Transak
Fiat on-ramp and off-ramp API and widget that wallets and exchanges embed to let users buy and sell crypto.
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Transak key facts
| Category | Fiat on-ramp |
|---|---|
| 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 |
What is Transak?
Transak is a fiat-to-crypto payment rail that wallets, exchanges and neobanks embed as a widget or white-label API. Its homepage lists 136+ assets across 45+ networks. On-ramp card purchases cost 3.99% + $1, bank transfers 2% + $1, and the rate includes a spread of 0% to 2.5% over the CoinGecko price.
How Transak works
Transak sits inside the wallet, exchange or neobank you already use.
Partners add it as a hosted flow by redirect, iframe or JavaScript SDK, inside Android, iOS or React Native WebViews, or through a white-label API that lets them build their own screens. Transak handles KYC, compliance, fiat payment methods and crypto delivery for the partner.
Your rate is the CoinGecko price at the moment the order becomes final plus a spread of 0% to 2.5%, higher for more volatile assets. A quote stays valid for about 5 to 10 seconds before it refreshes. An on-ramp order is final once Transak has received and reconciled your payment, and Transak lists typical reconciliation times of 79 seconds for cards and Apple Pay and 80 seconds for Google Pay. On sells, fiat is paid out only after your crypto deposit reaches the chain's confirmation threshold.
How to start with Transak
- You start from the partner app's Buy or Sell button rather than a standalone account.
- Transak uses three KYC levels.
- Light KYC asks for name, phone, date of birth, address and, for US users, SSN, and covers orders of $10 to $200 in about 30 seconds.
- Standard KYC adds photo ID and a live selfie for up to $25,000 in about 10 minutes.
- Enhanced KYC adds proof of income or source of funds for up to $75,000, with review taking up to a day.
- Transak's supported-countries page lists 45 US states plus Washington, D.C. and Puerto Rico.
- Alaska, Louisiana, Minnesota, New York and North Dakota are not on that list.
- Transak USA LLC is registered with FinCEN (registration 31000300682483) and its compliance page lists state money transmitter licenses, including Alabama, Arizona, Illinois, Maryland and Michigan.
- If a payment method is unavailable where you live, Transak says the widget shows this during the order.
Transak fees and limits
- In the fee table on its pricing page, Transak lists on-ramp fees of 3.99% + $1 for debit or credit cards and Apple Pay, 3.99% for Google Pay, 2% + $1 for bank transfers and 0.75% + $9 for wire transfers.
- Selling to a card costs 0.99%.
- Gas and validator fees come on top, and the 0% to 2.5% spread is built into the rate, so compare the final crypto amount shown before you confirm rather than the headline percentage.
Some methods carry a minimum fee that replaces the percentage on small orders.
Risks to know before using Transak
- Every on-ramp order passes an AML and risk check before Transak marks it reconciled, and crypto is released only after that step.
- The app you buy through can add its own partner fee of up to 5% on top of Transak's fee, which it sets in the Transak partner dashboard.
- Transak says it holds ISO 27001:2022 certification and SOC 2 Type II compliance, and it reports registered entities in the US, UK, Canada, Australia and Hong Kong.
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Where Transak ranks on DappAtlas
Listed next to Transak
Transak pros and cons
- 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
- 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
Transak FAQ
What is Transak?
Transak is a fiat-to-crypto payment rail that wallets, exchanges and neobanks embed as a widget or white-label API. Its homepage lists 136+ assets across 45+ networks. On-ramp card purchases cost 3.99% + $1, bank transfers 2% + $1, and the rate includes a spread of 0% to 2.5% over the CoinGecko price.
How much does Transak cost?
Card 3.99% + $1; bank transfer 2% + $1; wire 0.75% + $9; plus 0% to 2.5% spread, according to Transak’s own page (checked Sep 26, 2026).
Is Transak available in the US?
45 states plus DC and Puerto Rico; not listed: AK, LA, MN, NY, ND, according to Transak’s own page (checked Sep 26, 2026).
Does Transak hold my funds?
Yes. Transak is custodial: it holds the keys to your balance.
Sources
- Transak: official site
- Transak: Fees and pricing calculation
- Transak: Homepage
- Transak: Supported countries
- Transak Help Center: How Transak calculates prices and fees
- Transak Docs: KYC levels
- Transak Docs: On-Ramp overview
- Transak Docs: What is Transak
- Transak: Compliance
- Transak Docs: Partner fees and payouts
How this page works
Sources: Transak: official site, Transak: Fees and pricing calculation, Transak: Homepage. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.