Ramp Network
Crypto on-ramp and off-ramp widget for wallets and dapps, plus its own app for buying, selling and swapping.
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Ramp Network key facts
| Category | Fiat on-ramp |
|---|---|
| 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 |
| Launched | 2017 |
What is Ramp Network?
Ramp Network is a fiat-to-crypto on-ramp and off-ramp that wallets embed and users can also reach through its own app. It has operated since 2017. Its US arm, Ramp Swaps LLC in Miami, is a FinCEN-registered MSB, and its pricing policy lists card fees of up to 3.9% and manual bank transfers up to 1.40%.
How Ramp Network works
Ramp Network acts as the counterparty on every order: you buy from Ramp and sell to Ramp, whether you use its own app or a wallet that embeds the widget.
To build a quote, Ramp pulls a mid-market price from a third-party provider, then adjusts it for your country, payment method, fiat currency, asset, order size and the partner app. The quote refreshes every 30 seconds, and the order does not execute until every parameter is in place. Crypto goes to a self-custodial wallet address, not to a balance Ramp holds for you.
Two fees sit inside the quote. The network fee goes entirely to the miners or validators of the chain. The processing fee depends on the payment method. When you buy through a partner app, that partner may add its own percentage, and Ramp shows the two together as one Processing Fee line. On buys, fees come out of the fiat you pay. On sells, you receive fiat net of fees. On swaps, Ramp deducts the fee from the token you swap away, for example USDC when you swap USDC for BTC.
How to start with Ramp Network
- In the US you contract with Ramp Swaps LLC, a Delaware company with an office in Miami, and you must be at least 18.
- You pick your country of residence at the start and cannot change it later, so it must match your ID documents.
- US residents can only pay in USD.
- Payment options listed on the site include debit and credit cards, Apple Pay, Google Pay, bank transfer, PayPal and bank accounts linked through Plaid.
- Every US purchase requires an identification document.
- Above $5,000 Ramp also asks for proof of address, above $10,000 for source of wealth, and above $20,000 for source of funds.
- It warns that some orders can trigger these checks earlier than the listed thresholds.
- If you pay with a card issued in a different currency than the one you buy in, your bank may add its own foreign exchange fee on top of Ramp's price.
Ramp Network fees and limits
- Ramp's pricing policy caps the processing fee by method, each with a minimum of up to €2.49 or the local equivalent: manual bank transfer up to 1.40%, Easy Bank transfer up to 2.40%, cards in USD, EUR or GBP up to 3.9%, cards in other currencies up to 5.45%, and Pix up to 2.90%.
Apple Pay and Google Pay cost the same as the card behind them. Network fees are extra and move with chain congestion. A partner fee can apply inside another wallet, but not when you buy directly from Ramp.
Risks to know before using Ramp Network
- Ramp Swaps LLC is registered with FinCEN as a money services business (NMLS ID 2366547) and lists money transmitter licenses in Alabama, Alaska, Arkansas, Kentucky, Maryland, New Mexico, North Dakota, Ohio and Oregon.
- Its US terms, last updated March 17, 2026, state that it is not supervised by any federal or state authority for consumer protection purposes, that you cannot take a complaint about it to the CFPB, and that your money is not covered by FDIC or SIPC protection.
- The same terms require binding individual arbitration instead of jury trials or class actions, and New York law governs disputes.
- Ramp's own site carries a warning that you should not invest unless you are prepared to lose all the money you put in, and that you should not expect to be protected if something goes wrong.
- Complaints go to [email protected] or the Miami office address listed in the terms.
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Where Ramp Network ranks on DappAtlas
Listed next to Ramp Network
Ramp Network pros and cons
- 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
- 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
Ramp Network FAQ
What is Ramp Network?
Ramp Network is a fiat-to-crypto on-ramp and off-ramp that wallets embed and users can also reach through its own app. It has operated since 2017. Its US arm, Ramp Swaps LLC in Miami, is a FinCEN-registered MSB, and its pricing policy lists card fees of up to 3.9% and manual bank transfers up to 1.40%.
Which chains does Ramp Network support?
EVM networks, Bitcoin, Solana, Stellar, TRON, TON, XRP Ledger, NEAR, Polkadot and others.
How much does Ramp Network cost?
Cards up to 3.9%; easy bank transfer up to 2.40%; manual bank transfer up to 1.40%; minimum up to €2.49, according to Ramp Network’s own page (checked Sep 26, 2026).
Is Ramp Network available in the US?
Available via Ramp Swaps LLC, a FinCEN-registered MSB; ACH purchases supported, according to Ramp Network’s own page (checked Sep 26, 2026).
Does Ramp Network hold my funds?
No. Ramp Network is non-custodial: you keep your funds in your own wallet and sign each transaction.
Sources
How this page works
Sources: Ramp Network: official site, Ramp Network: Pricing policy, Ramp Network: Terms of service. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.