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Best Onramp and Offramp Solution is an award category within the BeInCrypto Institutional 100, an annual research-driven program recognizing institutional digital asset excellence across 26 categories and six pillars.
This category tracks the firms building payment rails, wallet integrations, banking APIs, and regulated settlement infrastructure that move money between fiat systems and crypto markets.
A shortlist will be named in May 2026, with the winner announced at Proof of Talk in Paris on June 2–3, 2026.
Key Facts
- Long list: 15 firms across consumer onramps, B2B infrastructure, aggregators, banking APIs, non-custodial systems, and TradFi payment processors with crypto rails
- Initial pool: More than 30 onramp and offramp providers screened; 15 advanced to the long list
- Scoring: 30% quantitative data · 50% Expert Council · 20% disclosed company data
- Criteria assessed: Country coverage, payment methods, regulatory compliance, UX integration, settlement speed, ecosystem integration, innovation
- Data sources: NYDFS, OCC, FCA, MiCA-CASP, FINMA, MAS, AUSTRAC, FINTRAC, audited filings, company disclosures, PitchBook, Tracxn, and Crunchbase
| 1 | MoonPay | Consumer onramp/offramp | Miami, USA | 30M+ accounts 180 countries | NYDFS BitLicense + Trust Charter | Acquired Helio, Iron, and Meso in 2025 Reportedly explored ~$5B ICE-linked deal talks |
| 2 | Stripe Crypto Onramp | Enterprise onramp stack | South San Francisco, USA | 75M+ Privy accounts 1,000+ developer teams | Bridge OCC charter conditionally approved | Bridge trust charter approved Feb 2026 Expanded crypto stack through Bridge and Privy |
| 3 | Coinbase Onramp | Exchange-backed B2B onramp | Wilmington / SF, USA | 110M+ users 60+ fiat currencies | NYDFS BitLicense + US MTLs | Headless Apple Pay API launched Zero-fee USDC onramp on Base |
| 4 | Transak | Consumer onramp + wire rails | Miami, USA | 10M+ users 150+ countries | Expanding US MTL coverage | Enabled wire-transfer onramps in the US Integrated MiCA-compliant USDG stablecoin |
| 5 | Ramp Network | EU-regulated onramp/offramp | London / Dublin | 150+ countries | MiCAR-CASP via Central Bank of Ireland | Became fully operational under MiCA in Jan 2026 EU passporting structure now active |
| 6 | Alchemy Pay | APAC + global onramp | Singapore | 173 countries 300+ payment methods | HK SFC, UK API, FINTRAC, US MTLs | Hong Kong licence expanded to virtual assets Alchemy Chain testnet launched in 2026 |
| 7 | Zerohash | US-regulated B2B infrastructure | Chicago / Amsterdam | 5M+ users 190 countries | NYDFS BitLicense + MiCA access | Filed for OCC national trust bank charter Rejected reported $2B Mastercard offer |
| 8 | Nuvei (Simplex) | Card onramp stack | Tel Aviv / Montreal | 200+ markets 680+ payment methods | MiCA CASP | Completed take-private transaction in 2025 Integrated Wero wallet and Azure partnership |
| 9 | Mercuryo | Card onramp/offramp | Tallinn / London | 4M+ users 200+ assets | Estonian VASP | Added BitMEX onramp integration Expanded Mastercard crypto card partnership |
| 10 | Onramper | Onramp aggregator | Amsterdam | 30+ integrated onramps 190+ countries | Partner-license model | Expanded crypto trading in Brazil, Mexico, and Chile Launched MUSD stablecoin in Brazil |
| 11 | OSL Group (Banxa) | APAC regulated access | Hong Kong | 40+ licences globally | HK SFC + AUSTRAC + FINTRAC | Completed Banxa take-private in Jan 2026 Launched USDGO stablecoin and StableHub |
| 12 | Wert | NFT/ERC20 onramp specialist | Tallinn / Oakland | 200+ countries | Estonian VASP | Embedded NFT checkout with gas included ERC20 onramp without exchange listing |
| 13 | Striga | Banking-grade API stack | Tallinn, Estonia | 30+ countries | Estonian VASP | Combined vIBAN, custody, and cards in one API Integrated Lightning settlement support |
| 14 | Mt Pelerin | Swiss non-custodial onramp | Geneva / Neuchâtel | 150K+ users $1B+ volume | FINMA regulated + SO-FIT | Built non-custodial DeFi bridge infrastructure MPS asset token registered in Switzerland |
| 15 | Mercado Pago | LatAm super-app access | Buenos Aires | 50M+ Mercado Pago users | Paxos + Ripio partnerships | Filed for OCC national trust bank charter Rejected the reported $2B Mastercard offer |
About This List
The BeInCrypto Institutional 100: Fiat-to-Crypto Access (2026 Long List) identifies the firms building regulated infrastructure for moving money between traditional payment systems and digital assets.
The category includes consumer-facing onramps, B2B settlement infrastructure, regional payment specialists, aggregators, and banking-grade APIs integrated into wallets, exchanges, fintech apps, and dApps.
Stablecoin orchestration platforms without a direct fiat onramp or offramp surface are evaluated separately under stablecoin infrastructure categories.
Methodology
This category is evaluated under Track B of the BeInCrypto Institutional 100 methodology: 30% quantitative metrics, 50% Expert Council scoring, and 20% disclosed data.
Assessment spans seven criteria: country coverage, payment method diversity, regulatory compliance, UX integration, settlement speed, wallet and dApp ecosystem integration, and innovation.
Data was verified using regulatory registers, audited filings, company disclosures, partnership announcements, and private-market sources, including PitchBook, Tracxn, and Crunchbase.
To submit a nomination or share feedback, contact [email protected]
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