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Fit follows the custody model, not the brand.
Separate institutions each hold a key under their own ceremony; no one of them can move funds.
A regulated institution holds keys in segregated accounts under a legal framework built for it.
Onramp and Fidelity Digital Assets both operate in the dedicated custody space, but they take fundamentally different approaches to how your bitcoin is held. Onramp scores 90/100 (A) versus 76/100 (B) for Fidelity Digital Assets. The 14-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 7 points toward Onramp (97 vs. 90). Onramp eliminates single points of failure in its custody architecture, while Fidelity Digital Assets relies on a model where one compromised entity could put your bitcoin at risk. On fees, Onramp wins by 12 points. Onramp charges $250/mo compared to Custom at Fidelity Digital Assets. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Onramp's strongest advantage is in features (88 vs. 55), where Onramp's product breadth and tooling makes a measurable difference.
Here's the key difference: Onramp has no single point of failure (Multi-Institution Custody), while Fidelity Digital Assets does (Qualified Custodian). 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.
Onramp edges out Fidelity Digital Assets by 14 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 only platform with multiple regulated custodians and jurisdictions. inheritance, dynasty trusts, insurance on segregated incidents. over backed by fidelity's brand and balance sheet. regulated. soc 2 type 2.. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Fidelity Digital Assets serves tradfi. One thing to watch with Fidelity Digital Assets: single custodian. traditional finance approach to a novel asset class..
Based on our six-category scoring methodology, Onramp scores higher at 90/100 compared to 76/100. 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 scored 97/100 on custody and security in our methodology. It has no single point of failure, distributing custody across multiple entities. Its custody model is classified as Multi-Institution Custody. Always verify these details and do your own research.
Yes. Fidelity Digital Assets uses a Qualified Custodian model, which means a single compromised entity could put your bitcoin at risk. This is a structural concern for long-term holders.
Onramp charges $250/mo. Fidelity Digital Assets charges Custom. Onramp scored 84/100 on fees versus 72/100 for Fidelity Digital Assets in our methodology.
Onramp offers dedicated inheritance or beneficiary features. Fidelity Digital Assets does not advertise a dedicated inheritance feature. Match the mechanism, whether beneficiary designation, trust titling, or key inheritance, to your estate plan.
Onramp carries insurance of up to $100 million per incident, through Lloyd's of London. Fidelity Digital Assets'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 manages keys for you; you hold none. Fidelity Digital Assets manages keys for you; you hold none. This is the core structural difference to weigh.