Onramp Money

Onramp Money is a fiat-to-cryptocurrency payment gateway that lets users buy, sell, and swap digital assets using local payment methods — from UPI in India to SEPA in Europe and PIX in Brazil. Founded in 2022 and headquartered in India, the platform positions itself as a P2P alternative to centralized exchanges, routing transactions through its own compliance and liquidity infrastructure without requiring users to open an exchange account.

How It Works

The user-facing flow is deliberately minimal. A buyer selects an amount, pastes a wallet address, and pays using a payment method native to their country. The platform handles KYC verification, payment processing, and on-chain settlement. Most transactions complete within minutes. Because Onramp delivers crypto directly to user-controlled wallets — MetaMask, Ledger, Trezor, or any self-custody address — the platform operates non-custodially on the crypto side: users receive assets without Onramp ever holding them in an intermediary account.

For B2B customers, Onramp offers an embeddable widget and a developer API that can be integrated with a few lines of code. The API exposes buy, sell, and swap flows that third-party apps can surface under their own UI, with customizable endpoints and the option to subsidize user fees at the dApp level.

Supported Networks and Assets

Onramp supports 13+ blockchain networks: Ethereum, Polygon, BNB Smart Chain, Solana, NEAR, Optimism, Arbitrum, Tron, Base, Mantle, Manta, TON, and Stellar. The token catalog spans 480+ assets across these chains.

On Solana specifically, users can purchase SOL and supported SPL tokens directly to any Solana-compatible wallet address. Pricing includes a transparent platform fee plus network fee with no hidden spread — the quoted price is the settlement price.

Fiat Coverage

The platform supports 52 fiat currencies across 75+ countries. Currencies with both onramp (fiat-to-crypto) and offramp (crypto-to-fiat) support include INR, EUR, GBP, TRY, BRL, MXN, VND, NGN, COP, CLP, PHP, IDR, KES, GHS, PLN, CAD, and around two dozen more across Asia, Europe, Latin America, and Africa. Several additional currencies — THB, MYR, AUD, SGD, JPY, KRW, and others — support onramp only, with offramp coverage described as in progress.

Payment rails reflect local banking infrastructure: UPI and IMPS for India, SEPA for the eurozone, PIX for Brazil, Google Pay, ACH transfers, Khipu in Chile, Thai QR Payment, and others. This regional specificity is a differentiator from generalist gateways that rely primarily on card rails and miss large unbanked or card-underserved markets.

Compliance and KYC

Onramp operates through registered affiliated entities in India and Europe. Its KYC system automates document verification for residents of 75+ countries, typically taking around three minutes on first use. KYC approval is reused across subsequent transactions on the same account.

The platform implements AML procedures aligned with local regulatory requirements across all supported jurisdictions and states it works directly with regulators in key markets. Its reported fraud rate is below 0.01%. Onramp describes its compliance posture as "enterprise-grade," with multi-layer encryption across transaction flows and a privacy-minimizing data retention policy.

B2B Integrations and Use Cases

Onramp's primary commercial model is B2B: it supplies fiat-to-crypto infrastructure to other products rather than competing directly for retail end users. Partners and integration verticals include:

• Wallet providers: MetaMask integrated Onramp's API to give Indian users access to UPI and IMPS-based crypto purchases directly inside the MetaMask wallet. Trust Wallet and Telegram Wallet are also listed integration partners.
• Exchanges: Platforms can embed Onramp to handle fiat entry and exit without building their own payment compliance stack.
• NFT marketplaces: Onramp handles checkout for NFT purchases in fiat, settling the crypto leg on-chain.
• Gaming: In-game asset and token purchases with local payment methods.
• E-commerce: Merchants can accept crypto payments while optionally settling in fiat.

Lorenzo Santos, product manager at MetaMask, noted the motivation for the India partnership: "We are excited to partner with Onramp.money to bring instant transaction services to our users in India." The MetaMask integration extended purchasing capability to Ethereum, Polygon, and BNB Chain networks for Indian users navigating a local environment marked by a 30% crypto gains tax and a 1% tax deducted at source — conditions that place extra value on frictionless fiat-to-crypto entry.

Onramp is also listed as a verified dApp on Alchemy, signaling recognition within the broader Web3 developer tooling ecosystem.

Solana Ecosystem Fit

In the Solana context, Onramp Money addresses a structural gap: Solana has strong on-chain throughput and low transaction costs, but users outside the US who lack access to Coinbase or major card-accepting exchanges face friction getting fiat into SOL. Onramp's regional payment method support — especially UPI for India's large crypto-active population — makes it directly relevant for onboarding new Solana users in high-growth markets.

The platform's non-custodial delivery model also aligns with Solana's wallet-native culture. Users interact with Onramp as a conversion service, not a custodian, and receive SOL or SPL tokens straight to a wallet they control.

Token and Governance

Onramp Money does not issue its own token. There is no governance mechanism or staking program associated with the platform. Revenue is generated through transaction fees.

Team

Onramp Money is an India-founded company established in 2022. The team has not been publicly named beyond company representatives. No venture funding announcements were identified at time of writing.

Status

The platform is live and actively onboarding B2B partners. The company states it is continuously expanding its supported currency and country list. No security audits have been publicly disclosed.