Onramp vs Zodia Custody

Onramp and Zodia Custody both operate in the dedicated custody space, but they take fundamentally different approaches to how your bitcoin is held. In our scoring model, Onramp holds a commanding lead at 90/100 (A) compared to Zodia Custody at 64/100 (C+). That 26-point gap reflects real, measurable differences in how each platform handles custody, fees, and transparency.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 44 points toward Onramp (94 vs. 50). Onramp eliminates single points of failure in its custody architecture, while Zodia Custody relies on a model where one compromised entity could put your bitcoin at risk. On fees, Onramp wins by 24 points. Onramp charges $250/mo compared to Custom at Zodia Custody. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Zodia Custody stands out on features (68 vs. 88), reflecting Zodia Custody's product breadth and tooling.

The Custody Question

Here's the key difference: Onramp has no single point of failure (Multi-Institution Custody), while Zodia Custody does (Single 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.

Bottom Line

Onramp is the clear choice here, outscoring Zodia Custody by 26 points across our six-category methodology. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Zodia Custody serves banking. One thing to watch with Zodia Custody: single custodian. newer entrant. limited track record.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.