Blog
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
Wello Joins Onramper’s Network to Expand Crypto Onboarding in Nigeria
Collaboration strengthens Onramper’s Nigerian payment rails for all partners
December 19, 2025 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, announced that it has integrated Wello, a global fiat on- and off-ramp provider, to increase crypto accessibility in Nigeria. By integrating with Onramper, Wello’s localized payment rails will reach a wider audience, beginning with Nigeria and expanding across Asia. This partnership is part of the broader plan to bring stablecoin-powered payments to local markets around the world.
Nigeria remains one of the most active crypto markets globally, but ensuring reliable and high-performing fiat-to-crypto rails in the country remains a challenge. By incorporating Wello’s localized infrastructure, Onramper strengthens its presence in the region and delivers smoother, more successful conversion paths for every partner operating in Nigeria.
“Wello will strengthen the global coverage of our aggregation engine,” said Thijs Maas, CEO of Onramper. “Its dependable and deeply localized infrastructure gives our partners, and their users, the onboarding experience they expect, in Africa and beyond.”
Wello brings strong regional expertise across Africa and the Middle East, with payment rails designed for fast-growing, high-adoption crypto markets. Its localized approach reduces failed transactions and improves uptime for Nigerian users.
Onramper continues to lead the onramp aggregation space, connecting more than 30 global fiat gateways and supporting over 2,000 digital assets. All partners integrated with Onramper will automatically gain access to Wello’s rails, unlocking improved payment methods, stronger reliability, and broader coverage in Nigeria without requiring any technical changes.
“Our goal is to build dependable stablecoin payment rails for users around the world,” said Helen Hai, Co-Founder at Wello. “Partnering with Onramper makes our infrastructure available to more wallets, exchanges, and platforms, unlocking a smoother, more efficient onboarding experience.”
Onramper’s global network supports more than 130 payment methods across 190+ countries. Its smart routing engine recommends the best available conversion in real time, maximizing the likelihood of a successful transaction and helping users receive the most crypto for their fiat.
To learn more, please visit onramper.com and wello.tech.
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 170 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 Wello
Wello brings real utility to stablecoins. With compliant fiat on/off ramps, instant QR payments, and cross-border settlement. Wello’s mission is to bridge Web3 with real-world payments, empowering people to send global, spend local, effortlessly.
HaHa Wallet Partners with Onramper to Expand Access to the Monad Ecosystem
Partnership follows Monad Mainnet launch to unlock global onboarding
AMSTERDAM, Dec. 17, 2025 — Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a strategic partnership with HaHa Wallet, next-generation, Monad-native crypto wallet, to broaden global accessibility for users engaging with Monad ecosystem.
Through the integration, HaHa Wallet users can now buy crypto using over 130 local payment methods across 190+ countries, benefiting from competitive rates and optimized fees. Following the launch of Monad’s public Mainnet in November 2025, the partnership makes it easier for users worldwide to enter Monad and begin trading, bridging, and exploring dApps.
HaHa Wallet has quickly become a leading gateway into Monad, offering a fast, intuitive, and reward-driven user experience. With Onramper’s global payments coverage and smart routing engine, users can move from fiat to crypto in just a few clicks and start interacting onchain.
“Realizing Monad’s full potential depends on frictionless onboarding,” said Thijs Maas, CEO of Onramper. “Our partnership with HaHa Wallet brings trusted, localized payment access directly into the Monad ecosystem. Together, we’re making it easier than ever for people everywhere to get started on Monad.”
Monad’s unique architecture enables parallel transaction execution, delivering faster speeds, quicker finality, and lower fees without sacrificing decentralization. Combined with Onramper’s global payment infrastructure, HaHa Wallet provides users with a streamlined entry point into Monad’s high-performance blockchain environment.
“Our focus is building the simplest possible entry point into the Monad Ecosystem,” said Mu Li, founder of HaHa Wallet. “Integrating Onramper allows us to offer trusted local payment methods, helping users get onchain quickly and confidently, no matter where they are in the world.”
Onramper continues to lead the onramp aggregation space, connecting more than 30 global fiat gateways and supporting over 2,000 digital assets, driving greater accessibility and inclusivity across Web3.
To learn more, please visit onramper.com and haha.me
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 HaHa Wallet
HaHa Wallet is the Monad native, high performance smart wallet built to maximise how users earn and participate on chain. Purpose built for Monad’s low latency, parallel execution environment, HaHa delivers lightning fast swaps, deep native integrations with Monad dApps and ecosystem campaigns, and seamless access to multiple EVM chains through a single non custodial experience. Users earn Karma for meaningful on chain activity, unlocking rewards, ecosystem access, and future HaHa token utility, positioning HaHa Wallet as the primary consumer gateway to Monad and a rewards driven hub for Web3 participation.
For media enquiries, contact:
Introducing our new crypto trading portal: the easiest way to buy, sell and swap
Buying crypto should be simple. Selling and swapping should feel just as easy. That’s why we’re leveling up the Onramper experience to make this a reality.
Meet our new crypto portal, the world’s simplest all-in-one trading platform. It brings buying, selling and swapping together in one place with the best available fees and full global coverage.
One place for everything
It’s easy for trading flows to feel scattered, with buying, swapping and selling all living in different places. We set out to fix that..
Our portal brings everything together so the entire journey stays clear and straightforward from start to finish. You can now:
- Buy crypto with 170+ payment methods
- Sell back to fiat
- Swap 100K+ assets across 50+ networks, with 11+ liquidity providers
All from one clean, intuitive interface.
Always the best fees, automatically
Crypto pricing moves fast, with fees constantly shifting based on payment method, geography, KYC requirements and liquidity. Our smart routing engine tracks all of it in real time and selects the best provider automatically.
We do the work, and you get the best fees with the highest chance of transaction success.
Any payment method. Any user.
A global product requires global payment coverage. The new portal supports 175+ payment methods including cards, Apple Pay, Google Pay, bank transfers, regional options and alternative methods found in high-growth markets.
Since payment preferences vary by region, the interface automatically highlights the options that perform best in your area. This keeps the experience fast, familiar and easy for any user, anywhere.
Buy any memecoin on Solana with MoonGate
The rise of memecoins has changed what’s expected from a trading experience. People want speed, simplicity and access to the long tail of new tokens.
By integrating MoonGate directly into the portal, we deliver exactly that. You can:
- Sign in with Google or Apple to generate a wallet instantly
- Discover trending Solana tokens
- Buy or swap into any memecoin in seconds
No separate setup and no manual wallet creation. Just instant access.
This is just the beginning
This portal isn’t an add-on. It’s a dedicated page built around a single widget that supports every trade type in one unified experience. And it’s only the first version.
We’ll continue adding new features that streamline the entire trading journey. From smarter token discovery to personalized payment suggestions, our goal is to create the smoothest crypto trading experience possible.
Try the full experience here: https://onramper.webflow.io/buy
