MoonPay Reseña

Is MoonPay worth using? The short answer

MoonPay is a legitimate, heavily licensed way to buy crypto with a card or bank transfer and have it land in a wallet you control. It is also one of the more expensive ways to do it, and the price depends on where you buy. On 17 October 2026 MoonPay's own buy widget quoted $500 of bitcoin by card at about 9.7% all-in: a 4.5% fee, a $6.85 network fee and a rate about 4.5% above the market price. In MetaMask's quote list the same afternoon, MoonPay's quote for the same order came to about 4.4%.

This MoonPay review checks its licences on the regulators' own registers where they are public, lists the fines, lawsuits and security incidents that matter to users, and explains where readers actually lose money: fees they did not notice, scammers who use MoonPay as the payment step, and orders that cannot be reversed once the crypto is delivered.

• Who runs it: MoonPay, a private company launched in 2019 and headquartered in New York.
• Regulation: registered with FinCEN and licensed as a money transmitter in most US states, including New York (BitLicense); registered with the FCA in the UK for anti-money-laundering purposes; MiCA-authorised in the EU.
• Cost: MoonPay's own fee is up to 4.5% by card, Apple Pay, Google Pay or PayPal, and up to 1% by bank transfer in the EEA (MoonPay advertises "as low as 1%" for US bank transfers). A network fee and a spread in the price come on top. On its own widget on 17 October 2026, $500 of bitcoin by card came to about 9.7% all-in, and €500 or £500 by bank transfer to about 6.3%; in MetaMask's quote list, about 4.4% and 2.6%. MoonPay's pricing disclosure says paying from a MoonPay Balance carries no MoonPay fee.
• Biggest catch: completed orders are final. MoonPay's European and UK terms say it will not refund an order even if you were scammed.

What is MoonPay, and who owns it?

MoonPay is a fiat-to-crypto on-ramp: you pay in dollars, pounds or euros and it sends crypto to a wallet address you choose. You can use it on moonpay.com and in the MoonPay app, or inside a partner app such as Trust Wallet, Ledger or Exodus, where MoonPay is one of the providers behind the "Buy" button. It also runs the reverse trip, buying crypto back from you and paying out to a bank account, card, PayPal or Venmo.

Ivan Soto-Wright and Victor Faramond launched the company in March 2019, and Soto-Wright is still chief executive. Its US headquarters has been in New York since April 2025. It is privately held.

Its last confirmed equity round was a $555 million Series A in November 2021, co-led by Tiger Global and Coatue, which valued it at $3.4 billion. About $150 million of that was reportedly a sale of shares by insiders, including the CEO, rather than new money for the company. In December 2025 Bloomberg reported that Intercontinental Exchange, the owner of the New York Stock Exchange, was in talks to invest in a round targeting a valuation of about $5 billion. Neither company has confirmed a deal.

Since 2025 MoonPay has bought its way into payments and trading. It acquired the Solana checkout firm Helio in January 2025 (reportedly for $175 million), then stablecoin firm Iron and payments company Meso the same year. In 2026 it added the key-management firm Sodot, DFlow (reportedly $100 million in stock), Dawn Labs, Decent, Entendre and Glide, and it signed an agreement to buy the broker-dealer North Capital that still needs regulatory approval. Caroline Pham, a former acting chair of the US Commodity Futures Trading Commission, is its chief legal and administrative officer, and Anne Giviskos was named chief financial officer on 13 October 2026.

The scale numbers come from MoonPay itself, and its own pages do not always agree. Its buy page claims more than 35 million accounts created and 300+ partners, while its business page says its ramps power "500+ companies". Its help center claims 160+ countries, and the buy page claims 100+ cryptocurrencies. Treat all of these as company claims. When we queried MoonPay's public currency list on 16 October 2026, it returned 90 active crypto entries across 43 networks. Every fee and licence figure in this MoonPay review comes from MoonPay's own disclosures or a regulator's register, checked in October 2026.

Is MoonPay safe?

As a company, yes: MoonPay holds a licence or registration in each of its main markets, and as of October 2026 we found no confirmed breach of customer accounts or funds. It does have a record of regulatory penalties and one serious software incident, all listed below. MoonPay is not a bank, though, and the money you leave with it has less protection than a bank deposit.

