BeInCrypto Institutional Research: 15 Onramp and Offramp Solutions Powering Crypto Access

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

#	Firm	Onramp/Offramp Sub-Segment	HQ	Reach	Top Licensure	Representative Work
1	MoonPay	Consumer onramp/offramp	Miami, USA	30M+ accounts180 countries	NYDFS BitLicense + Trust Charter	Acquired Helio, Iron, and Meso in 2025Reportedly explored ~$5B ICE-linked deal talks
2	Stripe Crypto Onramp	Enterprise onramp stack	South San Francisco, USA	75M+ Privy accounts1,000+ developer teams	Bridge OCC charter conditionally approved	Bridge trust charter approved Feb 2026Expanded crypto stack through Bridge and Privy
3	Coinbase Onramp	Exchange-backed B2B onramp	Wilmington / SF, USA	110M+ users60+ fiat currencies	NYDFS BitLicense + US MTLs	Headless Apple Pay API launchedZero-fee USDC onramp on Base
4	Transak	Consumer onramp + wire rails	Miami, USA	10M+ users150+ countries	Expanding US MTL coverage	Enabled wire-transfer onramps in the USIntegrated 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 2026EU passporting structure now active
6	Alchemy Pay	APAC + global onramp	Singapore	173 countries300+ payment methods	HK SFC, UK API, FINTRAC, US MTLs	Hong Kong licence expanded to virtual assetsAlchemy Chain testnet launched in 2026
7	Zerohash	US-regulated B2B infrastructure	Chicago / Amsterdam	5M+ users190 countries	NYDFS BitLicense + MiCA access	Filed for OCC national trust bank charterRejected reported $2B Mastercard offer
8	Nuvei (Simplex)	Card onramp stack	Tel Aviv / Montreal	200+ markets680+ payment methods	MiCA CASP	Completed take-private transaction in 2025Integrated Wero wallet and Azure partnership
9	Mercuryo	Card onramp/offramp	Tallinn / London	4M+ users200+ assets	Estonian VASP	Added BitMEX onramp integrationExpanded Mastercard crypto card partnership
10	Onramper	Onramp aggregator	Amsterdam	30+ integrated onramps190+ countries	Partner-license model	Expanded crypto trading in Brazil, Mexico, and ChileLaunched 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 2026Launched USDGO stablecoin and StableHub
12	Wert	NFT/ERC20 onramp specialist	Tallinn / Oakland	200+ countries	Estonian VASP	Embedded NFT checkout with gas includedERC20 onramp without exchange listing
13	Striga	Banking-grade API stack	Tallinn, Estonia	30+ countries	Estonian VASP	Combined vIBAN, custody, and cards in one APIIntegrated 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 infrastructureMPS 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 charterRejected 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 awards@beincrypto.com