Ramp Network Review (2026) — Regulated Fiat On/Off-Ramp & Cross-Chain Swap for Web3 Apps

Overview

Ramp Network is a regulated fiat on-ramp, off-ramp and cross-chain swap infrastructure provider that lets web3 apps offer their users a way to buy crypto with any currency, swap across any chain, and cash out anywhere — without bridges, DEX interfaces or third-party tools.

Founded in 2019 and headquartered in the UK, Ramp is trusted by 250+ industry leaders including MetaMask, Ledger, Trust Wallet, Exodus, Brave, Sorare, World, ZenGo and BitPay, and is rated 4.8 on both the App Store and Google Play and “Great” on Trustpilot. The platform is regulated across the UK (FCA), EU and US, with KYC built in.

Best for: wallets, dApps, games and exchanges that want a drop-in on/off-ramp and swap so users can move between fiat and crypto without leaving the product.

Fees & Pricing

Ramp Network charges a transparent fee on top of the network/spread cost, with no setup or monthly fees for integration.

End-user fees

Processing fee — typically 1–2% per transaction (varies by payment method, asset and region).
Network/gas fees — passed through at cost.
Spread — competitive FX spread on fiat conversion.

Integration costs

Setup fee — free to integrate the widget/SDK.
Monthly fee — $0; Ramp earns from the transaction fee.
Custom commercial terms available for high-volume partners via the sales team.

Promotions

New app users get 50% off fees on their next 2 transactions, plus up to 8 USDC in rewards.

Fees are competitive for a fully regulated, KYC-built-in on/off-ramp, though card payments sit at the higher end of the 1–2% range.

Features & Integrations

On-ramp, off-ramp & swap

Buy crypto with any currency via card, Apple Pay, Google Pay, bank transfer and Open Banking.
Sell crypto (off-ramp) to fiat, paid out to bank accounts and cards.
Swap across any chain — exchange tokens across ecosystems without bridges or DEX interfaces.
Native off-ramp flow — improved UX for selling crypto inside compatible apps.

Integration options

Widget — drop-in hosted checkout, the fastest way to add on/off-ramp.
SDK — for deeper in-app embedding and custom flows.
API — full programmatic control for exchanges and bespoke products.
Mobile apps — native iOS and Android apps (4.8 rating) for direct consumer use.

Compliance & trust

Regulated across the UK (FCA), EU and US, with KYC/AML built in.
Trusted by 250+ partners including MetaMask, Ledger, Trust Wallet, Exodus, Brave, Sorare, World and ZenGo.
Rated 4.8 on App Store and Google Play; “Great” on Trustpilot.

Pros & Cons

Pros

Regulated across UK (FCA), EU and US with KYC built in
All-in-one: on-ramp, off-ramp and cross-chain swap in one integration
Drop-in widget, SDK and API for any integration depth
250+ trusted partners including MetaMask, Ledger, Trust Wallet and Brave
4.8 rating on App Store and Google Play; “Great” on Trustpilot
Native iOS and Android apps for direct consumer use
Buy with any currency, swap across any chain, cash out anywhere
No setup or monthly fees for integration
Native off-ramp flow improves selling UX inside apps
New users get 50% off fees on next 2 transactions

Cons

1-2% fees sit at the higher end versus non-regulated on-ramps
KYC required — not suitable for no-KYC use cases
Primarily an on/off-ramp, not a full merchant payment gateway for accepting crypto at checkout
Integration cost/terms vary and require a partnership application
Not a self-custodial payment processor — fiat custody handled by Ramp
High-risk investment warning displayed to end users

Frequently Asked Questions

Is Ramp Network a payment gateway?

Ramp is primarily a fiat on-ramp, off-ramp and cross-chain swap infrastructure for web3 apps, rather than a merchant crypto payment gateway. It lets your users buy, sell and swap crypto inside your product.

Is Ramp Network regulated?

Yes — Ramp is regulated across the UK (FCA), EU and US, with KYC/AML built into the flow.

What does it cost?

End users typically pay 1-2% per transaction plus network fees. Integration is free with no setup or monthly fees; custom commercial terms are available for high-volume partners.

How do I integrate Ramp?

Via a drop-in widget, an SDK for deeper embedding, or a full API. The partnerships team walks you through onboarding after you apply.

Which assets and chains are supported?

50+ cryptocurrencies across major chains including BTC, ETH, USDT, USDC, SOL, MATIC, BNB, TRX, AVAX, DOT, ADA, XRP, LTC and BCH, with cross-chain swap support.

Can users sell crypto back to fiat?

Yes — Ramp offers off-ramp to bank accounts and cards, including a native off-ramp flow that improves the selling UX inside compatible apps.

Ramp Network