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Why you should not rank onramps based on fees - Part II
Why Priced-based ranking is not the best choice?
Price-based on-ramp ranking hurts your user experience. In Part I we covered how ramps lure users with low quotes, only to raise fees mid-transaction and drive them away.
But the problem runs deeper.
Not all ramps are created equal
Price-based ramps marketplaces assume that conversion from ramp to ramp is similar. Nothing could be further from the truth.
The sad reality is that ramps transactions fail more often than not.
Credit cards get declined, bugs cause delays and rejections, and KYC friction results in users giving up mid-transaction.
Pushing users to the ramp that is cheapest is like sending drivers down the shortest road without checking for speed limits and traffic jams. Sure, it may seem like a good idea, but the delays and traffic jams are likely to cost both the user and the ramps provider in the end.
It’s all about conversion
It's not just about who offers the lowest quote—it's about who can deliver results. In an industry where trust is everything, failed transactions create frustration, and frustration creates churn.
When a user’s credit card is declined or they abandon the transaction process due to a poorly designed interface, you've lost more than a completed transaction—you’ve likely lost a customer.
A ramp might rank at the top of your ranking because of low fees, but if only 50% of users complete their purchases, the real cost is steep—up to 50% in lost revenues.
What if there’s a ramp that has lower fees, but does not engage in questionable pricing tactics that break user trust? Or what if there’s a ramp with a 75% success rate but doesn’t get used because it is slightly more expensive?
A successful user experience should select the ramp with the highest conversion rate, the least friction in KYC, and the smoothest user flow.
Comparing the ‘average’ vs the best ramp
When comparing ramps, it’s crucial to look beyond just the price.
The best-performing ramps, those that consistently convert transactions, have a much higher success rate. For example, while the lowest-priced ramp may convert at an average of 50%, the top-rated ramp by conversion might achieve Y%. That’s a 50% boost in completed transactions, which directly translates to increased revenue and happier users.
The image above illustrates the stark difference between selecting a ramp based on conversion rates versus selecting one based purely on price. The choice is clear: better performance drives better results, and that’s what keeps users coming back.
The danger of not understanding returning users
It's simple math: the more successful ramp transactions, the more users are onboarded. These same users will come back and use dApps, staking swaps, and so on. The best ramp isn’t the cheapest—it’s the one that keeps users coming back.
Imagine you are a user, who has previously bought crypto through a ramp in your wallet. If suddenly another ramp has become cheaper than the ramp they used previously, you are forcing that user to sign up and go through KYC all over again.
Returning users convert more than 5x better than new users, but only when sent to the right ramp!
Moving beyond price-based ranking means understanding which ramp to recommend to each individual user. For returning users, this means recommending or labeling the ramp they have previously used in order to make checkout as easy as possible!
Why Onramper's ranking system is different
Onramper’s ranking system doesn’t fall into the price trap. It evaluates ramps based on many real-time performance metrics:
- Conversion rates
- Transaction success
- Returning users
- Pricing
- User experience
This approach ensures your users are routed to the ramp that’s most likely to provide a smooth, successful transaction.
Some clients use our ramp aggregation APIs to get quotes, while others use them to identify the highest-converting ramps. But the best implementations use our APIs to make use of our intelligent ranking system.
By intelligently ranking ramps based on what actually matters, Onramper helps you deliver better results, reduce user frustration, and improve retention. The difference? Your users aren’t just clicking on the cheapest quote—they’re completing transactions.
In Part 3 of this series, we’ll dive into how Onramper’s ranking works in greater detail.
Ready for a change?
If you want to dive deeper into how Onramper can increase both your ramp coverage and conversion to offer a superior user experience, schedule a chat with our team today.
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Onramper Expands Global Payments Coverage with Integration to Kraken Via Payward Ramp
Onramper’s global payments networks gains access to Kraken’s leading liquidity in 600+ crypto assets via Payward Ramp.
February 26, 2026 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, and Kraken, one of the world’s longest-standing, most liquid and secure cryptocurrency platforms, today announced the successful integration of Payward Ramp by Kraken into Onramper’s industry-leading aggregation platform.