Which licences does MoonPay hold?

We checked each registration below on the regulator's own register on 16 and 17 October 2026. The exception is US state licences: the national NMLS lookup blocks automated access, so that row relies on MoonPay's own licences page.

Two details matter more than the length of the list. First, the EU authorisation covers exchanging and transferring crypto but not custody: on the ESMA register MoonPay Europe was one of the first four firms authorised under MiCA, on 30 December 2024, and it is not authorised to hold crypto for clients.

Second, MoonPay's own licences page is out of date in places. It prints the UK reference as 944746, while the FCA register shows 944716, and it still lists a Canadian registration for MoonPay USA LLC that FINTRAC shows as expired on 31 March 2026. Neither is a sign of trouble, but if you check MoonPay yourself, use the regulators' registers. We could not confirm MoonPay's licence status in California when we checked.

Has MoonPay been hacked, fined or sued?

MoonPay has been penalised twice, refused one licence and named in two lawsuits worth knowing about. The only security incident we found that hurt users came through its software, in 2020.

Only the 2020 Trinity attack cost users money: those were Trinity wallet users hit through MoonPay's code, and no source shows that MoonPay customer accounts were breached. The FINTRAC case is the one to weigh. The regulator reviewed 261 transactions that a MoonPay subsidiary had declined, most because the wallets involved were linked to darknet markets, sanctioned entities or child sexual abuse material, and found four that should have been reported as suspicious but were not. Declining them was the right call; not reporting them was a compliance failure.

How does MoonPay protect your data?

MoonPay says it holds SOC 2 Type 2 and ISO/IEC 27001:2022 certifications, is PCI DSS Level 1 validated, and encrypts data with TLS 1.2+ in transit and AES-256 at rest (MoonPay security page). It renewed the SOC 2 report in August 2026. It runs a public HackerOne bug bounty that pays up to $20,000 for critical findings. These are company statements, and the auditors are not named. Its privacy policy says the identity-verification vendor, not MoonPay, processes the facial biometrics from your selfie.

Is your money protected if MoonPay fails?

Less than you might assume. Crypto you buy goes straight to your own wallet, so MoonPay never holds it, and that is the main protection.

Money sitting in a MoonPay Balance is different. In the US it is held at FDIC-insured banks but, under MoonPay's US terms, it is not eligible for FDIC pass-through insurance. In the UK, the terms say Balance top-ups "will not be safeguarded", and the FCA register notes that customers have no Financial Ombudsman or FSCS cover. In the EEA, MoonPay's European terms say Balance money is kept in a bank account owned by a separate Dutch foundation, which De Nederlandsche Bank's register names as Stichting Custodian MoonPay Europe. That keeps the money apart from MoonPay's own assets, but it is not a deposit guarantee. Keep only what you are about to spend in the Balance.

Is MoonPay legit?

Yes. MoonPay is a real, regulated company, not a scam. Being legit does not mean every transaction through MoonPay is safe. Scammers use legitimate payment rails because the money is real and the transfer is final.

User ratings are high in the app stores and mixed elsewhere. When we checked on 16 October 2026, the MoonPay app scored 4.6 out of 5 from about 10,200 ratings on the US App Store and 4.6 from about 15,000 ratings on Google Play. Trustpilot showed a TrustScore of 4.1 from more than 115,000 reviews, 13% of them one-star. The Better Business Bureau rated it A-, not accredited, with 160 complaints in three years. These are user ratings, plus the BBB's own grade, not evidence of safety.

Is MoonPay legal in the US?

Yes. MoonPay USA LLC is registered with FinCEN as a money services business and holds state money transmitter licences, including a New York BitLicense. MoonPay's own figures range from 44 states on its licences page and "47 U.S. states" on its business page to "all 50" in a 2026 announcement. Some features vary by state. MoonPay caps purchases by Maine residents at $2,999 per transaction, and New York residents must complete full verification before their first order. Selling or cashing out may be unavailable in some states: MoonPay's own documents name Texas, Louisiana, New York and the US Virgin Islands at different points, so check the app before you buy something you plan to sell.

What fees does MoonPay charge?

