MoonPay excels at global coverage and brand recognition, having established itself as the go-to solution for major platforms like OpenSea, Ledger, and Trust Wallet. Its key strength is a massive, compliant footprint, operating in over 160 countries with support for 80+ fiat currencies and 100+ payment methods, including credit cards, Apple Pay, and local bank transfers. This scale is backed by a reported 99.9% uptime SLA, making it a low-risk choice for mainstream adoption.
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Comparisons
MoonPay vs Ramp Network: Leading On-Ramp APIs
A technical analysis comparing MoonPay and Ramp Network's on-ramp APIs for CTOs and developers. We evaluate integration, global reach, compliance, and cost to determine the optimal solution for your application.
Chainscore © 2026
introduction
THE ANALYSIS
Introduction: The On-Ramp Infrastructure Battle
A data-driven comparison of MoonPay and Ramp Network, the two dominant APIs for converting fiat to crypto within applications.
Ramp Network takes a different approach by prioritizing developer experience and lower-cost transactions. Its API is renowned for a seamless, embeddable SDK that can be integrated in hours, not days. While its geographic reach is slightly narrower (130+ countries), it often provides better fee structures for end-users, especially in Europe where its SEPA Instant payments shine. Ramp's strategic focus on DeFi and gaming protocols like Axie Infinity and Sorare highlights its alignment with native web3 user acquisition.
The key trade-off: If your priority is maximum user reach, brand trust, and a turnkey solution for a global audience, choose MoonPay. Its extensive compliance and payment rails minimize friction for the broadest possible user base. If you prioritize developer agility, cost-optimized transactions for power users, and deep integration with DeFi or gaming ecosystems, choose Ramp Network. Its API-first design and competitive fees are tailored for applications where on-ramping is a core, frequently used feature.
tldr-summary
MoonPay vs Ramp Network
TL;DR: Key Differentiators at a Glance
A data-driven comparison of the two leading on-ramp APIs for Web3 applications, highlighting core strengths and trade-offs.
01
MoonPay: Global Scale & Brand Recognition
Dominant market share: Processes over $3B+ in transaction volume annually. This matters for mainstream consumer apps needing a trusted, recognizable checkout experience. Supports 150+ countries and 80+ fiat currencies, with deep integrations in wallets like MetaMask and Ledger Live.
02
MoonPay: High-Touch Enterprise Support
Dedicated account management and custom contracts. This matters for large-scale enterprises and public companies (e.g., OpenSea, Dapper Labs) requiring SLA guarantees, bespoke compliance flows, and white-glove integration support for high-volume operations.
03
MoonPay: Higher Fees & Complexity
Transaction fees typically range from 1-4.5%, with higher spreads on some assets. This matters for cost-sensitive applications or high-frequency traders where every basis point impacts user retention. The enterprise model can also mean longer sales cycles.
04
Ramp Network: Developer-First UX & Speed
Frictionless, embeddable SDK with average integration time of < 2 hours. This matters for fast-moving startups and dApps prioritizing rapid deployment. Features like instant user onboarding and a clean, self-serve dashboard reduce dev overhead significantly.
05
Ramp Network: Competitive Pricing & Transparency
Aggressive, transparent fee structure starting at 0.49% for large volumes. This matters for DeFi protocols and NFT marketplaces aiming to minimize user acquisition cost. Real-time fee estimates and no hidden spreads build user trust.
06
Ramp Network: Limited Global Reach
Operates in ~40 countries, with more restrictive availability for US users. This matters for applications targeting a truly global audience or specific regulated markets (e.g., US retail) where MoonPay's broader licenses provide a clear advantage.
LEADING ON-RAMP APIS
MoonPay vs Ramp Network: Head-to-Head Feature & Spec Comparison
Direct comparison of key metrics and features for technical integration and business decisions.
| Metric / Feature | MoonPay | Ramp Network |
|---|---|---|
Avg. Processing Fee (Buy) | 1.0% - 4.5% | 0.49% - 2.9% |
Supported Fiat Currencies | 40+ | 130+ |
Supported Blockchains | 20+ | 30+ |
KYC Verification Time | ~2-5 minutes | < 1 minute |
Direct Bank Transfer (ACH/SEPA) | ||
Apple Pay / Google Pay | ||
NFT Checkout Flow | ||
Self-Custody Wallet Integration |
pros-cons-a
Developer Trade-Offs
MoonPay vs Ramp Network: Leading On-Ramp APIs
A data-driven comparison of the two dominant on-ramp providers, focusing on integration complexity, cost, coverage, and compliance for engineering teams.
01
MoonPay: Global Coverage & Brand Recognition
Specific advantage: Supports 150+ countries and 80+ fiat currencies, with integrations in major wallets like MetaMask and Trust Wallet. This matters for mass-market DApps targeting a broad, international user base where brand trust reduces drop-off rates.
150+
Countries
80+
Fiat Currencies
02
MoonPay: Higher Fee Structure
Specific trade-off: Fees typically range from 1-4.5%, often higher than competitors for card purchases. This matters for high-frequency trading apps or DeFi protocols where user acquisition cost and transaction efficiency are critical. The premium buys compliance and reach.
