MoonPay Ramps & Fiat Conversion Infrastructure

MoonPay provides enterprise-grade fiat on-ramp and off-ramp infrastructure, enabling businesses to convert between fiat currencies and cryptocurrencies across their entire product stack — from consumer-facing wallets and exchanges through to AI agent workflows and stablecoin treasury operations.

Product Overview

The core Ramps product delivers a combined fiat-to-crypto on-ramp and crypto-to-fiat off-ramp through a single integration available as a widget, SDK, or REST API. Businesses can embed MoonPay Ramps to let users buy 170+ cryptocurrencies using credit and debit cards, Apple Pay, Google Pay, PayPal, Venmo, and bank transfers, with near-instant delivery to any wallet. The off-ramp enables users to sell crypto and receive fiat payouts via fast bank transfers or card payouts across 40+ regions. MoonPay handles payment processing, FX conversion, KYC/AML, fraud prevention, and regulatory compliance — no in-house compliance stack required.

Key Features

• Ramps API supporting 160+ countries and 100+ payment methods including local payment rails
• Virtual Accounts (powered by Iron) provisioning dedicated named fiat bank accounts in USD, EUR, and GBP with seamless conversion to USDC and EURC
• Stablecoin infrastructure fiat rails purpose-built for treasury, payroll, settlement, and cross-border payout workflows
• Revenue sharing on transaction fees for B2B partners
• Brand-customisable widget and white-label integration options deployable in days

Use Cases

MoonPay Ramps is used by wallets, exchanges, gaming platforms, fintech apps, and enterprise payment providers including Ledger, Phantom, Bitcoin.com, and Mastercard. Partners integrate once to offer users a complete fiat-to-crypto-to-fiat experience without building compliance infrastructure. Licensed in all 50 US states (including NY BitLicense), EU (MiCA), UK, Canada, and Australia, with SOC 2, PCI DSS, and ISO 27001 certifications.