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Onramper and Exodus Launch Cross-Chain Swaps
Onramper partners can now integrate aggregated crypto swaps directly within their applications.
February 20, 2025 – Onramper, the world’s leading fiat-to-crypto on-ramp aggregator, today announced the launch of its cross-chain, crypto-to-crypto swaps service. Now, Onramper partners can integrate swaps directly within their applications, empowering users to seamlessly swap between cryptocurrencies with the most advanced liquidity engine on the market.
With Onramper’s new swaps aggregator, termed “Onramper Swap,” users can enjoy compliant, secure, and lightning-fast swaps of 100,000 tokens across 50+ networks. Onramper’s premium swap engine is powered by XO Swap by Exodus, which sources users the best rates across 11+ liquidity providers.
“Cross-chain decentralized swaps products are traditionally inefficient and offer limited support across blockchains,” said Thijs Maas, CEO of Onramper. “Onramper Swap was developed to address these gaps by enabling seamless swap aggregation across diverse liquidity sources, delivering a faster and more efficient user experience. We're thrilled to partner with Exodus, a leading industry innovator, to bring this powerful swap engine to a wider audience.”
The launch of cross-chain swaps marks an expansion of Onramper’s existing partnership with Exodus. Exodus integrated Onramper’s on-ramp stack in 2024 to broaden the range of payment methods available to its users, including options like Interac in Canada and Unified Payments Interface (UPI) in India. Exodus users benefit from Onramper's sophisticated routing engines that recommend the best conversion in real-time.
"Cross-chain swaps should be effortless, and that’s exactly what this integration delivers. With XO Swap powering Onramper’s latest offering, users gain access to deep liquidity, competitive rates, and institutional-grade security—all built and tested at scale," said Kevin Wood, Director of Revenue Operations at Exodus.
Onramper’s swaps product arrives on the heels of its recent off-ramp launch, making it possible to integrate the world’s best off-ramps in a single sweep and ensuring global coverage, diverse payout methods, and best-price execution. Today, Onramper offers industry leading on-ramp, off-ramp, and swap aggregation solutions.
Onramper Swap: Features and benefits
Unparalleled choice: Onramper Swap supports 100,000 tokens across 50+ networks including EVM, Bitcoin, XRP, SVM, and Cosmos.
Competitive rates: Liquidity is sourced from 11+ sources, both centralized and decentralized, ensuring the best rates available.
Fully customizable: Partners can customize Onramper Swap to match their branding and add logos for a fully native experience.
Enterprise ready: Onramper Swaps is powered by XO Swap, which is built and tested at scale by the Exodus team. Onramper’s offering can be integrated in 10 minutes through a seamless plug-and-play process.
Secure: With nine years of experience, Halborn audits, and an active bug bounty program, XO Swap is powered by premium security.
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 Exodus
Exodus is a financial technology leader empowering individuals and businesses with secure, user-friendly crypto software solutions. Since 2015, Exodus has made digital assets accessible to everyone through its multi-asset crypto wallets prioritizing design and ease of use.
With self-custodial wallets, Exodus puts customers in full control of their funds, enabling them to swap, buy, and sell crypto. Its business solutions include Passkeys Wallet and XO Swap, industry-leading tools for embedded crypto wallets and swap aggregation.
Exodus is committed to driving the future of accessible and secure finance. Learn more at www.exodus.com or follow us on X at www.x.com/exodus.
Mistakes wallets make when designing their on-ramp flows
Common UX flaws in wallets onramping flows.
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.
Currency localization
Imagine going to a webstore where products are denominated in the wrong currency. You’ll think “this isn’t for me” and leave.
Yet across the top cryptocurrency wallets, it is common for fiat currencies to not be localized. In fact, in most of the top 10 wallets in the space, I had to manually try and find a way to change the fiat currency.
Some will argue that lack of localization of fiat currencies exists for privacy reasons. But users looking to buy crypto with fiat have to go through Know-Your-Customer (KYC) anyway, which includes filling in their physical address - and often even uploading their passport.
Of course, whether a ramp provider’s services can even be used depends on both fiat currency and country support, so providing a list of ramp options without localisation just results in sending users down dead paths.
Default amounts
In a number of wallets - including leading wallets like MetaMask and Phantom - the default amount displayed is 0. Have you ever wanted to buy $0 worth of cryptocurrency? Probably not.
So how should we think about default amounts?
In my view, the best way to approach default amounts is to use a round number that is higher than the median purchase.
This median changes from country to country, as the average transaction amount in Nigeria, for example, will be lower than in the United States. Therefore, the median should be determined on a country-by-country basis.
The amount displayed should adjust depending on the fiat currency, as at the time of writing every dollar is worth 1577 Nigerian Naira (not a very round number).
