MoonPay vs Unlimit Crypto MoonPay leads by 25 points.
MoonPay scores 25 points above Unlimit Crypto, led by purchase cost, quote honesty, and named licence. MoonPay ranks #3 and Unlimit Crypto #11 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
MoonPay70
vs
UNUnlimit Crypto45
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #11 of 16
MoonPay scores 25 points above Unlimit Crypto, led by purchase cost, quote honesty, and named licence.
MoonPay #3 of 1670
UNUnlimit Crypto #11 of 1645
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termMoonPay leads on 4 of 4 published criteria; Unlimit Crypto on 0. The terms sum to the gap.
TermMoonPayUnlimit CryptoWeightPoints
Purchase cost6/101/108.2+10.6for MoonPay+5.4 of 32
Quote honesty5/102/106.2+4.9for MoonPay+2.5 of 32
Named licence9/107/105.3+2.7for MoonPay+1.4 of 32
KYC and speed5/103/104.3+2.2for MoonPay+1.2 of 32
AvailabilityScore dimension141220+5.2for MoonPay
Net of the terms+25.7
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.2
Reproduced gap+25.5
Published gapAfter score rounding and bounds — see the note below7045+25.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
MoonPayScore 70Highest-distribution consumer/embedded fiat-to-crypto rail with the pool's deepest numbered licence stack — but an 'up to 4.5%' card fee cap plus an unquantified spread means the €200 all-in is only knowable inside the widget.Strength: Licence identity — 9/10Watch-out: Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'Unlimit CryptoScore 45Cyprus CySEC-authorised CASP onramp/offramp widget (Unlimit Crypto Ltd, 018/24, ΗΕ437355) whose ToS counterparty exactly matches the register — and whose price is unknowable in advance: no fee schedule exists anywhere, quotes live behind an authenticated API with no lock window, and the terms declare all orders final and non-refundable.Strength: Licence identity — 7/10Watch-out: You cannot know the price before you start and you have no refund right after you pay: no fee schedule exists anywhere on Unlimit's surfaces, the terms let the settled amount 'be different from the amounts presented to User', all orders are 'final and cannot be refunded/returned', Unlimit may cancel 'without advance notice... and without providing reason' — and your entire written recourse is a contact form and a complaint answered within 14 days under Cyprus law.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactMoonPayUnlimit Crypto
PricingSnapshotMoonPay "Pricing Disclosure" for MoonPay Europe B.V. (https://www.moonpay.com/legal/europe_pricing_disclosure), fetched 29 September 2026, HTTP 200. MoonPay fee, buy side: Payment Cards & Alternative Payment Methods "Up to 4.5%"; Bank Transfers "Up to 1%"; PayPal "Up to 4.5%". Minimum: "A minimum MoonPay fee of €3.99 will be applied if your transaction amount is below a minimum threshold." Direct access: "If you access the MoonPay platform directly, the MoonPay fee will be in an amount between 0% and 5%." Partner-referred: "If you were referred to the MoonPay platform by a partner, your MoonPay fee will be in an amount up to 4.5%, subject to a minimum MoonPay fee that will never be more than €/£/$4.50." Partner ecosystem fee: "This ecosystem fee is set by each partner and may not exceed 10% but is typically between 0% and 2%." Spread: "For MoonPay Rails services, MoonPay Europe may include a spread in the asset price shown to you during your transaction." with no percentage; the base price comes from "reputable, independent third parties every 10 seconds", none named. Network fee: "The network fee covers the costs associated with the transfer of a Crypto-Asset and may vary depending on a number of factors, such as network congestion and operational costs." Worked example (our arithmetic, not a MoonPay figure): a EUR 200 card purchase carries a MoonPay fee of up to EUR 9.00 (4.5 percent cap); by bank transfer up to EUR 2.00 (1 percent cap), or the EUR 3.99 minimum if EUR 200 is below the unstated threshold; each before the unquantified spread, the network fee and any partner ecosystem fee. The "small conversion fee" sentence quoted in the 18 August 2026 note belongs to the page's virtual-account section, not to the onramp.No published fee schedule. Unlimit Crypto User Terms (PDF at https://cdn.unlimit.com/site-crypto/wp-content/uploads/2025/06/27064344/2025-06-Unl-Crypto_User-TC_06.2025.pdf, "Last updated: 27.06.2025"), fetched 29 September 2026, HTTP 200, name fee types without a number: "Processing Fee is due for payment by User in Fiat." and "Any other fees that are applicable and effective at the time of User Order.", set "at the sole discretion of Unlimit Crypto" (section 5.1); "User Fees shall be presented to User prior to processing of User Order." (section 5.2). Numeric fees exist only per quote through the authenticated Get-a-quote API (fields processingFee, networkFee, markupFee on docs.gatefi.com). The former brand site www.crypto.unlimit.com, including /pricing/, now redirects (HTTP 301) to stable.com, an Unlimit-group stablecoin app whose User Terms (v2, 24.06.2026) also carry no onramp fee number. A EUR 200 all-in cannot be reconstructed from any published page.
