Blog
Six misconceptions about fiat onramp aggregators
Separating fact from fiction can be tough in such a fast-moving industry. Find out why the top concerns about aggregators are actually wrong.
Fiat-to-crypto onramp aggregators are gaining traction as the go-to solution for platforms that want to reduce integration time and provide a more seamless onboarding experience for their customers.
As they grow in popularity, however, so do the myths surrounding their performance, pricing and general effectiveness.
In this article, we’ll debunk the most common ones we’ve seen.
1. Aggregators result in higher fees for end users
By definition, this is false.
When using a single onramp, platforms lock their customers into restrictive fee regimes – where they’re at the mercy of whatever conversion rates, network fees and other costs the onramp chooses to leverage. The ‘fixed fee’ quoted by your onramp provider doesn’t account for these.
An aggregator, on the other hand, gives your customers much more flexibility. Based on their payment method, fiat currency and desired crypto, it can calculate (in real time) which onramp is most competitive on fees.
What’s more, an aggregator can typically negotiate lower rates than a single platform ever could: as Onramper generates high volumes and a good negotiating position with partners, we can ensure that no fees are added on top of the onramp’s.
In short: aggregation almost always secures lower fees for your customers.
2. Aggregators create compliance and security risk
What if one of the aggregator’s supported onramps suffers a security breach or fails to meet an acceptable level of regulatory compliance?
This is a valid concern. Inevitably, some onramps will be less secure and less compliant than others. In a worst-case scenario, you could be facilitating a transaction for bad actors via your platform.
But this isn’t an aggregator problem: it’s an onramp one. And a competent aggregator won’t add onramps without performing extensive due diligence beforehand — just as you wouldn’t. Even then, most integrations will allow you to enable/disable onramps based on your own risk model.
In the event of an unforeseeable security breach, onramp failure, or onramp default, an aggregator is actually beneficial: it won’t leave you stuck with a broken onboarding solution. At any given moment, your customers have several fallback options ready to go.
3. Aggregators are more difficult to integrate
Incredibly wrong. However, it’s something we’ve heard before, so it’s worth addressing.
One of the strongest value propositions for aggregators is their ease of integration. Instead of integrating, maintaining and juggling several onramps, businesses like yours can free up massive amounts of time and resources with a single solution.
Setup time varies. But, with Onramper, you can harness the power of a vast ecosystem of onramps with just eight lines of code (yes, really). If that’s not easy enough, you can rest assured that you’ll never need to troubleshoot or maintain onramps again — we handle all of that so you can focus on what you do best.
4. Aggregators offer an inferior user experience than an onramp
Not necessarily. At its core, an aggregator is a matching engine that automatically points your customers towards the correct onramp.
Since it usually taps into onramps’ APIs, an aggregator rarely requires the user to take a different course of action than if they were buying via a regular onramping widget.
At worst, some performance friction could arise if the matching engine was slow. But that’s not an issue for the top aggregators. Our own dynamic transaction routing system crunches over 70 factors to near-instantly connect customers with their perfect onramp.
On the surface, this process is so seamless that you’d be forgiven for thinking it was a regular, single onramping widget.
If anything, Onramper’s aggregator actually improves the user experience: low-KYC routing offers up the solution with minimal KYC required, and returning-user routing directs users to onramps they’ve previously used successfully.
5. Aggregators lack transparency
It may be true for some, but not for all. And certainly not for Onramper.
In fact, on the fee front, our stack is far more transparent than a single onramp’s. Instead of selecting a route based on quotes provided by onramps, we select it based on the amount of crypto received. In short, this ensures that users always get the best bang for their buck — without getting stung by the hidden costs that single onramps usually incur.
As for general transparency around onramping data? We make sure our customers have unmatched oversight, across the entire ecosystem, of how well each onramp is performing (thanks to the Onramper Terminal).
