Fiat On-Ramps

8 Best Fiat On-Ramps for Buying Crypto in 2026

Eight on-ramps that wallets and apps embed to sell crypto for dollars, ranked on published fees and the US entity that holds the license. Checked Sep 26, 2026.

By DappAtlas Editorial · 4 min read
8 picks · 5 criteria · every fee linked to its source
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On this page

MoonPay is the on-ramp to start with in the US: it serves most states, including New York, through MoonPay USA LLC, a licensed money transmitter. Its fee is up to 4.5% per order, against up to 3.9% for a card buy on Ramp and 3.99% + $1 on Transak. Most people meet these services inside a wallet or app, so the price you see can also depend on the app that embeds them.

Quick answer

Use MoonPay if you are in the US and want the widest state coverage, including New York. Ramp Network is the cheaper card option at up to 3.9%, and Onramper suits developers who want to route between several ramps.

  1. 01MoonPay: best for US coverage
  2. 02Ramp Network: best for lower card fees
  3. 03Banxa: best for licensed US entity
  4. 04Wert: best for NFT checkouts
  5. 05Guardarian: best for many coins

The 8 best fiat On-Ramps

#1

MoonPay

Best for US coverage

MoonPay serves US buyers through MoonPay USA LLC, a licensed money transmitter in most states including New York. Its pricing disclosure caps the MoonPay fee at 4.5%, with a minimum of up to $3.99 on small orders, plus the network fee.

Chains
Bitcoin, Ethereum and other EVM networks, Solana, TON, Tron, XRP Ledger and other chains
Platforms
Web, iOS, Android, API
Custody
Non-custodial
Fees
Up to 4.5% MoonPay fee, minimum up to $3.99 on small orders, plus network fee
US availability
Available via MoonPay USA LLC, licensed money transmitter in most states including New York
Pros
  • Licensed as a money transmitter across US states, including a New York BitLicense
  • Pricing disclosure publishes the maximum fee: up to 4.5%
  • Usable directly on its site or inside partner wallets
Cons
  • Fee of up to 4.5% plus network and ecosystem fees
  • Minimum fee of up to $3.99 on small orders ($4.50 via partners)
  • Non-USD purchases add 0.25% to 10% to the minimum fee

Skip it if you buy small amounts: a minimum fee of up to $3.99 weighs heavily on a $20 order.

Visit site ↗Full profileAlternatives
#2

Ramp Network

Best for lower card fees

Ramp charges up to 3.9% on cards, up to 2.40% on easy bank transfers and up to 1.40% on manual bank transfers. US buyers are served through Ramp Swaps LLC, a FinCEN-registered MSB, and ACH purchases are supported.

Chains
EVM networks, Bitcoin, Solana, Stellar, TRON, TON, XRP Ledger, NEAR, Polkadot and others
Platforms
Web, iOS, Android, API
Custody
Non-custodial
Fees
Cards up to 3.9%; easy bank transfer up to 2.40%; manual bank transfer up to 1.40%; minimum up to €2.49
US availability
Available via Ramp Swaps LLC, a FinCEN-registered MSB; ACH purchases supported
Pros
  • Manual bank transfer fee of up to 1.40%
  • ACH direct debit from a linked US bank account
  • Published pricing policy with per-method caps
Cons
  • Card fee of up to 3.9%, with a minimum of up to €2.49
  • US terms state it is not supervised for consumer protection purposes
  • State money transmitter licenses listed in only nine states in its terms

Skip it if you want a named license for your state: Ramp's terms cite its FinCEN MSB registration.

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#3

Banxa

Best for licensed US entity

Banxa serves the US through BNXA USA MTL Inc., a FinCEN MSB with state money transmitter licenses. Its EU entity charges a 1.99% processing fee on cards and Apple Pay, with a spread of typically 2% to 4% on top.

Platforms
Web, API
Custody
Non-custodial
Fees
EU: cards and Apple Pay 1.99% processing fee, other methods 0%, plus typical 2% to 4% spread
US availability
Available via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licenses
Pros
  • US state money transmitter licenses listed in a public document
  • 0% processing fee on non-card payment methods (EU pricing)
  • Sells to SEPA carry no processing fee (EU pricing)
Cons
  • Spread can reach 15% on buys, on top of fees (EU pricing)
  • Card and Apple Pay buys carry a 1.99% processing fee (EU pricing)
  • Partners can add their own spread of up to 10%

Skip it if you want the full cost stated up front: Banxa's own help page says the spread typically adds 2% to 4%.