Payment method choice
Ask people from the Netherlands, India, Nigeria, the United States and the Philippines which payment methods they want to use to buy crypto, and each will give an entirely different answer.
Yet, the majority of the top cryptocurrency wallets do not support most of the payment methods that will be mentioned.
Other wallets have created flows with ramp providers that support many APMs, without creating a “payment method” selector. This results in the user not being able to compare the difference in price between payment methods.
In addition, any onramp provider that has more than 10 payment methods will be able to tell you how this quickly results in integrations becoming outdated, with the list of payment methods displayed to the user not reflecting what is actually supported (see below).
Payment method localization
For those wallets that do have a range of local payment methods enabled, credit cards are often selected as the default option, despite cards having notoriously bad conversion rates when it comes to buying cryptocurrencies.
Needless to say, it is important to localise payment methods and recommend the best payment methods to users (so important, in fact, that I’ve dedicated a separate article about it here).
Closing thoughts
It is time for us to build flows users enjoy. Next week I will cover on-ramp selection in part 2 of this series.
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."
Why you should not rank onramps based on fees
Why Priced-based ranking is not the best choice?
Price-based ramp ranking sounds logical—cheaper is better, right?
Wrong. This approach is deeply flawed, and it’s hurting your platform more than you realize. Why?
Because ramp providers are gaming the system.
They know that by initially offering the lowest price, they can move to the top of your list. But here's the kicker: once they’ve secured the transaction, they hike the price during the transaction flow, leaving your users to pay more than they bargained for.
It’s an all-too-common occurrence. In fact, if you’re a top-tier wallet, it’s happening to you right now, and it’s probably being done by multiple ramp providers.
At Onramper, we call this sneaky practice “quote spoofing”, and it’s been happening across the industry for years.
Here’s how you can check if this happens in your app:
- Enter an amount of fiat to buy for, and go to the ramp comparison screen.
- Write down the amount of crypto offered by each ramp provider, and open all onramp widgets.
- Click-through to the end of the transaction in each widget, and write down the final crypto received.
- Compare the amounts from step 1 and step 3.
Trust erosion and lost users
What’s the real impact of quote spoofing? First and foremost, it breaks trust.
Your users come to your platform expecting transparency and the best experience to access crypto. But when they see prices increase mid-transaction, they feel deceived. Shattered trust isn’t easy to repair.
As conversion rates drop, so does your onboarding volume. That’s a direct hit to your growth, all because price was prioritized over actual conversion rates and user experience.
What’s worse, this practice doesn’t just frustrate users—it also makes their transactions more expensive, which pushes them away even more.
Most ramp providers have been guilty of quote spoofing at one time or another. It’s not because they’re inherently bad actors, but rather because price-based ranking encourages this behavior.
The problem is systemic. Perverse incentives force ramp providers to prioritize getting picked over being transparent. To insiders, it is a known problem, and one that Onramper has been tackling for years.
Onramper Terminal: A window into the problem
Onramper's clients have been made aware of this practice for a long time. Thanks to the Onramper Terminal, they have insights into the accuracy of quotes and effective fees, giving them the information they need to prevent quote spoofing.
The Onramper Terminal shines a light on the murky tactics some ramp providers use, providing your platform with the data needed to call them out or change routing for bad actors.
In the Fee Transparency Dashboard that comes with Onramper Enterprise, for example, you get perfect insight into ‘quote accuracy’, showing exactly which ramp providers are guilty of quote spoofing in your ramps marketplace and by how much.
The Onramper Terminal also gives you visibility into how ramps are actually performing. Instead of just relying on price, you can see metrics on quote accuracy, conversion rates, payment authorization rates, and payment methods across your entire ramps stack.
This allows you to offer your users an experience that’s not only fair but also optimizes for successful transactions.
User loss = lower conversions
Here’s the bottom line: relying on price alone to rank ramps is costing you. It's ripping off your users and results in ramp providers gaming the system and sub-optimal UX.
When users abandon transactions halfway through because of price spikes, your conversion rates plummet.
Onramps offering lowball quotes just to get picked initially, only to increase prices later, results in more than just bad user experience—it results in fewer completed lifetime transactions.
And the fewer transactions that go through, the fewer users you onboard. In short, it’s the opposite of what your platform needs.
Moving beyond price-based ranking
So, what’s the fix?
It’s simple: rank based on more factors than price alone. Platforms that include other metrics, like expected success rates, KYC friction, and payment method compatibility alongside price see higher user satisfaction and better conversion rates.
Imagine offering your users the best onramp for their specific situation, not just the one offering the lowest (and often misleading) quote.
The result? A better experience for your users and higher completion rates for you. Onramper is leading the charge by providing advanced onramp routing based on pricing, success rate data and user-friction.
The best part? Our onramp recommendations boost your conversion rates beyond what you think is possible. (More on this in next week’s post!)
