion between fiat and stablecoins across multiple blockchains. The platform also supports merchant payments through scan-and-pay and mobile point-of-sale checkout, and offers on-ramp and off-ramp conversion between USDC/EURC and fiat. Business users can open multiple labeled accounts, automate treasury settlement in fiat or USDC, and connect via an API to their finance systems.

UniPayment is a payment infrastructure platform for businesses to accept and settle fiat and cryptocurrency payments. The platform aggregates cards (Visa, Mastercard), local payment rails (SEPA, ACH, SWIFT), and digital currencies (USDT, USDC) through a single gateway with real-time FX conversion and smart routing. Named business accounts in USD and EUR support direct collection and settlement, while a multi-currency wallet manages fiat and digital assets from a unified dashboard. Pre-built plugins for WooCommerce, OpenCart, PrestaShop, and Magento, along with SDKs in PHP, Python, Java, Node.js, Go, and .NET Core, support developer integration. The platform operates under a FINTRAC-registered MSB in Canada and as an NBB-authorized EMI Agent in the EEA.

Pulsar Money App is a mobile fintech application that provides self-custodial USD and EUR accounts funded through stablecoins. It lets users hold, swap, and spend digital dollars and euros, fund balances at par with stablecoins, and pay through a virtual card accepted for subscriptions and international purchases. The app also offers stablecoin savings yield and global transfers using account details tied to underlying bank rails. It is built around regulated stablecoin infrastructure and is expanding onto a stablecoin-native settlement chain to support future automated, agent-driven payment features.

The ZAR Agent Network is an on/off ramp connecting local shops, airtime vendors, and remittance counters that exchange cash for dollar-backed stablecoins in person. Users find a verified nearby merchant, scan a QR code, and complete a cash-for-stablecoin exchange at rates set by the individual merchant. Merchants earn margins on exchange rates while facilitating access to digital dollars for people without direct access to stablecoin purchasing.

Payin implements fiat-to-stablecoin conversion through virtual account assignment, enabling customers to deposit local currencies and receive stablecoins. The system provides unique virtual accounts per customer and automated KYC processing.

Payout implements stablecoin-to-fiat conversion through local payment methods, enabling businesses to disburse funds in multiple countries. The system supports bank transfers, mobile money, and digital wallets with real-time rate locking.

Sentz App is a self-custody wallet for sending, saving, and receiving stablecoin payments. It lets users fund and withdraw balances via bank transfer or stablecoins, send payments using phone contacts, and generate invoices that clients can pay by card or stablecoin with automatic conversion. The app also offers a rewards feature that pays yield on stablecoin balances and supports a card for spending balances at merchants, with end-to-end encrypted transaction data.

Swapam is a financial services platform that converts cryptocurrency into fiat currency for users in Nigeria. It lets users swap crypto assets for local currency, manage virtual accounts, and pay for utilities such as electricity, airtime, cable subscriptions, and betting account funding. The platform is used by individuals seeking fast crypto-to-fiat conversion alongside everyday bill payment services.

Conomy Platform is a payments infrastructure platform that lets businesses collect and pay out across Latin America through one API and dashboard. It accepts pay-ins through local real-time methods such as instant bank transfers, QR payments, mobile wallets, and cards, and disburses to local accounts or cross-border through SWIFT. Incoming payments can be split across multiple parties and settled in local currency, US dollars, or stablecoins. Multi-currency Smart Accounts let recipients choose their settlement currency, an integrated on and off ramp converts local currency to stablecoins, and an OTC desk prices larger cross-border conversions, with a sandbox and webhooks supporting integration and testing.

XEROF Platform is a Swiss-regulated neobank that provides institutions, high-net-worth individuals, and Web3 companies with company-named IBAN accounts, crypto-to-fiat conversion, and international payment services. It combines licensed banking rails with blockchain settlement, letting businesses move funds between segregated IBAN accounts and digital wallets, convert between cryptocurrencies and fiat, and settle cross-border invoices, payroll, and treasury operations through a single account. It also enables stablecoin-based cross-border transfers and crypto-to-fiat settlement for real estate transactions, allowing buyers to retain crypto exposure until closing.

