Provider at a glance
- Category
- Crypto Remittances
- Entity
- Not verified
- Official website
- moneygram.com
Independent rankingchecked How it works
Details
Scored 41 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
MoneyGram (Ramps / MGUSD on Stellar)
Cash payouts through MoneyGram
Crypto Remittances
#7 Overall
Ranked #7 of 7 crypto remittances in the published ranking
41
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is MoneyGram (Ramps / MGUSD on Stellar) right for you?
Look elsewhere if these come first
- Delivered Value at USD 2002/10 here; Western Union (USDPT on Solana) scores 5
- Corridor Proof and Payout Method5/10 here; Bitnob scores 7
- Recipient Burden4/10 here; Strike Send Globally scores 8
- Payout Partner and Two-Leg Regulatory Exposure7/10 here; Western Union (USDPT on Solana) scores 8
Not yet tested for your country. Markets it lists: United States.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best remittance corridor shows where it lands for you.
What will MoneyGram (Ramps / MGUSD on Stellar) cost you?
Not priced on this basis
- Your monthly volume
- $1k
How safe is MoneyGram (Ramps / MGUSD on Stellar)?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to MoneyGram (Ramps / MGUSD on Stellar)
Compare all 4- 4Strike Send Globally28 points above · stronger on recipient burden (8 against 4)69
- 5Western Union (USDPT on Solana)21 points above · stronger on delivered value (5 against 2)62
- 6Bitnob6 points above · stronger on recipient burden (8 against 4)47
For your setup
Find out if MoneyGram (Ramps / MGUSD on Stellar) fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where MoneyGram (Ramps / MGUSD on Stellar) lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best remittance corridorNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why MoneyGram (Ramps / MGUSD on Stellar) ranks #7
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (13.1 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
352+2.245.09#7/7Loading evidence…
255+4.007.010#6/7Loading evidence…
224+2.828.010#5/7Loading evidence…
187+4.037.09#3/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−6behind Bitnob, #6
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 41 and stays #7
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of MoneyGram (Ramps / MGUSD on Stellar)’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Delivered Value at USD 200 2 → 6 on its ladder · passes Bitnob+447#7 → #6
Smallest climb: delivered Value at USD 200 2 → 6 passes Bitnob, #6.
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- Delivered Value at USD 200 — 2/10 against a category best of 9/10
- Corridor Proof and Payout Method — 5/10 against a category best of 10/10
- Recipient Burden — 4/10 against a category best of 10/10
- Payout Partner and Two-Leg Regulatory Exposure — 7/10 against a category best of 9/10
Record watch-outs
- SCOPE: the case for excluding MoneyGram is weaker than it looks, though a real scope tension remains. (a) The 'same person, banned twice over' argument for Ramps is NOT supportable: MoneyGram's own consumer help centre documents third-party sends explicitly — "To send USDC to Friends and Family, enter their MoneyGram Wallet username or phone number." with the choice "you can choose Friends & Family or Myself" — and 141 of the 168 countries on its Ramps sheet are 'Cash-out only', a directional payout shape, not a round trip. (b) The 'no enumerable list' claim is false: the sheet enumerates 168 countries with a payout method each, including Mexico as a cash-out market. (c) What IS confirmed: Ramps is filed under Business in MoneyGram's navigation and "MoneyGram Ramps™ empowers:" Wallets / Exchanges / Developers — it is an integration API, so it is properly cited as the rail under someone else's consumer product rather than ranked as a retail brand. (d) MGUSD is confirmed as a launched token, not a remittance product: US-only, no destination corridor, 0 mentions in the consumer help centre, 7 non-zero holders on 2026-09-28 and 99.29% of supply (25,000,100.00 of 25,178,894.87) parked in one treasury account, with issuer-level auth_required and clawback. (e) The genuine consumer crypto product is MoneyGram Wallet (USDC on Stellar), which does send person-to-person and does pay out as local cash at an agent with a valid ID — so it is not true that no sender-facing surface carries a blockchain rail. MoneyGram's own posture explains the thin consumer surface: CoinDesk, 2026-07-17, "MoneyGram's CEO says blockchain works best when customers don't know it's there". Scores describe MoneyGram's blockchain-rail consumer offering as it stands on 2026-09-28. They remain low relative to Felix or Bitnob because no fee is published anywhere and the flagship token has no corridor — not because MoneyGram is a weak remittance company; it states "480,000+ MoneyGram locations across 170+ countries" and publishes NMLS 898432, FinCEN 31000221116940 and a New York DFS licence, though it names no destination institution.