Asset coverageEditorial——
Region fitSnapshotglobaleurope, latam, africa
From the published criteria
Which should you pick?
MoonPay
70#3 of 16
Leads
Pick it when
Pick MoonPay if purchase cost matters most — it scores 6/10 to Unlimit Crypto's 1/10 there (weight 34).
Strength
Licence identity — 9/10
Tradeoff
Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'
UN
Unlimit Crypto
45#11 of 16
Pick it when
Unlimit Crypto leads MoonPay 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
Licence identity — 7/10
Tradeoff
You cannot know the price before you start and you have no refund right after you pay: no fee schedule exists anywhere on Unlimit's surfaces, the terms let the settled amount 'be different from the amounts presented to User', all orders are 'final and cannot be refunded/returned', Unlimit may cancel 'without advance notice... and without providing reason' — and your entire written recourse is a contact form and a complaint answered within 14 days under Cyprus law.
Self-identify in 10 seconds
Which one is actually for you?
MoonPayLeads
Choose MoonPay if purchase cost matters most
Purchase cost: 6/10 against 1/10 for Unlimit Crypto (weight 34)
Quote honesty: 5/10 against 2/10 for Unlimit Crypto (weight 26)
Named licence: 9/10 against 7/10 for Unlimit Crypto (weight 22)
MoonPayScore 70Highest-distribution consumer/embedded fiat-to-crypto rail with the pool's deepest numbered licence stack — but an 'up to 4.5%' card fee cap plus an unquantified spread means the €200 all-in is only knowable inside the widget.Strength: Licence identity — 9/10Watch-out: Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'
UNUnlimit Crypto
Unlimit Crypto leads MoonPay on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Unlimit CryptoScore 45Cyprus CySEC-authorised CASP onramp/offramp widget (Unlimit Crypto Ltd, 018/24, ΗΕ437355) whose ToS counterparty exactly matches the register — and whose price is unknowable in advance: no fee schedule exists anywhere, quotes live behind an authenticated API with no lock window, and the terms declare all orders final and non-refundable.Strength: Licence identity — 7/10Watch-out: You cannot know the price before you start and you have no refund right after you pay: no fee schedule exists anywhere on Unlimit's surfaces, the terms let the settled amount 'be different from the amounts presented to User', all orders are 'final and cannot be refunded/returned', Unlimit may cancel 'without advance notice... and without providing reason' — and your entire written recourse is a contact form and a complaint answered within 14 days under Cyprus law.
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 5 of 10weight 8.2 of 86MoonPay leads
MoonPay6/10 out of 10
Unlimit Crypto1/10 out of 10
Quote honesty
by 3 of 10weight 6.2 of 86MoonPay leads
MoonPay5/10 out of 10
Unlimit Crypto2/10 out of 10
Named licence
by 2 of 10weight 5.3 of 86MoonPay leads
MoonPay9/10 out of 10
Unlimit Crypto7/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86MoonPay leads
MoonPay5/10 out of 10
Unlimit Crypto3/10 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
MoonPay14/20Unlimit Crypto12/20
MoonPay leads
Published criteriaweight 30 of 86
MoonPay14.9/30Unlimit Crypto7.1/30
MoonPay leads
Frictionweight 10 of 86 · constant here
MoonPay2.7/10Unlimit Crypto2.7/10
Tie
Trust recordweight 8 of 86 · constant here
MoonPay3.2/8Unlimit Crypto3.2/8
Tie
Measured dataweight 18 of 86
MoonPay8.3/18Unlimit Crypto8.3/18
Tie
Decision rulePublished order
Choose MoonPay unless the term Unlimit Crypto leads on is the one you are buying.
Unlimit Crypto leads MoonPay 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% (MoonPay 9/10, Unlimit Crypto 7/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (MoonPay 5/10, Unlimit Crypto 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% (MoonPay 5/10, Unlimit Crypto 3/10)
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
MoonPay scores 25 points above Unlimit Crypto, led by purchase cost, quote honesty, and named licence. Published scores, out of 100: MoonPay 70 (rank 3 of 16 onramps), Unlimit Crypto 45 (rank 11 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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