Onramp Lending vs Sygnum

Onramp Lending (yield and lending) and Sygnum (dedicated custody) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? Onramp Lending scores 84/100 (A-) versus 67/100 (B-) for Sygnum. The 17-point spread is meaningful — it usually comes down to custody architecture and fee structure.

Where Each Platform Wins

On custody and security, these two are within 3 points of each other (88 vs. 85). When custody scores are this close, look at the specifics: key management model, insurance coverage, and whether either platform has a single point of failure. On fees, Onramp Lending wins by 21 points. Onramp Lending charges Varies by loan compared to Custom at Sygnum. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Onramp Lending's strongest advantage is in features (84 vs. 60), where Onramp Lending's product breadth and tooling makes a measurable difference.

The Custody Question

Here's the key difference: Onramp Lending has no single point of failure (Multi-Institution Collateral), while Sygnum does (Regulated Bank). This matters because a single-point-of-failure model means one compromised entity — whether through a hack, insolvency, or government action — could result in total loss of funds. History has proven this risk is not theoretical. FTX, Celsius, and BlockFi all represented single points of failure for their users.

Bottom Line

Onramp Lending is the clear choice here, outscoring Sygnum by 17 points across our six-category methodology. Keep in mind these platforms target different audiences — Onramp Lending is built for hnw borrowers, while Sygnum serves swiss. One thing to watch with Sygnum: single custodian. swiss jurisdiction only. premium pricing.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.