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#4

Wert

Best for NFT checkouts

Wert is a card on-ramp built into dApp and NFT checkouts. Its documentation lists where it does not work: AL, AK, HI, NV, NM, NY, OR, PR, USVI, VT, WA and WV. The fee is set per partner, with a minimum of $1 per order.

Platforms
Web, API, SDK
US availability
On-ramp available except AL, AK, HI, NV, NM, NY, OR, VT, WA, WV, DC, PR and USVI
Fees
Per-partner processing fee, minimum $1 or €1 per order
Chains
Networks include Ethereum, Polygon, Base, Arbitrum, Solana, Bitcoin, TON and Tezos
Pros
  • US residents can buy up to $1,000 with non-document KYC
  • NFT checkout available in all listed US states
  • Accepts AmEx, JCB and Discover in addition to Visa and Mastercard
Cons
  • Fiat on-ramp unavailable in 13 US states and territories, including New York
  • Processing fee is set per partner and not published
  • Only USD and EUR supported

Skip it if you live in one of the 12 excluded states and territories, including New York and Washington.

Visit site ↗Full profileAlternatives
#5

Guardarian

Best for many coins

Guardarian lists 200+ cryptocurrencies and serves US users through its partner Bridge Building Inc., a FinCEN-registered MSB.

Platforms
Web, API
Custody
Non-custodial
US availability
Available via partner Bridge Building Inc., a FinCEN-registered MSB
Chains
200+ cryptocurrencies
Fees
No extra fees on top of the quoted rate, per the homepage; refunds cost 5 EUR plus bank or network fees
Pros
  • Payment options include SEPA, Visa, Mastercard, UnionPay and SWIFT
  • KYC takes up to 5 minutes, per its about page
  • US customers served through a licensed partner
Cons
  • No percentage fee schedule in its terms
  • US users must pass separate KYC and accept Bridge Building Inc. terms
  • Terms reserve IP-based blocking of prohibited jurisdictions

Skip it if you want the fee published in advance: we did not find a fixed rate on Guardarian's own pages.

Visit site ↗Full profileAlternatives
#6

Transak

Best for fee transparency

Transak publishes its fee by method: card 3.99% + $1, bank transfer 2% + $1, wire 0.75% + $9, plus a spread of 0% to 2.5%. Its homepage lists 136+ assets across 45+ networks.

Platforms
Web, API, SDK
Custody
Custodial
Fees
Card 3.99% + $1; bank transfer 2% + $1; wire 0.75% + $9; plus 0% to 2.5% spread
Chains
45+ networks, 136+ assets
US availability
45 states plus DC and Puerto Rico; not listed: AK, LA, MN, NY, ND
Pros
  • Wire transfer on-ramp at 0.75% + $9
  • Off-ramp to card at 0.99%
  • KYC reuse through KYC Reliance, so users skip duplicate checks
Cons
  • Card and Apple Pay buys cost 3.99% + $1
  • Extra spread of up to 2.5% is built into the quoted rate
  • Minimum fees can apply on some payment methods

Skip it if you pay by card: at 3.99% + $1 plus spread, card buys cost more than on Ramp.

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#7

Onramper

Best for developers

Onramper is an aggregator that routes each order to one of several on-ramps behind a single widget. It charges the business, not the buyer: Essentials costs $199 a month and Premium $599 a month.

Platforms
Web, API
Custody
Non-custodial
Pricing
Essentials $199/month; Premium $599/month; White-Label custom
US availability
Available: terms restrict only sanctioned jurisdictions
Fees
No Onramper fee to the user; fees set by the chosen onramp provider, which pays Onramper a fee
Pros
  • One integration covers 30+ on-ramp and off-ramp providers
  • Over 130 payment methods
  • Widget and API integration options
Cons
  • Business plans start at $199 per month
  • Essentials plan includes only 6 on-ramps
  • Off-ramps and P2P support need the $599 per month Premium plan

Skip it if you are a buyer, not a business: you reach Onramper only through an app that embeds it.