MoonPay charges a fee that depends on how you pay, a network fee for sending the crypto, and a spread built into the exchange rate. Partner apps can add their own fee on top. The MoonPay fee has a published ceiling, and in the EEA so does the partner fee; the network fee and the spread do not. The ceilings below come from MoonPay's US pricing disclosure and European pricing disclosure.

At the published ceilings, a $500 card purchase carries a maximum MoonPay fee of $22.50. In the EEA, a €500 bank transfer carries at most €5, the 1% ceiling in MoonPay's European disclosure. In the US, MoonPay advertises bank transfers "as low as 1%" (about $5 on $500), but its US disclosure only caps direct orders at 4.5%. MoonPay's pricing disclosure says a purchase paid from a MoonPay Balance carries no MoonPay fee. The network fee and the spread come on top in every case. MoonPay publishes no worked quote of its own, so we asked its widget for some.

The minimum fee changes the picture for small orders. On a $50 card purchase, 4.5% would be $2.25, but a minimum fee of up to $3.99 can apply to small orders instead, so the fee can reach about 8% of the order, and about 9% if a partner app charges its minimum of up to $4.50.

What did MoonPay cost when we priced it?

On 17 October 2026 we asked MoonPay's own buy widget, through the public quote service it uses, for $500, €500 and £500 purchases without signing in, and compared the crypto offered with CoinGecko and Coinbase prices at the same minute. MoonPay placed our connection in Cyprus, so these are prices in each currency for a buyer outside the US and UK; what residents see, and what partner apps charge, can differ.

On a card purchase the fee line and the rate markup were each about 4% to 4.5% of the order, and the bitcoin network fee added more than 1%. Apple Pay, Google Pay and PayPal priced the same as a card. The ACH and bank-transfer fees in the table are what our quotes showed: MoonPay's US disclosure only says "up to 4.5%", and its European disclosure caps bank transfers at 1%. Quotes taken several times between 15:26 and 16:32 UTC gave the same figures within about 0.1 points.

Is MoonPay cheaper inside a wallet app?

It was inside MetaMask. MetaMask's quote list, the service its extension and apps use to show each provider's offer, showed MoonPay at about 4.4% all-in for the same $500 of bitcoin by card that afternoon. The rate was within about 0.6% of market and the bitcoin network fee was $1.32 instead of $6.85. These are MetaMask's quotes, not checkout prices: we could not open MetaMask's checkout without signing in.

Other providers in the same list priced differently again: our Ramp Network review records MetaMask quotes of about 0.5% for orders below about €1,000. Compare the crypto amount on every quote your wallet shows before you pick MoonPay.

Why are MoonPay fees so high?

Card payments can be disputed after the crypto has already left, and MoonPay's terms let it chase those chargeback losses. Its pricing disclosures also list fraud prevention, blockchain analysis and transaction monitoring among the costs its fee covers. The fee is also only part of the price. The spread is invisible on the quote screen, and when you buy inside a wallet app, the app can add its own fee. Compare the total amount of crypto you receive, not the fee line.

How can you pay less on MoonPay?

• Pay by bank transfer where you can: in the EEA the fee falls from up to 4.5% to up to 1%, and MoonPay advertises "as low as 1%" in the US. In our €500 bitcoin quotes the all-in cost fell from about 9.4% by card to about 6.3% by SEPA.
• Top up a MoonPay Balance by bank and buy from it, which MoonPay says carries no MoonPay fee. In the UK and 13 EEA countries you can top up by open banking; an EEA top-up fee may apply and is shown before you confirm.
• Avoid tiny orders: a minimum fee of up to $3.99 can apply, and at that level it costs more than 4.5% on any order under about $89. MoonPay does not publish the exact threshold.
• Compare the quote inside your wallet app with moonpay.com. Partner apps can add fees, but on 17 October 2026 MetaMask's quote list showed MoonPay at about 4.4% for $500 of bitcoin by card, against about 9.7% on MoonPay's own widget.
• For larger or regular purchases, compare an exchange account. Our on-ramp cost tool compares providers side by side.

