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Onramper

Onramper is a fiat-to-crypto onramp aggregator that simplifies the process of buying and cashing out cryptocurrencies by connecting products to a global network of onramps and payment methods. The platform offers a plug-and-play widget, an API and a Terminal for insights, enabling companies to provide seamless buying, swapping and off-ramping experiences with minimal integration (advertised as eight lines of code). Onramper aggregates 30+ onramps and 175+ payment methods, uses smart routing and AI-based recommendations to optimize for conversion, fees and KYC friction, and claims average fee savings through live quote comparisons. It supports broad geographic coverage, partner integrations with wallets and exchanges, and provides a 14-day free trial for evaluation.

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Introduction

Overview

Onramper is a fiat-to-crypto ramp aggregator designed to make crypto onramps, offramps and swaps accessible to products and platforms via a single integration. It brings together a network of third-party onramp providers, alternative payment methods and routing intelligence so companies can offer global payment coverage without building and maintaining dozens of bespoke integrations. Onramper emphasizes quick setup, broad coverage, and optimization for conversion, fees and KYC complexity.

Core Capabilities

  • 1. Plug-and-play integration: Onramper offers an embeddable widget and a developer-friendly API that the company advertises can be integrated with roughly eight lines of code, enabling rapid go-to-market for apps, wallets, and exchanges.

  • 2. Aggregated onramps & payment methods: The platform connects 30+ onramps and supports 175+ payment methods, allowing end users to buy crypto using local payment rails and familiar instruments across many countries.

  • 3. Smart routing & AI recommendations: Onramper uses routing logic and AI-based recommendations to match each user with the optimal onramp based on factors like expected conversion rate, fees, KYC friction and country-specific constraints, aiming to maximize success rates and minimize costs.

  • 4. Swaps and offramps: Beyond onramps, Onramper supports instant swaps and offramping flows so platforms can enable the full lifecycle of fiat-crypto-fiat movement under one integration.

  • 5. Terminal & analytics: The Onramper Terminal aggregates webhook data and performance metrics for onramps, helping product and payments teams monitor volumes, conversion performance and the effectiveness of routing decisions.

How it works
  1. A product integrates the Onramper widget or calls the API to present payment options to an end user.
  2. Onramper fetches live quotes from multiple onramp providers and evaluates them against a set of criteria (price, conversion likelihood, KYC requirements, country and fiat) using its routing engine.
  3. The platform presents the best available option to the user and routes the transaction to the chosen provider, optionally reporting metrics back to the Terminal for monitoring and optimization.
Key benefits and differentiators

  • Faster time-to-market: Single integration replaces dozens of direct contracts and technical integrations with individual onramp providers, enabling teams to launch faster.

  • Improved conversion and lower costs: By comparing live quotes and optimizing routes per user, Onramper seeks to increase completed transactions and reduce effective fees for end users.

  • Reduced maintenance burden: Onramper handles onramp onboarding and operational maintenance so clients can focus on product and growth rather than payments plumbing.

  • Geographic reach: The platform advertises extensive country coverage and many local payment methods, making it easier to serve international customer bases.

Security, compliance & KYC handling

Onramper highlights its approach to reducing KYC friction by evaluating users’ profiles and transaction characteristics to select onramps that minimize unnecessary verification steps where possible. It also supports direct contracting with specific onramps if customers require bespoke arrangements. While Onramper acts as a router and aggregator, individual onramp providers retain responsibility for transaction execution and any regulatory compliance tied to their services.

Recommended use cases
  1. Wallets and custodial services that need a fast way to offer local payment options to users.
  2. Exchanges and DeFi interfaces that want to increase fiat onramps without multiple integrations.
  3. Marketplaces or NFT platforms seeking to simplify the purchase flow by exposing local payment rails.
Pricing & trial

Onramper promotes a 14-day free trial so teams can test coverage, routing performance and conversion improvements. The company states it typically does not add fees on top of onramp quotes, instead monetizing through referral arrangements with partner onramps in some cases.

Conclusion

Onramper is aimed at product and payments teams looking to deliver seamless fiat-to-crypto experiences quickly and at scale. Its value proposition centers on aggregation, routing intelligence, broad payment coverage and analytics — all designed to increase conversions while reducing the integration and maintenance burden of supporting many onramps and payment methods.

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