Coinbase Onramp vs Fonbnk Coinbase Onramp leads by 19 points.
Coinbase Onramp scores 19 points above Fonbnk, led by purchase cost, quote honesty, and named licence. Coinbase Onramp ranks #6 and Fonbnk #15 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
CBCoinbase Onramp60
vs
Fonbnk41
Scores are out of 100; published scores fall within 41–99 · ranks #6 and #15 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+31.7
Published gapAfter score rounding and bounds — see the note below6041+19.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
A floor bound on one row means the criterion arithmetic does not reproduce the displayed gap exactly.
Coinbase OnrampScore 60Coinbase's embeddable fiat-to-crypto rail (CDP Onramp): Coinbase-account and US guest-checkout flows riding Coinbase's own first-party licence stack — NYDFS-listed in the US and an ESMA-register-confirmed MiCA CASP (Coinbase Luxembourg S.A.) passported across 30 EEA states — with published 2.5% credit-card / 0.5% ACH fees but an unquantified spread, no EUR bank rail, and no published time-to-coins anywhere on its docs.Strength: Licence identity — 7/10Watch-out: For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.FonbnkScore 41Mobile-money, bank and digital-wallet rail turning KES/NGN/GHS and ten other local currencies into stablecoins in the 18 countries the provider states on 2026-09-29 have an on-ramp channel (its homepage says '19 Markets'; the docs call airtime 'off-ramp only, everywhere') — the most local rail in the pool, and the pool's silence specimen on fees, quote binding and licences.Strength: Kyc friction time to coins — 5/10Watch-out: Your recourse is structurally thinner than your purchase: a US$500 on-ramp ceiling, a refund path that exists only as a help-centre 'refund link' email the terms never promise, no status page, and a Delaware ToS capping Fonbnk's total liability at US$50 — about a fifth of the EUR200-equivalent purchase — with no licence in any of the 20 countries its docs listed on 2026-09-29 to complain to a regulator about.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactCoinbase OnrampFonbnk
PricingSnapshotCoinbase Developer Platform "Onramp FAQ" (https://docs.cdp.coinbase.com/onramp/additional-resources/faq.md), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. "Coinbase Onramp is free for developers to use." Spread: "Coinbase Onramp includes a spread in the price when you buy cryptocurrencies." (no percentage, no named benchmark). Coinbase fees: "Fees are calculated at the time you place your order and may be determined by a combination of factors, including the selected payment method, the size of the order, and market conditions such as volatility and liquidity." Card and ACH: "There is a 2.5% fee for credit card transactions, and 0.5% fee for ACH". USDC: "Zero-fee USDC onramping is available to select partners through a subsidy program for eligible partners." Network fees: "We charge a fee based on our estimate of these network fees." No debit-card fee number is published on this page. Worked example (our arithmetic, not a Coinbase figure): a EUR 200 credit-card purchase carries EUR 5.00 in card fee (2.5 percent) plus the unquantified spread and the estimated network fee; there is no EUR bank rail, since the only bank transfer listed is "ACH (US Bank Transfer)".Fonbnk Terms of Service (https://fonbnk.com/terms-of-service), fetched 29 September 2026, HTTP 200, unchanged from 2026-08-18: "2.3 Processing Fee. 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." and "2.4 Blockchain Network Fees. You will be responsible for any blockchain network fees incurred per Supported Blockchain for On-Chain Transfers to your wallet. These fees are dynamic and will be determined based on network congestion during the transaction." No pricing page exists (https://www.fonbnk.com/pricing returns HTTP 404 on 29 September 2026) and no exchange-rate spread or benchmark is disclosed on the Terms or the docs. Worked example (our arithmetic, not a Fonbnk figure): a purchase worth about USD 232 (EUR 200) carries a 2.5 percent processing fee of about USD 5.80, plus the network fee and an undisclosed local-currency exchange spread.
Asset coverageEditorial——
Region fitSnapshotus, europe, caafrica, latam, asia
From the published criteria
Which should you pick?
CB
Coinbase Onramp
60#6 of 16
Leads
Pick it when
Pick Coinbase Onramp if purchase cost matters most — it scores 5/10 to Fonbnk's 3/10 there (weight 34).
Strength
Licence identity — 7/10
Tradeoff
For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.