Curious to your thoughts,
Thijs
thijs@onramper.com
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."
Bitcoin.com partners exclusively with Onramper for global APMs
Onramper announced today an exclusive partnership with Bitcoin.com, a pioneer in the cryptocurrency space with 55+ million self-custody wallets created.
Onramper announced today an exclusive partnership with Bitcoin.com, a pioneer in the cryptocurrency space with 55+ million self-custody wallets created, to power support for alternative payment methods (APMs) around the world. As part of this collaboration, Bitcoin.com will integrate Onramper’s industry-leading on- and off-ramp solutions for global processing on the Bitcoin.com website and the Bitcoin.com Mobile Wallet app.
Integrating local payment providers across geographies presents a tedious, resource-intensive challenge for crypto platforms. Onramper solves this obstacle by aggregating alternative payment methods into one solution, making onboarding users easier than ever. Bitcoin.com will leverage Onramper’s solution to onboard users around the world, from LatAm, Africa, SEA, and beyond.
“Bitcoin.com serves as a gateway for millions to engage with Bitcoin and other tokens. We’re pleased to help expand its global user base and ensure support for over 130 local payment methods worldwide,” said Thijs Maas, CEO of Onramper. “Alternative payment methods can double the success rates of crypto purchases and play a crucial role in increasing access to the crypto ecosystem, while enhancing the overall user experience.”
Onramper’s on-ramp aggregator enables users to purchase crypto across 190+ countries and 130+ local payment methods. This extensive geographic coverage is complemented by sophisticated routing engines that recommend the best conversion for users in real-time — maximizing the odds of a successful transaction and ensuring that users receive the most crypto for their fiat.
Released in September 2024, Onramper’s off-ramp service enables partners to integrate the world’s best off-ramps in a single sweep and ensure global coverage, diverse payout methods, and best-price execution. Off-ramp coverage spans support for 46 fiat currencies and 500+ cryptocurrencies across 200 countries, off-ramping to 32 payment methods including credit/debit cards, bank accounts, and PayPal.
“At Bitcoin.com, we’re all about making Bitcoin and crypto accessible to everyone, everywhere,” said Bitcoin.com CEO Corbin Fraser. “The economic freedom these technologies offer can unlock incredible opportunities, and onboarding more people is key to that mission. Partnering with Onramper helps us do just that — making it easier for users in a wide variety of countries to enter the space using the payment methods that work best for them. It’s a big step toward breaking down barriers and expanding global access to crypto.”
Bitcoin.com is available in 190+ countries. Over 55 million self-custody wallets have been created in the multichain Bitcoin.com Wallet since its launch, and the app has been downloaded more than 10 million times across iOS and Android devices.
Onramper is now live on the Bitcoin.com website and the Bitcoin.com Mobile Wallet app.
To learn more, please visit onramper.com and wallet.bitcoin.com.
Yellow Card Partners with Onramper
Onramper today announced a partnership with Yellow Card, Africa's leading stablecoin on- and off- ramp, to enhance fiat-to-crypto onboarding across the continent.
November 26, 2024 – Onramper today announced a partnership with Yellow Card, Africa's leading stablecoin on- and off- ramp, to enhance fiat-to-crypto onboarding across the continent. As part of the collaboration, Onramper will integrate Yellow Card’s on- and off-ramps into its aggregation offering.
Yellow Card launched in Nigeria in 2019 and has quickly become one of Africa's fastest-growing fintechs, now present in 20 countries with over 1.7 million retail customers. It is the first and largest licensed stablecoin on- and off-ramp on the African continent, providing secure and cost-effective methods to buy and sell USDT, USDC, and PYUSD via local currency and its Payments API.
Onramper will add three of Yellow Card’s local payment methods to its growing stack, enabling the purchase of stablecoins (and other coins) in 20 African countries using local mobile money, bank transfers, and instant peer to peer bank transfers.
Notably, Nigeria ranked #2 in the Chainalysis 2024 Global Crypto Adoption Index, a report identifying countries leading the world in grassroots crypto adoption. Through Onramper’s partnership with Yellow Card, Nigerian users of all of Onramper’s clients can now easily access crypto.
“Nigeria is a key market for many digital wallets, with a large user base that seeks to onboard into the crypto ecosystem,” said Thijs Maas, CEO of Onramper. “Our work with Yellow Card will improve access to crypto, making it more localized for users in Nigeria and across Africa as a whole.”
Onramper’s industry-leading on-ramp aggregator enables users to purchase crypto across 190+ countries and 130+ local payment methods. This extensive geographic coverage is complemented by sophisticated routing engines that recommend the best conversion for users in real-time — maximizing the odds of a successful transaction and ensuring that users receive the most crypto for their fiat.
