Scores last updated
Fit follows the custody model, not the brand. Both platforms here run the same model, so the honest answer is one answer.
A regulated institution holds keys in segregated accounts under a legal framework built for it.
Onramp Finance and Relai 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 78/100 (B+) for Relai. The 11-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 13 points toward Onramp Finance (95 vs. 82). On fees, Onramp Finance wins by 15 points. Onramp Finance charges 0.59% one-time compared to 1% - 1.5% at Relai. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Onramp Finance's strongest advantage is in transparency (90 vs. 65), where Onramp Finance's approach to proof-of-reserves and public documentation makes a measurable difference.
Relai has an architectural advantage: no single point of failure (Non-Custodial), 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 Relai by 11 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 bitcoin-only. european. auto-dca directly to your own wallet.. Keep in mind these platforms target different audiences — Onramp Finance is built for retail & dca, while Relai serves europe. One thing to watch with Relai: limited to european users. fewer financial services than us alternatives..
Based on our six-category scoring methodology, Onramp Finance scores higher at 89/100 compared to 78/100. 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 95/100 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. Relai has eliminated single-point-of-failure risk through its Non-Custodial model, distributing keys or access across multiple entities.
Onramp Finance charges 0.59% one-time. Relai charges 1% - 1.5%. Onramp Finance scored 85/100 on fees versus 70/100 for Relai in our methodology.
Onramp Finance does not advertise a dedicated inheritance feature. Relai 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. Relai'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. Relai manages keys for you; you hold none. This is the core structural difference to weigh.