{"license":"CC-BY-4.0","licenseUrl":"https://creativecommons.org/licenses/by/4.0/","attribution":"ChainChoice (https://chainchoice.io)","category":"onramp","evidenceReadAt":"2026-11-10","generatedAt":"2026-11-12","criteria":[{"id":"all_in_purchase_cost","label":"What does a €200 purchase actually cost me — by card and by bank, all-in?","weight":34},{"id":"quote_honesty_and_settlement","label":"Is the number on the widget the number that settles?","weight":26},{"id":"licence_identity","label":"Whose money-transmission licence is my money riding — and is that entity my counterparty?","weight":22},{"id":"kyc_friction_time_to_coins","label":"How much identity do I surrender before the coins land in my wallet, and how long does that take?","weight":18}],"providers":{"coinify":{"all_in_purchase_cost":{"s":8,"q":"BUY ORDERS Bank Transfer 1% Credit/Debit Card EEA *3.5% Credit/Debit Card 5% | For all purchases done in currencies other than USD, a foreign exchange fee of 0.50% applies.","u":"https://www.coinify.com/trading-fees","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":5,"q":"When you pay by bank transfer, you accept that the virtual currencies will be traded at the current available exchange rate at the time Coinify processes your trade, which might differ from the rate displayed when you confirm your trade on Coinify.com.","u":"https://www.coinify.com/legal","d":"2026-11-10"},"licence_identity":{"s":8,"q":"\"Company_Name\":\"Coinify ApS\",\"VAT_Number\":\"35847995\",\"FTID\":\"10907\" | \"Company_Type\":\"Crypto-Asset Service Providers\",\"Company_Suptype\":null,\"Date_of_Registration\":\"2026-05-29\" | \"Permission_Group\":\"CASP according to MiCA\"","u":"https://virksomhedsregister.finanstilsynet.dk/VUTService/VirksomhederUnderTilsynService.svc/getCompanyInformation?v=23CC38C9-B055-F111-A20F-005056901D70","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":6,"q":"Typically, your starting limits for paying by card are currently at a maximum of €1,000 per purchase. For trades paid for with a bank transfer, your starting limits are at a maximum of €50,000 per purchase.","u":"https://help.coinify.com/api/v2/help_center/en-us/articles/360013698319.json","d":"2026-11-10"}},"transak":{"all_in_purchase_cost":{"s":7,"q":"SEPA Transfer 0.99% of transaction amount, minimum 1 EUR | Credit / Debit Card (EUR) 3.5% of transaction amount + 1 EUR | plus a spread of 0% to 2.5%, depending on how volatile the currency is at the time.","u":"https://support.transak.com/en/articles/7845942-how-does-transak-calculate-prices-and-fees","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":6,"q":"The rate you receive is determined at the moment the transaction is deemed final. | plus a spread of 0% to 2.5%, depending on how volatile the currency is at the time.","u":"https://support.transak.com/en/articles/7845942-how-does-transak-calculate-prices-and-fees","d":"2026-11-10"},"licence_identity":{"s":6,"q":"Transak USA LLC | FinCEN Registration #31000300682483 | Transak Canada Limited is registered in Canada as a Money Services Business with the Financial Transaction & Reports Analysis Centre of Canada (\"FINTRAC\").","u":"https://transak.com/compliance","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":7,"q":"Transak or Transak USA LLC will issue a refund within ten (10) days of receipt of a customer's request for a refund, unless the request does not contain sufficient information to enable Transak to identify the customer.","u":"https://support.transak.com/en/articles/8420503-i-have-a-refund-query","d":"2026-11-10"}},"banxa":{"all_in_purchase_cost":{"s":6,"q":"Cards & Apple Pay Market price 1.99% | Typical: 2-4% Min: 0% Max: 15% | Total Spread 4.1%","u":"https://support.banxa.com/en/support/solutions/articles/44002465167-how-does-banxa-set-the-price-of-cryptocurrency-","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":6,"q":"We may vary the Price or cancel any Order that is not confirmed by you within five (5) seconds of us displaying the Price. | To guarantee the Final Price, you must immediately send us proof of payment.","u":"https://banxa.com/terms-of-use","d":"2026-11-10"},"licence_identity":{"s":8,"q":"Version: 21 September 2026 | Crypto Asset Service Provider (#41000017) | Autoriteit Financiële Markten (AFM) | Crypto Asset Service Provider (#999863) | Digital Currency Exchange (#DCE100618765-001)","u":"https://banxa.com/Global-License","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":7,"q":"Most orders complete within 90 minutes once payment clears. | SEPA Europe 1-3 business days","u":"https://support.banxa.com/en/support/solutions/articles/44002216503-how-long-will-my-order-take-","d":"2026-11-10"}},"coinbase-onramp":{"all_in_purchase_cost":{"s":5,"q":"Coinbase Onramp includes a spread in the price when you buy cryptocurrencies. | There is a 2.5% fee for credit card transactions, and 0.5% fee for ACH","u":"https://docs.cdp.coinbase.com/onramp/additional-resources/faq.md","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":5,"q":"This allows us to temporarily lock in a price for trade execution while you review the transaction details prior to submitting your