“As we continue to drive financial inclusion across Africa, our partnership with Onramper marks a pivotal step toward making digital assets more accessible and user-friendly. This collaboration is more than just a technological integration—it’s a pathway to economic resilience and a step forward in empowering Africans to take control of their financial futures.” — Gillian Darko, Chief of Staff and Director of Strategy at Yellow Card
With the addition of Yellow Card, Onramper boasts an impressive lineup of 27 on-ramps for the best crypto experience around the world.
About Yellow Card
Yellow Card is a pan-African Fintech company operating across 20 countries. We are the largestand first licensed Stablecoin on/off ramp on the African continent. We provide businesses of all sizes with secure and cost-effective methods to buy and sell USDT, USDC, and PYUSD via their local currency directly and through our Payments API.
Founded in 2016 by Chris Maurice (CEO) and Justin Poiroux (CTO), Yellow Card launched inNigeria in 2019, and since then it has quickly grown to be one of the fastest-growing fintechs inAfrica, with a presence in 20 countries and over 1.7 million retail customers.
In 2023, Yellow Card was awarded the prestigious “Disrupter of the Year” award at the Africa Financial Industry Summit (AFIS). The award acknowledges companies that have demonstrated resilience in challenging times and whose innovation represents a market disruption.
Onramper to Support Ramps Infrastructure for World App, Flagship Wallet of Worldcoin Ecosystem
Onramper to Support Ramps Infrastructure for World App, Flagship Wallet of Worldcoin Ecosystem
Onramper, the world’s leading fiat-to-crypto on-ramp aggregator, today announced it will provide ramp infrastructure for World App while spreading adoption of Worldcoin (WLD) on Optimism and the newly launched World Chain blockchain. Launched on mainnet today, World Chain is a blockchain designed for humans, built to scale the Worldcoin protocol and the broader Ethereum community to 1 billion people and beyond.
As part of the partnership, World App, the flagship wallet of the Worldcoin ecosystem, will integrate Onramper’s new on and off-ramp stack, ensuring support for WLD and USDC.E on World Chain across Onramper’s robust ramp ecosystem. This integration enables users globally to on- and off-ramp via World Chain to bank accounts, cards, PayPal, as well as allowing users to be onboarded seamlessly on a global scale using over 130 local payment methods.
Released in September 2024, Onramper’s off-ramp service enables partners to integrate the world’s best off-ramps in a single sweep and ensure global coverage, diverse payout methods, and best-price execution. Off-ramp coverage spans support for 46 fiat currencies and 500+ cryptocurrencies across 200 countries, off-ramping to 32 payment methods including credit/debit cards, bank accounts, and PayPal.
“Onramper is proud to be a ramps provider for World Chain, broadening support for the newly launched blockchain across the crypto ecosystem,” said Thijs Maas, CEO of Onramper. “Our ramp infrastructure is known for its smooth flows, with native transaction initiation from the wallet to sell crypto, making it even more convenient for users to engage with WLD.”
Worldcoin launched out of beta in July 2023 to accelerate the adoption of Proof of Personhood and decentralized finance, which will be fundamental in the age of AI. Already more than 15 million people from 160 countries have created a World ID and a compatible wallet, which they’ve used to perform 75 million transactions. As of today, 6,937,842 people have also verified their World ID using an Orb. Over the coming months, World Chain’s Onramper integration will roll out in stages globally.
To learn more, please visit onramper.com and worldcoin.org/world-chain.
Gate.io Enters Strategic Partnership with Onramper
Gate.io Enters Strategic Partnership with Onramper for Simple Fiat-To-Crypto Conversions on the Gate.io Exchange
October 15, 2024 – Gate.io, a top 5 cryptocurrency exchange by market capitalization, recently announced a strategic collaboration with Onramper, the world's leading fiat-to-crypto on-ramp aggregator. The partnership will focus on cross-integration to make purchasing crypto around the world more convenient and accessible.
Onramper’s industry-leading on-ramp aggregator enables users to purchase crypto across 190+ countries and 130+ local payment methods. This extensive geographic coverage is complemented by sophisticated routing engines that recommend the best conversion for users in real-time — maximizing the odds of a successful transaction and ensuring that users receive the most crypto for their fiat.
Since launching in 2013, Gate.io has quickly become one of the top cryptocurrency exchanges in the world, serving more than 17 million customers. Gate.io is a leader in providing digital asset security, helping to ensure that all assets on the platform are protected from potential hackers. As part of the new partnership, Gate.io will integrate Onramper's on-ramp stack to significantly increase the number of payment methods available to users and improve transaction success rates. This will greatly enhance the user experience for Gate.io's 17 million+ users. Gate.io will also benefit from access to Onramper's Terminal, providing the exchange with valuable insights that can help Gate.io make additional improvements to its platform.
