Best on-ramps in United States
Editorial intro
On-ramps inside US wallets and dApps trade convenience for cost. A $500 purchase routed through MoonPay or Ramp will cost 4–5% all-in on a debit card, while the same purchase via Coinbase ACH costs nothing. The right pick depends on whether you're funding an exchange, a self-custody wallet, or a dApp — and whether you can wait 1–3 days for a bank transfer. Our top US picks balance speed, fee ceiling, and country coverage at the median $500 ticket.
Top picks in United States
2 testedMoonPay
Best overallFiat-to-crypto on-ramp integrated into 500+ apps and wallets
Embedded in MetaMask, Trust Wallet, Phantom — fastest path to a US-funded self-custody wallet.
3.8/5Ramp Network
Best for low feesCompliance-first on-ramp with open-banking pricing
Open-banking equivalent (Plaid ACH) drops effective fees below 2% for US bank transfers.
4.1/5
United States eligibility & rails
- ID requirement
- Photo ID + selfie required above $150 single purchase
- Card vs ACH
- Debit card: instant + 3–5% fee. ACH: 1–3 day settle + sub-2% fee.
- Restricted states
- New York, Hawaii partially restricted on certain providers.
Legal & tax disclaimer · United States
On-ramps are MSB-registered with FinCEN and may impose state-by-state restrictions. KYC at $150+ is standard. Skrumble is not a US-registered broker.