Competitive position
Where MoneyGram (Ramps / MGUSD on Stellar) leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#6 / 76.0 of 20 · best 14.0
Published criteria#7 / 79.8 of 30 · best 20.2
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#1 / 78.3 of 18 · constant here
Where MoneyGram (Ramps / MGUSD on Stellar) leads
- Payout Partner and Two-Leg Regulatory Exposure#3 / 7
Where it trails
- Delivered Value at USD 200#7 / 7
- Corridor Proof and Payout Method#6 / 7
- Recipient Burden#5 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Bitnob#6 of 7 · score 47 · 6.0 points ahead
MoneyGram (Ramps / MGUSD on Stellar) leads on
- Payout Partner and Two-Leg Regulatory Exposure7 vs 3
Bitnob leads on
- Delivered Value at USD 2004 vs 2
- Corridor Proof and Payout Method7 vs 5
- Recipient Burden8 vs 4
Largest single reason Bitnob is ahead: published criteria (+8.6 display points).Scenario cost: Bitnob has no verified pricing for this scenario.
Western Union (USDPT on Solana)#5 of 7 · score 62 · 21.0 points ahead
MoneyGram (Ramps / MGUSD on Stellar) leads on
- Corridor Proof and Payout Method5 vs 3
- Recipient Burden4 vs 3
Western Union (USDPT on Solana) leads on
- Delivered Value at USD 2005 vs 2
- Payout Partner and Two-Leg Regulatory Exposure8 vs 7
Largest single reason Western Union (USDPT on Solana) is ahead: availability (+20.8 display points).Scenario cost: Western Union (USDPT on Solana) has no verified pricing for this scenario.
Strike Send Globally#4 of 7 · score 69 · 28.0 points ahead
MoneyGram (Ramps / MGUSD on Stellar) leads onNo scored criterion
Strike Send Globally leads on
- Delivered Value at USD 2003 vs 2
- Corridor Proof and Payout Method6 vs 5
- Recipient Burden8 vs 4
Largest single reason Strike Send Globally is ahead: availability (+20.8 display points).Scenario cost: Strike Send Globally has no verified pricing for this scenario.
Against the leader
81 vs 41 · gap 40.0Why Morse (formerly Sling Money) ranks above MoneyGram (Ramps / MGUSD on Stellar)
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale; a floor bound on one of the rows keeps the reproduced gap (42.6) from matching the displayed one exactly, which is stated rather than hidden.
DimensionThisMorse (formerly Sling Money)Gap share
Availability · 23% weight6.012.0−15.6, worse
Published criteria · 35% weight9.820.2−27.0, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight · constant here8.38.3same
Published criterionThisMorse (formerly Sling Money)Points
Delivered Value at USD 200 · w3529−7.84, worse
Corridor Proof and Payout Method · w2559−3.20, worse
Recipient Burden · w2248−2.82, worse
Net4181−40.0≈
Your scenario
MoneyGram (Ramps / MGUSD on Stellar) is not priced for this scenario
Transfer spread on your volume for a year. Excludes network gas and any withdrawal fee. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Your monthly volume · your input$1k
Rate read from the provider’s published pricing ↗ on 28 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #7 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Delivered Value at USD 200strength 2 · weight 35Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Corridor Proof and Payout Methodstrength 5 · weight 25Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Recipient Burdenstrength 4 · weight 22Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Payout Partner and Two-Leg Regulatory Exposurestrength 7 · weight 18Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Regulatory failure (MoneyGram (Ramps / MGUSD on Stellar) 7/10): no licence where you are, or a forced market exit.Scored by Payout Partner and Two-Leg Regulatory Exposure · 18%
- Execution failure (MoneyGram (Ramps / MGUSD on Stellar) 5/10): you get a worse price, later, or nothing.Scored by Corridor Proof and Payout Method · 25%
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Delivered Value at USD 200 (35%), Recipient Burden (22%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- MoneyGram publishes NO fee figure for any corridor; re-checked 28 September 2026 across the help centre, the currency-converter page, the Ramps page and the consumer fx API. Its fee article at https://
www .moneygram .com /us /en /help-center /faq /send-receive /general-questions /what-are-the-fees-to-send-money-from-the-united-states (HTTP 200, fetched 28 September 2026) states in full: "Fees vary based on a range of factors, such as where you are sending, how much, and the payment and receive method chosen. If you pay with your credit card*, the fees are slightly higher. Enjoy more peace of mind by estimating transfer fees and exchange rates on MoneyGram's estimator. Log in to see all the available send and receive options and begin your transfer today." The same page's footer adds "Rates and fees shown are for illustrative purposes only." and "The transfer fee and currency exchange rate may be subject to change by MoneyGram without notice. MoneyGram makes