Onramp.money vs Fonbnk Onramp.money leads by 10 points.
Onramp.money scores 10 points above Fonbnk, led by purchase cost and named licence. Onramp.money ranks #10 and Fonbnk #15 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Onramp.money51
vs
Fonbnk41
Scores are out of 100; published scores fall within 41–99 · ranks #10 and #15 of 16
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.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.
FactOnramp.moneyFonbnk
PricingSnapshotOnramp.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.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 fitSnapshotasia, latam, africaafrica, latam, asia
From the published criteria
Which should you pick?
Onramp.money
51#10 of 16
Leads
Pick it when
Pick Onramp.money if purchase cost matters most — it scores 5/10 to Fonbnk'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.
Fonbnk
41#15 of 16
Pick it when
Fonbnk leads Onramp.money 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?
Onramp.moneyLeads
Choose Onramp.money if purchase cost matters most
Purchase cost: 5/10 against 3/10 for Fonbnk (weight 34)
Named licence: 4/10 against 1/10 for Fonbnk (weight 22)
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.
Fonbnk
Fonbnk leads Onramp.money 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 86Onramp.money leads
Onramp.money5/10 out of 10
Fonbnk3/10 out of 10
Quote honesty
weight 6.2 of 86Tie
Onramp.money2/10 out of 10
Fonbnk2/10 out of 10
Named licence
by 3 of 10weight 5.3 of 86Onramp.money leads
Onramp.money4/10 out of 10
Fonbnk1/10 out of 10
KYC and speed
weight 4.3 of 86Tie
Onramp.money5/10 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
Onramp.money12/20Fonbnk12/20
Tie
Published criteriaweight 30 of 86
Onramp.money9.6/30Fonbnk6.4/30
Onramp.money leads
Frictionweight 10 of 86 · constant here
Onramp.money2.7/10Fonbnk2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Onramp.money3.2/8Fonbnk3.2/8
Tie
Measured dataweight 18 of 86
Onramp.money8.3/18Fonbnk2.8/18
Onramp.money leads
Decision rulePublished order
Choose Onramp.money unless the term Fonbnk leads on is the one you are buying.
Fonbnk leads Onramp.money 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% (Onramp.money 4/10, 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% (Onramp.money 2/10, 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% (Onramp.money 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
Onramp.money scores 10 points above Fonbnk, led by purchase cost and named licence. Published scores, out of 100: Onramp.money 51 (rank 10 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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