In a Nutshell
Onramp, a leading fiat-to-crypto payment gateway, is on a mission to break down the barriers to Web3 adoption by making fiat-to-crypto onboarding fast, affordable, and accessible to users worldwide. Acting as a bridge between traditional finance and the Web3 space, Onramp enables users to purchase digital assets seamlessly, helping them transition into the world of crypto with ease. However, to truly scale across Europe and drive broader adoption, they needed a payment partner that could match their ambition for speed, simplicity, and operational efficiency, end to end.
The Challenge
A Fragmented Payments Stack
As Onramp accelerated its European footprint, the limitations of its payments setup quickly became apparent. Without direct access to local banking networks or a robust regional presence, the team was forced to rely on a patchwork of third-party providers - each handling a different piece of the stack. The result? A fragmented setup that introduced complexity and delays, increased operational overhead, and ultimately undermined conversion performance.
What they needed was clear: a single, reliable partner capable of consolidating the full payment lifecycle, from initiation and collection to final settlement, all under one roof.
The Solution
An All-In-One Payments & Banking Infrastructure
Ivy delivered exactly that. More than just strong European coverage, Ivy offered Onramp a fully integrated payment and banking infrastructure, built specifically for the needs of crypto business. Open Banking, multi-currency collection accounts with local IBANs, and stablecoin settlement capabilities all came together in a single, unified platform. For the first time, Onramp could manage the entire payment lifecycle with full visibility, control, and speed.
A major unlock came with Ivy’s support for instant USDC settlement. As a company operating across multiple currencies, Onramp constantly faced pressure to reduce slippage, optimize fund flows, and maintain treasury efficiency. Ivy’s ability to hold a stablecoin balance, instantly convert incoming funds from fiat to USDC, and settle directly in stablecoins, all through a single API, dramatically reduced exposure to currency volatility while providing direct access to the best available exchange prices.
By bringing these critical flows under one roof, Onramp eliminated the need for multiple providers and manual processes. The result was a simpler, more transparent setup that improved operational efficiency and sped up time to market, while significantly boosting conversion performance.
The Result
6x Growth, Seamless Operations, and Standout Support
As Onramp scaled its European operations more than sixfold, Ivy’s infrastructure has consistently handled growing volumes with ease, allowing the Onramp team to focus on product and expansion rather than backend complexity.
Faster onboarding:
Full integration completed in just two weeks, with a seamless setup, developer-friendly APIs, and guided support at every step.
End-to-end control:
Onramp can now simplify its global financial operations - receiving, holding, sending, and settling funds across fiat and stablecoins, all through one unified platform and API.
Higher conversion rates:
Ivy’s Open Banking boosts payment success and reduces drop-offs with fallback to manual bank transfers when instant payments aren't available.
Looking Ahead
Building the Next Phase of Web3 Onboarding
As Onramp Money continues to grow, its partnership with Ivy is about more than operational efficiency, it’s about unlocking the flexibility to design and scale any payment flow, for any use case. Whether powering cross-border remittances or high-volume crypto transactions, the ability to support versatile, cost-efficient flows is core to Onramp’s growth strategy. With Ivy as a long-term infrastructure partner, Onramp is well-positioned to drive broader crypto adoption.
