Replace Your Bank with Onramp

Your Bank Is Obsolete

Traditional banks pay you 0.01% on your savings while charging 7%+ on loans. They operate on fractional reserves — lending out your deposits to generate profits they don't share with you. And if the bank fails? FDIC covers $250,000. Everything above that is at risk.

As Saifedean Ammous writes in The Bitcoin Standard, the entire fractional reserve banking system is built on a foundation of trust that banks have repeatedly violated. From the 2008 financial crisis to Silicon Valley Bank's collapse in 2023, the pattern is clear: banks take risks with your money and socialize the losses.

Onramp Finance is the alternative.

One Platform. Every Financial Service.

Buy Bitcoin — Lowest Cost

Onramp is the lowest-cost Bitcoin brokerage. No hidden spreads. No markup games. When you buy Bitcoin on Onramp, you get the best execution price available. Period.

Dollar-cost average daily, weekly, or monthly. Set it and forget it. Your Bitcoin accumulates in Multi-Institution Custody automatically.

Earn 5% on Cash

Your idle cash earns 5% APY through Onramp's stablecoin-powered yield account. No lockups. No minimum balance. Withdraw anytime.

Compare that to:

• Chase checking: 0.01%
• Marcus high-yield: 4.0%
• Ally savings: 3.8%

Your cash works harder at Onramp.

1.5% Bitcoin Rewards Card

Every purchase earns 1.5% Bitcoin back. No annual fee. No foreign transaction fees. No category restrictions. Every dollar you spend is a small Bitcoin purchase.

Borrow Against Bitcoin

Need cash? Borrow against your Bitcoin instead of selling. No taxable event. No lost upside. Your collateral stays in Multi-Institution Custody — never rehypothecated.

Bitcoin IRA

Tax-advantaged Bitcoin investing for retirement. Zero trading fees. Rollover from existing 401(k), IRA, or SEP. Your retirement Bitcoin secured by MIC.

Multi-Institution Custody

Every product on Onramp is built on the same custody foundation: private keys distributed across BitGo, Coinbase, and Anchor Watch. $1B+ in assets. Zero security incidents. No single point of failure.

Why Not Just Use Separate Services?

You could cobble together River for buying, Fold for the card, Unchained for custody, and a bank for savings. But:

• Multiple custodians means multiple security surfaces and no unified risk management
• Multiple accounts means no integration between buying, saving, spending, and borrowing
• Multiple fees across platforms add up
• No single view of your complete Bitcoin financial picture

Onramp consolidates everything into one platform with one custody solution.

Service | Traditional Stack | Onramp

Buy Bitcoin | River or Swan | **Included — lowest cost**

Savings yield | Marcus or Ally (3.8-4%) | **5% APY**

Rewards card | Fold (variable) | **1.5% flat Bitcoin back**

Bitcoin loans | Unchained | **Included — no rehypothecation**

Retirement | iTrustCapital + IRA custodian | **Included — zero trading fees**

Custody | Casa or single custodian | **Multi-Institution (3 custodians)**

Accounts to manage | 4-6 separate platforms | **1 platform**

The Onramp Vision

Parker Lewis wrote that Bitcoin obsoletes all other money. Onramp is building the financial infrastructure for that reality. Not a crypto casino. Not a trading platform. A complete financial services platform for people who understand that Bitcoin is the base layer of a new financial system.

Every product is Bitcoin-only. Every product is secured by Multi-Institution Custody. Every product is designed for long-term holders, not day traders.

This is banking, rebuilt on a sound money foundation.

Getting Started

1. Open your Onramp account in under 10 minutes
2. Fund via bank transfer (ACH or wire)
3. Access every financial product through one dashboard
4. All assets secured by Multi-Institution Custody

Replace your bank. Upgrade your financial life.

Frequently Asked Questions

Can Onramp replace my bank?

Onramp Finance provides the core services of a bank — savings (5% yield), spending (1.5% Bitcoin rewards card), lending (Bitcoin-backed loans), and retirement (Bitcoin IRA) — all through one platform. Unlike banks, your assets are secured by Multi-Institution Custody, not fractional reserves.

What services does Onramp Finance offer?

Onramp Finance offers Bitcoin purchasing (lowest-cost brokerage), 5% cash yield, 1.5% Bitcoin rewards card, Bitcoin-backed lending, Bitcoin IRA, inheritance planning, and institutional custody. All services are secured by Multi-Institution Custody across BitGo, Coinbase, and Anchor Watch.

Is Onramp FDIC insured?

Onramp is not a bank and does not carry FDIC insurance. However, Onramp's Multi-Institution Custody provides a different form of protection: distributing assets across three independent regulated custodians eliminates the single-institution risk that FDIC insurance is designed to address.

How does Onramp compare to traditional banks?

Traditional banks pay 0.01-0.5% on savings and operate on fractional reserves. Onramp pays 5% APY, offers Bitcoin rewards, Bitcoin-backed lending, and IRA services — all secured by Multi-Institution Custody without fractional reserve risk.

Is Onramp Bitcoin-only?

Yes. Onramp is a Bitcoin-only platform. No altcoins, no tokens, no memecoins. Every product is designed for serious Bitcoin holders who understand that Bitcoin is the only decentralized, sound money asset.