Fonbnk
41#15 of 16
Pick it when
Fonbnk leads Coinbase Onramp on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Kyc friction time to coins — 5/10
Tradeoff
Your recourse is structurally thinner than your purchase: a US$500 on-ramp ceiling, a refund path that exists only as a help-centre 'refund link' email the terms never promise, no status page, and a Delaware ToS capping Fonbnk's total liability at US$50 — about a fifth of the EUR200-equivalent purchase — with no licence in any of the 20 countries its docs listed on 2026-09-29 to complain to a regulator about.
Self-identify in 10 seconds
Which one is actually for you?
CBCoinbase OnrampLeads
Choose Coinbase Onramp if purchase cost matters most
Purchase cost: 5/10 against 3/10 for Fonbnk (weight 34)
Quote honesty: 5/10 against 2/10 for Fonbnk (weight 26)
Named licence: 7/10 against 1/10 for Fonbnk (weight 22)
Coinbase OnrampScore 60Coinbase's embeddable fiat-to-crypto rail (CDP Onramp): Coinbase-account and US guest-checkout flows riding Coinbase's own first-party licence stack — NYDFS-listed in the US and an ESMA-register-confirmed MiCA CASP (Coinbase Luxembourg S.A.) passported across 30 EEA states — with published 2.5% credit-card / 0.5% ACH fees but an unquantified spread, no EUR bank rail, and no published time-to-coins anywhere on its docs.Strength: Licence identity — 7/10Watch-out: For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.
Fonbnk
Fonbnk leads Coinbase Onramp on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
FonbnkScore 41Mobile-money, bank and digital-wallet rail turning KES/NGN/GHS and ten other local currencies into stablecoins in the 18 countries the provider states on 2026-09-29 have an on-ramp channel (its homepage says '19 Markets'; the docs call airtime 'off-ramp only, everywhere') — the most local rail in the pool, and the pool's silence specimen on fees, quote binding and licences.Strength: Kyc friction time to coins — 5/10Watch-out: Your recourse is structurally thinner than your purchase: a US$500 on-ramp ceiling, a refund path that exists only as a help-centre 'refund link' email the terms never promise, no status page, and a Delaware ToS capping Fonbnk's total liability at US$50 — about a fifth of the EUR200-equivalent purchase — with no licence in any of the 20 countries its docs listed on 2026-09-29 to complain to a regulator about.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Purchase cost
by 2 of 10weight 8.2 of 86Coinbase Onramp leads
Coinbase Onramp5/10 out of 10
Fonbnk3/10 out of 10
Quote honesty
by 3 of 10weight 6.2 of 86Coinbase Onramp leads
Coinbase Onramp5/10 out of 10
Fonbnk2/10 out of 10
Named licence
by 6 of 10weight 5.3 of 86Coinbase Onramp leads
Coinbase Onramp7/10 out of 10
Fonbnk1/10 out of 10
KYC and speed
weight 4.3 of 86Tie
Coinbase Onramp5/10 out of 10
Fonbnk5/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Coinbase Onramp12/20Fonbnk12/20
Tie
Published criteriaweight 30 of 86
Coinbase Onramp13.1/30Fonbnk6.4/30
Coinbase Onramp leads
Frictionweight 10 of 86 · constant here
Coinbase Onramp2.7/10Fonbnk2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Coinbase Onramp3.2/8Fonbnk3.2/8
Tie
Measured dataweight 18 of 86
Coinbase Onramp8.3/18Fonbnk2.8/18
Coinbase Onramp leads
Decision rulePublished order
Choose Coinbase Onramp unless the term Fonbnk leads on is the one you are buying.
Fonbnk leads Coinbase Onramp on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose money-transmission licence is my money riding — and is that entity my counterparty? · 22% (Coinbase Onramp 7/10, Fonbnk 1/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Coinbase Onramp 5/10, Fonbnk 2/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by How much identity do I surrender before the coins land in my wallet, and how long does that take? · 18% (Coinbase Onramp 5/10, Fonbnk 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit 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: What does a €200 purchase actually cost me — by card and by bank, all-in? (34%).
Questions
Frequently asked questions
Coinbase Onramp scores 19 points above Fonbnk, led by purchase cost, quote honesty, and named licence. Published scores, out of 100: Coinbase Onramp 60 (rank 6 of 16 onramps), Fonbnk 41 (rank 15 of 16).
Reviewed means both products compared here 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.
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