Payward Ramp enables businesses to offer their customers a simple and secure way to instantly buy and sell crypto using familiar payment methods, including cards and local bank transfers. By becoming part of Onramper’s network, Payward Ramp joins more than 30 onramp providers in expanding its global payments coverage, giving businesses direct access to Kraken’s deep liquidity.
The integration with Payward Ramp enables Onramper partners to deliver crypto access to their customers with minimal engineering lift, reducing the complexity traditionally associated with launching compliant fiat-to-crypto flows. Businesses can add crypto buy and sell functionality quickly, while Payward Ramp handles the underlying compliance, licensing, KYC checks and fraud prevention so partners can focus on delivering the right user experience.
Payward Ramp supports the 600+ digital assets across 100+ blockchains available on the Kraken platform, with access to card payments methods, Apple Pay and Google Pay across the U.S, EU, and UK. It’s supported by Kraken’s secure, regulated infrastructure, which include a series of money transmitter and CASP licenses in key jurisdictions.
“Payward Ramp delivers a premium buying experience backed by Kraken, one of the most trusted and robust infrastructures in crypto,” said Thijs Maas, CEO of Onramper. “We’re constantly evaluating the best ramps in the market, and adding Payward Ramp shortly after launch ensures our partners always have access to the highest-quality onramps with minimal integration effort.”
For crypto platforms, wallets and fintechs, integrating local payment methods across multiple regions has historically been a complex and resource-intensive process. Onramper’s aggregation technology removes this barrier by unifying global and local onramps within a single API, giving partners instant access to the world’s most comprehensive fiat-to-crypto infrastructure.
“Payward Ramp was built to leverage Kraken’s leading liquidity in order to provide access to crypto at a global scale,” said Brett McLain, Head of Payward Ramp. “By integrating with Onramper, we’re connecting into a broader ecosystem of wallets, fintech and platforms, making it easier for partners to launch compliant crypto experiences across regions without the complexity of building and maintaining their own onramp stack.”
Payward Ramp is the latest addition to Onramper’s growing aggregation network. In October 2025, Onramper announced it had surpassed 30 aggregated onramps, reinforcing its position as the leading onramp aggregator and enabling partners to connect customers to crypto globally without managing multiple integrations, licenses or payment providers.
To learn more, please visit onramper.com and kraken.com/institutions/ramp.
About Onramper
Onramper is the leading fiat-to-crypto payments aggregator, providing a turnkey API-based solution for routing onramp flows across multiple providers through a single integration. Onramper enables access to more than 2,000 digital assets across 190+ countries, supporting over 130 payment methods worldwide. The company is based in the Netherlands. Learn more at www.onramper.com.
About Payward
Payward, Inc. is a unified financial infrastructure platform that powers a family of products advancing an open, global financial system. Built on a single shared architecture, Payward enables customers to hold, trade, earn, pay, and invest across asset classes without friction or fragmentation.
At its core, Payward provides the infrastructure layer behind Kraken and a growing set of purpose-built products, including NinjaTrader, Breakout, xStocks, and CF Benchmarks.
Payward separates infrastructure from product expression. Each product surface is designed for a specific customer segment, regulatory regime, and use case, while operating on the same global foundation:
- One global liquidity pool
- One unified risk and margin engine
- One collateral and settlement system
- One compliance and licensing framework
This shared architecture allows Payward to scale efficiently, launch new products at low marginal cost, and serve diverse global markets while maintaining consistent risk management, regulatory integrity, and operational resilience.
For more information about Payward, please visit www.payward.com
Cosine Wallet Partners with Onramper to Expand Global Crypto Access
Integration brings buy, sell, and swap functionality with 180+ local payment methods to Cosine’s multi-chain self-custodial wallet worldwide.
AMSTERDAM, Feb. 17, 2026 /PRNewswire– Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a partnership with Cosine Wallet, a multi-chain self-custodial wallet designed to make crypto transactions simple, intuitive, and accessible for users around the world.
Through the integration, users on Cosine Wallet can now buy, sell, and swap crypto directly within their wallet using Onramper’s onramp and offramp infrastructure. The partnership enables access to more than 180 local deposit payment methods, giving users greater flexibility to move between fiat and crypto regardless of where they are located.
