Ramp Network vs Kotani Pay Ramp Network leads by 29 points.
Ramp Network scores 29 points above Kotani Pay, led by purchase cost, quote honesty, and named licence. Ramp Network ranks #4 and Kotani Pay #16 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
RARamp Network70
vs
Kotani Pay41
Scores are out of 100; published scores fall within 41–99 · ranks #4 and #16 of 16
Published gapAfter score rounding and bounds — see the note below7041+29.0
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.
Ramp NetworkScore 70Developer-first embedded onramp with a fully published per-rail fee-cap schedule (card up to 3.9% USD/EUR/GBP, manual bank up to 1.40%, min up to €2.49) and a numbered three-entity licence stack (FCA 928783, FinCEN MSB 31000287566749, CBI MiCA CASP) — but the rate is struck when your payment reaches its account, so the confirm-screen number is explicitly not guaranteed.Strength: Licence identity — 8/10Watch-out: The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.Kotani PayScore 41FSCA-licensed (FSP 53594, register-verified) African mobile-money on/off-ramp API for integrators — but with no public fee number anywhere, a Terms page that 404s, and sales-call-gated onboarding, the buy-flow contract a retail buyer could check is simply not published.Strength: Licence identity — 4/10Watch-out: You cannot learn the price, the terms, or the delivery promise before committing: no fee number exists on any public page, the Terms and Conditions URL returns 404, and access itself requires booking a sales call — the licence is real, but everything a buyer would check before trusting money to the rail is unpublished.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactRamp NetworkKotani Pay
PricingSnapshotRamp Network help article "What fees are charged when buying crypto?" (https://support.rampnetwork.com/en/articles/10415-what-fees-does-ramp-network-charge-for-buying-crypto, dated "June 25, 2025"), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. Buy-side fees (minimum fee, fee percentage): Bank transfers (manual) "Up to €2.49", "Up to 1.40%"; Easy Bank transfers "Up to €2.49", "Up to 2.40%"; Credit or debit cards (USD, EUR, GBP) "Up to €2.49", "Up to 3.9%"; Credit or debit cards (other currencies) "Up to €2.49" (local equivalent), "Up to 5.45%"; Pix "Up to €2.49", "Up to 2.90%"; Apple Pay and Google Pay "Same as the underlying card". The page says "The fees listed here apply to transactions on our own platform" and that partners may add their own fee. Network fee: "The network fee is determined by miners/validators on the blockchain in question." Rate: "the amount of crypto you receive is based on the exchange rate at the time your payment reaches our account"; no spread percentage and no named benchmark. Worked example (our arithmetic, not a Ramp figure): a EUR 200 purchase by manual bank transfer carries a Ramp fee of at most EUR 2.80 (1.40 percent cap), by EUR card at most EUR 7.80 (3.9 percent cap); the minimum fee does not bind at EUR 200; network fee and any partner fee are extra.No fee number is published. The entire fee disclosure is one FAQ answer on the Kotani Pay homepage (https://kotanipay.com/, fetched 29 September 2026, HTTP 200; the answer text ships in the page's script bundle): "Are there any fees associated with using Kotani Pay?" answered "Yes, we charge an on-ramp/off ramp free based on the product." [sic, "free" for "fee"]. The /on-off-ramp product page carries no numbers, and the docs On-Ramp guide that should carry them (https://docs.kotanipay.com/docs/kotani-pay-on-ramp, and its .md copy on kotani-pay.readme.io) still returns HTTP 404 on 29 September 2026 while the docs index still links it. No purchase can be priced from a published page.
Asset coverageEditorial——
Region fitSnapshotglobal, us, europeafrica
From the published criteria
Which should you pick?
RA
Ramp Network
70#4 of 16
Leads
Pick it when
Pick Ramp Network if purchase cost matters most — it scores 6/10 to Kotani Pay's 1/10 there (weight 34).
Strength
Licence identity — 8/10
Tradeoff
The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
Kotani Pay
41#16 of 16
Pick it when
Kotani Pay leads Ramp Network 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 — 4/10
Tradeoff
You cannot learn the price, the terms, or the delivery promise before committing: no fee number exists on any public page, the Terms and Conditions URL returns 404, and access itself requires booking a sales call — the licence is real, but everything a buyer would check before trusting money to the rail is unpublished.
Self-identify in 10 seconds
Which one is actually for you?
RARamp NetworkLeads
Choose Ramp Network if purchase cost matters most
Purchase cost: 6/10 against 1/10 for Kotani Pay (weight 34)
Quote honesty: 5/10 against 2/10 for Kotani Pay (weight 26)
Named licence: 8/10 against 4/10 for Kotani Pay (weight 22)
Ramp NetworkScore 70Developer-first embedded onramp with a fully published per-rail fee-cap schedule (card up to 3.9% USD/EUR/GBP, manual bank up to 1.40%, min up to €2.49) and a numbered three-entity licence stack (FCA 928783, FinCEN MSB 31000287566749, CBI MiCA CASP) — but the rate is struck when your payment reaches its account, so the confirm-screen number is explicitly not guaranteed.Strength: Licence identity — 8/10Watch-out: The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
Kotani Pay
Kotani Pay leads Ramp Network on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Kotani PayScore 41FSCA-licensed (FSP 53594, register-verified) African mobile-money on/off-ramp API for integrators — but with no public fee number anywhere, a Terms page that 404s, and sales-call-gated onboarding, the buy-flow contract a retail buyer could check is simply not published.Strength: Licence identity — 4/10Watch-out: You cannot learn the price, the terms, or the delivery promise before committing: no fee number exists on any public page, the Terms and Conditions URL returns 404, and access itself requires booking a sales call — the licence is real, but everything a buyer would check before trusting money to the rail is unpublished.
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 86Ramp Network leads
Ramp Network6/10 out of 10
Kotani Pay1/10 out of 10
Quote honesty
by 3 of 10weight 6.2 of 86Ramp Network leads
Ramp Network5/10 out of 10
Kotani Pay2/10 out of 10
Named licence
by 4 of 10weight 5.3 of 86Ramp Network leads
Ramp Network8/10 out of 10
Kotani Pay4/10 out of 10
KYC and speed
by 4 of 10weight 4.3 of 86Ramp Network leads
Ramp Network6/10 out of 10
Kotani Pay2/10 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
Ramp Network14/20Kotani Pay6/20
Ramp Network leads
Published criteriaweight 30 of 86
Ramp Network14.8/30Kotani Pay5/30
Ramp Network leads
Frictionweight 10 of 86 · constant here
Ramp Network2.7/10Kotani Pay2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Ramp Network3.2/8Kotani Pay3.2/8
Tie
Measured dataweight 18 of 86
Ramp Network8.3/18Kotani Pay8.3/18
Tie
Decision rulePublished order
Choose Ramp Network unless the term Kotani Pay leads on is the one you are buying.
Kotani Pay leads Ramp Network 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% (Ramp Network 8/10, Kotani Pay 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% (Ramp Network 5/10, Kotani Pay 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% (Ramp Network 6/10, Kotani Pay 2/10)
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
Ramp Network scores 29 points above Kotani Pay, led by purchase cost, quote honesty, and named licence. Published scores, out of 100: Ramp Network 70 (rank 4 of 16 onramps), Kotani Pay 41 (rank 16 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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