What does MoonPay need from you? KYC, SSN and limits

Expect to verify your identity before most purchases. MoonPay's verification tiers differ by region. In the US, the first standard tier asks for basic details, a phone number and your Social Security number, and higher tiers add a photo ID check, a questionnaire about your income and source of funds, and then enhanced due diligence. UK and EEA customers start at the ID-check tier, so they need a passport, national ID or driving licence from the first purchase, and they must also give a tax identification number and tax residence. Without that number, MoonPay's help center says, you cannot start new buys or sells.

Verification is often automatic and takes a few minutes, though a first card purchase can take a few hours because of extra checks. In September 2026 MoonPay added Express Checkout (US and Canada) and Guest Checkout (US) in some partner apps. Both let eligible users buy up to $750 a week with basic details only and defer the ID check; Guest Checkout still asks for an email and phone number each time. Neither is available in New York.

MoonPay does not publish its limits. Your cap depends on your verification level and where you live, support staff cannot raise it by hand, and raising it means answering a survey and uploading proof of income (account limits FAQ). Most purchases start at about $20, €20 or £20, and the exact minimum is shown at checkout.

Is it safe to give MoonPay your SSN?

Giving your SSN to MoonPay is normal for a US money transmitter, and it is required: MoonPay says it needs Social Security numbers for US customers to meet KYC and anti-money-laundering rules, and it does not accept an ITIN instead (MoonPay help center). The risk is giving it to someone pretending to be MoonPay. Enter it only inside the verification flow on moonpay.com, in the MoonPay app or in a partner checkout you opened yourself, and never send it by email or chat. As of October 2026, we found no confirmed breach of MoonPay customer data.

Can you get your money back from MoonPay?

Only if the order never completed. Once MoonPay delivers the crypto, the order is final. MoonPay's European terms say "All Orders are final and cannot be refunded" and that it will not issue refunds "regardless of reason including whether you were the victim of fraud, mistake or loss of private key(s)". The UK terms use almost the same words. The US terms say: "You may not cancel, reverse or change any order once it has been submitted."

• Failed or declined card order: you are not charged. Your bank releases any authorisation hold on your card, usually within 10 business days.
• Bank transfer sent but no crypto delivered yet: ask support in chat to cancel and refund it (transactions FAQ). If no transfer arrives, MoonPay cancels the order automatically within about a week.
• Rejected by MoonPay's checks: you are not charged, but MoonPay can hold an order for up to seven business days while it reviews it.
• Crypto sent to a scammer or a wrong address: MoonPay says it cannot refund or recover it. Report it to the police and ask your bank about dispute options.

Be careful with chargebacks. Under its European and UK terms, MoonPay reserves the right to pursue losses from a chargeback, including the value of the crypto it delivered, and in the US it can recover reversed amounts from your Balance or other linked payment methods. If someone else used your card without permission, call your bank, which is the party that can block the card and dispute the charge.

How do you get your money out of MoonPay?

You sell crypto back to MoonPay and pick where the money goes. You start a sell order, choose the asset and payout method, and MoonPay gives you a one-time deposit address. Send the crypto there within seven days (some partner apps allow only 48 hours) and MoonPay pays out once it arrives (how to sell with MoonPay). Minimums apply per asset, such as 0.0015 BTC or 15 USDC. Send on the right network: crypto sent on the wrong one cannot be recovered.

UK and EU sellers must cash out to a bank account MoonPay has verified, and MoonPay does not accept Wise or C24 accounts. Canadian customers can buy but cannot sell through MoonPay.

Which scams involve MoonPay, and how do you avoid them?

The common pattern is that MoonPay works as designed and a scammer controls the destination wallet. Losses are large: the FBI's 2025 Internet Crime Report counted 181,565 complaints with a cryptocurrency link and $11.366 billion in losses, up 22% on 2024. Because MoonPay cannot reverse a completed order, the defence is to spot these before you pay.

• Fake support calls. Someone claiming to be from PayPal, Venmo, Revolut, your bank or MoonPay says your account is compromised, gets you to install remote-access software, and tells you to buy crypto to "reverse" the fraud. MoonPay's guidance is blunt: real payment companies never ask you to buy crypto.
• Phishing emails and lookalike sites. Fake alerts about logins, phone changes or transactions push you to a copy of the MoonPay site. MoonPay only sends mail from @moonpay.com and @mail.moonpay.com and never asks for passwords, one-time codes or recovery phrases (MoonPay phishing guide).
• Romance and investment scams. A new online contact or "broker" walks you through buying crypto and sending it to a trading platform that shows fake profits, then demands fees to withdraw. MoonPay is not affiliated with any broker.
• Recovery scams. After a loss, a firm promises to get your crypto back for an upfront fee. These are often the same people.