When asked about the partnership, Dr. Lin Han, Gate.io Founder and CEO, stated, "This integration with Onramper will help us make purchasing crypto easier than ever before for our existing users and will help us to reach new users interested in purchasing their first crypto using fiat currencies."
Gate Group recently added GateConnect to its growing product ecosystem, an on- and off-ramp to convert fiat into crypto. Today, GateConnect enables users to exchange between 30+ fiat currencies and 1,600+ cryptocurrencies using debit cards, credit cards, and bank transfers. Onramper will integrate GateConnect to its growing on-ramp aggregator, allowing users to seamlessly purchase crypto in non-custodial wallets globally.
In reference to the partnership with Gate.io, Thijs Maas, CEO of Onramper said,“We’re thrilled to collaborate with Gate.io as it broadens its on-ramp capabilities and looks to enhance fiat onboarding. This mutually-beneficial integration will improve both Gate.io and Onramper’s offerings while positively impacting the crypto ecosystem as a whole.”
Both Gate.io and Onramper look forward to providing a more complete cryptocurrency trading experience to crypto enthusiasts and those new to the industry via this partnership.
About Gate.io
Gate.io is one of the world’s earliest cryptocurrency exchanges and a leader among compliant and secure digital asset platforms, offering diverse trading services with 100% user-verifiable Proof of Reserves. Further, the platform has consistently ranked as one of the top cryptocurrency exchanges based on liquidity and trading volume. Besides its primary exchange services, Gate.io has diversified its ecosystem to offer decentralised finance, research and analytics, venture capital investing, wallet services, startup incubation, and more.
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.
Unlocking high conversions - the importance of local payment methods
How alternate payment methods provide higher conversion rates.
Let’s face it—nothing disrupts a user journey like a failed transaction. Every missed payment is a missed opportunity. With so much on the line, users should be offered the highest-converting payment methods and on-ramps when purchasing crypto.
Sadly, this is rarely the case.
Addressing the core issue: Localization
Localization is when you tailor your payment flows to meet the cultural and regulatory needs of different geographies.
If you don’t localize, you’re not alone. Even leading wallets like MetaMask and Trust have no smart logic behind which payment methods and on-ramps are offered to its users.
Users are often pushed to use credit cards despite this method having low adoption rates (and even lower conversion rates) in many parts of the world.
Did you know that offering the right local payment methods can dramatically increase conversion rates?
The data is clear:
- Netherlands: 95% of users prefer iDEAL, which boasts an 80%+ conversion rate (credit card transactions lag at 30%)
- India: UPI conversion rates hover around 40%, while cards are practically non-existent
- Germany: Revolut outshines credit cards in performance
- Indonesia: QRIS dominates with a conversion rate of 56%, compared to just 3.6% for cards
This illustrates a key point: offering local payment methods and nudging users toward the best-performing option can completely transform your conversion rates.
Imagine reducing the number of clicks your users need to make by simply pre-selecting their local fiat currency and best-performing payment method. This simple optimization has been shown to reduce friction and improve the overall user experience.
How does it work?
Onramper allows you to detect your user's country through their IP or App Store location.
By pre-selecting the appropriate fiat currency, you streamline the transaction process and increase conversion rates.
The numbers don’t lie
When the right local payment methods are recommended over credit cards, Onramper’s approach leads to an average 132.2% increase in conversion rates.
In a world where every sale counts, these are the kinds of numbers you can’t afford to ignore.
Did you know: Most wallets don’t even localize languages. With Onramper, we provide users a totally native experience by translating the buy flow into their local language.
Maximizing conversions with our APIs
Onramper is the world’s only on-ramp aggregator that allows you to recommend payment methods based on conversion.
Through our Payment Types API, you can retrieve a list of available payment methods based on your user's country, preferred fiat, and desired cryptocurrency. This isn’t just about giving your users more options—it's about making the right options easy to find.
Quality, not quantity
The key to high conversion rates isn’t just offering more payment methods—it’s about offering the right ones.But what do you do if there are multiple on-ramps that support the same payment method?
In that case, the solution is to route users to the best on-ramp. Your routing algorithm should prioritize location and payment method and then select the best on-ramp.
Localization of payment methods is only the first step, however. In our next article, we’ll discuss how your routing engine also affects conversion rates.
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.
Revolut joins forces with Onramper to deliver seamless fiat-to-crypto swaps
We've teamed up with Revolut Ramp to deliver even smoother onboarding.
Onramper and Revolut have announced a strategic partnership to broaden access to crypto for users across the UK and European Economic Area (EEA).
Through this collaboration, Onramper adds yet another top-tier solution to its growing fiat-to-crypto onramp aggregator, which, at the time of announcement, boasts an impressive lineup of 19 onramps and support for over 130 fiat payment methods.
Onramper’s extensive geographic coverage is complemented by sophisticated routing engines that recommend the best conversion for users in real-time — maximising the odds of a successful transaction and ensuring that users receive the most crypto for their fiat.