Visit site ↗Full profile
#8

Mercuryo

Best for Europe

Mercuryo is built into many wallets outside the US. Its help center puts buys at up to 5.5% (minimum €1) and sells at up to 3.95%, with up to 5% extra for fast-track orders.

Platforms
Web, API, SDK
Custody
Non-custodial
Fees
Buy up to 5.5% (min €1); sell up to 3.95% (min €3); fast track up to 5% extra
Launched
2018
US availability
US citizens and residents via MoneyDream LLC (Delaware) under separate US terms
Pros
  • 150+ countries supported, per its homepage
  • Also offers swaps and co-branded spend cards
  • No fee to receive crypto into a Mercuryo wallet
Cons
  • Buy fee of up to 5.5%
  • Fast-track purchases add up to 5% on top
  • US orders go through a separate entity, MoneyDream LLC, under separate terms

Skip it if you are in the US: we did not find a US licensing entity on Mercuryo's own pages, and its buy fee is the highest here.

Visit site ↗Full profile

Fiat On-Ramps compared

Select a name to jump to its review.
NameBest forUS availabilityFeesChainsCustody
MoonPayMost US states, incl. NYAvailable via MoonPay USA LLC, licensed money transmitter in most states including New YorkUp to 4.5% MoonPay fee, minimum up to $3.99 on small orders, plus network feeBitcoin, Ethereum and other EVM networks, Solana, TON, Tron, XRP Ledger and other chainsNon-custodial
Ramp NetworkCard and ACH buysAvailable via Ramp Swaps LLC, a FinCEN-registered MSB; ACH purchases supportedCards up to 3.9%; easy bank transfer up to 2.40%; manual bank transfer up to 1.40%; minimum up to €2.49EVM networks, Bitcoin, Solana, Stellar, TRON, TON, XRP Ledger, NEAR, Polkadot and othersNon-custodial
BanxaWallet users in the USAvailable via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licensesEU: cards and Apple Pay 1.99% processing fee, other methods 0%, plus typical 2% to 4% spreadNot verifiedNon-custodial
WertCheckout inside a dAppOn-ramp available except AL, AK, HI, NV, NM, NY, OR, VT, WA, WV, DC, PR and USVIPer-partner processing fee, minimum $1 or €1 per orderNetworks include Ethereum, Polygon, Base, Arbitrum, Solana, Bitcoin, TON and TezosNot verified
Guardarian200+ coinsAvailable via partner Bridge Building Inc., a FinCEN-registered MSBNo extra fees on top of the quoted rate, per the homepage; refunds cost 5 EUR plus bank or network fees200+ cryptocurrenciesNon-custodial
TransakBank and wire buys45 states plus DC and Puerto Rico; not listed: AK, LA, MN, NY, NDCard 3.99% + $1; bank transfer 2% + $1; wire 0.75% + $9; plus 0% to 2.5% spread45+ networks, 136+ assetsCustodial
OnramperApps routing across rampsAvailable: terms restrict only sanctioned jurisdictionsNo Onramper fee to the user; fees set by the chosen onramp provider, which pays Onramper a feeNot verifiedNon-custodial
MercuryoEU wallet usersUS citizens and residents via MoneyDream LLC (Delaware) under separate US termsBuy up to 5.5% (min €1); sell up to 3.95% (min €3); fast track up to 5% extraNot verifiedNon-custodial

“Not verified” means we could not confirm the value on the project’s own pages.

How we rank fiat On-Ramps

  1. 01US licensing: the US entity that holds the money transmitter license or FinCEN registration, and any excluded states, from the provider's own terms or license page.
  2. 02Card fee: the published fee for a card purchase, since most first-time buyers pay by card. A fee we could not find on the provider's own page counts against it.
  3. 03Bank transfer option: whether a cheaper ACH or bank transfer route is available and priced.
  4. 04Coverage: assets and networks listed by the provider.
  5. 05Fit: whether buyers use the service directly or only through businesses that embed it.

No project paid to be listed or ranked. Full rules: methodology.

What we did not test
  • We did not open accounts, deposit money or place trades with these services.
  • We did not audit smart contracts, reserves or security claims ourselves; we report what the project and its auditors publish.
  • Fees, limits and availability change; the list date shows when we last checked them.