Cosine Wallet is built for everyday crypto users who want full control of their assets without sacrificing usability. By combining Cosine’s clean, user-friendly wallet experience with Onramper’s global aggregation layer, the partnership removes common barriers to entry and helps users manage their crypto activity in one place.
“Cosine is focused on delivering a wallet experience that feels simple and reliable for users worldwide,” said Thijs Maas, CEO of Onramper. “By integrating Onramper’s onramp and offramp capabilities, Cosine users gain access to a wide range of local payment methods, making it easier to buy, sell, and swap crypto across multiple chains.”
The integration supports onramps, offramps, and cross-chain swaps across a multi-chain, multi-currency self-custodial wallet. This allows users to enter the crypto market, move value across chains, and manage their assets without leaving the Cosine Wallet interface.
“Our goal is to be the crypto wallet people genuinely enjoy using,” said Obafunso Ridwan, Co-founder and CEO of Cosine Wallet. “That means combining a clean user experience with powerful functionality.”
Joseph Samuel, Chief Technology Officer at Cosine Wallet, added, “Integrating Onramper strengthens our infrastructure by expanding global payment coverage and improving access to buy, sell, and swap features across chains. It allows us to deliver a smoother experience while keeping users fully in control of their funds.”
The integration is live and available to users globally, excluding the UK and OFAC-sanctioned countries.
Learn more at onramper.com and getcosine.app
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 Cosine Wallet
Cosine Wallet is a multi-chain self-custodial crypto wallet designed for users who want a simple, powerful way to manage their crypto. Built with a focus on clean design and usability, Cosine allows users to buy, sell, and swap assets across multiple chains from one interface, while maintaining full control over their funds. With support for cross-chain activity and multiple currencies, Cosine Wallet positions itself as an all-in-one solution for everyday crypto transactions, making it easier for users around the world to interact with crypto in a way that feels intuitive and accessible. In addition to supporting cross-chain activity, Cosine’s mobile app includes a Gasless Sell feature, allowing users to convert crypto to fiat without needing native tokens for gas fees. To learn more about Cosine Wallet, visit www.getcosine.app
Onramper Integrates Ramp Network to Expand Global Crypto Payment Options
Onramper, the leading fiat-to-crypto onramp aggregator, has integrated Ramp Network, expanding its network of onramps and improving how users worldwide buy and sell digital assets.
Onramper, the leading fiat-to-crypto onramp aggregator, has integrated Ramp Network, expanding its network of onramps and improving how users worldwide buy and sell digital assets.
Through this partnership, Onramper clients instantly gain access to Ramp Network’s fast, compliant, and high-conversion payment flows without any additional development work. Businesses using Onramper can now offer lightning-fast purchases across major payment methods, including cards, Apple Pay, Google Pay, Revolut Pay, Pix, and instant bank transfers, all through a single API.
The collaboration also unlocks additional token listing opportunities for Onramper’s token listing support, providing even more flexibility and coverage for partners and their users.
The rollout of Ramp Network within the Onramper ecosystem will begin soon on a client-by-client basis. Existing Onramper partners will automatically gain access to Ramp Network without needing to make any changes to their setup.
“Ramp Network’s focus on speed, compliance, and user experience makes them a perfect addition to our network,” said Thijs Maas, CEO of Onramper. “This partnership gives our clients even more ways to connect users to crypto.”
“We’re aligned with Onramper in our mission to remove barriers to Web3 access,” said Przemek Kowalczyk, CEO and Co-Founder of Ramp Network. “This collaboration is a win for users, businesses, and the broader crypto ecosystem, offering faster, safer, and more flexible payment flows worldwide.”
The partnership strengthens Onramper’s aggregated network, enhancing coverage, conversion, and payment diversity through a single, unified connection.
To learn more, visit onramper.com and rampnetwork.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 Ramp Network
Ramp Network is a global onramp and offramp provider offering secure, compliant, and user-friendly fiat-to-crypto payment solutions. With support for 110+ tokens across more than 40 blockchains, Ramp Network enables users to buy, sell, and swap crypto instantly using cards, Apple Pay, Google Pay, bank transfers, Revolut Pay, Pix, and other local methods.Its intuitive design and one-tap checkout experience make crypto purchases fast and frictionless, while strong regulatory compliance ensures safety and trust for users around the world.