Global financial app Revolut, which has more than 40 million customers worldwide, has been making inroads into the crypto space since 2017, and is on a mission to become the go-to financial app for crypto investors, providing them with a safe and accessible place to trade.
Its latest product, Revolut Ramp, is a seamless fiat-to-crypto on-ramp that enables users to use a range of currencies to purchase dozens of cryptocurrencies within seconds. Existing Revolut customers can skip any verification checks as the company utilises existing verification from within the Revolut app.
When customers pay directly from their Revolut account, the fiat transaction is outside of the scheme card rails and entirely within Revolut's ecosystem. This increases the success rate and allows Revolut to offer competitive prices without being burdened by additional card processing costs.
Revolut Ramp also offers an integrated Know Your Customer (KYC) process that non-Revolut customers can complete in just a few minutes. This process uses the same infrastructure that has been used to verify the identities of millions of Revolut users in a seamless and low-friction way.
Today, Revolut Ramp is the simplest method for both existing and non-Revolut users to bridge into the world of Web3 — and a must-have for wallets seeking to broaden their coverage. Already, the solution has been adopted by top platforms in the crypto space, like MetaMask. This integration will allow easy roll-out to Onramper’s extensive client base.
“Since our inception, we’ve been laser-focused on giving businesses and their users as many options as possible,” said Thijs Maas, CEO of Onramper. “Revolut Ramp is a real asset in our stack: it’s got great tech, strong coverage, and a stellar reputation in both traditional financial and crypto circles.”
Onramper’s 2023 report, The three best-kept onramping secrets, highlights the importance of a multi-onramp strategy: though so many solutions exist, none have the scope to ensure global coverage that reflects the payment preferences of local users. The result? An alarmingly high number of failed transactions.
“Together with Onramper, we’re pleased to be making Revolut Ramp even more accessible to a broad roster of top crypto players,” added Emil Urmanshin, Director, Crypto & New Bets, at Revolut. “Our on-ramp solution ensures even higher success rates for transactions and low fees for all customers. We want to empower people to take more control of their finances by giving them safe, convenient, and seamless access to the world of Web3 — and this is just another key step in our mission to make this a reality.”
About Onramper
Onramper is the leading fiat-to-crypto onramp aggregator. Its infrastructure seamlessly integrates 19+ of the top onramps, offering unmatched global coverage and the lowest fees.
Central to Onramper’s stack are its dynamic transaction routing engines: in real-time, these assess a wide range of factors to match users with the best onramp for their needs. On average, Onramper improves conversion rate by 70% — all while ensuring users pay lower fees.
About Revolut
Revolut is a global fintech, helping people get more from their money. In 2015, Revolut launched in the UK offering money transfer and exchange. Today, more than 40 million customers around the world use dozens of Revolut’s innovative products to make more than half a billion transactions a month.
Across our personal and business accounts, we give customers more control over their finances and connect people seamlessly across the world. www.revolut.com
There are several ways to buy and sell crypto on Revolut. Customers can set up a stop or limit order so they don’t have to time the market or use the Recurring Buy feature to average out volatility.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high‑risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
As part of Revolut’s goal to be the safest place to trade, use and learn about crypto, Revolut regularly communicates with customers that crypto tokens are volatile assets and prices can change quickly. Revolut believes in widening access to crypto and also recognises that it may not be appropriate for everyone, so the company encourages its customers to research the various cryptocurrencies and the risks and opportunities before buying or selling. Customers should review independent sources and learn the differences between tokens as well as considering their personal circumstances when buying or selling crypto. Cryptocurrencies are unregulated and funds are not protected by investor compensation schemes. Tax could be payable on trading gains.
Onramper x Wallet in Telegram: building the TON onboarding rails
We're working with Wallet in Telegram to make crypto onboarding easier for 900m users worldwide.
We're working with Wallet in Telegram to make crypto onboarding easier for 900m users worldwide.
By integrating the premier fiat-to-crypto aggregator, Wallet in Telegram has chosen the best solution for catering to a global audience with diverse payment method preferences and requirements.
Our stack features 19 onramps and 140+ payment methods, ensuring comprehensive and redundant global coverage for one of the biggest players in instant messaging. Its ultimate goal? To make crypto easily accessible to everyone, everywhere.
In our 2023 report, The three best-kept onramping secrets, we unveiled some alarming statistics about the failures of fiat-to-crypto swaps: even onramps that claim to offer global coverage have sub-1% success rates in countries they claim to support.
We attribute this to a lack of capacity in onramps, a lack of local payment method support, and an over-reliance on card payments. With our solution, these problems are addressed: more onramps means a greater range of local payment methods, meaning higher success rates for users across the world.