6. Aggregators don't work if you already have an onramping partner
Again, it may be true for some. But, personally, we love it when our customers come to us with established relationships. In fact, we’ve optimized the platform for it.
With Onramper, you can directly import your existing API keys. Via the Onramper Terminal, you can even compare their rates against ones from your new suite of onramps — ensuring that, no matter what, your users will always get the best rates.
Making the switch from a single onramp to an aggregator can be daunting. But it doesn't have to be. In just eight lines of code, you can integrate Onramper to immediately start boosting your success rates. Here's how.
Other articles
Axiom Partners with Onramper to Power Seamless DeFi Trading
With Onramper, Axiom users around the world can top up BNB and SOL with 130+ payment methods including Apple Pay and Venmo.
AMSTERDAM, December 4, 2025 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, announced a partnership with Axiom, the Y Combinator-backed Solana-based trading platform, to deliver one of the fastest and most seamless trading experiences in DeFi. Through this integration, Axiom users worldwide can instantly top up BNB and SOL using more than 130 payment methods, including Apple Pay, Google Pay, Venmo, debit and credit cards, and localized options across 190 countries.
Axiom has quickly become one of the top trading platforms in the Solana ecosystem, offering access to memecoins, perpetuals, and yield strategies. In October 2025, the platform made history as the fastest crypto company to reach $300 million in revenue. Through its collaboration with Onramper, Axiom is offering users a simple, fast way to onboard and begin trading on Solana.
“Our job is to simplify the way users move from fiat into crypto,” said Thijs Maas, CEO of Onramper. “By offering a wide range of trusted, localized payment options, we ensure that users can onboard quickly and compliantly. We’re thrilled to support Axiom as they scale the next generation of DeFi on Solana.”
Onramper’s network supports more than 130 payment methods and enables crypto purchases across 190+ countries. Its routing engine recommends the best available conversion in real-time, maximizing the chances of a successful transaction and helping users receive the most crypto for their fiat.
“We’re delivering an onchain trading experience that is fast, global, and intuitive,” said Henry Zhang, Co-Founder and CEO of Axiom. “Integrating Onramper strengthens that experience by giving users a reliable way to move from fiat to crypto and access onchain liquidity.”
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 axiom.trade.
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 Axiom
Axiom is a trading platform designed to be the only application you need to trade onchain. It offers a suite of integrations that allow users to trade the hottest assets, all in one place.
For media enquiries, contact:
Zengo Enters Partnership with Onramper to Unlock Global Crypto Access
Collaboration will power 130+ payment methods across LATAM, SEA, Africa, and more, simplifying fiat-to-crypto onboarding worldwide
AMSTERDAM, Nov. 5, 2025 /PRNewswire/ -- Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a partnership with Zengo Wallet, the most secure self-custodial crypto wallet trusted by millions, to expand global payment access for users.
Through this collaboration, Zengo users can now buy crypto through Onramper at the most competitive fees available, starting at just 2% for Zengo Pro users. The integration supports more than 130 local payment methods, streamlining purchases across key markets in Latin America, Southeast Asia, and Africa.
The partnership also enables a seamless onboarding flow for first-time users, while returning users are automatically directed back to their preferred payment providers–delivering a faster, more intuitive, and personalized experience.
“Access to crypto should not depend on where you live or which payment method you use,” said Thijs Maas, CEO of Onramper. “By partnering with Zengo, we’re removing the barriers that have limited participation in Web3, especially in regions with high demand but limited infrastructure. Together, we are making it easier for anyone, anywhere, to enter the crypto economy safely and efficiently.”
This partnership reinforces Zengo’s mission to make crypto ownership simple and secure, particularly in emerging markets where local payment coverage is key to adoption. By integrating Onramper’s technology, Zengo users will enjoy smoother onboarding, lower fees, and a more consistent purchasing experience, whether they are new or returning customers.
