No. Onramper is a legitimate on-ramp operating since 2019. Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.

Is Onramper regulated in the United States?

Onramper itself has no U.S. license; a U.S. customer is routed to whichever partner on-ramp serves their state, so availability, excluded states and payment methods change from order to order. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Onramper hold my crypto?

No. Onramper delivers to a wallet you control, the same way Anytime Capital does.

Can I switch from Onramper to Anytime Capital without moving my crypto?

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with Onramper?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Onramper prices no fee of its own; the card fee is whatever the routed partner charges, which across its on-ramps runs from roughly 1% to 5% or more plus each partner's minimum, spread and network fee, with none; the partner delivers the coins to the wallet you started in and shows its own network fee. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Trust & safety

Onramper

Our pick

Is Onramper legit? What that does and does not mean

Onramper is a real on-ramp that has operated since 2019. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only platform and a U.S. company with a front door part ways.

Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.
Delivers coins to a wallet you control
Anytime Capital: a U.S. company you can call or visit

Onramper vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 14.

Category	Onramper	Our pick
Card purchase fee	No fee of its own; the card fee is whatever the routed partner charges, which across its on-ramps runs from roughly 1% to 5% or more plus each partner's minimum, spread and network fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	depends on the routed partner; ACH and bank transfer are offered by some U.S. on-ramps in the network and not others	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered as a U.S. rail by the partners commonly routed to	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	Yes
Talk to a human	Email and a Telegram group for Onramper itself; transaction support is handed to the partner on-ramp through the widget's help menu	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Onramper itself has no U.S. license; a U.S. customer is routed to whichever partner on-ramp serves their state, so availability, excluded states and payment methods change from order to order.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Verification belongs to the partner on-ramp, not Onramper; small orders may be routed to a partner with lighter checks, larger ones to a full ID-and-selfie flow.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Limits belong to the routed partner; no desk of its own	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Onramper's Trustpilot profile is small and poor, and the complaints are almost all about not being able to reach anyone after an order stalled.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Onramper: No fee of its own; the card fee is whatever the routed partner charges, which across its on-ramps runs from roughly 1% to 5% or more plus each partner's minimum, spread and network fee
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Onramper: depends on the routed partner; ACH and bank transfer are offered by some U.S. on-ramps in the network and not others
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

Onramper: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

Onramper: Not offered as a U.S. rail by the partners commonly routed to

Is Onramper legit? What that does and does not mean

Is Onramper legit and safe to use?

Card pricing at Anytime Capital, where Onramper has no card rail

The checklist: does Onramper pass?

What "safe" looks like when a trade goes sideways

A front door, not a chat window

How to protect yourself on any platform

Leaving Onramper? Your wallet address works here too.

Onramper vs Anytime Capital, row by row

9 ways to pay here. 1 at Onramper.

Every major coin, one checkout

Three steps from Onramper to here

Verify once

Pay your way

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Ready to leave Onramper behind?