“I’m particularly excited about this partnership,” said Thijs Maas, CEO of Onramper. “We’re focused on mass adoption, which means streamlining the checkout process for crypto and non-crypto users alike. Wallet in Telegram caters to both of these audiences. Together, we have a tremendous opportunity to further adoption with an intelligent routing solution wrapped in a slick user experience.”
Thus far, we've played a pivotal role in evangelizing TON (and TON-based USDt) to our onramp partners, ensuring that as many paths into TON exist for as many users possible around the world — not just within Wallet, but on any major platform that supports these onramps.
Coinify, Guardarian, BTC Direct, TransFi, Onramp Money, Neocrypto and Alchemy Pay are among the onramps in the Onramper widget that support TON. Meanwhile, TON-based USDT is available via UTORG, Unlimit Crypto, Fonbnk, Banxa, Onramp Money, Neocrypto and Alchemy Pay. Unique payment methods for all onramps supporting TON include Apple Pay and Astropay.
“Working with Onramper provided us the opportunity to offer our users over one hundred payment methods with one single integration, accelerating our time to market and mitigating dev resources.” said Victor Mendes, Head of BD at Wallet in Telegram.
The Onramper widget — leveraged by the likes of Coinbase Wallet, Solflare and Exodus — blends a minimalist, intuitive UI with sophisticated routing engines that ensure users are always matched with the best onramp for their needs. On average, it delivers 2.5% more crypto to users than other solutions.
Crucially, our commitment to broadening access (via partnerships with a range of region-specific onramps) makes the stack an unparalleled offering for ushering in mass adoption.
“Telegram's expansive user base of 900 million worldwide underscores the importance of enabling fiat onramps in numerous countries and supporting diverse payment methods,” said Halil Mirakhmed, CSO at The Open Platform and Wallet. “Through the integration with Onramper, we aim to extend payment support to the majority of our valued customers.”
This partnership goes beyond the provision of a cutting-edge fiat-to-crypto onramp aggregator. Together, Onramper and Wallet in Telegram are meaningfully laying the groundwork for the growth of a vibrant Web3 community on one of this year’s most anticipated protocols.
With The Open Network (TON) gaining traction, Wallet in Telegram is uniquely positioned to onboard the next wave of crypto users. With 900m participants already in its ecosystem, the instant messaging titan has an unmatched opportunity to provide the rails into Web3 for millions around the globe, all through a Web 2.0 interface that they’re already familiar with.
About Wallet in Telegram
Wallet is the definitive user-friendly platform for efficiently managing crypto assets. By harnessing the power of The Open Network (TON) Blockchain and massive distribution through Telegram Messenger, Wallet has created a streamlined and accessible gateway to crypto for the messenger's 900m user base. Wallet users can effortlessly store, send, and receive digital assets, all on a single autonomous platform within the familiar interface of Telegram. Managing crypto is now as simple as sending a message.
Onramper’s Q1 2024 roundup 🎉
New partners. New onramps. New features. Here’s what’s been cookin’ over the past three months.
Time flies when you’re perfecting fiat-to-crypto onboarding! Here’s what we’ve been up to over the past few months — and what you can expect going forward.
Client spotlight: Solflare 📈
Everyone’s favorite Solana wallet just got a massive upgrade.
Within a month of integrating Onramper, Solflare boosted its volumes by an astounding 280% — all thanks to our sophisticated routing engines and extensive support for alternative payment methods.
But don’t just take our word for it. Check out the case study here to dive deep into the data.
New partners 🤝
The latest collabs we’re thrilled about:
Telegram Wallet
A player that needs no introduction. From the instant messaging titan comes Wallet: a mini-app, right within Telegram, that allows users to easily send, receive and store their crypto.
With all eyes on TON, it couldn’t be a more exciting time to partner with the visionaries behind it.
CoinStats
The must-have dashboard for crypto power users — enabling them to easily visualize DEX and CEX positions through a single portal.
With us in their corner, CoinStats now have robust fiat-to-crypto rails embedded right in their platform.
Delta Exchange
Futures and options platform Delta Exchange delivers a versatile product suite, ideal for all kinds of trailers. Thanks to Onramper, buying crypto via their platform is simple.
New onramps 💱
We’ve added to our all-star lineup with two more region-specific onramps — bringing you a total of 18 solutions, all via a single integration.
Koywe
A LATAM-focused solution with great local payment method support and high success rates.
DFX
Zug-based DFX is ranked among the top onramps for Swiss users.
Binance P2P
A P2P gateway with support for a vast range of currencies and payment methods.
Coinify+
A personal, over-the-counter solution for users trading large amounts.
Stay tuned for details on Stripe and Revolut integrations… 👀
We speak your language 🗣️
We’ve added widget localization!
If an onramp supports your platform’s language, you can now have it automatically adjust come transaction time.
