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Onramping Mistakes wallets make - Part II
In Part 1 we walked through some of the mistakes wallets make when building their on-ramp flows. Now we’ll take a closer look at some of the design elements that lead to suboptimal conversions.
When it comes to fiat on-ramping, UX is king. And while the UX of ramps providers certainly leave a lot to be desired - UI bugs, mediocre card conversion, clunky Know-Your-Customer processors - there’s also a lot that’s in control of the wallets that integrate these services.
In Part 1 we walked through some of the mistakes wallets make when building their on-ramp flows. Now we’ll take a closer look at some of the design elements that lead to suboptimal conversions.
Choice over-load for users
A user that buys crypto just wants one thing: to get from fiat currency to their preferred cryptocurrency. They don’t care who makes the sale.
Why then do wallets often display entire lists of different third-party brokers, most of whom have no brand recognition for the user? Just see some of these examples:
Often the answer provided is that this empowers users to choose their preferred ramp provider. They’re also able to compare the amount of crypto they get across providers, or which payment methods are supported.
But as we explained in a previous article, ramps will sometimes engage in fee spoofing, meaning this information isn’t always accurate. This illusory choice can actually result in transactions being more expensive for the user.
The agency to choose their onramp might be of importance for crypto-native users who might already have an account somewhere, it is possible to retain agency without overloading users with choice. In addition, we’ve previously shown that its crucial to return users to the ramp providers they have used before.
The Solution: Nudging
Instead of being presented with multiple options, users should be funneled down the path with the best combination of low fees and high conversion rates via an intelligent routing.
By pre-selecting for the user based on an intelligent routing engine, it’s possible to increase the conversion rate immensely.
Our data shows that 80% of users follow the recommendations made by Onramper! The trick here is to make sure onramp selection is not a mandatory elements of the user-flow. Instead, the user should be nudged to the best onramp, with the option to select something else for those users that want to self-select. The results of nuding in combination with smart onramp routing speak for themselves:
Hard-coded fees and settlement times
Another often-repeated sin is showing the user hardcoded information on the available paths. The intent can be noble: to inform the user to make better choices.
In practice, however, many wallets don’t build the actual infrastructure to make this information meaningful.
For example, data can be displayed that shows which payment methods are supported, which are priciest, and the expected time for a payment to complete. But displaying each of these data points has its flaws:
- Displaying which payment methods are supported often results in payment methods that are not relevant to the location being displayed. Moreover, not every payment method is available for every fiat currency or pair, so this info is often misleading.
- Displaying a “payment method fee” doesn’t tell the full story when it comes to pricing: a low-fee payment method can be more expensive than a high-fee payment method since the on-ramp might increase spread.
- Displaying the time it takes to complete a transaction is difficult to do accurately, since it often depends on the on-ramp’s and the user’s banking infrastructure. E.g. SEPA can take 1-3 minutes or 1-3 days, depending on whether the sending and receiving banks support SEPA Instant.
Hardcoded data can also become out-of-date as things evolve.
The solution:
It’s best to avoid displaying hardcoded data altogether and instead use dynamic engines to display the right payment methods and information. In this, Onramper is your best friend, with dynamic payment method recommendation engines, real-time quotes and onramp routing algorithms at your fingertips.
Closing thoughts
Optimizing on-ramp flows for conversion requires strategic design decisions that ensure every step guides users seamlessly toward a completed transaction.
In our next post, we’ll dive deeper into some of the mistakes wallets make when it comes to data analytics.
In the meantime, I invite everyone - client or not - to have OnRamper analyze your app. We’ll do a free analysis to identify the good, the bad, and the ugly. Schedule a call via the link above and reply with: "Please analyze my current setup."
Other articles
Umbra integrates Onramper to power private crypto access and payroll
Buy crypto with fiat and get paid in crypto — all without compromising your on-chain privacy.
We're excited to announce that Umbra has integrated Onramper, bringing private fiat onramping and crypto payroll to users directly inside the Umbra app.
Umbra is a privacy-first wallet built on Arcium's MPC encrypted execution engine and zero-knowledge proofs. It lets users send and receive crypto without exposing their financial activity onchain. Every transaction is designed to keep the sender, recipient, and transaction history private by default, giving users the kind of financial discretion that traditional finance takes for granted but that most crypto wallets still lack.
Buy crypto privately, in your currency
Umbra users can now buy crypto with fiat across 24 major currencies without leaving the app. Onramper aggregates the best onramp providers globally and automatically routes each transaction to the most competitive option based on location, payment method, and availability. Users get better rates and access to local payment methods, all inside a single, streamlined flow. The funds land directly in a wallet that is private by default.
Get paid without the exposure
Umbra Payroll, powered by Onramper, solves a problem that has no clean solution elsewhere. Users can receive crypto payroll and offramp directly to their bank account without linking that withdrawal back to their main wallet. On-chain activity and bank account details stay disconnected. For anyone who wants to be paid in crypto without compromising their financial privacy, this is a meaningful step forward.
Together, these two integrations address the most common friction points in private crypto usage: getting funds in, and getting paid out, both without leaving a traceable trail.
"Onramper was built to give any product access to the best global onramp coverage through a single integration," said Rick Thomas, co-CEO of Onramper. "Umbra is exactly the kind of app this infrastructure was designed for, privacy-native, user-first, and solving a real problem. Together we're making it possible to participate fully in crypto without sacrificing financial privacy."
"Privacy in crypto has always been about more than anonymity. It's about giving people genuine control over their financial lives," said Krutarth Shah, CEO of Umbra. "Integrating Onramper means our users can fund their wallets and receive payroll with the same level of discretion they expect from every other part of the Umbra experience."
