Transak scores 40 points above Koywe, led by purchase cost, quote honesty, and KYC and speed. Transak ranks #1 and Koywe #13 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Transak81
vs
Koywe41
Scores are out of 100; published scores fall within 41–99 · ranks #1 and #13 of 16
Published gapAfter score rounding and bounds — see the note below8141+40.0
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.
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.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.
FactTransakKoywe
PricingSnapshotTransak help-centre article "How does Transak calculate prices and fees?" (https://support.transak.com/en/articles/7845942-how-does-transak-calculate-prices-and-fees), fetched 28 September 2026, HTTP 200 ("Updated over 3 weeks ago"). On-ramp fees: SEPA Transfer "0.99% of transaction amount, minimum 1 EUR"; Credit / Debit Card (EUR) "3.5% of transaction amount + 1 EUR"; Credit / Debit Card (non-EUR) "5.5% of transaction amount + 1 EUR"; Apple Pay / Google Pay (EUR) "3.5% of transaction amount, minimum 1 EUR", (non-EUR) "5.5% of transaction amount, minimum 1 EUR". Rate: "The quoted rate reflects the rate provided via the publicly available market pricing tool CoinGecko at the time of the transaction, plus a spread of 0% to 2.5%, depending on how volatile the currency is at the time." (on 18 August 2026 the same sentence read "plus a spread of 2.5%"). Third-party fees (gas, validator, liquidity) are separate and "displayed before you confirm your transaction". Worked example (our arithmetic, not a Transak figure): a EUR 200 purchase by SEPA = EUR 1.98 fee plus a spread of 0 to 2.5 percent over CoinGecko, an all-in of roughly 1 to 3.5 percent plus network fees; by EUR card = EUR 8.00 fee plus the same spread, roughly 4 to 6.5 percent. A second, USD-denominated on-ramp fee table on transak.com/fees-pricing-calculation (linked as "Pricing & Fees" from the compliance page) prices cards and bank transfers differently and does not say which jurisdiction it applies to.No 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.
Asset coverageEditorial——
Region fitSnapshotus, europe, calatam
From the published criteria
Which should you pick?
Transak
81#1 of 16
Leads
Pick it when
Pick Transak if purchase cost matters most — it scores 7/10 to Koywe's 3/10 there (weight 34).
Strength
All in purchase cost — 7/10
Tradeoff
The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.
Koywe
41#13 of 16
Pick it when
Koywe leads Transak 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 — 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.
Self-identify in 10 seconds
Which one is actually for you?
TransakLeads
Choose Transak if purchase cost matters most
Purchase cost: 7/10 against 3/10 for Koywe (weight 34)
Quote honesty: 6/10 against 5/10 for Koywe (weight 26)
KYC and speed: 7/10 against 3/10 for Koywe (weight 18)
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.
Koywe
Koywe leads Transak on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
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.
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 4 of 10weight 8.2 of 86Transak leads
Transak7/10 out of 10
Koywe3/10 out of 10
Quote honesty
by 1 of 10weight 6.2 of 86Transak leads
Transak6/10 out of 10
Koywe5/10 out of 10
Named licence
weight 5.3 of 86Tie
Transak6/10 out of 10
Koywe6/10 out of 10
KYC and speed
by 4 of 10weight 4.3 of 86Transak leads
Transak7/10 out of 10
Koywe3/10 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
Transak12/20Koywe6/20
Transak leads
Published criteriaweight 30 of 86
Transak15.6/30Koywe10/30
Transak leads
Frictionweight 10 of 86 · constant here
Transak2.7/10Koywe2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Transak3.2/8Koywe3.2/8
Tie
Measured dataweight 18 of 86
Transak13.8/18Koywe8.3/18
Transak leads
Decision rulePublished order
Choose Transak unless the term Koywe leads on is the one you are buying.
Koywe leads Transak 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% (Transak 6/10, Koywe 6/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Transak 6/10, Koywe 5/10)
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% (Transak 7/10, Koywe 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
Transak scores 40 points above Koywe, led by purchase cost, quote honesty, and KYC and speed. Published scores, out of 100: Transak 81 (rank 1 of 16 onramps), Koywe 41 (rank 13 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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