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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
Onramper Integrates Paybis to Expand Global Crypto Payment Coverage
Onramper, the world’s leading fiat-to-crypto onramp aggregator, has integrated global cryptocurrency exchange Paybis.
October 15, 2025 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, has integrated global cryptocurrency exchange Paybis, expanding its network of payment providers and improving how users around the world buy digital assets.
Through the integration, Onramper partners gain instant access to Paybis’ high-conversion payment flows, including Apple Pay and Google Pay, without any additional development effort. Businesses can now offer faster, more familiar, and secure payment options through a single API.
Paybis becomes the 30th onramp to join the Onramper network, extending its global coverage and giving partners even more flexibility in how they connect users to crypto.
Operating in more than 180 countries, Paybis enables users to buy, sell, and swap major cryptocurrencies using credit and debit cards, bank transfers, Apple Pay, Google Pay, and other local methods. Its one-tap Apple Pay experience is recognized for speed and reliability, helping make crypto purchases almost instant.
“Paybis has set the bar for low-friction, global payment experiences,” said Thijs Maas, CEO of Onramper. “We’re thrilled to bring them into our network. With 30 onramps now live, we’re giving our partners and their users more choice and a truly seamless way to enter the crypto economy.”
“Our mission has always been to make buying and selling crypto effortless,” said Konstantins Vasilenko, Head of Sales and Co-Founder at Paybis. “Partnering with Onramper helps us bring that simplicity to more users and businesses globally.”
The collaboration strengthens Onramper’s aggregated network, giving partners access to broader global coverage, faster transactions, and seamless integration through a single connection.
To learn more, please visit onramper.com and paybis.com.
About Paybis
Paybis is a global cryptocurrency exchange platform that provides fast, secure, and user-friendly digital asset transactions. Founded in 2014, the company specializes in fiat-to-crypto and crypto-to-fiat conversions, enabling users to buy, sell, and swap Bitcoin, Ethereum, and other cryptocurrencies using various payment methods, including credit/debit cards, bank transfers, and e-wallets.
With a strong focus on security and compliance, Paybis is registered with regulatory authorities and implements industry-leading AML/KYC procedures. The platform is known for its intuitive interface, 24/7 customer support, and competitive exchange rates.
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.
Leap Wallet integrates Onramper for exclusive fiat-to-crypto onramping
Leap Wallet has entered into an agreement with Onramper to power fiat on- and off-ramping across its mobile applications and browser extension.
Leap Wallet has entered into an agreement with Onramper to power fiat on- and off-ramping across its mobile applications and browser extension. The integration brings Onramper’s global infrastructure directly into Leap Wallet, enabling streamlined access to crypto for users around the world.
Since 2025, Leap Wallet has expanded beyond its initial focus on the Cosmos ecosystem to become a multi-chain wallet. Today, it natively supports Bitcoin, Ethereum, and over 200 additional blockchain networks, allowing users to manage assets across a wide range of ecosystems without switching platforms.
“As Leap Wallet has grown into a multi-chain platform, demand for a seamless onramping experience has surged,” says Sanjeev Rao, CEO of Leap Wallet. “Our mission is to streamline the flow of value across ecosystems—and by partnering with Onramper, we’re eliminating key barriers for users.”
Enhanced onramping coverage
With this significant expansion, Leap Wallet recognized the necessity of robust and accessible onramping solutions to serve its growing user base. To address this, Leap Wallet is now integrating Onramper exclusively. This partnership allows users to:
- Access onramping for thousands of tokens
- Benefit from coverage across 200+ blockchain networks
- Enjoy frictionless fiat-to-crypto transactions, catering to both new and experienced users
By leveraging Onramper’s capabilities, Leap Wallet ensures its users experience reliable, broad, and convenient access to a wide range of cryptocurrencies, further reinforcing its position as a top-choice multi-chain wallet for global digital asset management.
“Crypto users need fast, secure, and reliable access to liquidity,” says Thijs Maas, CEO of Onramper. “Through this partnership with Leap Wallet, we’re bringing our global onramping infrastructure directly into one of the most advanced multi-chain platforms, enabling seamless value movement at scale.”
To learn more, visit onramper.com and leapwallet.io.
Helio Partners with Onramper to Power Unique Card to Stablecoin Payments for Global Merchants
Onramper’s industry-leading aggregator will localize payment methods for merchants looking to accept instant stabelcoin payments.
May 20, 2025 – Onramper, the world’s leading fiat-to-crypto on-ramp aggregator, today announced a partnership with Helio to supercharge stablecoin payments for global merchants. Helio, a leading crypto checkout app used by over 6,000 merchants and millions of users, has advanced the adoption of crypto payments by offering a faster, more affordable alternative to traditional methods.
To date, Helio has processed over $1.5 billion in transactions and integrates with leading digital platforms, including Shopify, where it powers the popular Solana Pay plugin. Now, the company is launching a revamped payment flow that enhances the onboarding experience for new users that don’t already have a crypto wallet when completing purchases with stablecoins such as USDC.
Now when Helio users select “Pay with Card”, they’re guided through a localized payment method selection screen tailored to their region powered by Onramper’s industry leading on-ramp aggregator and smart routing engine. Users can quickly fund a virtual crypto wallet tied to their email by purchasing USDC and easily complete their payment to the merchant. This seamless fiat-to-crypto flow unlocks valuable new commerce use cases for merchants, including instant settlement from credit card purchases (instead of next day settlement), zero chargeback risk, seamless iGaming deposits via cards, global support for high risk payments and more.
Stablecoin usage continues to rise – recent reports show retail usage increased by 35% in 2024 as consumers increasingly turn to stablecoins for e-commerce to avoid banking delays.
“Collaborating with Helio to enable stablecoin payments is a major step toward bringing crypto commerce to Web2-native users,” said Thijs Maas, CEO of Onramper. “Our aggregation engine delivers localized on-ramps and payment methods, making it easier for users to check out.”
Onramper accepts 130+ payment methods and enables users to purchase crypto across 190+ countries. This extensive geographic coverage is complemented by sophisticated routing engines that recommend the best conversion for users in real-time – maximizing users’ odds of a successful transaction and ensuring they receive the most crypto for their fiat.
"Helio is known as the market leader in native crypto payments, offering low fees and instant settlement. With the integration of Onramper, we’ve expanded backwards compatibility with the traditional financial system. This allows Helio merchants like Liquid Brokers and Bizcuits to accept instant card payments in over 130 countries through seamless fiat to stablecoin onramps. This results in increased sales for our merchants and a faster, smoother checkout experience for customers at Helio-powered stores. It’s a big step toward making crypto payments as seamless as traditional ones, especially for those new to crypto or looking to top up quickly." said Stijn Paumen, CEO of Helio.
“At Bizcuits, we support trading brokers and prop firms with operational solutions, including payments infrastructure. We integrated Helio for card-to-crypto payments because of its seamless experience, transparent pricing, and global reach. It enables our partners to offer reliable fiat-to-crypto onramps without added complexity, making Helio a natural fit for our ecosystem.” Debbie Colerio, Payments and Compliance Manager, Bizcuits
To learn more, please visit onramper.com and hel.io.
About Helio
Helio provides a suite of payment tools for merchants, creators and platforms, making it easy for anyone to accept USDC and other digital currencies. Designed for ease of use, especially those new to crypto payments, Helio is a faster and more cost effective alternative to traditional payment methods. Empowering over 6,000 sellers and over one million users, Helio supports major blockchains including Solana, Bitcoin, Ethereum and L2s.
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.