The FTC's rule of thumb covers most of this: only scammers demand payment in cryptocurrency, and only scammers guarantee returns. If anyone tells you which wallet address to send your MoonPay purchase to, stop.

Does MoonPay have a customer service phone number?

For US customers, yes. MoonPay's US terms list 888-651-0727, Monday to Friday, 9am to 5pm Eastern, for issues such as a compromised account or a mistaken order. Everyone else uses the chat on the MoonPay Help Center. The Google Play listing advertises 24/7 support, but the US terms give the phone hours above. MoonPay also says its staff will never contact you by phone, social media or messaging apps (how to stay safe). So treat any other "MoonPay support number" from a search ad, a forum or a social media reply as a scam, and treat any call that claims to be from MoonPay the same way.

Where can you use MoonPay?

MoonPay works in most of the US, the UK, the EU, Canada and Australia, and claims coverage of 160+ countries in total. Rules differ by market. UK customers onboarded since January 2024 go through an FCA appropriateness test and a 24-hour cooling-off period before their first purchase (MoonPay UK rules). Canadians can pay by Interac e-Transfer but cannot buy stablecoins or sell. In the US, the state notes in the legality section above apply. See our best on-ramps in the US and UK pages for local alternatives.

Many people meet MoonPay inside a wallet rather than on its website. Current integrations we confirmed on the wallets' own pages or in MoonPay's announcements include Trust Wallet, Ledger, Phantom (named as a deposit provider in Phantom's help center), Exodus (where selling runs only through MoonPay, per Exodus support), Uniswap and Bitcoin.com. In MetaMask, MoonPay is one of about 16 US buy providers on MetaMask's list, while Transak powers the separate Deposit button. MoonPay ended its NFT Checkout product on 1 May 2026.

What are the best MoonPay alternatives?

The right alternative depends on why you are using MoonPay. If you want the same in-wallet card checkout, other on-ramps compete on the same model. If you want a lower cost and do not mind opening an account, an exchange is the usual route.

• Transak powers MetaMask's Deposit button and sells crypto through partner wallets in the same way.
• Ramp Network and Banxa are two more on-ramps that sell crypto through partner wallets and apps. Compare their bank-transfer pricing with MoonPay's before a larger purchase.
• An exchange account such as Coinbase or Kraken makes sense if you buy regularly, want order types and staking, or want to cash out to the same bank account each time.

Every on-ramp shows fees differently, so compare the amount of crypto each one delivers for the same spend. Our on-ramp hub and scoring method explain how we rank them.

Should you use MoonPay?

Use MoonPay if you want to put a few hundred dollars of crypto straight into your own wallet by card or Apple Pay, without opening an exchange account, and you accept paying more for that convenience. It holds a licence or registration in each of its main markets, the crypto never sits with MoonPay, and US users get a phone line as well as chat.

Look elsewhere if you buy large amounts or buy often, because on MoonPay's own widget the card fee, the spread and the network fee came to about 9.7% of a $500 bitcoin purchase in our quotes, and the minimum fee weighs heavily on small orders. And if anyone, at any point, tells you to buy through MoonPay and send the crypto to an address they gave you, treat it as a scam: MoonPay will not be able to give that money back.

Sources

All sources accessed 16 or 17 October 2026.

