Unlimit Crypto vs Fonbnk Unlimit Crypto leads by 4 points.
Unlimit Crypto scores 4 points above Fonbnk, led by named licence. Unlimit Crypto ranks #11 and Fonbnk #15 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
UNUnlimit Crypto45
vs
Fonbnk41
Scores are out of 100; published scores fall within 41–99 · ranks #11 and #15 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+16.1
Published gapAfter score rounding and bounds — see the note below4541+4.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
Unlimit Crypto's lead rests on lighter criteria: Fonbnk is ahead on purchase cost, which carries more weight (34) than any criterion Unlimit Crypto leads on (22).
A floor bound on one row means the criterion arithmetic does not reproduce the displayed gap exactly.
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.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.
FactUnlimit CryptoFonbnk
PricingSnapshotNo 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.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 fitSnapshoteurope, latam, africaafrica, latam, asia
From the published criteria
Which should you pick?
UN
Unlimit Crypto
45#11 of 16
Leads
Pick it when
Pick Unlimit Crypto if named licence matters most — it scores 7/10 to Fonbnk's 1/10 there (weight 22).
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.
Fonbnk
41#15 of 16
Pick it when
Pick Fonbnk if purchase cost matters most — it scores 3/10 to Unlimit Crypto's 1/10 there (weight 34).
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?
UNUnlimit CryptoLeads
Choose Unlimit Crypto if named licence matters most
Named licence: 7/10 against 1/10 for Fonbnk (weight 22)
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.
Fonbnk
Choose Fonbnk if purchase cost matters most
Purchase cost: 3/10 against 1/10 for Unlimit Crypto (weight 34)
KYC and speed: 5/10 against 3/10 for Unlimit Crypto (weight 18)
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 86Fonbnk leads
Unlimit Crypto1/10 out of 10
Fonbnk3/10 out of 10
Quote honesty
weight 6.2 of 86Tie
Unlimit Crypto2/10 out of 10
Fonbnk2/10 out of 10
Named licence
by 6 of 10weight 5.3 of 86Unlimit Crypto leads
Unlimit Crypto7/10 out of 10
Fonbnk1/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Fonbnk leads
Unlimit Crypto3/10 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
Unlimit Crypto12/20Fonbnk12/20
Tie
Published criteriaweight 30 of 86
Unlimit Crypto7.1/30Fonbnk6.4/30
Unlimit Crypto leads
Frictionweight 10 of 86 · constant here
Unlimit Crypto2.7/10Fonbnk2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Unlimit Crypto3.2/8Fonbnk3.2/8
Tie
Measured dataweight 18 of 86
Unlimit Crypto8.3/18Fonbnk2.8/18
Unlimit Crypto leads
Decision rulePublished order
Choose Unlimit Crypto unless the term Fonbnk leads on is the one you are buying.
Pick Fonbnk if purchase cost matters most — it scores 3/10 to Unlimit Crypto's 1/10 there (weight 34).
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% (Unlimit Crypto 7/10, 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% (Unlimit Crypto 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% (Unlimit Crypto 3/10, 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
Unlimit Crypto scores 4 points above Fonbnk, led by named licence. Published scores, out of 100: Unlimit Crypto 45 (rank 11 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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