We compared six Guardarian alternatives on features, fees and supported chains, and noted where each one falls short of Guardarian.
No project pays to be listed. How we rank
The best Guardarian alternative for US buyers is MoonPay, which is licensed directly in most US states, including New York, and publishes a fee cap of 4.5%. Below are six Guardarian alternatives compared on US coverage, published fees and licenses.
Guardarian is a fiat-crypto gateway for buying, selling and swapping 200+ cryptocurrencies, offered directly and to business partners. Payment options include SEPA, Visa, Mastercard, UnionPay and SWIFT. Its terms say US customers are served through Bridge Building Inc., a FinCEN-registered MSB, not by Guardarian itself. See the full Guardarian profile →
Guardarian builds its fees into the quoted rate and publishes no fee table, so you cannot check the markup before you get a quote.
US customers must pass separate KYC and accept the terms of Bridge Building Inc., the partner MSB named in Guardarian's terms.
Its terms reserve the right to block access by IP address from prohibited jurisdictions, so a VPN or travel can interrupt a purchase.
| Name | Best for | Custody | US availability | Chains |
|---|---|---|---|---|
| Guardarian ORIGINAL | Baseline | Non-custodial | Available via partner Bridge Building Inc., a FinCEN-registered MSB | 200+ cryptocurrencies |
| MoonPay | Direct US buying | Non-custodial | Available via MoonPay USA LLC, licensed money transmitter in most states including New York | Not verified |
| Ramp Network | Bank and ACH buys | Non-custodial | Available via Ramp Swaps LLC, a FinCEN-registered MSB; ACH purchases supported | Not verified |
| Coinbase | Regular buyers | Custodial | Licensed in New York (BitLicense) and other states | Not verified |
| Banxa | Buying inside a wallet | Non-custodial | Available via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licenses | Not verified |
| Wert | NFT and card checkout | Not verified | On-ramp available except AL, AK, HI, NV, NM, NY, OR, VT, WA, WV, DC, PR and USVI | Networks include Ethereum, Polygon, Base, Arbitrum, Solana, Bitcoin, TON and Tezos |
| Transak | Large wire purchases | Custodial | 45 states plus DC and Puerto Rico; not listed: AK, LA, MN, NY, ND | 45+ networks, 136+ assets |
“Not verified” means we have not yet checked the value against the project’s own documentation.
MoonPay serves US users directly through MoonPay USA LLC and publishes its fee cap. Limitation: that cap is 4.5% plus network fees, with a minimum of up to $3.99 on small orders.
Ramp publishes a cap per method: up to 3.9% on cards and up to 1.40% on manual bank transfers, and supports ACH in the US through Ramp Swaps LLC. Limitation: its US terms list state licenses in only nine states.
Instead of a per-purchase widget, you hold an account and can buy on the Coinbase Advanced order book at 0.40% maker / 0.60% taker. Limitation: coins stay with Coinbase until you withdraw them to your wallet.
Banxa runs in the US as BNXA USA MTL Inc. (NMLS 2347615) and mostly reaches users inside partner apps. Limitation: its published fee numbers are EU pricing (1.99% on cards plus a 2% to 4% spread), not a US schedule.
Wert is built for card checkout on NFT and dapp sites, and also sells crypto. Limitation: its on-ramp is unavailable in 12 US states and territories, including New York, and fees are set per partner.
Transak is mostly embedded in wallets and publishes fees by method: card 3.99% + $1, bank 2% + $1, wire 0.75% + $9, plus a 0% to 2.5% spread. Limitation: US availability is not stated in its terms.
For direct US licensing: MoonPay. For lower published fees: Ramp Network. For repeat buys with published fees: Coinbase.
Guardarian's main weakness for US users is structure: you deal with a partner company and see no fee table. MoonPay and Ramp Network both publish fee caps and hold their own US registrations, so you know the maximum cost before you buy.
If you use Guardarian for its 200+ coins, check your specific coin on the alternative first; Transak lists 136+ assets, and the others do not publish a larger count.
Educational content, not financial advice. Crypto assets are volatile; do your own research.
MoonPay: it serves US users directly through MoonPay USA LLC, licensed in most states including New York, with a published fee cap of 4.5%.
Yes, through a partner. Its terms say US customers are served by Bridge Building Inc., a FinCEN-registered MSB, with separate KYC.
It publishes no fee schedule. Fees are built into the quoted rate, so compare the amount you receive with another quote.
Transak's wire at 0.75% + $9 and Ramp Network's manual bank transfer at up to 1.40%. Card buys on this list cost up to 3.9% to 4.5%.
Only for unsuccessful transactions. A refund costs 5 euros or the equivalent plus SEPA or SWIFT bank fees and takes up to 10 business days; completed exchanges are final once the crypto is sent.
Yes. Its terms make KYC mandatory for all users, and the About page says it takes up to 5 minutes with an ID document and a camera. US customers go through a separate KYC with Bridge Building Inc.
Sources: Guardarian: terms of service, Guardarian: about us, MoonPay: pricing disclosure. Data as of Oct 1, 2026.
Not affiliated with any project listed. Educational content, not financial advice.