Onramp Finance and Fidelity Crypto both operate in the exchange and brokerage space, but they take fundamentally different approaches to how your bitcoin is held. Onramp Finance scores 89/100 (A) versus 74/100 (B) for Fidelity Crypto. The 15-point spread is meaningful — it usually comes down to custody architecture and fee structure.
Custody and security — the most heavily weighted category in our methodology at 35% — tilts 24 points toward Onramp Finance (94 vs. 70). Both platforms carry single-point-of-failure risk, but Onramp Finance mitigates it more effectively through its Qualified Custodian (BitGo) approach. On fees, Onramp Finance wins by 5 points. Onramp Finance charges 0.59% one-time compared to 1% spread at Fidelity Crypto. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators.
Neither Onramp Finance nor Fidelity Crypto has fully eliminated single-point-of-failure risk. Onramp Finance uses Qualified Custodian (BitGo) and Fidelity Crypto uses Single Custodian. Both models leave your bitcoin exposed to custodial concentration risk — if that one entity fails, your bitcoin could be locked, seized, or lost. For long-term holders, this is the most important factor to weigh.
Onramp Finance is the clear choice here, outscoring Fidelity Crypto by 15 points across our six-category methodology. Keep in mind these platforms target different audiences — Onramp Finance is built for retail & dca, while Fidelity Crypto serves traditional. One thing to watch with Fidelity Crypto: limited to three cryptocurrencies. single custodian.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.
Based on our six-category scoring methodology, Onramp Finance scores higher at 89/100 compared to 74/100. The biggest differentiator is custody security, which accounts for 35% of the overall score. However, the right choice depends on your individual needs — review the category breakdown above.
Onramp Finance scored 94/100 on custody and security in our methodology. It does carry single-point-of-failure risk, meaning your bitcoin depends on one entity's security. Its custody model is classified as Qualified Custodian (BitGo). Always verify these details and do your own research.
Yes. Fidelity Crypto uses a Single Custodian model, which means a single compromised entity could put your bitcoin at risk. This is a structural concern for long-term holders.
Onramp Finance charges 0.59% one-time. Fidelity Crypto charges 1% spread. Onramp Finance scored 80/100 on fees versus 75/100 for Fidelity Crypto in our methodology.