transaction. | Fees are listed in the order preview screen before you submit your transaction and may differ for similar transactions.","u":"https://docs.cdp.coinbase.com/onramp/additional-resources/faq.md","d":"2026-11-10"},"licence_identity":{"s":7,"q":"Commission de Surveillance du Secteur Financier (CSSF),LU,Coinbase Luxembourg S.A.,984500F14CA4571AAC11,LU,Coinbase","u":"https://www.esma.europa.eu/sites/default/files/2024-12/CASPS.csv","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":5,"q":"Any US resident can onramp up to \\$500/week, though this limit is higher for users in some applications that use Coinbase Onramp. Minimum transaction amount is \\$5.","u":"https://docs.cdp.coinbase.com/onramp/coinbase-hosted-onramp/overview.md","d":"2026-11-10"}},"mercuryo":{"all_in_purchase_cost":{"s":5,"q":"up to 5.5%, or min of €1 | up to 3%, or min of €2 | Our average service fee is 3.95%. | The spread is embedded in the displayed crypto-asset price during checkout","u":"https://help.mercuryo.io/api/v2/help_center/en-gb/articles/30404513537565.json","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":4,"q":"cryptocurrency exchange rate can be significantly changed at the moment of execution of Client’s order. In some cases change can cause losses to the Client. As a result the final cryptocurrency purchase price may differ from the price specified when placing an order.","u":"https://mercuryo.io/legal/terms-global","d":"2026-11-10"},"licence_identity":{"s":6,"q":"Crypto-asset exchange services, including fiat-to-crypto and crypto-to-fiat exchange services, in the European Economic Area (EEA), where applicable, are provided by Criptan Trade, S.L. in its own name. | MONEYCHURROS S.L. currently does not provide any regulated financial or crypto-asset services.","u":"https://mercuryo.io/legal/licenses/","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":5,"q":"Here is a breakdown of your transaction limits as a verified user with Mercuryo for RoW: | Note: The annual limit for EEA customers is set to €10,000. | The monthly buying limit can be increased upon providing additional documentation.","u":"https://help.mercuryo.io/api/v2/help_center/en-gb/articles/14495506539677.json","d":"2026-11-10"}},"stripe-crypto":{"all_in_purchase_cost":{"s":4,"q":"These will normally amount to 3-5% of your order value and will be shown in more detail before you make a purchase. | They’re dynamically calculated based on blockchain network conditions.","u":"https://support.link.com/questions/fees-when-using-link-to-buy-crypto","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":5,"q":"Because the price of Crypto Assets fluctuates, the price provided by the Exchange Provider via the Onramp Service will only be valid for a limited time. If the price provided expires, you won’t be able to complete your transaction at that price.","u":"https://stripe.com/legal/crypto-onramp","d":"2026-11-10"},"licence_identity":{"s":6,"q":"Stripe Payments Europe Limited (\"SPEL\"), registered at 3 Dublin Landings, North Wall Quay, Dublin 1, Dublin D01C4E0, Ireland, with registration number 513174. | an electronic money institution authorised and regulated by the Central Bank under reference number C187865","u":"https://link.com/en-bg/terms/crypto-onramp","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":5,"q":"It typically takes about 15 minutes after a purchase for a crypto asset to land in your wallet. | Limits associated with your account are subject to variation and are influenced by a variety of considerations, such as the nature of activity on your account and your historical trading patterns.","u":"https://support.link.com/questions/use-link-to-buy-crypto-faq","d":"2026-11-10"}},"koywe":{"all_in_purchase_cost":{"s":3,"q":"Processing Fee All transactions 0.5% - 2%","u":"https://docs.koywe.com/en/core-concepts/quotes-and-exchange-rates","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":5,"q":"Quotes are valid for 10-15 seconds only. After expiration, you must request a new quote.","u":"https://docs.koywe.com/en/core-concepts/quotes-and-exchange-rates","d":"2026-11-10"},"licence_identity":{"s":6,"q":"Razón Social KOYWE SPA | Vigencia Vigente | Número de Inscripción 196 | Fecha de Inscripción 27/05/2025","u":"https://www.cmfchile.cl/institucional/mercados/entidad.php?mercado=O&rut=77638982&grupo=&tipoentidad=RGPSF&row=AAAwy2ACTAAACitAAf&vig=VI&control=svs&pestania=1","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":2,"q":"Currently, SPEI is the only supported payment method for Mexico with instant settlement.","u":"https://docs.koywe.com/en/accepting-payments/payment-methods","d":"2026-11-10"}},"onramp-money":{"all_in_purchase_cost":{"s":4,"q":"Payment Gateway fees for Onramp (Pay- in) & Offramp (Pay-out) transactions","u":"https://docs.onramp.money/onramp/supported-assets-and-fiat/payment-gateway-fees","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":2,"q":"You acknowledge that all prices for Digital Assets are highly volatile and subject to rapid change, and the displayed quote is merely indicative.","u":"https://onramp.money/assets/termsAndConditions.pdf","d":"2026-11-10"},"licence_identity":{"s":3,"q":"a. India: Buyhatke Internet Private Limited (FIU-IND Registred) b. European Union: FINSTAR AI Sp. z.o.o","u":"https://onramp.money/assets/compliance.pdf","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":5,"q":"EDD (Required only after the User exceeds limit of Rs 500,000) | Per Transaction 5,00,000 INR Per Month 20,00,000 INR","u":"https://docs.onramp.money/onramp/kyc-tiers-for-users","d":"2026-11-10"}},"topper":{"all_in_purchase_cost":{"s":5,"q":"Credit/Debit cards 4.25% 2.75% | SEPA bank transfer 0.99% N/A | Pix 4.89% N/A | The minimum fee applied to any transaction is $3.99 USD.","u":"https://support.topperpay.com/api/v2/help_center/en-us/articles/8926549324444.json","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":3,"q":"Any fees imposed will be clearly stipulated as part of the transaction process prior to confirming the transaction. | Purchases set to occur in the future will be executed at the market price at the time when the transaction is executed, which may differ from the price displayed for informational…","u":"https://www.topperpay.com/legal/terms-of-use","d":"2026-11-10"},"licence_identity":{"s":5,"q":"Uphold Worldwide Ltd. is registered as a Digital Asset Business & Digital Asset Exchange with the Securities Commission of the Bahamas.","u":"https://uphold.com/en-us/legal/important-disclosures","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":5,"q":"They depend on your payment method, where you live and other factors. | Your daily limit resets at 00:00 UTC every day. | We verify in steps. At first we may only need some basic personal details. As you buy more, we may also ask for a photo of your ID document and a selfie.","u":"https://support.topperpay.com/api/v2/help_center/en-us/articles/8926549366556.json","d":"2026-11-10"}},"onmeta":{"all_in_purchase_cost":{"s":1,"q":"Gas fee varies from chain to chain. It is calculated using a combination of gas price and gas units needed to process the transaction. | We don't support any type of card payments for any currencies.","u":"https://docs.onmeta.in/docs/widget/faq/","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":4,"q":"Spillage upto 1% is expected, and no refunds will be issued by Onmeta for spillage upto 1%. If the spillage is more than 1% Onmeta will reach out to you, and only upon your acceptance of the same the order will be processed, else the order will be cancelled and a refund will be processed.","u":"https://onmeta.in/terms-endusers-2","d":"2026-11-10"},"licence_identity":{"s":4,"q":"copyright © 2020-21 Abhibha Technologies Pvt Ltd. D-U-N-S® 85-440-9959 Registered under FIU-IND (REID VA00032718)","u":"https://onmeta.in/","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":6,"q":"Yes, we have a ₹20,000 per day transaction limit with basic KYC. This can be increased by completing Enhanced Due Diligence (EDD) of the user.","u":"https://docs.onmeta.in/docs/widget/faq/","d":"2026-11-10"}},"fonbnk":{"all_in_purchase_cost":{"s":3,"q":"You agree to pay a processing fee of 2.5% for all transactions related to the Fonbnk PayWidget unless a specific marketing promotion indicates otherwise.","u":"https://fonbnk.com/terms-of-service","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":2,"q":"Pass `quoteId` to [Create order](/server-to-server/api-endpoints/create-order.md) before `quoteExpiresAt` to hold this price. After it expires, request a new quote.","u":"https://docs.fonbnk.com/server-to-server/api-endpoints/create-quote.md","d":"2026-11-10"},"licence_identity":{"s":1,"q":"The website located at www.fonbnk.com (the “Site”) is a copyrighted work belonging to Fonbnk Inc. (“Company,” “us,” “our,” and “we”).","u":"https://fonbnk.com/terms-of-service","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":5,"q":"Generally, deposits will appear as USDC on the chain of your choice in your account promptly. In some cases, it may take up to 24 hours. | In the event of a failed deposit, you will receive an email containing a refund link.","u":"https://fonbnk.zendesk.com/api/v2/help_center/en-us/articles/19155402257175.json","d":"2026-11-10"}},"alchemy-pay":{"all_in_purchase_cost":{"s":1,"q":"9.1 All fees payable under this Agreement are displayed during the purchase flow","u":"https://alchemypay.org/js/549.e6431c63.js","d":"2026-11-10"},"quote_honesty_and_settlement":{"s":2,"q":"6.2 Acceptance by us of an order for a Cryptocurrency Purchase does not guarantee that you will receive the corresponding amount of Cryptocurrency.","u":"https://alchemypay.org/js/549.e6431c63.js","d":"2026-11-10"},"licence_identity":{"s":3,"q":"Everest Ocean s.r.o. is a company duly organized and existing under the laws of the Czech Republic, with its registered office at Bucharova 2657/12, Stodulky, 158 00 Prague 5, Czech Republic, and registered with the Companies Register under registration number 223 58 889.","u":"https://alchemypay.org/js/549.e6431c63.js","d":"2026-11-10"},"kyc_friction_time_to_coins":{"s":5,"q":"Some payment methods' limits may be different, for items that reflect 0, KYC is mandatory.","u":"https://alchemypay.readme.io/docs/transaction-limit-in-different-kyc-level.md","d":"2026-11-10"}}}}