1. AFM, register of crypto-asset service providers (MoonPay Europe B.V., 41000002): https://www.afm.nl/~/profmedia/files/registers/register-cryptopartijen.xlsx
2. ESMA, interim MiCA register of crypto-asset service providers: https://www.esma.europa.eu/sites/default/files/2024-12/CASPS.csv
3. De Nederlandsche Bank, public register (MoonPay Europe B.V., R198281): https://www.dnb.nl/en-GB/registerdownloadcomplete/TheNetherlands/csv
4. FCA Financial Services Register, MoonPay (UK) Limited, FRN 944716: https://register.fca.org.uk/s/firm?id=0014G00002bpd05QAA
5. AUSTRAC, virtual asset service provider register (MoonPay AUS Pty Ltd): https://online.apps.austrac.gov.au/vaspr
6. De Nederlandsche Bank, register entry for MoonPay Europe B.V. and Stichting Custodian MoonPay Europe: https://www.dnb.nl/en/public-register/information-detail/?registerCode=WFTEG&relationNumber=R198281
7. FinCEN, MSB registration for MoonPay USA LLC: https://msb.fincen.gov/msb.registration.letter.php?ID=29852904
8. NYDFS, regulated virtual currency businesses: https://www.dfs.ny.gov/apps_and_licensing/virtual_currency_businesses
9. MoonPay, licences: https://www.moonpay.com/legal/licenses
10. FINTRAC, MSB registry: https://fintrac-canafe.canada.ca/msb-esm/reg-eng.csv
11. FINTRAC, administrative monetary penalty, MP Technology Services Ltd. (2025-12-18): https://fintrac-canafe.canada.ca/pen/amps/pen-2025-12-18-eng
12. Texas Department of Banking, Consent Order 2024-031 (2024-12-12): https://www.dob.texas.gov/sites/default/files/files/Laws-Regulations/orders/2024-031.pdf
13. MFSA, regulatory action against Moon Pay Limited (2021): https://www.mfsa.mt/publication/regulatory-action-against-moonpay-limited-the-company/
14. MoonPay, Texas money transmitter licence (2024-12-20): https://www.moonpay.com/newsroom/texas
15. US District Court, S.D. Fla., United King Film Distribution (1990) Ltd v. MoonPay USA LLC, summary judgment order (2026-07-13): https://storage.courtlistener.com/recap/gov.uscourts.flsd.680719/gov.uscourts.flsd.680719.132.0.pdf
16. Decrypt, IOTA founder pledges to compensate Trinity victims (2020-03-07): https://decrypt.co/21683/iota-hack-compensation-founder-david-sonstebo-discord
17. IOTA Foundation, Trinity attack incident summary (2020-02-21): https://blog.iota.org/trinity-attack-incident-part-1-summary-and-next-steps-8c7ccc4d81e8/
18. US District Court, C.D. Cal., Real v. Yuga Labs, order of 2025-09-30: https://www.consumerfinancialserviceslawmonitor.com/wp-content/uploads/sites/880/2025/10/Real-v.-Yuga-Labs-321-015-820.pdf
19. MoonPay, founders' origin story: https://www.moonpay.com/newsroom/moonpay-founders-origin-story
20. MoonPay, New York office (2025-04-23): https://www.moonpay.com/newsroom/nyc-office
21. Decrypt, MoonPay $555M Series A at $3.4B (2021-11-22): https://decrypt.co/86583/crypto-firm-moonpay-hits-3-4b-valuation-latest-raise-led-tiger-global
22. The Block, MoonPay insiders sold about $150M in the Series A (2023-05-30): https://www.theblock.co/post/232592/moonpay-insiders-pocket-150-million-the-information
23. Bloomberg News via Bloomberg Law, ICE talks (2025-12-18): https://news.bloomberglaw.com/banking-law/nyse-owner-is-said-in-talks-to-invest-in-crypto-firm-moonpay
24. The Block, MoonPay acquires Helio (2025-01-13): https://www.theblock.co/post/334269/moonpay-acquires-premiere-solana-payment-firm-helio-in-175-million-deal
25. Fortune, MoonPay acquires DFlow (2026-05-05): https://fortune.com/2026/05/05/moonpay-acquires-solana-100m-all-stock/
26. MoonPay, MoonPay Institutional (2026-04-28): https://www.moonpay.com/newsroom/moonpay-institutional
27. MoonPay, Anne Giviskos named CFO (2026-10-13): https://www.moonpay.com/newsroom/anne-giviskos-cfo
28. MoonPay, buy page: https://www.moonpay.com/buy