Rubric last updated Oct 1, 2026. Crypto assets are not insured by the FDIC or SIPC, and you can lose all the money you put in. This page is educational content, not financial advice.

How to choose

01

Pay by bank transfer when you can

Transak charges 2% + $1 by bank transfer against 3.99% + $1 by card, and Ramp charges up to 1.40% on manual bank transfers against up to 3.9% on cards.

02

Check your state first

Wert does not serve 12 US states and territories, including New York. MoonPay's US entity covers most states, New York included.

03

Watch the spread as well as the fee

The quoted rate can include a markup over the market price. Transak states 0% to 2.5%, and Banxa's EU entity a typical 2% to 4%.

04

Send to a wallet you control

An on-ramp delivers coins to the address you enter. Copy it from your own wallet app and check the network before you pay.

Who should skip all of these

  • Anyone buying large amounts regularly: an exchange account usually costs less than a card on-ramp. See our best crypto exchanges list.
  • People who want to avoid identity checks: every on-ramp here runs KYC.
  • Buyers in New York who meet Wert at checkout: its documentation excludes the state.

Which one fits you?

First purchase in New YorkMoonPay: its US entity covers New York.Jump ↓Lowest card feeRamp Network: up to 3.9% on cards and cheaper bank routes.Jump ↓Buying inside an NFT checkoutWert: card on-ramp built into dApp checkouts.Jump ↓Building a wallet appOnramper: one widget that routes across several ramps, from $199 a month.Jump ↓

Bottom line

For US buyers, MoonPay covers the most states and Ramp costs less by card. Pay by bank transfer where offered: it is the cheaper route on both Ramp and Transak.

If you run an app, an aggregator such as Onramper saves you from choosing one provider for every country.

Educational content, not financial advice. Crypto assets are volatile; do your own research.

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FAQ

Which fiat on-ramp has the lowest fees?

Of the published card fees we checked, Ramp charges up to 3.9%, Transak 3.99% + $1, MoonPay up to 4.5% and Mercuryo up to 5.5%. Bank transfers cost less on Ramp and Transak.

Can I use a fiat on-ramp in New York?

MoonPay states that MoonPay USA LLC is licensed in New York. Wert's documentation lists New York among the places it does not serve.

Do on-ramps require ID?

Yes. Each on-ramp here verifies identity before or after a first purchase.

What is the difference between an on-ramp and an exchange?

An on-ramp sells crypto for fiat and sends it straight to your wallet, often inside another app. An exchange holds an account for you and lets you trade.

MoonPay or Transak: which is cheaper?

By card, Transak's published 3.99% + $1 is below MoonPay's cap of 4.5%, but Transak adds a spread of 0% to 2.5%. MoonPay's minimum fee of up to $3.99 makes small orders expensive. MoonPay is licensed in New York; Transak's supported-countries page does not list New York, Alaska, Louisiana, Minnesota or North Dakota.

Further reading

AlternativesMoonPay alternativesSep 26, 2026AlternativesWert alternativesOct 1, 2026AlternativesGuardarian alternativesOct 1, 2026

Sources

  1. MoonPay: Pricing disclosure
  2. MoonPay: Licenses
  3. Ramp Network: Pricing policy
  4. Ramp Network: Terms of service
  5. Banxa: USA licenses
  6. Wert: Service availability
  7. Transak: Fees and pricing calculation
  8. Onramper: Pricing
  9. Mercuryo: Fees
  10. Guardarian: Terms of service

What changed in this list

2026-09-26First version: 8 on-ramps, fees and US licensing checked on each provider's own pages.
2026-10-01Added a FAQ comparing MoonPay and Transak card fees and state coverage.

Who made this page

Written by
DappAtlas Editorial

Editorial team

Compiles and updates the lists on DappAtlas. Facts come from primary sources: each project’s own pages, protocol docs and standards. No project pays to be mentioned.

Lists from DappAtlas Editorial
Fact check
Checked against 10 sources

Last check: Oct 1, 2026

A value we could not confirm on the project’s own pages is marked “Not verified” instead of estimated.

How we review

How this page works

Sources: MoonPay: Pricing disclosure, MoonPay: Licenses, Ramp Network: Pricing policy. Data as of Oct 1, 2026.

How we review

Not affiliated with any project listed. Educational content, not financial advice.