11 on/off-ramp APIs compared, from BlindPay and BVNK to MoonPay, Transak, Coinbase, Stripe, and Onramper, on quote locks, rails, custody, and limits.
The best on/off-ramp API with live quotes depends on who moves the money. For businesses paying out to local bank rails, BlindPay fits best: quotes lock the rate and fee, then payouts run over Pix, SPEI, ACH, SEPA, Faster Payments, and SWIFT (POBO/COBO). For consumer crypto checkout, MoonPay, Transak, Ramp Network, Banxa, Coinbase, and Stripe lead.
This guide compares 11 providers on six criteria, using public documentation as of October 2026. Where a provider has a direct comparison page, that page is linked instead of restating it. For the economics behind every quote, see how on/off-ramp providers make money.
Key takeaways
On six criteria, in this order:
Claims come from each provider's own docs, linked inline. If a doc didn't state something, the table says so.
| Provider | Best for | Quote model | Custody | Notable limits |
|---|---|---|---|---|
| BlindPay | Business payouts and collections on local rails | Locks rate and fees; 5-minute expiry (10 seconds for BRL OTC payins) | Non-custodial for payouts from customer-controlled wallets; optional managed wallets (beta) are custodial | Per-currency minimums enforced by the quote |
| BVNK | Enterprise account for fiat and stablecoin balances | See BlindPay vs BVNK | Provider custody of balances | Negotiated pricing, monthly volume target |
| Bridge | Stablecoin platform with transfers and liquidation addresses | Estimate, updated about every 30 seconds; no rate lock | See BlindPay vs Bridge | Pix and SPEI access via sales and endorsements |
| Ramp Network | Consumer buy and sell inside dApps | Per-method quotes; no lock period stated | Not stated in docs reviewed | Production key with off-ramp enabled |
| Transak | Consumer ramps with many integration shapes | Temporary price, refreshed every minute | Not stated in docs reviewed | Production keys require KYB |
| MoonPay | Consumer buy and sell, merchant of record | Buy quote with an expiry field | Merchant of record | Off-ramp deposit must arrive within 48 hours |
| Coinbase | Apps whose users hold Coinbase accounts | Session tokens expire after 5 minutes | Offramp users send crypto to a Coinbase-managed address | Headless Onramp US-only, cards, up to $2.5K weekly |
| Stripe | Businesses on Stripe adding a crypto onramp | Not stated on the overview | Merchant of record | Application required; hosted option in public preview |
| Zero Hash | Embedding crypto under Zero Hash's licenses | See BlindPay vs Zero Hash | Custody under Zero Hash's licenses | Built for banks, brokerages, fintechs |
| Banxa | Consumer ramps with hosted or headless KYC | Not stated in docs reviewed | Not stated in docs reviewed | Native API means you own KYC |
| Onramper | Aggregating consumer on-ramps | Quotes from all available providers | Depends on the chosen provider | Each order runs on that provider's terms |
Sources: MoonPay buy quote, Transak quote, Ramp Network REST API v3, Coinbase Onramp, Stripe onramp, and Bridge exchange rates, reviewed in October 2026.
Because it scores on every criterion for the job of paying people.
Quote lock. A payout quote locks the exchange rate and fee split for a specific bank account and expires 5 minutes after creation, or sooner on SEPA and Faster Payments (payout quotes). Payin quotes work the same way, with 10 seconds for BRL OTC quotes.
Rails. Send: ACH, domestic wire, RTP, SWIFT (POBO/COBO) with UETR tracking and MT103 confirmations, Pix, PIX Safe, TED, SPEI, ACH Colombia, Transfers 3.0, SEPA, and Faster Payments. Receive: ACH, ACH pull, wire, RTP, SWIFT, Pix, TED, SPEI, PSE, and Transfers 3.0 (payment methods). Virtual accounts now cover the US, Mexico over SPEI CLABE, and Colombia over Bre-B.
Pricing. A monthly plan plus per-transaction fees that vary by rail and network, disclosed in the live quote before execute.
Custody. BlindPay operates as a non-custodial payment processor for payout flows from customer-controlled wallets: you authorize the exact amount and BlindPay executes that single transaction. Optional managed wallets (beta) are custodial when you choose that path.
Compliance and developer surfaces. KYC and KYB run inside the API. There is a REST API with an OpenAPI 3.1 spec, official SDKs for Node.js, Python, Go, PHP, and Swift, an MCP server and Agent Skills for AI agents, and a development instance with test stablecoins.
They are broader infrastructure, each for a different buyer.
They fit apps where the end user is the buyer or seller.
MoonPay, Transak, Ramp Network, Banxa, Coinbase, and Stripe each run their own KYC flow or let you own it, and sell crypto with cards, bank transfers, and wallets. MoonPay vs Transak vs Ramp Network compares them in detail, Banxa and Paybis included.
Onramper sits on top. It returns "price quotes from all available providers" and ranks them on success rates, payout and fees, KYC friction, and returning users. On-ramp aggregators vs a direct ramp API covers when that helps.
Illustrative example, with invented rates and fees. A business pays 10,000 USDC to a supplier in Mexico.
| Locked quote | Refreshing quote | |
|---|---|---|
| Rate shown, after fees | 18.40 MXN per USDC | 18.45 MXN per USDC |
| Rate at settlement | 18.40 (locked) | 18.38 (latest at that moment) |
| Supplier receives | MX$ 184,000 | MX$ 183,800 |
| Matches what you showed | Yes | No, MX$ 700 below the MX$ 184,500 shown |
The refreshing quote looked better and delivered less. Compare providers on the settled amount, measured at the same minute.
Start from the job:
Pick your top two providers for your main corridor and request a quote from each in the same minute. Compare what the recipient would receive, and whether that number is locked. On BlindPay, the payout quotes docs show the request on a development instance.
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