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Onramp Finance (exchange and brokerage) and Foundation (Passport) (hardware) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? The scores are close — Onramp Finance at 89/100 (A) and Foundation (Passport) at 81/100 (B+). When the gap is this narrow, the details matter: custody model, single points of failure, and the fine print on fees.
Custody and security — the most heavily weighted category in our methodology at 35% — tilts 12 points toward Onramp Finance (94 vs. 82). On fees, Foundation (Passport) wins by 10 points. Foundation (Passport) charges ~$200 compared to 0.59% one-time at Onramp Finance. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Onramp Finance's strongest advantage is in features (86 vs. 70), where Onramp Finance's product breadth and tooling makes a measurable difference.
Foundation (Passport) has an architectural advantage: no single point of failure (Hardware Wallet), compared to Onramp Finance's Qualified Custodian (BitGo) model. When a platform controls all the keys or relies on a single custodian, you're trusting one entity with everything. The collapses of 2022 — FTX, Celsius, Voyager — demonstrated why eliminating single points of failure isn't optional, it's essential.
Onramp Finance edges out Foundation (Passport) by 8 points. It's a close call, and the right choice depends on your specific situation — how much bitcoin you're holding, how often you need access, and whether you prioritize lowest cost one-time buys at 59bps. earn 3% on cash, 1.5% card rewards, lending available. over open source hardware and software. beautiful industrial design. bitcoin-only.. Keep in mind these platforms target different audiences — Onramp Finance is built for retail & dca, while Foundation (Passport) serves bitcoin purists. One thing to watch with Foundation (Passport): smaller company. physical exposure risk. self-custody burden..
Based on our six-category scoring methodology, Onramp Finance scores higher at 89/100 compared to 81/100. 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.
No. Foundation (Passport) has eliminated single-point-of-failure risk through its Hardware Wallet model, distributing keys or access across multiple entities.
Onramp Finance charges 0.59% one-time. Foundation (Passport) charges ~$200. Onramp Finance scored 80/100 on fees versus 90/100 for Foundation (Passport) in our methodology.
Onramp Finance does not advertise a dedicated inheritance feature. Foundation (Passport) does not advertise a dedicated inheritance feature. Match the mechanism, whether beneficiary designation, trust titling, or key inheritance, to your estate plan.
Onramp Finance's custody insurance is not publicly disclosed. Foundation (Passport)'s custody insurance is not publicly disclosed. Custody insurance covers specific named events up to shared limits, not price loss or every failure mode. Verify current terms before relying on coverage.
Onramp Finance manages keys for you; you hold none. Foundation (Passport) involves the holder in key control. This is the core structural difference to weigh.