8 Best White-Label Crypto On/Off-Ramp Providers 2026 (Compared)

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• Retail on/off-ramps handle per-user KYC and card payments at consumer scale, while stablecoin infrastructure providers move money between businesses.
• Transak provides the widest integration options with most flexibility for apps compared to all other providers on the list.
• Transak does not operate a consumer-focused application and hence has no conflict of interest for revenue generation.

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At first, choosing an on/off-ramp provider feels like a feature comparison. Once you take the plunge, you find out that it is also a deep dive into licensing, coverage, and real business alignment.

Your decision of a provider could shape the entire experience you can possibly provide to your users, which will in turn determine how much revenue the app can generate.

This guide compares eight providers on identical criteria. Four are retail on/off-ramps built for consumer-facing apps. Four are stablecoin and payments infrastructure platforms built for business-to-business flows. All product facts were taken from each provider's own public documentation and announcements in July 2026, and this market moves quickly enough that you should re-check anything decision-critical before you sign.

How we compared these providers (Methodology)

Every provider gets the same five questions:

1. What is it?
2. How many countries/jurisdictions they compliantly cover?
3. What are the different integration models available?
4. What are the payment and payout capabilities like?
5. What are some trade-offs?

Note that the information provided in this guide is latest as of July 2026 and is subject to change. Everything cited comes from their own public documentation, and you should verify anything decision-critical directly with them.

Summary

1. Transak

What it is

Transak is a regulated and registered on/off-ramp and stablecoin payments infrastructure that embeds inside other applications. The infrastructure handles payment processing, identity verification, fraud monitoring, and fiat settlement so the partner app never becomes a crypto company.

Transak does not operate a consumer app, a wallet, or an exchange that would compete with Transak Partners.

Coverage and licensing

136+ cryptocurrencies across 45+ blockchains in over 63 countries, with 26 fiat currencies.

Registered entities in the USA (NMLS ID 2362652), the UK, Canada, Australia, and Hong Kong. ISO 27001:2022 certified and SOC 2 Type II compliant. Used by 600+ apps.

Integration model

Transak provides four integration routes for developers:

1. A hosted widget by redirect, iframe, or JavaScript SDK
2. Mobile WebView for native Android, iOS, and React Native
3. A Whitelabel API where you build every screen
4. Headless components for cards, Apple Pay, and Google Pay when you want a native flow without taking card data into your PCI scope.

Payments and payout

Funding by card, Apple Pay, Google Pay, SEPA and SEPA Instant, Faster Payments, open banking, and wire. Payout by SEPA transfer, GBP bank transfer, or to a card.

Named virtual accounts in EUR over SEPA, GBP over Faster Payments, and USD over wire and ACH. Transak Stream gives users a permanent address that converts and pays out automatically across 64+ countries.

Trade-offs to know

As of July 2026 the Whitelabel API covers on-ramp only, so off-ramp and Stream run through the widget, SDK, or mobile WebView. Emerging-market coverage is corridor-led rather than universal, with Brazil, Mexico, the Philippines, and Malaysia served through cards rather than local instant schemes.

Current coverage is published at transak.com/global-coverage.

Also Read: KYC Reliance explained: reuse verification across wallets and exchanges

2. MoonPay

What it is

MoonPay is an on/off-ramp and crypto payments platform serving both businesses and consumers. Its Ramps platform serves 500+ business customers, and it separately operates a consumer app and a self-custody wallet used by a reported 30 million people.

Coverage and licensing

Business ramps span the US, EEA, and 100+ countries, with the consumer side reaching 180+ countries. Licensing is broad, including money transmitter licences across 47 US states, a New York BitLicense, and registrations with the FCA, the Central Bank of Ireland, AUSTRAC, and FINTRAC.

Integration model

MoonPay launched Headless Onramps in May 2026, replacing its widget with a pure API that gives partners a fully white-labelled checkout supporting one-tap Apple Pay, card, and Google Pay purchases.

Payments and payout

Cards, Apple Pay, Google Pay, PayPal, and local bank transfers on the consumer side, with on-ramp and off-ramp both supported. MoonPay launched virtual accounts in New York in April 2026, extending its enterprise stablecoin footprint.

Trade-offs to know

MoonPay sells to end users directly through its own app and wallet, which puts it in the same market as many of the apps it supplies. That overlap is a notable difference from Transak, which has no consumer product and therefore no reason to compete with a partner for the same customer.

3. Ramp Network

What it is

Ramp Network is a fiat-to-crypto on and off-ramp aimed at wallets, dApps, and Web3 applications, with a long-standing focus on conversion rates and native-feeling purchase flows.