“At Zengo, our goal is to provide secure and low-cost access to any type of digital asset for individuals and businesses,” said Ouriel Ohayon, co-founder and CEO of Zengo. “Through our partnership with Onramper, we’re expanding global access to crypto and stablecoins with a faster, cheaper, and wider selection of payment methods anywhere, anytime.”
Integrating local payment methods across multiple regions has long been a complex and resource-heavy process for crypto platforms. Onramper’s aggregation technology removes this barrier by unifying both global and local onramps within a single API, giving partners instant access to the world’s most comprehensive fiat-to-crypto infrastructure.
Onramper continues to lead the onramp aggregation space, connecting more than 30 global fiat gateways and supporting over 2,000 digital assets in more than 190 countries, driving greater accessibility and inclusivity across Web3.
To learn more, please visit onramper.com and zengo.com.
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 Zengo Wallet
Zengo Wallet is the most secure self-custodial crypto wallet, trusted by over 2 million individuals and businesses in 180+ countries. Since 2018, no Zengo wallet has ever been hacked. Zengo Pro includes advanced features like Bitcoin Vaults, an inheritance-style feature, and now, heavily discounted fees on purchase. Powered by MPC cryptography, Zengo has no seed phrase vulnerability and is backed by Insight Partners, Tether, and other leading investors.
For media enquiries, contact:
Trust Wallet Joins Forces with Onramper to Drive Global Expansion
Through Onramper, Trust Wallet will introduce 175+ local payment methods and reach users across key markets
AMSTERDAM, Oct. 28, 2025 — Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a partnership with Trust Wallet, the world’s leading self-custody Web3 wallet, to significantly expand local payment options for crypto users worldwide. Trust Wallet will leverage Onramper’s technology to provide its 210+ million users with an enhanced onboarding experience, offering localized coverage and a broader set of payment methods.
Through this partnership, Trust Wallet users will be able to purchase crypto across 190+ countries and 130+ local payment methods, benefiting from Onramper’s advanced routing engine that automatically identifies the best available onramp provider in real time. This ensures faster, more reliable transactions — and maximizes how much crypto users receive for their fiat.
Integrating multiple local payment providers across regions is often a complex and resource-intensive process for crypto platforms. Onramper simplifies this challenge by aggregating alternative payment methods into a single API, allowing partners to instantly provide users with a wide range of fiat-to-crypto options through one streamlined integration.
“Our mission has always been to make access to crypto simple, local, and inclusive,” said Thijs Maas, CEO of Onramper. “Partnering with Trust Wallet brings us closer to that vision, combining our aggregator technology with one of the largest wallets in the world to help millions of users onboard seamlessly, no matter where they are.”
The integration unlocks new access to key growth regions including Indonesia, India, and Nigeria, where local payment coverage is essential to broadening participation in Web3. Trust Wallet will also adopt Onramper’s industry-leading data infrastructure for in-depth product and onboarding analytics to further improve user onboarding.
“At Trust Wallet, our goal is to make crypto access as seamless and local as possible for everyone. Expanding local payment coverage is key to unlocking that access. Now users can fund their wallets instantly using familiar local methods, whether through cards, bank transfers, or systems like UPI, VietQR, or M-Pesa. It’s a big step toward making Web3 simpler, faster, and more inclusive for people everywhere,” said Eowyn Chen, CEO of Trust Wallet.
Onramper recently announced that it has integrated 30 onramps into its global network, strengthening its position as the leading aggregator in the industry and advancing its mission to make crypto access simple and inclusive.
To learn more, please visit onramper.com.
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 Trust Wallet
Trust Wallet is the secure, self-custody Web3 wallet and gateway for people who want to fully own, control, and leverage the power of their digital assets. From beginners to experienced users, Trust Wallet makes it easier, safer, and convenient for millions of people around the world to experience Web3, access dApps securely, store and manage their crypto and NFTs, as well as buy, sell, and stake crypto to earn rewards — all in one place and without limits.
For media enquiries, contact:
