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Fit follows the custody model, not the brand. Both platforms here run the same model, so the honest answer is one answer.
Separate institutions each hold a key under their own ceremony; no one of them can move funds.
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Onramp (dedicated custody) and Onramp Lending (yield and lending) 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 Lending at 83/100 (A-). 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 9 points toward Onramp (97 vs. 88). On fees, Onramp wins by 6 points. Onramp charges $250/mo compared to Varies by loan at Onramp Lending. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators.
Both Onramp and Onramp Lending have addressed the single-point-of-failure problem — neither relies on a single custodian or a single set of keys. That puts both platforms ahead of the majority of the industry. The difference comes down to implementation: Onramp uses Multi-Institution Custody, while Onramp Lending uses Multi-Institution Collateral.
Onramp edges out Onramp Lending by 7 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 borrow against btc with multi-institution collateral custody. no rehypothecation.. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Onramp Lending serves hnw borrowers. One thing to watch with Onramp Lending: higher minimums. newer lending product. liquidation risk in volatility..
Based on our six-category scoring methodology, Onramp scores higher at 90/100 compared to 83/100. 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.
No. Onramp Lending has eliminated single-point-of-failure risk through its Multi-Institution Collateral model, distributing keys or access across multiple entities.
Onramp charges $250/mo. Onramp Lending charges Varies by loan. Onramp scored 84/100 on fees versus 78/100 for Onramp Lending in our methodology.
Onramp offers dedicated inheritance or beneficiary features. Onramp Lending 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 Lending'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 Lending manages keys for you; you hold none. This is the core structural difference to weigh.