Koywe vs Onramp.money Onramp.money leads by 10 points.
Onramp.money scores 10 points above Koywe, led by purchase cost and KYC and speed. Koywe ranks #13 and Onramp.money #10 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Koywe41
vs
Onramp.money51
Scores are out of 100; published scores fall within 41–99 · ranks #13 and #10 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+14.6
Published gapAfter score rounding and bounds — see the note below5141+10.0
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.
Onramp.moneyScore 51UPI-native Indian fiat onramp (Buyhatke Internet Pvt Ltd, FIU-IND-listed) spanning ~30 live local rails from PIX to M-PESA — with a numeric per-rail fee table buried in integrator docs, an empty consumer /fees page, and a ToS that calls the displayed quote 'merely indicative'.Strength: All in purchase cost — 5/10Watch-out: The number on the widget is not the number you are owed: the Terms call the displayed quote 'merely indicative', make submitted transactions 'final and irreversible', never name a benchmark or a lock window — and if UPI captures your rupees and the coins do not land, the entire published recourse is an email address with no SLA, no refund policy, and no status page.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.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactKoyweOnramp.money
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.Onramp.money docs "Payment Gateway Fees" (https://docs.onramp.money/onramp/supported-assets-and-fiat/payment-gateway-fees), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. Onramp (pay-in) payment-gateway fees: INR UPI "0.77" (no unit printed); BRL PIX "0.12%"; MXN SPEI "0.65%"; NGN bank transfer "2% capped at 1K NGN"; EUR "OpenBanking and Manual Bank Transfer via SEPA" "1 EUR til 201 then 0.5%". The platform's own fee appears only as a sample in the onramp Quotes API reference ("onrampFee":0.5, described as the "fee charged by onramp in pct"). No spread over any named benchmark is disclosed, and the consumer page https://onramp.money/fees still renders no fee text (29 September 2026). Worked example (our arithmetic, not an Onramp.money figure): a EUR 200 SEPA purchase carries the flat EUR 1.00 gateway fee (EUR 200 is under the 201 threshold) plus a platform fee that the API sample puts at 0.5 percent (EUR 1.00), before the unquantified spread and the network fee.
Asset coverageEditorial——
Region fitSnapshotlatamasia, latam, africa
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 Onramp.money'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.
Onramp.money
51#10 of 16
Leads
Pick it when
Pick Onramp.money if purchase cost matters most — it scores 5/10 to Koywe's 3/10 there (weight 34).
Strength
All in purchase cost — 5/10
Tradeoff
The number on the widget is not the number you are owed: the Terms call the displayed quote 'merely indicative', make submitted transactions 'final and irreversible', never name a benchmark or a lock window — and if UPI captures your rupees and the coins do not land, the entire published recourse is an email address with no SLA, no refund policy, and no status page.
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 Onramp.money (weight 26)
Named licence: 6/10 against 4/10 for Onramp.money (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.
Onramp.moneyLeads
Choose Onramp.money if purchase cost matters most
Purchase cost: 5/10 against 3/10 for Koywe (weight 34)
KYC and speed: 5/10 against 3/10 for Koywe (weight 18)
Onramp.moneyScore 51UPI-native Indian fiat onramp (Buyhatke Internet Pvt Ltd, FIU-IND-listed) spanning ~30 live local rails from PIX to M-PESA — with a numeric per-rail fee table buried in integrator docs, an empty consumer /fees page, and a ToS that calls the displayed quote 'merely indicative'.Strength: All in purchase cost — 5/10Watch-out: The number on the widget is not the number you are owed: the Terms call the displayed quote 'merely indicative', make submitted transactions 'final and irreversible', never name a benchmark or a lock window — and if UPI captures your rupees and the coins do not land, the entire published recourse is an email address with no SLA, no refund policy, and no status page.
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 86Onramp.money leads
Koywe3/10 out of 10
Onramp.money5/10 out of 10
Quote honesty
by 3 of 10weight 6.2 of 86Koywe leads
Koywe5/10 out of 10
Onramp.money2/10 out of 10
Named licence
by 2 of 10weight 5.3 of 86Koywe leads
Koywe6/10 out of 10
Onramp.money4/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Onramp.money leads
Koywe3/10 out of 10
Onramp.money5/10 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
Koywe6/20Onramp.money12/20
Onramp.money leads
Published criteriaweight 30 of 86
Koywe10/30Onramp.money9.6/30
Koywe leads
Frictionweight 10 of 86 · constant here
Koywe2.7/10Onramp.money2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Koywe3.2/8Onramp.money3.2/8
Tie
Measured dataweight 18 of 86
Koywe8.3/18Onramp.money8.3/18
Tie
Decision rulePublished order
Choose Onramp.money unless the term Koywe leads on is the one you are buying.
Pick Koywe if quote honesty matters most — it scores 5/10 to Onramp.money's 2/10 there (weight 26).
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, Onramp.money 4/10)
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, Onramp.money 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, Onramp.money 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
Onramp.money scores 10 points above Koywe, led by purchase cost and KYC and speed. Published scores, out of 100: Koywe 41 (rank 13 of 16 onramps), Onramp.money 51 (rank 10 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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