29. MoonPay, security: https://www.moonpay.com/security
30. HackerOne, MoonPay bug bounty: https://hackerone.com/moonpay
31. MoonPay, US Terms of Use (effective 2026-08-06): https://www.moonpay.com/legal/terms_of_use_usa
32. MoonPay, Europe Terms of Use (updated 2026-10-05): https://www.moonpay.com/legal/terms_of_use_europe
33. MoonPay, UK Terms of Use (updated 2026-09-06): https://www.moonpay.com/legal/terms_of_use_uk
34. MoonPay, US pricing disclosure: https://www.moonpay.com/legal/pricing_disclosure
35. MoonPay, Europe pricing disclosure: https://www.moonpay.com/legal/europe_pricing_disclosure
36. MoonPay, buy quote from its own widget (our quotes, 17 October 2026): https://api.moonpay.com/v3/currencies/btc/buy_quote
37. MetaMask, on-ramp quote service (MetaMask's quotes, 17 October 2026): https://on-ramp.api.cx.metamask.io/providers/all/quote
38. CoinGecko, simple price API (reference prices): https://api.coingecko.com/api/v3/simple/price
39. Coinbase, spot price API (reference prices): https://api.coinbase.com/v2/prices/BTC-USD/spot
40. MoonPay, verification tiers: https://dev.moonpay.com/platform/guides/verification-tiers
41. MoonPay Help Center, tax identification number and tax residency: https://support.moonpay.com/en/articles/682153-why-moonpay-asks-for-your-tax-identification-number-tin-and-tax-residency
42. MoonPay Help Center, SSN validation: https://support.moonpay.com/en/articles/494558-how-do-i-resolve-ssn-validation-issues-during-moonpay-verification
43. MoonPay Help Center, account limits FAQ: https://support.moonpay.com/en/articles/384264-account-limits-faq
44. MoonPay, Guest Checkout and Express Checkout (2026-09-18): https://www.moonpay.com/newsroom/guest-checkout-express-checkout
45. MoonPay Help Center, how to sell crypto: https://support.moonpay.com/en/articles/384277-how-do-i-sell-cryptocurrency-with-moonpay
46. MoonPay Help Center, how to contact support: https://support.moonpay.com/en/articles/381771-how-do-i-contact-moonpay-support
47. MoonPay Help Center, how to stay safe: https://support.moonpay.com/en/articles/380507-how-to-stay-safe-when-using-cryptocurrency
48. MoonPay Help Center, fake PayPal, Venmo, Revolut and bank support scams: https://support.moonpay.com/en/articles/597916-how-to-protect-yourself-from-fake-paypal-venmo-revolut-and-bank-support-scams
49. MoonPay Help Center, phishing attempts: https://support.moonpay.com/en/articles/852274-what-should-i-do-if-i-think-i-ve-received-a-phishing-attempt-impersonating-moonpay
50. MoonPay Help Center, UK FCA regulatory changes: https://support.moonpay.com/en/articles/381976-uk-fca-regulatory-changes-impacting-moonpay-s-crypto-services
51. FBI IC3, 2025 Internet Crime Report: https://www.ic3.gov/AnnualReport/Reports/2025_IC3Report.pdf
52. FTC, what to know about cryptocurrency and scams: https://consumer.ftc.gov/articles/what-know-about-cryptocurrency-and-scams
53. MetaMask Support, buy providers and payment methods: https://support.metamask.io/manage-crypto/move-crypto/buy/providers-and-payment-methods/
54. Phantom Help Center, how to buy tokens in Phantom: https://help.phantom.com/hc/en-us/articles/4406543783571-How-to-buy-tokens-in-Phantom
55. Exodus Support, help with a buy or sell crypto order: https://www.exodus.com/support/en/articles/8598908-how-do-i-get-help-with-my-buy-or-sell-crypto-order
56. Apple App Store, MoonPay (US): https://apps.apple.com/us/app/moonpay-buy-crypto-bitcoin/id1635031432
57. Google Play, MoonPay: https://play.google.com/store/apps/details?id=com.moonpay
58. Trustpilot, moonpay.com: https://www.trustpilot.com/review/moonpay.com
59. Better Business Bureau, MoonPay: https://www.bbb.org/us/fl/miami/profile/financial-services/moonpay-0633-90611828
60. MoonPay, Ramps business page: https://www.moonpay.com/business/ramps
