Mercuryo

Mercuryo is a Web3 payment infrastructure company founded in 2018, headquartered in Malta, providing the payment engine behind many of the leading Web3 businesses. The platform combines a crypto on-ramp, co-branded Spend cards and cross-chain payment infrastructure, trusted by 500+ Web3 companies including MetaMask, Trust Wallet, Ledger, 1inch, PancakeSwap, Bybit, Bitget Wallet and TONKeeper.

The flagship On-Ramp product lets wallet and dApp users buy crypto in approximately 15 seconds using card, Apple Pay, Google Pay and local payment methods, with multi-chain delivery directly to the user’s wallet. Mercuryo has onboarded 12M+ KYC’d users, processed over $2 billion in total volume and generated $15M+ in revenue for partners since launching in 2018.

The Spend product offers co-branded virtual cards that let users spend crypto from a connected wallet anywhere cards are accepted, with 30+ multi-chain support and instant card issuance. This bridges the gap between crypto holdings and everyday spending without requiring users to pre-convert to fiat. As of August 2026, Mercuryo continues to expand its product suite and chain coverage, with 24/7 customer care in 20+ languages and an average response time of 30 seconds.

Best for: Wallets, exchanges, dApps and Web3 platforms that need a fast, high-conversion on-ramp plus optional co-branded card spending, backed by enterprise-grade compliance and 150+ country reach.

Mercuryo charges percentage-based ramp fees typically in the 2–3% range for on-ramp purchases, varying by payment method, region and partner configuration. Co-branded Spend cards have separate card-program fee structures.

Cost model

• On-ramp fee — percentage-based, typically 2–3%, varies by fiat payment method (card, Apple Pay, Google Pay, local rails) and region.
• Spend card fees — card-program pricing including issuance and transaction fees, structured per co-branded partnership.
• Network fees — underlying blockchain gas applies for on-chain crypto delivery.
• Card scheme fees — Visa/Mastercard processing costs apply for card-based purchases and card spending.

Settlement

• On-ramp — crypto delivered to the user’s wallet in approximately 15 seconds at chain finality.
• Spend — instant card authorization at point of sale, settled via card networks.
• Partners receive revenue share based on transaction volume generated through their integration.

Refund handling

• Failed fiat transactions are refunded per the underlying payment method’s rules; crypto delivered on successful on-ramp is non-reversible.

On-Ramp

• Buy crypto in ~15 seconds — fast, high-conversion onboarding and retention for wallet and dApp users.
• 150+ countries supported with 10+ payment methods including card, Apple Pay, Google Pay and local rails.
• 70+ cryptocurrencies across 30+ chains including BTC, ETH, USDC, USDT, SOL, TON, BNB and more.
• 12M+ KYC’d users and 80% customer satisfaction.

Spend — co-branded cards

• Virtual co-branded cards — let users spend crypto from a connected wallet anywhere cards are accepted.
• 30+ multi-chain support and instant card issuance.
• White-label card program for wallets and platforms to offer branded spending to their users.

Infrastructure & support

• 30+ chains supported including Ethereum, Solana, TON, BNB Chain, Polygon, Optimism, Linea, Avalanche, NEAR, Tron and more.
• 24/7 customer care in 20+ languages with an average response time of 30 seconds.
• Enterprise-grade compliance and KYC/AML built into the onboarding flow.

Integration

• Embeddable on-ramp widget and API for wallets, exchanges and dApps.
• Co-branded card program available for qualifying partners.