Umbra with Onramper is available now. Open the Umbra app to get started.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for dynamically routing fiat-to-crypto onramp flows based on algorithms optimizing for conversion, fees and payment methods. Onramper’s platform allows users of clients to buy 2000+ digital assets, in over 190 countries with over 130 payment methods in 120 currencies, with advanced routing options and unified analytics. The company is based in the Netherlands. To learn more about Onramper, visit www.onramper.com.
About Umbra
Umbra is a privacy-first wallet on Solana, built on Arcium's encrypted execution engine. It lets people send, receive, and swap crypto with the sender, recipient, and amount private by default, while keeping compliance tooling like viewing keys and risk screening intact. Umbra was the first live application on Arcium's Mainnet Alpha and ships an SDK that extends the same privacy infrastructure to developers building on Solana
ELLIPAL Integrates Onramper to Expand Access to Self-Custody Assets
ELLIPAL users around the globe can now move from fiat to fully offline crypto storage in a single flow.
June 4, 2026 — Onramper, the world's leading fiat-to-crypto onramp aggregator, today announced its integration with ELLIPAL, one of the most secure hardware wallets in crypto. Through the integration, ELLIPAL's 1M+ users can now fund their wallets using 130+ payment methods across 190+ countries, with a direct path from fiat to cold storage and zero added friction. ELLIPAL will also roll out offramping exclusively through Onramper, giving users a complete on and off ramp experience without ever leaving the wallet.
For users who prioritize direct, offline ownership of their assets, ELLIPAL was built to deliver exactly that — a user-friendly solution that upholds the original intent of crypto: complete, uncompromising ownership. Its air-gapped hardware wallet technology is designed without Bluetooth, Wi-Fi, USB, or network connections of any kind – QR codes handle all communication, and private keys never leave the device. With Onramper's global payments coverage and smart routing engine, ELLIPAL users now have a streamlined, localized entry point into cold storage.
"ELLIPAL represents everything self-custody should be: secure, simple, and fully in the user's hands,” said Rick Thomas Co-CEO of Onramper. “Our role is to make sure the path to getting there is just as seamless, no matter where in the world that user is starting from."
ELLIPAL's design eliminates every online attack vector by default, making it one of the most uncompromising self-custody options on the market. For users ready to take full control of their assets, this integration makes that first step simpler than ever.
“Our goal at ELLIPAL is to give everyone the tools to be their own bank,” said Fate Liang, Head of Product at ELLIPAL. “With Onramper integrated, users can now fund their wallets directly using their preferred local payment method, taking full ownership of their assets from the very first step."
*This integration is not available in the United Kingdom and OFAC sanctioned countries.
Learn more at onramper.com and ellipal.com.
About ELLIPAL
ELLIPAL is a Hong Kong-based company pioneering air-gapped hardware wallets that put users in full control of their digital assets. Designed to stay completely offline, ELLIPAL products combine strong security with simple, intuitive user experiences.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for dynamically routing fiat-to-crypto onramp flows based on algorithms optimizing for conversion, fees and payment methods. Onramper’s platform allows users of clients to buy 2000+ digital assets, in over 190 countries with over 130 payment methods in 120 currencies, with advanced routing options and unified analytics. The company is based in the Netherlands. To learn more about Onramper, visit www.onramper.com.
Moonshot Unlocks 180+ Payment Methods for Traders with Onramper Partnership
Through the integration, Moonshot users* can now access more than 180 local payment methods across over 190 countries.
AMSTERDAM, April 6, 2026 — Onramper, the world's leading fiat-to-crypto onramp aggregator, announced a partnership with Moonshot, the self-custodial trading app built on Solana, to remove one of the biggest barriers to entering onchain markets: funding accounts across different markets.
Through the integration, Moonshot users* can now access more than 180 local payment methods across over 190 countries, making it easier to move between fiat and crypto using familiar payment methods. The result is faster onboarding, higher conversion rates, and expanded access to onchain trading worldwide.
“Moonshot is one of the fastest-growing platforms in crypto,” said Thijs Maas, CEO of Onramper. “By expanding localized payment options, we’re making the platform accessible to more users globally and unlocking broader participation in onchain trading.”
Moonshot is designed for users looking for direct exposure to the digital asset market without the friction of traditional crypto platforms. The app combines a self-custodial wallet with no seed phrases, real-time market data, and a mobile-first experience optimized for speed and simplicity. Since launch, Moonshot has grown to more than two million users and reached the top of the App Store in multiple countries.
“Access has always been the bottleneck for global adoption,” said a spokesperson at Moonshot. “Every new payment method we add unlocks new users, and this partnership turns previously hard-to-reach regions into active onchain markets.”
Onramper’s aggregation layer automatically routes users to the most competitive onramp provider based on location, payment method, and availability, optimizing for conversion and reducing drop-off at the point of deposit. For Moonshot, this means broader global coverage while maintaining a frictionless in-app experience.
Learn more at onramper.com and moonshot.com.
*The integration is live and available to users globally, excluding the United States.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for dynamically routing fiat-to-crypto onramp flows based on algorithms optimizing for conversion, fees, and payment methods. Onramper's platform allows users to buy 2,000+ digital assets in over 190 countries with over 130 payment methods across 120 currencies, with advanced routing options and unified analytics. The company is based in the Netherlands. To learn more, visit www.onramper.com.
About Moonshot
Moonshot is a leading mobile application for discovering, buying, and selling digital assets on the Solana blockchain. With a self-custodial wallet, a curated token experience, and support for familiar payment methods like Apple Pay, Moonshot has onboarded millions of users into on-chain trading, establishing itself as one of the fastest-growing apps in the market.
