List of Top 15 Fiat Onramps in 2025

A fiat onramp is a services that allow people to buy digital assets using traditional currency like dollars, euros, pounds, or naira. Without it, new users would find it difficult to purchase coins in the cryptocurrency market. Additionally, many investors, traders, and businesses currently use them to acquire digital coins and tokens.

At the moment, there are now a significant number of entities providing the services, but only a few are globally trusted, provide simple payment options, and have good security. Here is a guide to take you on the top 15 fiat onramps in 2025 based on their popularity and user experience.

Top 15 Fiat Onramps in 2025

1. Ramp Network

Ramp Network is one of the best fiat onramps in 2025. It is known for making payments fast and smooth, which allows users to buy cryptocurrencies directly with bank transfers, debit cards, or credit cards. The platform is built with a developer-first approach, which means many apps, wallets, and Web3 projects can directly use Ramp in their systems.

2. MoonPay

MoonPay has been one of the most popular fiat onramps since 2019, and in 2025, it is still growing. Millions trust it because of its simple design. A user can buy crypto within minutes by using a bank card, Apple Pay, Google Pay, or local payment methods across more than 160 countries.

One of its biggest features is making the buying process feel like a normal online checkout. The company also partners with many crypto exchanges, NFT platforms, and even gaming apps to provide direct fiat-to-crypto purchases inside those platforms.

3. Coinbase Onramp

Coinbase is one of the most recognized entities in cryptocurrency, making its fiat onramp service widely trusted. Coinbase Onramp allows users to buy crypto from the Coinbase wallet and other apps connected to the platform.

Since Coinbase itself is a trusted brand, many people who are new to crypto feel safer starting with a company that is regulated and listed on the stock exchange. Plus, for businesses, the company offers a secure API that lets apps embed onramp services inside their platforms.

4. Paybis

Paybis is an exchange and a fiat onramp that has earned recognition in the market. The platform also supports many payment methods, including local bank cards, international credit cards, and services based on certain regions.

Its speed and transparency, which allow users to process their purchases in minutes and show fees before confirming, make the platform one of the best. Unlike some competitors, Paybis focuses more on customer support, offering help for users at every step.

5. Transak

Transak is a major fiat onramp provider whose aim is to help developers build payment solutions. It offers APIs and SDKs that let any app or website support fiat-to-crypto purchases. As of 2025, it serves more than 160 countries.

The platform goes beyond card payments and includes UPI in India, mobile money in Africa, and local bank transfers in Europe. This makes Transak one of the best options for people outside Western markets.

6. Mercuryo

Mercuryo started as a payment company and grew into one of the biggest fiat onramps. In 2025, it is known for its mix of fiat-to-crypto and business payment solutions.

For retail users, Mercuryo allows easy crypto purchases with cards, Apple Pay, Google Pay, and other options. For businesses, it offers global payment tools, fiat settlement, and onramp integration.

7. Onramper

Onramper is an aggregator that connects users to multiple fiat onramps. Instead of being a single provider, it combines services from many companies to give the best price and coverage.

This is quite needed in 2025 since users no longer need to compare several onramps manually. Onramper automatically finds the best route, showing different fees and payment options on one screen.

8. BitPay

BitPay has been in crypto payments since 2011, making it one of the oldest companies in this field. Its onramp service allows users to buy crypto with debit cards, credit cards, Apple Pay, and Google Pay.

The brand is considered unique because it is not only an onramp but also a full crypto payment provider. Users can buy crypto and then spend it using the BitPay card or use it to pay merchants directly.

9. Stripe Crypto Onramp

Stripe is one of the biggest names in online payments, and its crypto onramp has grown quickly since launch. The platform in 2025 is also one of the most trusted brands since it has Stripe support of a long record of payment processing.

The platform is designed for developers, and businesses and apps can embed Stripe’s onramp into their websites with just a few lines of code, with users being ready to get a simple checkout flow, similar to paying for goods online.

10. Kado

Kado has grown faster despite being a newer fiat onramp because of its speed and simplicity. It is often integrated into Web3 wallets and DeFi apps.

The platform supports bank transfers, cards, and local payment systems, helping users make flexible payment options in different regions. Its design makes it a good choice for developers who want to add onramp features without complex setups.

11. Banxa

Banxa is a global fiat-to-crypto platform that works with many exchanges and wallets. It is one of the most established providers in the industry.

Banxa supports many payment options, including credit cards, bank transfers, and regional services. It also integrates directly with leading exchanges, making the buying process smooth. Also, it offers a full service package with protection from fraud, settlement, and reporting for businesses.

12. Guardarian

Guardarian is a fiat onramp provider known for its wide support of digital assets. While many platforms focus on a limited list of coins, Guardarian supports more than 400 tokens across many blockchains.

The platform also works with businesses, offering tools for integration and settlement. Guardarian’s wide token support is what sets it apart in the onramp space.

13. Assetux

Assetux is a less-known but reliable fiat onramp that has grown in 2025. It aims to provide stable and secure transactions for retail and corporate users.

The platform supports multiple fiat currencies and payment methods. It is built to give users a clear and simple buying process, with transparent fees.

14. Mt Pelerin

Mt Pelerin is a Swiss-based fiat onramp provider that focuses on compliance and security. In 2025, it is trusted for being regulatory and following a clear process.

Users can buy and sell crypto using bank transfers and cards using the platform. It is especially popular in Europe, where it offers local support and regional payment options.

15. Onramp.money

Onramp.Money focus is on new coins and tokens. It is known for its support of local payment systems in countries like India and regions in Africa.

The platform makes it simple to buy crypto with systems like UPI, mobile money, and local bank transfers. This focus gives access to millions of people who were previously excluded from the global crypto market.

Conclusion

Fiat onramps in 2025 provides some reliable services, including helping users at a global scale and processing easy payments. The 15 platforms listed here, from the likes of Ramp, MoonPay, and Coinbase, to the likes of Kado and Onramp.money cover a wide range of needs.

To choose the right fiat onramps currently depends on where you are residing, what payment method you prefer, and which digital assets you want to buy.

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