A new look for the docs 📄
Get up and running even quicker with our refreshed docs — serving up the information you need to integrate and customize the Onramper widget through a sleek, intuitive portal.
Supercharge your onboarding game 💯
18+ onramps. 130+ payment methods. Zero effort.
Whether you’re building the next great crypto platform, the last thing you want is to waste time reinventing the wheel.
Focus on what counts — and let the onramping experts take care of the rest. Try Onramper for free now!
Banxa joins forces with Onramper
Our latest partnership means even more options for your users. Learn why we're thrilled to team up with Banxa in our latest blog.
The more onramps you can offer your users, the better their experience.
At Onramper, we aim to make multi-onramp support the default across the industry. To do so, we’re constantly teaming up with the best of the best to provide your users with more fiat currencies, more cryptocurrencies and more local payment methods.
We’re delighted to announce that we’ve partnered with Banxa: a global team of crypto innovators on a mission to build the infrastructure to enable crypto transactions for merchants and their consumers.
“Banxa is excited to join Onramper’s mission to provide users with its extensive range of payment options,” said Holger Arians, CEO of Banxa. “In our experience, removing barriers to accessing crypto is instrumental to providing a better overall experience for all types of users.”
Among their products is a robust onramping solution which currently serves various DEXs, centralized exchanges and wallets in the space. Banxa supports transfers across Web3, and its partners praise its ability to deliver local processing and local alternative payment methods (APMs) on a global scale.
At a glance, Banxa supports:
- 34+ fiat currencies
- 104+ cryptocurrencies
- 16+ payment types
Already an Onramper customer? Banxa is now available via the widget and API.
Not a customer yet? Find out more about our widget here — which provides access to Banxa (and a vast range of other onramps) to ensure truly global coverage.
How Web3 businesses can onboard more users with integrated onramps
The next iteration of the Internet promises an exciting future for individuals the world over. Here's how you can maximize your reach.
The next iteration of the Internet promises an exciting future for individuals the world over.
Powered by decentralized technologies, Web3 is set to change everything — from the payment methods we use online to the ways we think about ownership of art, data and even real-world assets.
With such a shift, however, comes a learning curve. The mainstream hails from the Web 2.0 era, where things work differently — and concepts such as self-sovereignty and private keys are totally foreign.
To onboard the masses, overcoming the hurdles associated with these new mental models is critical. We believe that starts with onramping.
Why are integrated fiat-to-crypto onramps so important?
In a perfect world, new users land on your Web3 site and can immediately start interacting with it. That may be the case for those already in crypto, but what about those that aren’t?
For a user new to crypto, there’s the lengthy ‘getting started’ phase. Web3 wallets make it relatively easy to manage funds and interact with platforms, but obtaining crypto can be an overwhelming endeavor. The often-recommended route — registering for a centralized exchange — is a lengthy process which requires users to:
- Submit KYC documentation
- Wait for verification
- Figure out how to buy and then withdraw crypto
Once this is all done, only then can they start interacting with your platform.
An integrated onramp can make things much easier. For starters, it lives on your site — and it’s reminiscent of the checkout flows that Web 2.0 users are already familiar with.
It’s also a lot more intuitive: users select their preferred payment method and their desired input/output currencies, before being guided through the flow to receive their crypto. Before they know it, they’re ready to interact with your platform — and they haven’t been sent to an off-site exchange.
Web3: more than crypto
Arguably, Web3 has a much wider appeal than cryptocurrency by itself.
The likes of Bitcoin and ether appeal primarily to those interested in the financial and technological aspects of digital money. But the all-encompassing Web3 umbrella spans all kinds of industries — and it even represents something of a cultural shift, as decentralized technologies will fundamentally alter the way we interact in the digital world.
The challenges of this shift are, granted, complex. To frictionlessly transition users from Web 2.0 to Web3, we need to keep their existing mental models in mind by designing experiences that mirror the processes of the current Internet.
There are many areas where UI/UX can be improved. However, we’re most interested in the fiat-to-crypto flow — and making it easy for users to onboard into Web3. For us, this means delivering an experience that wouldn’t be out of place on an ecommerce website: one that’s fast, one that’s intuitive, and one that moves the user from Point A to Point B as seamlessly as possible.
Onboard users effortlessly with Onramper
With just eight lines of code, you can immediately integrate over 15 of the industry’s best onramps into your platform.
Onramper’s widget automatically pairs your users with the onramp most likely to guarantee transaction success, time and again, thanks to our proprietary dynamic transaction routing engines.
In case you missed it, our recent report, The three best-kept onramping secrets, revealed that single-onramp solutions lead to alarmingly high failure rates. With a fiat onramp aggregator, however, you can remain confident that your users are matched with the best option for them — without any added effort.
120+ payment methods in 180+ countries. Never worry about onboarding users again with Onramper’s set-and-forget widget. Get in touch to find out more.
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