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Onramp (dedicated custody) and Onramp Finance (exchange and brokerage) 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 at 90/100 (A) and Onramp Finance at 89/100 (A). When the gap is this narrow, the details matter: custody model, single points of failure, and the fine print on fees.
On custody and security, these two are within 0 points of each other (94 vs. 94). 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.
Here's the key difference: Onramp has no single point of failure (Multi-Institution Custody), while Onramp Finance does (Qualified Custodian (BitGo)). 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 Onramp Finance by 1 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 distributing keys across multiple regulated custodians and jurisdictions. inheritance, dynasty trusts, insurance on segregated incidents. over lowest cost one-time buys at 59bps. earn 3% on cash, 1.5% card rewards, lending available.. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Onramp Finance serves retail & dca. One thing to watch with Onramp Finance: single party custody through bitgo. not multi-institution..
Based on our six-category scoring methodology, Onramp scores higher at 90/100 compared to 89/100. 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 94/100 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. Onramp Finance uses a Qualified Custodian (BitGo) 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. Onramp Finance charges 0.59% one-time. Onramp scored 82/100 on fees versus 80/100 for Onramp Finance in our methodology.
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 offers dedicated inheritance or beneficiary features. Onramp Finance 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. Onramp Finance'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. Onramp Finance manages keys for you; you hold none. This is the core structural difference to weigh.