Kado: US-Optimized Crypto On/Off-Ramp

Overview

Kado is a US-optimized crypto on-ramp and off-ramp founded in 2022, enabling users to buy and sell 50+ cryptocurrencies with card, bank transfer and Apple Pay, with direct delivery to the user’s self-custodial wallet. The platform is designed for wallets, dApps and Web3 platforms that need a fast, high-conversion on-ramp optimized for the US market.

Kado focuses on simplicity and integration flexibility — offering both an embeddable widget for wallets and dApps, and a hosted on-ramp for direct consumer use. The platform supports on-ramp (fiat-to-crypto) and off-ramp (crypto-to-fiat) flows, making it a two-way ramp rather than a buy-only service. KYC/AML verification is built into the flow for regulatory compliance.

As of August 2026, Kado continues to operate as a regulated on-ramp with a focus on the US market, supporting major assets including BTC, ETH, USDC, USDT and other large-cap cryptocurrencies across major chains.

Best for: US-based wallets, dApps and Web3 platforms that need a fast, regulated on/off-ramp optimized for the US market with direct wallet delivery.

Fees & Pricing

Kado charges percentage-based fees typically in the 1.5–2% range, varying by payment method, region and asset. Bank transfer purchases typically carry lower fees than card purchases.

Cost model

On-ramp fee — 1.5–2%, varies by payment method (card, bank transfer, Apple Pay) and region.
Off-ramp fee — percentage-based for crypto-to-fiat conversion and bank remittance.
Network fees — underlying blockchain gas applies for on-chain crypto delivery.
Card scheme fees — Visa/Mastercard processing costs apply for card-based purchases.

Settlement

Minutes — crypto delivered to the user’s wallet once fiat payment is confirmed and KYC is complete.
Direct delivery to any self-custodial wallet address the user specifies.

Features & Integrations

On-ramp

Buy 50+ cryptocurrencies including BTC, ETH, USDC, USDT and major altcoins.
Payment methods — card, bank transfer and Apple Pay, optimized for the US market.
Direct wallet delivery — crypto sent to the user’s self-custodial wallet.

Off-ramp

Sell crypto to fiat — users can off-ramp crypto to fiat with bank remittance in supported regions.

Integration

Embeddable widget — for wallets, dApps and Web3 platforms.
Hosted on-ramp — for direct consumer use.
KYC/AML — verification built into the flow for regulatory compliance.

Pros & Cons

Pros

US-optimized on-ramp with card, bank transfer and Apple Pay support
Both on-ramp and off-ramp — two-way ramp, not buy-only
50+ cryptocurrencies with direct self-custodial wallet delivery
Embeddable widget for wallets, dApps and Web3 platforms
Competitive fees (1.5–2%) for the US market

Cons

US-optimized — broader global reach may be limited compared to global ramps
Fees (1.5–2%) apply on top of network gas and card scheme fees
KYC required for users in regulated jurisdictions
Consumer on-ramp focus — not a merchant checkout or B2B payout platform
Off-ramp bank remittance timing depends on destination rail and region

Frequently Asked Questions

What is Kado?

A US-optimized crypto on-ramp and off-ramp founded in 2022, enabling users to buy and sell 50+ cryptocurrencies with card, bank transfer and Apple Pay, with direct delivery to self-custodial wallets.

How much does Kado cost?

Fees are typically 1.5–2% depending on payment method and region. Bank transfers typically carry lower fees than card purchases. Network gas and card scheme fees may apply.

Does Kado support off-ramp?

Yes — Kado is a two-way ramp supporting both on-ramp (fiat-to-crypto) and off-ramp (crypto-to-fiat) flows.

Is Kado regulated?

Yes — Kado is a regulated on-ramp with KYC/AML verification built into the flow.

Who is Kado best for?

US-based wallets, dApps and Web3 platforms that need a fast, regulated on/off-ramp optimized for the US market with direct wallet delivery.

Kado