Best Onramp and Offramp Solution is a category within the BeInCrypto Institutional 100, an annual research-based initiative that highlights top-performing institutions in the digital asset space across 26 categories and six core areas.
This category focuses on companies developing payment systems, wallet integrations, banking APIs, and regulated settlement frameworks that enable seamless movement of funds between traditional finance and cryptocurrency markets.
A shortlist will be revealed in May 2026, with the winner announced at Proof of Talk in Paris on June 2–3, 2026.
Key Facts
- Long list: 15 companies spanning consumer onramps, B2B infrastructure, aggregators, banking APIs, non-custodial platforms, and traditional finance payment processors with crypto capabilities
- Initial pool: Over 30 onramp and offramp providers evaluated; 15 selected for the long list
- Scoring: 30% quantitative data · 50% Expert Council · 20% company-reported data
- Evaluation criteria: Geographic coverage, payment options, regulatory adherence, user experience, settlement speed, ecosystem compatibility, and innovation
- Data sources: NYDFS, OCC, FCA, MiCA-CASP, FINMA, MAS, AUSTRAC, FINTRAC, audited reports, company disclosures, PitchBook, Tracxn, and Crunchbase
| # | Firm | Onramp/Offramp Sub-Segment | HQ | Reach | Top Licensure | Representative Work |
|---|---|---|---|---|---|---|
| 1 | MoonPay | Consumer onramp/offramp | Miami, USA | 30M+ accounts 180 countries | NYDFS BitLicense + Trust Charter | Acquired Helio, Iron, and Meso in 2025 Reportedly explored ~$5B ICE-linked deal talks |
| 2 | Stripe Crypto Onramp | Enterprise onramp stack | South San Francisco, USA | 75M+ Privy accounts 1,000+ developer teams | Bridge OCC charter conditionally approved | Bridge trust charter approved Feb 2026 Expanded crypto stack through Bridge and Privy |
| 3 | Coinbase Onramp | Exchange-backed B2B onramp | Wilmington / SF, USA | 110M+ users 60+ fiat currencies | NYDFS BitLicense + US MTLs | Headless Apple Pay API launched Zero-fee USDC onramp on Base |
| 4 | Transak | Consumer onramp + wire rails | Miami, USA | 10M+ users 150+ countries | Expanding US MTL coverage | Enabled wire-transfer onramps in the US Integrated MiCA-compliant USDG stablecoin |
| 5 | Ramp Network | EU-regulated onramp/offramp | London / Dublin | 150+ countries | MiCAR-CASP via Central Bank of Ireland | Fully launched under MiCA in January 2026 EU passporting framework now live |
| 6 | Alchemy Pay | APAC and worldwide fiat onramp | Singapore | 173 countries Over 300 payment options | HK SFC, UK API, FINTRAC, US MTLs | Hong Kong licence broadened to cover virtual assets Alchemy Chain testnet went live in 2026 |
| 7 | Zerohash | US-regulated B2B infrastructure provider | Chicago / Amsterdam | More than 5 million users 190 countries | NYDFS BitLicense plus MiCA access | Applied for OCC national trust bank charter Reportedly turned down a $2 billion acquisition offer from Mastercard |
| 8 | Nuvei (Simplex) | Card-based fiat onramp solution | Tel Aviv / Montreal | 200+ markets Over 680 payment methods | MiCA CASP | Went private through a take-private deal in 2025 Integrated Wero wallet and formed an Azure partnership |
| 9 | Mercuryo | Card onramp and offramp services | Tallinn / London | Over 4 million users 200+ supported assets | Estonian VASP | Added BitMEX as an onramp partner Grew its Mastercard crypto card collaboration |
| 10 | Onramper | Onramp aggregation platform | Amsterdam | 30+ onramp providers integrated 190+ countries | Partner-license model | Rolled out crypto trading in Brazil, Mexico, and Chile Introduced the MUSD stablecoin in Brazil |
| 11 | OSL Group (Banxa) | Regulated APAC market access | Hong Kong | 40+ licences worldwide | HK SFC + AUSTRAC + FINTRAC | Finalized Banxa take-private in January 2026 Introduced USDGO stablecoin and StableHub platform |
| 12 | Wert | Specialist in NFT and ERC20 fiat onramps | Tallinn / Oakland | 200+ countries | Estonian VASP | Launched embedded NFT checkout with gas fees included Enabled ERC20 fiat onramp without requiring exchange listing |
| 13 | Striga | Enterprise-level API suite for banking services | Tallinn, Estonia | Operations in more than 30 nations | Licensed Estonian VASP | Unified API combining virtual IBANs, asset custody, and card issuance Compatibility with Lightning Network for fast settlements |
| 14 | Mt Pelerin | Non-custodial gateway based in Switzerland | Geneva / Neuchâtel | Over 150,000 users Total transaction volume exceeding $1 billion | Regulated by FINMA and certified under SO-FIT | Developed non-custodial DeFi bridging infrastructure MPS asset token officially registered in Switzerland |
| 15 | Mercado Pago | Super-app-based access across Latin America | Buenos Aires | More than 50 million active Mercado Pago users | Applied for an OCC national trust banking license Turned down a reported acquisition offer from Mastercard valued at $2 billion |
About This List
The BeInCrypto Institutional 100: Fiat-to-Crypto Access (2026 Long List) spotlights companies constructing compliant infrastructure that facilitates the flow of funds between conventional payment rails and the world of digital assets.
This segment covers consumer-facing fiat entry points, back-end B2B settlement systems, regionally focused payment providers, fiat aggregators, and financial-grade API solutions that plug into wallets, exchanges, fintech applications, and decentralized apps.
Stablecoin orchestration services that lack a direct fiat onramp or off-ramp feature are assessed independently within dedicated stablecoin infrastructure segments.
Methodology
This category falls under Track B of the BeInCrypto Institutional 100 evaluation framework: 30% hard numbers, 50% Expert Council scoring, and 20% publicly disclosed data points.
Firms are measured across seven dimensions: geographic reach, variety of supported payment methods, licensing and regulatory standing, user experience and ease of integration, speed of settlement, connection to wallet and decentralized application ecosystems, and overall innovation.
Information verification drew from regulatory databases, independently audited filings, corporate disclosures, official partnership announcements, and private-market intelligence platforms including PitchBook, Tracxn, and Crunchbase.
To nominate a company or provide feedback, reach out to awards@beincrypto.com
The article BeInCrypto Institutional Research: 15 Onramp and Offramp Solutions Powering Crypto Access was originally published on BeInCrypto.
