May 13, 2025 – Onramper, the world’s leading fiat-to-crypto on-ramp aggregator, today announced a partnership with MiniPay – Opera’s stablecoin wallet – to expand the accessibility and utility of stablecoins for users worldwide. Stablecoins are rapidly gaining momentum as a medium of exchange, facilitating remittances and streamlining cross-border payments while promoting financial stability and inclusion. In 2024 alone, annual stablecoin transfer volume reached $27.6 trillion – surpassing the volumes of Visa and Mastercard combined.

Opera, the global web innovator with nearly 300 million users, first unveiled MiniPay in September of 2023 as an embedded feature within Opera Mini – the browser of choice for users across Africa. A dollar stablecoin wallet built on Celo, MiniPay offers seamless global peer-to-peer transfers at sub-cent fees using simply mobile phone numbers. It features easy onboarding with key backup through Google and now iCloud.

Since its launch, MiniPay has grown to over 7 million activations across 50+ countries, enabling fast, secure, and intuitive stablecoin transactions with an emphasis on accessibility and utility.

Today, MiniPay will tap into Onramper’s industry-leading on- and off-ramp aggregation infrastructure to broaden stablecoin accessibility.Onramper supports 25+ onramps and 130+ local payment methods, while its off-ramp product covers seven off-ramps, supporting 46 fiat currencies and 500+ cryptocurrencies. 

“Stablecoins have emerged as one of the most impactful use cases for digital assets, with regions like Latin America embracing them for low-cost remittances and as a hedge against monetary instability,” said Thijs Maas, CEO of Onramper. “Collaborating with MiniPay allows us to onboard more users in SEA, LatAm, and beyond into the stablecoin ecosystem, using a gateway as simple as a mobile phone number to get them started.”

As of May 13, 2025, MiniPay officially launches as a standalone app for iOS, meaning it is now present both within Opera Mini and the Google Play and App Stores, making it a truly global stablecoin wallet. Key features of MiniPay include:

• Send and receive stablecoins in seconds using just a phone number
• Buy and sell USDT, USDC, and cUSD stablecoins with zero fees
• Access real-world use cases like paying for utilities, buying gift cards, redeeming vouchers, and more
• Localized cash-in and cash-out across a variety of local currencies 

“MiniPay isn’t just another Web3 wallet, it’s a product designed for people who live globally, work remotely, and need fast, affordable access to digital dollars. Onramper gives us the rails to make that experience seamless for users around the globe,” said Jørgen Arnesen, EVP of Mobile at Opera.

MiniPay is now live across iOS and Android in countries including the US, Canada, Brazil, Germany, Nigeria, Kenya, Ghana, South Africa, and more. You 

To learn more, please visit onramper.com and minipay.xyz.  

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May 8, 2025 – Onramper, the world’s leading fiat-to-crypto onramp aggregator, today announced a partnership with Xverse to expand global accessibility to Bitcoin and its related assets. As crypto adoption accelerates – driven by rising institutional activity and favorable regulatory conditions – Xverse’s Bitcoin wallet provides a seamless gateway to Bitcoin, Runes, Ordinals, BRC-20 tokens, Rare Sats, STX, and more.

In Q1 2025, Bitcoin’s market dominance surged by 4.6%, accounting for over 59% of the total crypto market cap – its highest level since early 2021. As more users worldwide look to engage with the digital asset, Onramper’s partnership with Xverse enables them to fund their Bitcoin wallets using 130+ payment methods, from Apple Pay and Google Pay, to hyper-local payment methods across 190+ countries.

Further, Onramper’s industry-leading onramp aggregator is complemented by sophisticated routing engines that recommend the best conversion for users in real-time — maximizing their odds of a successful transaction and ensuring they receive the most crypto for their fiat.

“Bitcoin has demonstrated remarkable maturity and growth over the past year, driven by factors like Bitcoin ETFs in the U.S. and increasingly friendly crypto policies,” said Thijs Maas, CEO of Onramper. “Collaborating with Xverse enables us to help onboard more users into the Bitcoin ecosystem and enhance the experience of those already engaging in the Bitcoin economy.”

With a growing userbase and nearly 2 million downloads, Xverse is the leading Bitcoin Web3 wallet supporting Ordinals, Runes trading and BRC-20 inscriptions. Its user-friendly interface on iOS, Android, and Chrome extension sets a new standard for Bitcoin wallets and plays a key role in driving mainstream adoption.

"Xverse, powered by our new Onramper integration, makes advanced Bitcoin capabilities like on-chain trading and DeFi seamlessly accessible worldwide,” said Ken Liao, Xverse founder and CEO. “We're bridging the gap from enthusiasts to everyday users, unlocking Bitcoin's full potential for everyone with unparalleled speed and simplicity."

To learn more, please visit onramper.com and xverse.app.

About Xverse

Xverse is the leading Bitcoin wallet for Web3, providing first-class support for Runes, Ordinals, NFTs, DeFi and decentralized applications. With a beautifully designed, easy-to-use wallet available on iOS, Android and desktop as a Chrome browser extension, Xverse lets users securely manage Bitcoin on layer 1 as well as layer 2 networks like Stacks, and soon, the Lightning Network.

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.

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April 23, 2025 – Onramper, the world’s leading fiat-to-crypto on-ramp aggregator, today announced an exclusive partnership with token.com, a social-fi crypto platform that lets users interact with token projects as they would with social media profiles. As the exclusive onramp provider for token.com’s newly revamped Solana wallet, Onramper enables users to fund their wallets directly in-app using 130+ payment methods.

