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Why use a fiat-to-crypto onramp aggregator?
One onramp will never be enough. Neither will five. An aggregator can solve the inherent issues the industry faces today.
The promise of the fiat-to-crypto onramp is an enticing one: with minimal effort, your platform can integrate a widget that allows your customers to turn their fiat money into bitcoin, ether or any other crypto.
In practice, however, onramping is far from the seamless process it’s made out to be. Your provider doesn’t want you to know this, but an estimated 50% of transactions fail after KYC has been passed.
That’s a little alarming, isn’t it? It gets worse. Our October 2022 report identified that abandonment rates during the checkout process can reach as high as 90%.
Why aren’t the onramps working?
To be clear, they do work. And when they do, they’re an excellent way to get new customers up and running in the crypto ecosystem. The problem is getting them to work consistently.
It’s impossible for any given onramp to cater to all demographics. With so much global variance in payment methods, proof of address/identity documents, and fiat currencies used, every solution must make trade-offs.
Unfortunately, those trade-offs come at the expense of user experience for a majority of customers — who are repeatedly hit with the dreaded ‘transaction failed’ error.
Aggregation fixes this
Simply switching your provider won’t solve an issue that impacts every player in the industry.
Introducing multiple onramps could reduce dropouts, in theory, but it’s an expensive solution that isn’t guaranteed to work:
- Integrating and maintaining several stacks eats a significant amount of resources
- Customers will still need to find an onramp that works for them via trial and error
The right aggregator can remove these points of friction: resulting in lower integration costs for you, and streamlined onboarding into the crypto ecosystem for your customers.
The secret sauce: dynamic transaction routing
At the heart of aggregation lies an engine that can identify (and understand) your customers profile and their needs — their location, the fiat currency they’re using, the KYC documentation they have available, etc. The engine takes these factors into account before intelligently matching them with the onramp most likely to ensure a successful transaction.
Our research shows that there are 70+ such inputs that can influence a fiat-to-crypto swap. To be effective, the aggregator’s engine must consider them all.
Truly global coverage
Want consistent completion in fiat-to-crypto transactions? Increase access to local payment methods.
Across the board, these routes are tied to higher success rates. But, frustratingly, there isn’t a single onramp that can provide access to them all — different solutions excel in local payment methods for different regions.
By aggregating them, you instantly broaden your access to location-specific rails. Which, in turn, allows you to equip your customer segments with the best path to crypto available.
Lower fees. Higher outputs.
You might know that your onramp’s fee isn’t actually representative of what your customers are paying. Far from it.
When presented with a single onramp, they’re tied to its conversion rates, its bid-ask spreads and its chosen network fees. All of these hidden costs add up to take a chunk out of the amount of crypto received.
Here, aggregation works as it does on any booking website: it weighs up the different onramps and (all) their rates to calculate the cheapest option — meaning that your customers get the best bang for their buck on every transaction.
Onboarding made easy
The crypto landscape can be difficult enough for newcomers to grasp. Their very first step shouldn’t be a massive hurdle.
With a fiat onramp aggregator, it won’t be. You’ll make sure your customers are repeatedly enjoying seamless swaps (for better rates, too) — all while reducing your own technological overhead.
Want to find out how Onramper can turbocharge your success rates with streamlined aggregation? Book a call with our experts today.
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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.