money from currency exchange." The estimator is not linked from the article. https:// consumerapi .moneygram .com /services /capi /api /v1 /sendMoney /fx still returns HTTP 401 {"status":"failure","message":"Unauthorised"}. A rate, unlike a fee, is published without login but disclaimed. https:// www .moneygram .com /us /en /currency-converter /usd-to-mxn states "Rates shown are indicative and may vary depending on your provider's exchange margin, payment and receive method." and "The rate applied is set when the transfer is confirmed and may differ from the indicative rate shown." Its page payload carries undated trendingRates of MEX 18.0154, JAM 157.8174 and PHL 63.2941. On 28 September 2026 the MXN figure sits 1.2% ABOVE the same-morning USD/MXN mid of 17.7987 (Yahoo Finance MXN=X, 09:01:52 UTC), so it is stale display data, not a price (August's array was stale in the other direction). The only wallet-related price published is on the MoneyGram Wallet help section: "You can create a new account with MoneyGram Wallet free of charge as long as you have another unique phone number and email address." Nothing on any MoneyGram surface prices a USD 200 transfer.MoneyGram (Ramps / MGUSD on Stellar) — official pricing page ↗ · 28 October 2026 - Prices published in
- USDMoneyGram (Ramps / MGUSD on Stellar) — official pricing page ↗ · 28 October 2026
- Licences held
- United States: Registration / authorisation
- Compliance level
- partial
- Regulatory note
- RAISED 2->3. The fee absence is real and survived a four-surface attack: no figure in the help centre, the converter page, the Ramps page, or the developer portal. The help article says only: "Fees vary based on a range of factors, such as where you are sending, how much, and the payment and receive method chosen."
- Supported chains
- MoneyGram Ramps (B2B on/off-ramp API): USDC on Stellar AND Solana — Solana went live 11 August 2026 (PRNewswire 302847719, Rift first wallet). Publishes an enumerable 168-country sheet with a payout method per country: 26 'Cash In & Cash Out', 141 'Cash-out only', 1 'Cash-in only', Ramps corridor US -> Mexico IS documented at country level: United States = 'Cash In & Cash Out' (note: 'Not available in some states: AK, HI, LA'), Mexico = 'Cash-out only'. Also cash-out only: Philippines, India, Guatemala, Colombia, Ghana, Nigeria, MoneyGram Wallet (consumer, USDC on Stellar): documented person-to-person send with cash withdrawal at agent locations; closed-loop — 'you can only send digital funds to or from another MoneyGram Wallet'. Country list exists behind a 'View all countries & territories' button that could not be retrieved, MGUSD on Stellar — United States ONLY (send side); no destination payout market published. Launched 2 June 2026. Supply 25,178,894.87 across 7 non-zero holders on 28 September 2026 (Horizon), 99.29% of it in one treasury account, Non-blockchain fiat remittance: 210 receive countries enumerated in the site CMS payload (calculatorCountriesData.filteredCountries) with baseReceiveCurrency — MEX/MXN, PHL/PHP, IND/INR, GTM/GTQ, COL/COP, KEN/KES, GHA/GHS, NGA/USD all confirmed
- Markets served
- us
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Not published
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with MoneyGram (Ramps / MGUSD on Stellar): where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
9 methodology entries
- 28 October 2026Current verified snapshot · methodology 2026.10.18Score 41, #7 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
- 16 September 2026
2026.09.15Dimension scores carry tenths, and eleven more categories are re-read from primary sources · platform-wide- changed Dimension scores resolve to tenths of a point (O-04b), and weightedTotal is rounded to six decimal places before the order is read. 518 published scores move across 107 categories that were not re-read; none of them moves by more than 4 points, and most move by 1.
- fixed 66 published scores change in the eleven re-read categories, against a verbatim source each. The largest moves are Reflexer RAI (−16), Beefy and Unrekt (−11), Aztec (−10) and Golem (+9) — all of them rows whose sources had moved since their last read.
- changed Published order moves in 38 of 119 categories and three #1s change: smart_contract_audits (Zellic → Certora) and travel_rule_compliance (Sumsub Travel Rule → CodeVASP) on the finer resolution, kyc_compliance (Veriff → Sumsub) on the re-read.
- added availabilitySource (O-04g): for a reader who states a country, a row whose availability in that country rests on a region tag its record gives no source for sorts below every sourced row. It is inert in every order published here, which states no country.
Methodology 2026.10.18, the same published run every visitor sees · receipt remittances:moneygram_ramps:2026.10.18:1308ddf65bf7
Are you MoneyGram (Ramps / MGUSD on Stellar)? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.