Token.com is revolutionizing crypto discovery with a TikTok-style feed, where users scroll through video reels to explore and learn about various tokens in the crypto ecosystem. With its upgraded Solana wallet and partnership with Onramper, users no longer need to juggle multiple platforms to discover and purchase tokens — wallet funding is now seamless and all in one place.

Alongside accepting 130+ payment methods, Onramper’s industry-leading onramp aggregator enables users to purchase crypto across 190+ countries. This extensive geographic coverage is complemented by sophisticated routing engines that recommend the best conversion for users in real-time — maximizing token.com users’ odds of a successful transaction and ensuring they receive the most crypto for their fiat.

“Education and accessibility are two key components to onboarding the world to crypto. Token.com is making great strides in helping users discover, understand, and track new tokens, while Onramper is the final puzzle piece — enabling seamless token purchases anytime, anywhere, with their preferred payment methods,” said Thijs Maas, CEO of Onramper. “As the platform upgrades its wallet strategy, we're thrilled to be the exclusive partner helping onramp more people into the crypto ecosystem.”

The revamped token.com Solana wallet is available now on the App Store and Google Play.

“At token.com, our mission is to deliver a seamless, user-centric experience from day one,” said Mel Gelderman, CEO of token.com. “When we relaunched with a wallet-first approach, choosing Onramper was an easy decision — not only do they remove the heavy engineering lift of managing 20+ ramps, but their routing engine also ensures each user automatically gets the best option for price and conversion.”

To learn more, please visit onramper.com and token.com.

About token.com

Token.com is revolutionizing crypto discovery and investing through a pioneering social-fi platform that seamlessly merges social discovery with trading capabilities. The TikTok-style video feed transforms complex crypto investing into an intuitive, scroll-based experience where users discover trending Solana tokens and invest through the feed. Token.com is bridging the gap between the billions engaged on social media and the mere 90 million active crypto users worldwide, creating a pathway to onboard the next billion users into the crypto ecosystem.

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.

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You may have been there before. Your team’s focus suddenly shifts to a new country or new on-ramp, a new payment method or UI improvement.

You look at the current product and think, “We just need one more feature, one more integration, and we’ll be done.” So you allocate resources from a dev team that has heard this one before, and push through.

But a few months later, the same conversation happens again. Maybe a new market needs a specific payment method. Compliance requirements shift. User expectations evolve. And suddenly, you’re back to square one, convincing yourself that just one more feature will finally complete the puzzle.

It never does.

You end up in an endless cycle of incremental decisions, each one adding complexity, maintenance, and opportunity cost.

Meanwhile, you are constantly fighting for resources internally, and as time passes you realise you are constantly falling behind on the latest developments. For your onramp stack, you’re lacking smart routing, low-KYC options, DCA, and whatever else the latest craze is.  

The sunk cost fallacy in product management

Why does this happen?

In the past, decisions have been made to build, rather than outsource. Time, money, and engineering effort has been spent into building something, and now it’s hard to stop. The logic goes:

"We’ve already integrated three, four, or even five on-ramps. We’ve done so much work—why not just add one more instead of rethinking our approach?"

This is the sunk cost fallacy in action.

Each new integration feels like a small step forward, but in reality, it’s a growing web of maintenance, dependencies, and technical debt. Every time you choose to build instead of leveraging an existing solution, you’re committing your team to ongoing upkeep, often at the cost of innovation elsewhere.

Meanwhile, your competitors, who aren't stuck in this cycle, are shipping faster and capturing more market share.

The true cost of “one more feature”

Saying yes to another feature or integration might seem like the logical choice, but it comes at a cost:

💸 Mounting maintenance – More integrations = more code to maintain, more bugs to fix, and more time spent on infrastructure instead of product innovation.

⏳ Opportunity costs – Every hour spent integrating another on-ramp is an hour not spent on features that actually differentiate your product.

🔄 Vicious cycle – The next request is always around the corner. Today it’s an on-ramp for Brazil. Tomorrow, it’s Venmo. Then a better KYC process. The cycle repeats indefinitely.

At some point you have to ask: Are we moving forward, or just running in circles while others pass us by?

Breaking the cycle with smart decision-making

The good news is you don’t have to keep making the same decision.

Instead of constantly adding one more integration, Onramper removes blockers and future-proofs your payments infrastructure.

And let’s clear up a few common misconceptions:

🚫 "But Onramper locks us in!" → No, you can still negotiate your own deals with on-ramps and stay in control of commercial terms.

🚫 "But we’d have to replace our existing stack!" → Nope. Onramper can complement your current setup, so you don’t have to rip anything out.

🚫 "But pricing will be worse!" → Nope. Onramper doesn’t add fees on onramps’ pricing. Your pricing will actually improve due to more competition and fee transparency, while your conversion skyrockets due to smarter routing.

Instead of adding one-off integrations every few months, Onramper gives you a scalable, adaptable solution that evolves with your needs—without the constant firefighting.

Taking the smarter path

Product management is about making trade-offs. But the best PMs don’t just optimize for today—they optimize for velocity, ensuring that every decision makes future decisions easier.

The next time you find yourself saying "just one more feature," take a step back.

Are you really solving the problem with another integration? Or are you adding onto the real problem?

The best PMs are those who are not afraid to learn from the past. Those who break free from it. In this light - It’s great to see more and more leading exchanges and wallets like Exodus, Gate.io and Bitget break the endless cycle with Onramper - so they never have to do 'one more integration'.

Join the movement - stop getting trapped in an endless cycle. Talk to us today.

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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."

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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.

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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.

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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.

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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.

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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.

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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.

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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!

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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 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.

onramper.com

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.

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