Fonbnk and Koywe tie on score at 41; the published tie-break orders them. Fonbnk is ahead on KYC and speed. Koywe ranks #13 and Fonbnk #15 of 16 published onramps. The ledger below shows where each side is ahead — pick by the criterion that matters to you.
Koywe41
vs
Fonbnk41
Scores are out of 100; published scores fall within 41–99 · ranks #13 and #15 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap−8.1
Published gapAfter score rounding and bounds — see the note below41410.0
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.
KoyweScore 41Chilean-anchored LATAM payments and treasury API (Koywe SpA, CMF register N°196; Alerce Argentina SRL, CNV PSAV N°24) whose ONRAMP product converts local-rail fiat (PIX, SPEI, PSE, Khipu) to crypto delivered to merchant-registered external wallets — register-verified licences, but zero public end-user pricing.Strength: Licence identity — 6/10Watch-out: You cannot see a price before you onboard: Koywe is a KYB-gated B2B API, the pricing pages 404, the fee schedule lives 'informadas en la Plataforma' behind login, and the only public number is a non-binding '0.5% - 2%' typical range in the developer docs — a buyer commits to merchant onboarding before learning what the PIX-to-USDC conversion actually costs.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.
FactKoyweFonbnk
PricingSnapshotNo end-user fee schedule is published. Koywe developer docs "Quotes and exchange rates" (https://docs.koywe.com/en/core-concepts/quotes-and-exchange-rates), fetched 29 September 2026, HTTP 200, give only an integrator-facing typical range: Processing Fee, "All transactions", "0.5% - 2%"; Network Fee "Variable (blockchain fees)"; country-specific taxes on amount and on fee. The spread is acknowledged in the docs' example ("Slightly lower than buy rate (spread)") but not quantified or benchmarked. The pricing routes www.koywe.com/en/pricing and /es/precios still return HTTP 404 (29 September 2026). The Terms ("Fecha de última actualización: 18 de mayo de 2026") put actual fees behind login or contract: "El uso de los Servicios estará sujeto al pago de las Comisiones y tipo de cambio vigentes informadas en la Plataforma o establecidas en la documentación contractual aplicable." No representative purchase can be reconstructed: the quote API needs KYB-gated credentials and there is no public widget.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 fitSnapshotlatamafrica, latam, asia
From the published criteria
Which should you pick?
Koywe
41#13 of 16
Pick it when
Pick Koywe if quote honesty matters most — it scores 5/10 to Fonbnk's 2/10 there (weight 26).
Strength
Licence identity — 6/10
Tradeoff
You cannot see a price before you onboard: Koywe is a KYB-gated B2B API, the pricing pages 404, the fee schedule lives 'informadas en la Plataforma' behind login, and the only public number is a non-binding '0.5% - 2%' typical range in the developer docs — a buyer commits to merchant onboarding before learning what the PIX-to-USDC conversion actually costs.
Fonbnk
41#15 of 16
Pick it when
Pick Fonbnk if KYC and speed matters most — it scores 5/10 to Koywe's 3/10 there (weight 18).
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?
Koywe
Choose Koywe if quote honesty matters most
Quote honesty: 5/10 against 2/10 for Fonbnk (weight 26)
Named licence: 6/10 against 1/10 for Fonbnk (weight 22)
KoyweScore 41Chilean-anchored LATAM payments and treasury API (Koywe SpA, CMF register N°196; Alerce Argentina SRL, CNV PSAV N°24) whose ONRAMP product converts local-rail fiat (PIX, SPEI, PSE, Khipu) to crypto delivered to merchant-registered external wallets — register-verified licences, but zero public end-user pricing.Strength: Licence identity — 6/10Watch-out: You cannot see a price before you onboard: Koywe is a KYB-gated B2B API, the pricing pages 404, the fee schedule lives 'informadas en la Plataforma' behind login, and the only public number is a non-binding '0.5% - 2%' typical range in the developer docs — a buyer commits to merchant onboarding before learning what the PIX-to-USDC conversion actually costs.
Fonbnk
Choose Fonbnk if KYC and speed matters most
KYC and speed: 5/10 against 3/10 for Koywe (weight 18)
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
weight 8.2 of 86Tie
Koywe3/10 out of 10
Fonbnk3/10 out of 10
Quote honesty
by 3 of 10weight 6.2 of 86Koywe leads
Koywe5/10 out of 10
Fonbnk2/10 out of 10
Named licence
by 5 of 10weight 5.3 of 86Koywe leads
Koywe6/10 out of 10
Fonbnk1/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Fonbnk leads
Koywe3/10 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
Koywe6/20Fonbnk12/20
Fonbnk leads
Published criteriaweight 30 of 86
Koywe10/30Fonbnk6.4/30
Koywe leads
Frictionweight 10 of 86 · constant here
Koywe2.7/10Fonbnk2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Koywe3.2/8Fonbnk3.2/8
Tie
Measured dataweight 18 of 86
Koywe8.3/18Fonbnk2.8/18
Koywe leads
Decision rulePublished order
Same published score — pick by the criterion that matters to you.
Pick Koywe if quote honesty matters most — it scores 5/10 to Fonbnk's 2/10 there (weight 26).
Pick Fonbnk if KYC and speed matters most — it scores 5/10 to Koywe's 3/10 there (weight 18).
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% (Koywe 6/10, 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% (Koywe 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% (Koywe 3/10, 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
Fonbnk and Koywe tie on score at 41; the published tie-break orders them. Fonbnk is ahead on KYC and speed. Published scores, out of 100: Koywe 41 (rank 13 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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