04
Ramp Network: Strategic Crypto-First Focus
Specific trade-off: While expanding, fiat coverage is more selective than MoonPay, prioritizing key Web3 markets. This matters for NFT platforms and gaming DAOs where the primary goal is onboarding users into specific ecosystems (e.g., Polygon, Solana) rather than universal fiat access.
pros-cons-b
MOONPAY VS RAMP NETWORK
Ramp Network: Pros and Cons for Developers
Key strengths and trade-offs for two leading on-ramp APIs, based on developer experience, coverage, and integration complexity.
01
MoonPay: Global Coverage & Brand Recognition
Broadest geographical reach: Supports 160+ countries and 80+ fiat currencies. This matters for consumer-facing dApps (like NFT marketplaces) that need to serve a truly global user base without regional restrictions.
- High brand trust: Recognized name with integrations in major wallets (MetaMask, Trust Wallet) and protocols (Polygon, Solana).
160+
Countries
80+
Fiat Currencies
02
MoonPay: Simplified Integration & Speed
Faster time-to-market: Well-documented SDKs (Web, iOS, Android) and a straightforward API. This matters for teams with tight deadlines or those building their first on-ramp feature.
- Unified flow: Handles KYC, fraud prevention, and payment processing in a single, managed widget, reducing backend complexity.
03
MoonPay: Higher Cost Structure
Premium pricing: Transaction fees are typically higher (often 1-4.5%) and less transparent than competitors. This matters for high-volume applications where fee optimization directly impacts user acquisition cost and margins.
- Limited custom pricing: Negotiated enterprise rates are less accessible for mid-sized projects compared to Ramp's public, tiered model.
04
Ramp Network: Developer-First Flexibility
Highly customizable SDK: Offers deep UI/UX customization and programmatic control (APIs for KYC status, transaction history). This matters for white-label applications and fintech builders who need the on-ramp to feel native.
- Gasless transactions: Option to sponsor user gas fees for onboarding, a critical feature for improving conversion rates in DeFi and gaming dApps.
05
Ramp Network: Transparent & Competitive Fees
Clear, published fee schedule: Public pricing with volume-based discounts (starting at ~2.49%). This matters for CTOs managing budgets who require predictable, auditable cost structures.
- Multi-chain native support: Direct fiat-to-L2/L3 purchases (e.g., Arbitrum, Optimism, Starknet) without bridging, saving users time and fees.
~2.49%
Starting Fee
06
Ramp Network: Regional & Asset Limitations
Smaller geographical footprint: Available in ~100 countries, with more restrictions on supported fiat methods in certain regions (e.g., fewer local bank transfer options in APAC). This matters for projects targeting specific emerging markets where MoonPay may have deeper local payment rail integrations.
- Fewer alternative assets: Historically focused on core crypto assets; slower to add newer memecoins or niche tokens compared to some competitors.
CHOOSE YOUR PRIORITY
Decision Framework: Choose Based on Your Use Case
MoonPay for DeFi
Verdict: The enterprise-grade, compliant choice for established protocols. Strengths: Deep fiat-to-DeFi integrations with wallets like Phantom and MetaMask. Superior KYC/AML compliance is critical for institutional liquidity and regulated products. Supports a vast array of ERC-20 tokens and stablecoins directly, enabling complex on-ramp flows into specific DeFi pools. Considerations: Higher average fees can impact user acquisition cost for high-frequency, low-margin DeFi activities.
Ramp Network for DeFi
Verdict: The user-friendly, cost-optimized engine for high-volume retail DeFi. Strengths: Lower average fees directly boost user net deposit value. The embedded widget provides a seamless, custodial experience ideal for in-app swaps on platforms like 1inch or SushiSwap. Strong support for Layer 2s (Arbitrum, Optimism) and Polygon reduces gas costs for end-users post-purchase. Considerations: While compliant, its compliance model is often perceived as more streamlined for retail versus MoonPay's enterprise focus.
verdict
THE ANALYSIS
Final Verdict and Recommendation
A data-driven conclusion on choosing the right on-ramp partner for your Web3 application.
MoonPay excels at global reach and brand recognition because of its extensive regulatory licensing and massive user base. For example, it supports over 160+ countries, 80+ fiat currencies, and has processed billions in transaction volume, making it the default choice for major platforms like OpenSea and Ledger. Its comprehensive KYC/AML compliance and robust API documentation reduce integration friction for enterprise clients.
Ramp Network takes a different approach by prioritizing developer experience and cost efficiency. This results in a more flexible, embeddable solution with a focus on emerging markets and non-custodial wallets. Ramp's SDK is known for its modularity and ease of integration, often cited for lower fees in specific regions and strong support for protocols like Polygon, Arbitrum, and Solana, appealing to agile, cost-conscious teams.
The key trade-off: If your priority is maximum global coverage, enterprise-grade compliance, and a trusted brand name for a mainstream audience, choose MoonPay. If you prioritize developer-first tooling, competitive fees for specific geographies, and deep integration with a multi-chain DeFi ecosystem, choose Ramp Network. For projects targeting high-volume, institutional flows, MoonPay's scale is decisive. For nimble dApps optimizing for user acquisition cost and chain-specific features, Ramp's agility is superior.
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