Coverage and licensing

Ramp reports coverage across 150+ countries and 50+ fiat currencies, which is among the widest published country counts in the retail ramp category.

Integration model

A hosted widget and SDKs for web and mobile, with iOS SDK documentation published. Ramp's public documentation is oriented around embedding its interface rather than rebuilding the journey screen by screen.

Payments and payout

Visa and Mastercard cards, Apple Pay, Google Pay, SEPA Instant, PIX, and open banking transfers. Off-ramp to bank accounts is available in select regions including the UK and Europe, and card payouts reach 35+ local currencies through Visa and Mastercard.

Trade-offs to know

Bank off-ramp is regionally limited rather than global, and Ramp does not publish a named virtual account product.

If your users need to receive salaries or invoices into an account number, you might hit a wallet. For such cases Transak's Virtual Account Payments covers in EUR, GBP, and USD.

4. Banxa

What it is

Banxa is a compliance-led fiat-to-crypto payment platform serving exchanges, wallets, PSPs, and ecommerce, now operating inside OSL Group.

Coverage and licensing

Banxa states coverage in over 200 countries with 100+ cryptocurrencies and 150+ fiat currencies.

Licensing is genuinely one of its strengths, with 45 licences reported, including a MiCA licence in the Netherlands that passports across 30 EEA countries, FCA registration in the UK, and AUSTRAC registration in Australia. US services run through DART Bank.

Integration model

A REST API, JavaScript and Python SDKs, client libraries for web, iOS, Android, and React Native, and pre-built UX components.

Payments and payout

Local payment methods including cards, bank transfers, SEPA, iDEAL, and Apple Pay, with both on-ramp and off-ramp supported.

Trade-offs to know

While a good pick overall, third-party reviews highlight high fees as a cost for convenience and stringent verification requirements.

5. Mercuryo

What it is

Mercuryo is an on/off-ramp focused on breadth of local payment methods, with a notable strength in push-to-card payouts. Partners include several large wallet and hardware wallet brands.

Coverage and licensing

Mercuryo reports availability in over 150 countries, supporting more than 25 fiat currencies for on-ramp.

Integration model

An API with a choice of SDK or iFrame embedding, plus a customisable WebView, and custom design options to match partner branding.

Payments and payout

Local methods including Revolut Pay, PIX in Brazil, InstaPay in the Philippines, and QRIS in Indonesia. Payouts run as a push-to-card gateway through Visa Direct and Mastercard Send, typically settling in under 30 minutes and near-instantly on Fast Funds enabled cards.

Trade-offs to know

Off-ramp fiat is limited to EUR and USD, which is narrow if your users want to exit into their own local currency. Card-based payout also means the exit path depends on the user holding an eligible card, where Transak supports SEPA and GBP bank transfer payouts alongside cards.

6. BVNK

What it is

BVNK is an enterprise stablecoin payment infrastructure for businesses and financial institutions. It offers a managed service and a self-managed platform called Layer1, covering payment orchestration, merchant settlement, and treasury.

Coverage and licensing

Onboarding across 130+ countries with 25+ licences. These include a UK Electronic Money Institution licence, an EU EMI licence with VASP registrations, and US registration as a Money Services Business with state money transmitter licences.

Integration model

API-first, with a managed option that bundles virtual accounts, payouts, and conversion, and a self-managed option for teams that want to run orchestration themselves.

Payments and payout

Virtual accounts in EUR, GBP, and USD, with access to ACH, SEPA including SEPA Instant up to €750,000, Fedwire, and Swift. Stablecoin payments in and out with automatic conversion to fiat.

Trade-offs to know

BVNK requires a minimum of roughly $500,000 in monthly payment volume and six months of trading history, and it does not offer retail card on-ramps or per-user KYC at consumer scale. It is built for business-to-business flows, so a consumer-facing app still needs a retail ramp such as Transak alongside it.

7. Bridge

What it is

Bridge is stablecoin infrastructure covering orchestration, issuance, wallets, and cards. Stripe acquired it for $1.1 billion in a deal that closed in February 2025, making it Stripe's largest acquisition.

Coverage and licensing

Global reach with US and EEA entities. Bridge Building Inc holds a license in the US, and Bridge Building S.A. is registered in Luxembourg.

Integration model

API-first across four products. Open Issuance lets a company create and manage its own stablecoin, and card issuing is integrated with Stripe Issuing.

Payments and payout

Stablecoin movement, storage, and acceptance in USD, USDC, USDT, and other stablecoins. Bridge also mints USDB, its own stablecoin backed one-to-one by BlackRock money market funds, with reserves invested in US Treasuries.