SurgePay is a mobile money app that provides multi-currency wallets, cross-border transfers, and virtual cards for users sending and receiving money across Africa and the diaspora. It runs on a public blockchain network, using stablecoins to move value between currencies before settling to local bank accounts or mobile money wallets. Users convert balances at live exchange rates, send funds to bank accounts or other wallets, and issue virtual cards funded by stablecoins after completing identity verification. The app also supports bridging stablecoin balances from other blockchain networks into the user's wallet to fund transfers and card top-ups.

Element Pay API is a REST interface for bidirectional fiat-crypto conversion, supporting on-ramp orders where M-Pesa payments trigger ERC-20 token delivery to EVM wallet addresses, and off-ramp orders that withdraw tokens and settle fiat payouts to mobile money numbers, till numbers, or paybill accounts. The system locks exchange rates at order creation, validates ERC-20 allowances for off-ramp transactions, and delivers webhook notifications for order state transitions across sandbox and production environments.

ElementPay is a consumer web application for converting cryptocurrency to mobile money and making payments in Kenya. Users send crypto to M-Pesa numbers, pay bills via Paybill or Till numbers, or buy crypto with KES through connected wallets. The app supports micropayments and instant settlement to mobile money accounts across supported EVM networks.

Tazapay Global Collection Accounts is a business account product that provides multi-currency virtual accounts and stablecoin wallet addresses for collecting, holding, and disbursing funds like a local entity. Customers pay by local bank transfer, SWIFT, or supported stablecoins, and incoming funds are automatically attributed and consolidated into a Tazapay balance. Platforms and marketplaces can run the accounts on behalf of their own customers under their own brand, without opening local bank accounts or new licenses. Payee identity and bank details are verified before disbursement to reduce misdirected or fraudulent payouts.

Tazapay Stablecoin Payments is an on/off-ramp service that lets businesses convert between fiat currencies and dollar-pegged stablecoins on a single platform. Customers can fund transactions with stablecoins that are instantly converted to fiat for paying vendors and suppliers in many currencies, or onramp fiat balances into stablecoins for treasury use, with conversions settled instantly. The service is used by businesses seeking round-the-clock cross-border settlement without maintaining multiple banking relationships.

Tazapay Payment Gateway is a merchant payment gateway that lets online businesses accept cards and local payment methods across multiple markets without setting up local entities. It processes payments through hosted checkout, no-code payment links, or API and plugin integrations, routing funds into a merchant balance for later payout. Built-in buyer protection holds funds until delivery conditions are met, serving merchants that need cross-border acceptance.

HEVN is a business financial platform that provides global business accounts, payments, and stablecoin settlement for companies operating across borders. It combines named fiat account details in multiple currencies with a non-custodial stablecoin balance, letting businesses hold, receive, and send funds across bank rails such as ACH, SEPA, SWIFT, and UAE FTS alongside stablecoin networks. The platform also supports payroll and contractor payments, invoicing, and role-based approval workflows for finance teams. Businesses can accept stablecoin payments from customers and convert between fiat and stablecoins through the same account.

Ripe is a stablecoin payments platform that converts stablecoins into local fiat currency for everyday use in Asia. It lets crypto wallet users scan existing merchant fiat QR codes to pay with stablecoins, with merchants receiving fiat instantly through a local payment partner. The platform also lets individuals off-ramp stablecoins directly to a linked fiat e-wallet, generate a managed receiving address that auto-converts incoming stablecoins to fiat, and enables businesses to disburse payroll and mass payouts in local currency using stablecoins. Wallets, exchanges, and fintech applications can embed the same crypto-to-fiat QR payment functionality within their own apps through an SDK integration.

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.

Newton is a centralized cryptocurrency exchange that lets users in Canada buy, sell, and trade digital assets. It provides market and limit orders with real-time charting, fiat and crypto funding and withdrawal options, and a staking feature allowing users to earn rewards on supported assets they already hold. The platform offers a tiered fee program with reduced trading costs for higher-volume traders and includes referral incentives.

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.

Zuba Payouts is a payments API that lets businesses send money to bank accounts, mobile money wallets, and crypto wallets across multiple regions. It handles single and bulk disbursements with automatic FX quoting and rate locking, routing each payment over international transfers, local bank rails, mobile money, or stablecoin payouts. Businesses use it for global payroll, supplier payments, and remittances, tracking each transaction in real time through webhooks.