Koywe vs Topper (Uphold) Topper (Uphold) leads by 13 points.
Topper (Uphold) scores 13 points above Koywe, led by purchase cost and KYC and speed. Koywe ranks #13 and Topper (Uphold) #8 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Koywe41
vs
TOTopper (Uphold)54
Scores are out of 100; published scores fall within 41–99 · ranks #13 and #8 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.2
Reproduced gap+17.7
Published gapAfter score rounding and bounds — see the note below5441+13.0
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.
Topper (Uphold)Score 54Uphold's self-custody onramp widget — 200+ assets by card, Apple/Google Pay, PayPal, Venmo and PIX (Brazil-only local rail), riding four Uphold entities; its fee article (edited 2026-06-29) prices cards at 4.25% and Pix at 4.89% with a $3.99 minimum but never mentions a spread, and its 0.99% SEPA rail serves no EEA buyer: on 2026-09-29 every EEA state sat on its unsupported list.Strength: All in purchase cost — 5/10Watch-out: The fee is published but the price is not: Topper's fee article (edited 2026-06-29, read 2026-09-29) charges 4.25% by card and 4.89% by PIX with a $3.99 minimum but never mentions an exchange-rate spread, partner fees are added on top ('Order Detail Fee = Topper's Fee + Partner's Fee'), and the terms say every purchase is final while committing to no delivery window and no benchmark for the rate.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.
FactKoyweTopper (Uphold)
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.Topper help article "Topper costs and fees" (https://support.topperpay.com/hc/en-us/articles/8926549324444-Topper-costs-and-fees, last edited 29 June 2026; the HTML page returns HTTP 403 to non-browser clients, so it was read through the help-centre API, HTTP 200, fetched 29 September 2026). Topperpay.com buying fees by payment method: Credit/Debit cards "4.25%"; Google Pay "4.25%"; Apple Pay "4.25%"; SEPA bank transfer "0.99%"; Pix "4.89%"; PayPal "4.25%"; Venmo "4.25%". "The minimum fee applied to any transaction is $3.99 USD." Partner orders: "Order Detail Fee = Topper's Fee + Partner's Fee." Network fees "are a separate charge from Topper's buying or selling fees". The article says nothing about an exchange-rate spread. Worked example (our arithmetic, not a Topper figure): a purchase worth EUR 200 costs 4.25 percent (about EUR 8.50) by card or 4.89 percent (about EUR 9.78) by Pix, plus network fee and any partner fee; the 0.99 percent SEPA fee would fall below the $3.99 USD minimum at that size, but every EEA country is on Topper's unsupported list since the MiCA transition ended. The 18 August 2026 note quoted a percentage range from a 17 October 2025 archive of this article; the live article carries this schedule instead.
Asset coverageEditorial——
Region fitSnapshotlatamus, ca, europe
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 Topper (Uphold)'s 3/10 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.
TO
Topper (Uphold)
54#8 of 16
Leads
Pick it when
Pick Topper (Uphold) 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 fee is published but the price is not: Topper's fee article (edited 2026-06-29, read 2026-09-29) charges 4.25% by card and 4.89% by PIX with a $3.99 minimum but never mentions an exchange-rate spread, partner fees are added on top ('Order Detail Fee = Topper's Fee + Partner's Fee'), and the terms say every purchase is final while committing to no delivery window and no benchmark for the rate.
Self-identify in 10 seconds
Which one is actually for you?
Koywe
Choose Koywe if quote honesty matters most
Quote honesty: 5/10 against 3/10 for Topper (Uphold) (weight 26)
Named licence: 6/10 against 5/10 for Topper (Uphold) (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.
TOTopper (Uphold)Leads
Choose Topper (Uphold) 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)
Topper (Uphold)Score 54Uphold's self-custody onramp widget — 200+ assets by card, Apple/Google Pay, PayPal, Venmo and PIX (Brazil-only local rail), riding four Uphold entities; its fee article (edited 2026-06-29) prices cards at 4.25% and Pix at 4.89% with a $3.99 minimum but never mentions a spread, and its 0.99% SEPA rail serves no EEA buyer: on 2026-09-29 every EEA state sat on its unsupported list.Strength: All in purchase cost — 5/10Watch-out: The fee is published but the price is not: Topper's fee article (edited 2026-06-29, read 2026-09-29) charges 4.25% by card and 4.89% by PIX with a $3.99 minimum but never mentions an exchange-rate spread, partner fees are added on top ('Order Detail Fee = Topper's Fee + Partner's Fee'), and the terms say every purchase is final while committing to no delivery window and no benchmark for the rate.
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 86Topper (Uphold) leads
Koywe3/10 out of 10
Topper (Uphold)5/10 out of 10
Quote honesty
by 2 of 10weight 6.2 of 86Koywe leads
Koywe5/10 out of 10
Topper (Uphold)3/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86Koywe leads
Koywe6/10 out of 10
Topper (Uphold)5/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Topper (Uphold) leads
Koywe3/10 out of 10
Topper (Uphold)5/10 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
Koywe6/20Topper (Uphold)12/20
Topper (Uphold) leads
Published criteriaweight 30 of 86
Koywe10/30Topper (Uphold)10.8/30
Topper (Uphold) leads
Frictionweight 10 of 86 · constant here
Koywe2.7/10Topper (Uphold)2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Koywe3.2/8Topper (Uphold)3.2/8
Tie
Measured dataweight 18 of 86
Koywe8.3/18Topper (Uphold)8.3/18
Tie
Decision rulePublished order
Choose Topper (Uphold) unless the term Koywe leads on is the one you are buying.
Pick Koywe if quote honesty matters most — it scores 5/10 to Topper (Uphold)'s 3/10 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, Topper (Uphold) 5/10)
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, Topper (Uphold) 3/10)
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, Topper (Uphold) 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
Topper (Uphold) scores 13 points above Koywe, led by purchase cost and KYC and speed. Published scores, out of 100: Koywe 41 (rank 13 of 16 onramps), Topper (Uphold) 54 (rank 8 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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