Onramp vs Onramp Lending

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 84/100 (A-). When the gap is this narrow, the details matter: custody model, single points of failure, and the fine print on fees.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 6 points toward Onramp (94 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.

The Custody Question

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.

Bottom Line

Onramp edges out Onramp Lending by 6 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 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..