61. MoonPay Help Center, what is MoonPay: https://support.moonpay.com/en/articles/380731-what-is-moonpay
62. MoonPay, public currencies API: https://api.moonpay.com/v3/currencies
63. MoonPay, MoonPay Enterprise launch (2026-08-06): https://www.moonpay.com/newsroom/moonpayenterprise
64. MoonPay, SOC 2 Type 2 recertification (2026-08-04): https://www.moonpay.com/newsroom/soc2-type-2-2026
65. MoonPay, privacy policy: https://www.moonpay.com/legal/privacy_policy
66. CourtListener, Real v. Yuga Labs docket (C.D. Cal. 2:22-cv-08909): https://www.courtlistener.com/api/rest/v4/search/?type=r&q=docket_id%3A66623942
67. The Block, MoonPay acquires Iron (2025-03-13): https://www.theblock.co/post/346135/moonpay-acquires-stablecoin-infrastructure-firm-iron-in-a-deal-worth-at-least-100-million
68. MoonPay, Meso acquisition (2025-09-12): https://www.moonpay.com/newsroom/meso-acquisition
69. MoonPay, Dawn Labs acquisition (2026-05-11): https://www.moonpay.com/newsroom/moonpay-acquires-dawn
70. The Block, MoonPay acquires Decent (2026-05-21): https://www.theblock.co/post/402206/moonpay-announces-fourth-acquisition-of-the-year-with-decent-as-it-launches-moonpay-trade
71. MoonPay, Entendre acquisition (2026-06-22): https://www.moonpay.com/newsroom/moonpay-acquires-entendre
72. MoonPay, Glide acquisition (2026-07-16): https://www.moonpay.com/newsroom/moonpay-acquires-glide
73. MoonPay, North Capital agreement (2026-09-23): https://www.moonpay.com/newsroom/moonpay-northcapital
74. MoonPay Help Center, MoonPay Balance: https://support.moonpay.com/en/articles/381106-moonpay-balance-how-to-top-up-use-and-withdraw
75. MoonPay Help Center, open banking in the EEA and UK: https://support.moonpay.com/en/articles/381109-open-banking-in-eea-uk
76. MoonPay Help Center, supported payment methods: https://support.moonpay.com/en/articles/380823-moonpay-s-supported-payment-methods
77. MoonPay Help Center, when will I receive my cryptocurrency: https://support.moonpay.com/en/articles/384275-when-will-i-receive-my-cryptocurrency
78. MoonPay Help Center, troubleshooting transaction issues: https://support.moonpay.com/en/articles/386092-troubleshooting-transaction-issues
79. MoonPay Help Center, transactions FAQ: https://support.moonpay.com/en/articles/386106-transactions-faq
80. MoonPay Help Center, security and safety FAQs: https://support.moonpay.com/en/articles/388281-security-and-safety-faqs
81. MoonPay Help Center, crypto sent to the wrong wallet address: https://support.moonpay.com/en/articles/682693-what-to-do-if-you-sent-crypto-to-the-wrong-wallet-address
82. MoonPay Help Center, Cash App FAQs: https://support.moonpay.com/en/articles/755167-cash-app-faqs
83. MoonPay developer docs, widget FAQs: https://dev.moonpay.com/widget/faqs
84. MoonPay Help Center, buying crypto with Interac e-Transfer: https://support.moonpay.com/en/articles/396467-buying-crypto-with-interac-e-transfer
85. MoonPay Help Center, list of supported cryptocurrencies: https://support.moonpay.com/en/articles/382207-list-of-supported-cryptocurrencies
86. MoonPay Help Center, NFT Checkout discontinued: https://support.moonpay.com/en/articles/642149-nft-checkout-has-been-discontinued
87. The Defiant (Transak press release), Transak and MetaMask Deposit button (2025-09-17): https://thedefiant.io/news/press-releases/transak-and-metamask-join-forces-to-offer-11-stablecoin-onramping-and-named-ibans
88. MoonPay, Trust Wallet announcement (2025-08-14): https://www.moonpay.com/newsroom/trustwalletannouncement
89. Ledger, buy crypto with MoonPay: https://ledger.com/buy-moonpay
90. Uniswap Support, what is MoonPay: https://support.uniswap.org/hc/en-us/articles/11306567662093-What-is-MoonPay
91. MoonPay, Bitcoin.com partnership: https://www.moonpay.com/newsroom/bitcoin-dot-com