How we score crypto on-ramps

From the provider's own legal pages and from regulators. Pricing disclosures set the fees, terms of use set holding periods and limits, help-centre pages list countries and payment methods, and registers confirm licences. Court records and regulator notices cover incidents and disputes.

Published figures need careful reading. MoonPay's US pricing disclosure, for example, gives fee ceilings (up to 4.5% on a direct order) and minimum fees rather than a typical cost, and the spread sits inside the quoted price. So the MoonPay review calls those figures maximums and says the spread and network fee come on top.

Other review sites, affiliate blogs and social posts are never evidence. A claim that only appears there does not appear in our review, and company marketing numbers such as user counts are attributed to the company.

Since October 2026, through four checks, in this order. An on-ramp review that fails any of them does not ship.

1. Claim ledger. Every factual statement (fees, dates, licences, incidents, user numbers) goes into a table with its current value, the source URL, the publisher, the source's own date and the date we opened it. We cut any claim that has no fetched source.
2. Adversarial challenge. A separate second pass re-opens the sources for every high-stakes item (money, licences, incidents, lawsuits) plus a random 30% of the rest. Where the two passes disagree, the challenge wins.
3. Sentence-level QA. On the finished draft, every sentence that states a fact must map to a ledger row or a fetched source. We fix or delete any sentence that does not map.
4. 100-point audit. The audit scores the finished page out of 100 on content quality, search optimisation, sourcing and expertise signals, technical structure and how easily search and AI tools can cite it. Below 75, the page does not ship. The target is 85.

What does a catch look like?

For the MoonPay review, the first pass found a Florida copyright lawsuit against MoonPay but could not establish its status. The challenge pass pulled the court docket and found the order granting MoonPay summary judgment, dated 13 July 2026, and a notice of appeal filed on 12 August 2026. The review reports both, instead of a case with no known outcome.

All four on-ramp reviews were re-researched on October 17, 2026 under the four-check process set out on this page. The methodology overview explains how the two versions of the process differ.

No. Skrumble does not create accounts, pass identity checks or complete purchases with the on-ramps it reviews. Every review is desk research; the reviews dated October 2026 list their sources with dates.

That means a score cannot tell you how long your own verification will take or whether your bank will block a card payment. It tells you what the provider publishes about fees, speed, coverage and checks, how that compares across the on-ramps we cover, and what the documents leave unsaid. Where a provider shows live quotes publicly, the research may read them; a quote is a price at one moment, so the review dates it.

Our target is at least every six months. Each on-ramp review shows the date it was last updated, and the table above repeats it. These events trigger an earlier check:

• a change to the pricing disclosure or minimum fees
• a new or withdrawn licence or registration
• countries or US states added or dropped
• a lawsuit, ruling or regulator penalty
• a change of ownership

Tell us through the contact page, with the claim and the source that contradicts it. We re-open the primary source. If the review is wrong, we correct it, re-check any pillar score the fact feeds, move the review's updated date and record the change and its source in the research file.

A corrected fact does not always move a score, because each pillar is set relative to the other on-ramps we cover. When a score does change, this page's table changes too, since both read the same data.

No. The overall score is calculated from the five pillar scores and nothing else, so commission terms have no way into it. Today none of the four on-ramp reviews links out with a referral code. The Visit buttons open the providers' own websites.

If a review ever links out through a partner link, Skrumble can earn a commission on your purchase, and the Visit buttons on reviews are marked as sponsored links. No provider approves a review before it is published. The full disclosure is on how we make money.