Trade-offs to know

Bridge is business-to-business stablecoin infrastructure rather than a retail fiat on-ramp, so it does not solve per-user KYC, card acceptance, or consumer fraud at scale. It is also now part of Stripe, which is a payments company in its own right, where Transak supplies infrastructure without operating a competing payments business of its own.

8. Iron

What it is

Iron is API-first stablecoin banking and payments infrastructure, acquired by MoonPay in the first quarter of 2025 in a deal reported above $100 million. It now operates as MoonPay's stablecoin infrastructure brand.

Coverage and licensing

Onboarding from 100+ countries, with regulatory cover inherited from MoonPay, including money transmitter licences across 47 US states, a New York BitLicense, and FCA, Central Bank of Ireland, AUSTRAC, and FINTRAC registrations.

Integration model

Turn-key APIs spanning on/off-ramps, swaps, banking rails, payments, wallets, and virtual accounts, with KYC either hosted by Iron or brought by the partner.

Payments and payout

Named virtual accounts in USD, EUR, and GBP that receive fiat via local and international methods and settle into stablecoins. Fiat pay-ins and pay-outs in USD, EUR, and GBP, with global off-ramp support across 30+ currencies in progress. Supported assets centre on USDC, PYUSD, and EURC, with SOL and ETH on request.

Trade-offs to know

The supported asset list is deliberately narrow next to a full retail ramp, and global off-ramp coverage is still being built out. Iron also sits inside MoonPay, so the consumer-app overlap that applies to its parent applies here too, which is the alignment question Transak does not raise.

How to choose the right white-label on/off-ramp?

Start by working out which half of the category you are in.

• If your product has end users who pay by card and need identity verification, you need a retail on/off-ramp.
• If you are moving money between businesses in size, you need stablecoin infrastructure.

Plenty of teams need both, and it is very rare to find one that is able to cater to both requirements.

Then work through four questions in this order.

• Where do you need to be licensed, and does the provider actually hold it there? Coverage claims and licence footprints are different things, and only the second survives a compliance review.
• How does money get out? Payout is almost always narrower than funding. Check the exit path for your specific corridor before you check anything else.
• Do your users need an account number? If salaries, invoices, or client payments land in the product, a named virtual account is the requirement, and not every provider has one.
• Does the provider compete with you? If it runs a consumer app in your category, its incentives and yours will diverge as you both grow.

Also Read: Seven cross-border payment solutions for businesses in 2026

Transak for white-label on/off-ramp

In addition to providing the widest integration options, tiered KYC, and both B2B/B2B2C use cases, Transak’s infrastructure is also modular. That means, apps can pick and choose the exact components they want so that they do not need to rip out their existing integrations that are already working well just to accommodate a new provider.

Transak already has a proven track record for white-label infrastructure through integrations with partners such as MetaMash.

To explore further, reach out to our team.

Frequently asked questions

What is a white-label crypto on-ramp?

A white-label crypto on-ramp lets an app offer fiat-to-crypto purchases under its own branding, with the provider handling payment processing, KYC, compliance, and settlement behind the scenes. The user never leaves the app or sees the provider's interface. Integration is usually by API or headless components rather than a hosted widget.

What is the difference between an on-ramp and stablecoin payments infrastructure?

A retail on-ramp converts fiat to crypto for individual end users, which requires per-user KYC, card acceptance, and consumer fraud controls. Stablecoin payments infrastructure moves value between businesses using virtual accounts and bank rails, usually with a minimum monthly volume and no consumer-facing flow.

Do I need my own licences to offer crypto on-ramps?

Generally no, if you integrate a provider that holds the relevant registrations and acts as the regulated entity for the fiat leg. Our Q2 2026 compliance report covers what changed across jurisdictions this year. Building the licensing, banking, and compliance stack yourself typically takes 12 to 24 months per jurisdiction. The provider's licence footprint, not its country count, is what determines where you can actually launch.

Does using a white-label on-ramp put me in PCI scope?

Only if you capture card data yourself. Headless card components and hosted card steps keep card data with the provider, which keeps you outside PCI DSS scope while still allowing a native-looking checkout. Full API integrations where you collect card details directly do bring you into scope.

Should my on-ramp provider also run a consumer app?

No. A provider with its own consumer app and wallet is acquiring users in the same market as its partners, which can create overlap in incentives, data, and roadmap over time. Providers that earn revenue only from partner volume do not have that conflict.

How long does it take to integrate a crypto on/off-ramp?

A hosted widget can be live in days because the provider owns the interface and the KYC flow. A white-label or headless API integration typically takes two to four weeks, depending on how many screens you rebuild and whether you rely on the provider's identity verification or pass your own.