Fiat On/Off-Ramp Infrastructure

Banxa's core on-ramp and off-ramp solution enables businesses to provide their users with seamless access to the crypto market. The platform supports a wide range of payment methods and cryptocurrencies, allowing users to buy and sell crypto using local fiat payment options across 150+ countries.

What's Included

The solution covers full-stack on/off ramp processing: fiat payment acceptance, real-time crypto conversion, KYC/AML compliance checks, and settlement back to the partner platform. Banxa handles the regulated side of the transaction — including money transmission licences, KYC identity verification, fraud detection, and payment processing — so the partner only needs to integrate the API or SDK.

Global Payment Acceptance

Banxa aggregates local payment methods across 150+ countries — including bank transfers, debit/credit cards, PayID, iDEAL, and more — into a single integration. Partners gain instant access to localised payment infrastructure that would otherwise require multiple separate integrations and regional licences, reducing cart abandonment through familiar payment method presentation.

FX Conversion

For cross-currency transactions, Banxa provides competitive FX rates with transparent pricing and no hidden conversion fees. The FX infrastructure is optimised for on- and off-ramp use cases and integrated with Banxa's global payment acceptance network, reducing costs for international user bases.

Settlement & Virtual Accounts

Banxa supports rapid and reliable settlement rails with automated reconciliation workflows. Virtual accounts can be generated instantly via API, allowing platform operators to accept fiat deposits and manage payouts per user, merchant, or transaction type — dramatically simplifying reconciliation at scale.

Who Uses This

Crypto exchanges, wallets, DeFi platforms, NFT marketplaces, PSPs, and any Web3 application that needs to let users buy or sell crypto with fiat currency. Trusted by Kraken, KuCoin, MetaMask, Phantom, Trust Wallet, Bitget Wallet, and Bitcoin.com. Banxa holds 45+ global regulatory licences including MiCA authorisation in the EU and 37 US state money transmitter licences, and processes over $10 billion annually.