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Onramp (dedicated custody) and Relai (exchange and brokerage) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? Onramp scores 90/100 (A) versus 78/100 (B+) for Relai. The 12-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 12 points toward Onramp (94 vs. 82). On fees, Onramp wins by 12 points. Onramp charges $250/mo compared to 1% - 1.5% at Relai. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Onramp's strongest advantage is in transparency (90 vs. 65), where Onramp's approach to proof-of-reserves and public documentation makes a measurable difference.
Both Onramp and Relai 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 Relai uses Non-Custodial.
Onramp edges out Relai by 12 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 bitcoin-only. european. auto-dca directly to your own wallet.. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Relai serves europe. One thing to watch with Relai: limited to european users. fewer financial services than us alternatives..
Based on our six-category scoring methodology, Onramp scores higher at 90/100 compared to 78/100. 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.
No. Relai has eliminated single-point-of-failure risk through its Non-Custodial model, distributing keys or access across multiple entities.
Onramp charges $250/mo. Relai charges 1% - 1.5%. Onramp scored 82/100 on fees versus 70/100 for Relai in our methodology.
Onramp offers dedicated inheritance or beneficiary features. Relai 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. Relai'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. Relai manages keys for you; you hold none. This is the core structural difference to weigh.