Using Fiat Onramp with Wallet-API

This guide compares four fiat onramps so you can choose the right one according to your needs. It also describes how the onramp providers work with our Wallet-API.


If you want to get into the world of cryptocurrencies and turn your fiat money into crypto coins, you can use something called crypto ramps. These are like bridges that connect the regular money world with the new digital money world, known as DeFi.

Imagine crypto ramps as highways. One type called an on-ramp, helps people with regular money get into the digital money world (DeFi). It's like entering the DeFi space. With fiat onramps, you can effortlessly convert your bank balance into crypto tokens/coins.

Crypto Onramps

Getting into the world of crypto means you need some crypto in the first place. That's where a crypto on-ramp comes in.

Think of a crypto on-ramp as a money exchange place, but instead of changing one currency to another, it turns your regular money into crypto. It's like a shortcut to smoothly get into digital currencies without any extra hassle.

Crypto on-ramps make it easy for regular people and businesses to join the cryptocurrency world. They help you quickly get the digital money you want, so you can start exploring the world of crypto like a pro in no time. It's like a super convenient doorway into the world of digital currencies!

Four Fiat Onramps

Imagine buying crypto as easily as grabbing a coffee. No more confusing exchanges, lengthy verification processes, or mountains of paperwork. MoonPay makes it simple for anyone, anywhere, to join the Web3 revolution.

Here's why MoonPay is your one-stop shop for all things crypto:

  • Buy, sell, and swap hundreds of cryptos: Bitcoin, Ethereum, Dogecoin, you name it! MoonPay has you covered with over 110+ tokens.
  • Seamless integration: Use MoonPay directly on your favorite platforms like Shopify, Discord, and Twitch. No need to switch between apps or websites.
  • Global reach: Buy and sell crypto in over 160 countries with a variety of payment methods, including credit cards, debit cards, and bank transfers.
  • Safety first: MoonPay takes security seriously. Your data is encrypted and protected by industry-leading security protocols.

Transak is a developer toolkit that makes it easy for users to buy and sell cryptocurrencies within any app or website. It offers fiat on-ramps and off-ramps, meaning users can buy crypto with fiat currency and sell crypto back into fiat.

Transak is available in over 160 countries and supports over 170 cryptocurrencies. It also has a variety of features, such as KYC/AML verification, fraud prevention, and risk management.

Ramp is a non-custodial platform that allows you to buy and sell cryptocurrency without having to store your assets on an exchange. This means that you are always in control of your own private keys, which is important for security reasons.

To buy or sell cryptocurrency on Ramp, you will need to connect your bank account or debit card. Once you have connected your payment method, you will be able to choose the cryptocurrency you want to buy or sell and the amount you want to spend.

The fees associated with buying and selling cryptocurrency on Ramp vary depending on the payment method you use and the amount of cryptocurrency you are buying or selling. For example, if you use a bank transfer to buy cryptocurrency, you will pay a fee of 1%. If you use a debit card, you will pay a fee of 3.5%.

Fiat onramp: A service that allows users to buy crypto with fiat currencies, such as USD, EUR, or GBP, through various payment methods, such as cards or bank transfers.

Stripe offers a simple and secure way to embed fiat onramp into your checkout flow, with built-in features such as KYC, fraud prevention, and disputes. Stripe also supports returning customers with one-click purchases.

Features of Stripe for crypto businesses:

  • Fiat onramp: Allow customers to buy crypto with fiat currencies using cards or bank transfers, with KYC, fraud, and disputes handled by Stripe.
  • Fast payouts: Send payouts to users, sellers, and creators in their local fiat currencies and crypto, starting with USDC.
  • Identity and KYC: Verify the identity of users with Stripe Identity, and comply with local regulations and requirements.
  • Optimization and security: Increase conversion and reduce fraud with Stripe's direct issuer integrations, machine learning models, and data security.
  • Expert support: Get guidance from Stripe's experts on your crypto strategy and implementation, tailored to your needs and goals.

Fiat Onramps Compared

Fees- Charges a fee of 1% to 4.5% for buying and selling cryptocurrencies.
- Additional fees may apply depending on the payment method and the country of residence.
- Charges a fee of 1% to 5.5% for buying and selling cryptocurrencies.
- Additional fees may apply depending on the payment method and the country of residence.
- Charges a flat fee of 0.9% to 5.45% for buying and selling cryptocurrencies.
- Additional fees may apply depending on the payment method and the country of residence.
- Charges variable fees for buying and selling cryptocurrencies.
- Additional fees may apply depending on the payment method and the country of residence.
Supported Fiat Currencies30+20+40+Limited
Supported Cryptocurrencies110+170+90+ETH
USDC (Ethereum)
USDC (Solana)
USDC (Polygon)
Supported Countries160+160+150+US (excl. Hawaii)
KYC Required?YesYesYesYes

How to use fiat onramps with Wallet-API

When you buy crypto through the fiat onramps, it will ask you for your wallet address. All you need to do is create a wallet using our Wallet-API and save the public wallet address. This address can then be used to receive crypto funds through the onramps. It's that easy!

Various cryptocurrencies operate on different blockchain networks, and not all wallets are designed to receive every type of cryptocurrency. It's important to verify that your wallet is capable of supporting the particular cryptocurrency you intend to receive.


Our Wallet-API supports the following blockchain networks:

  3. AVAC
  5. Binance Smart Chain
  10. Polygon (MATIC)
  11. NEO
  12. HEDERA
  13. ImmutableX
  14. BASE
  15. XPLA