Onramp Money alternative for apps whose users cash out
If purchases must reach a user's wallet address directly, or you list many tokens, stay with Onramp Money. Apps whose users mostly sell stablecoins for local money can use Unigox as an Onramp Money alternative, by widget or API.
When Unigox fits better than Onramp Money
Your users sell stablecoins for local money
A Unigox sale pays out to your user's bank or mobile money account, through a P2P merchant or a payment business. Onramp Money's own docs mark off-ramp as coming soon in several currencies it already takes for purchases, and leave other currencies off the list.
You want your markup paid when the sale completes
Your widget markup on each sale is paid to your partner wallet in crypto when the sale completes. Onramp Money adds up partner fees and charges over the month and invoices the total at month end.
See the Crypto widgetYou pay and collect for customers from your backend
The Payments API pays your customers from USDT or USDC in your partner wallet and takes their local bank or mobile money payments back into it. Your fee applies to each completed order, and a quote can limit the order to payment businesses. Onramp Money's salary payouts also take USDT, USDC or fiat, for salaries and freelance payments; its payout countries are listed inside the dashboard.
See the Payments API
When to stay with Onramp Money
Purchases must land at the address in one step
Onramp Money sends the crypto it buys on-chain straight to the address your app passes. The Unigox widget's buy-with-sendout mode lands the purchase in the user's Unigox Wallet first. The user then confirms one more step that sends it to the address your site set, with the bridge fee shown.
You list many tokens and chains
Onramp Money supports more than 400 tokens on networks such as Ethereum, Polygon, BSC, Solana, Arbitrum, Optimism, NEAR and Tron. Unigox trades USDT and USDC.
Your app is a native mobile app
Onramp Money publishes Android, iOS and React Native SDKs. The Unigox widget is an embed code for a website.
You want to cover your users' fees
Onramp Money lets a partner absorb part or all of the fees, so users can buy at no fee to them. In the Unigox widget, the Unigox fee sits inside the rate your user pays.
Onramp Money vs Unigox for wallets and dapps
| Topic | Onramp Money | Unigox |
|---|---|---|
| What it is | An on-ramp, off-ramp and swap that wallets, exchanges and dapps embed, plus merchant checkout, salary payouts and an OTC desk. | The Crypto widget, where users buy and sell stablecoins on your website, and the Payments API, which runs payouts and collections from your backend. |
| Integration | Hosted redirect, overlay via its web SDK, Android, iOS and React Native SDKs, a white-label option with your own screens, and REST endpoints for quotes and order status. | Widget: an embed code and your widget key, with no backend work. Payments API: REST calls authenticated with an X-API-Key header, plus a Postman collection and signing examples in three languages. |
| How users sign in and sell | Users log in with a phone one-time code. To sell, they sign a message proving they own the wallet, then send the crypto to an Onramp Money deposit address. | Widget users sign in with email or a supported wallet and sell from their Unigox Wallet. API payouts are funded from your partner wallet, which your server signs for. |
| Payment methods | From one to seven local methods per currency, among them SEPA and open banking, Faster Payments, PIX, SPEI, ACH, wire and SWIFT, Interac, BLIK, M-Pesa and mobile money. | Bank transfer or mobile money, paid to or by the P2P merchant or payment business that takes the order. |
| Cash-out coverage | Its gateway fee page prices off-ramp in some currencies and marks it coming soon in others, including several it takes for purchases. | A currency is open for sales while a P2P merchant or payment business connected to Unigox serves it. |
| Who fills the order | Onramp Money buys or sells at market price once the user's payment or crypto deposit is confirmed, with rates fetched from several sources of liquidity. | An individual P2P merchant or a payment business connected to Unigox; an API quote can limit the order to payment businesses. During a trade the crypto sits in an on-chain escrow that Unigox can release only to the buyer or the seller. |
| Pricing | A payment gateway fee per currency and method, published in its docs, next to Onramp Money's own fee set per partner (0.25% in its onboarding example). | Each API quote itemises the rate, the Unigox fee, your own fee and the total before the order. Widget users see a single rate with the Unigox fee inside it. |
| Your revenue | A client fee you set as a percentage or a flat amount, or zero fees for users with you absorbing the costs. Fees and credits are invoiced at the end of each month. | Your markup of up to 10% on each sale, credited in crypto to your partner wallet when the sale completes. Plus 20% of the Unigox fee on completed buys and sells, paid as agreed at setup. Payments API: your percentage fee per order. |
| Identity checks | Two-tier KYC set by monthly limits; documents vary by region. Its KYC FAQ lists name, nationality, phone number, a government ID and a tax ID. | Every user verifies with Unigox before the first trade, whatever the amount. API customers can also reuse an eligible Sumsub or Persona check, or verify through a Unigox link. |
| Webhooks | One webhook, signed with HMAC-SHA512, when a transaction completes and the withdrawal is processed. Resent if your endpoint does not answer within 5 seconds, or on request through a REST endpoint. | Payments API events for order status, refunds and identity checks, signed with HMAC-SHA256. |
| Onboarding | Sign up on its dashboard, pass KYB, map your needs with customer success, then get an App ID to test and go live. A shared sandbox App ID is open to everyone. | Book a call. The Payments API needs company KYB first, then a sandbox with the same endpoints as production; for the widget, the team sets up your partner account and widget key. |
| Crypto | More than 400 tokens across many networks. | USDT and USDC. |
| Regulation | Its compliance statement says it works through affiliated registered entities, naming FINSTAR AI Sp. z o.o. for the European Union, and through affiliates or partners in other jurisdictions. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove sales from Onramp Money to Unigox
List the sales Onramp Money has not opened
Bring the currencies your users cash out in, the ones Onramp Money has not opened for sales, and your monthly volume.
Pick the widget or the API
Take the widget if your users can trade from a Unigox Wallet on your site. Take the Payments API if your company pays customers from its own balance, behind your screens.
Set up the account
For the Payments API, your company passes KYB with its registration, ownership and source-of-funds documents. For the widget, we create your partner account and widget key, and you set your markup.
Run both side by side
Keep Onramp Money for purchases sent to wallet addresses. Point sales for local money at the Unigox widget, or at Payments API payouts once your sandbox tests pass.
Onramp Money alternative: questions
Which Onramp Money alternative suits cash-outs?
Unigox, when your users sell stablecoins for local money by bank transfer or mobile money. You can add the Crypto widget or the Payments API next to Onramp Money and keep Onramp Money for purchases.
Does Onramp Money offer off-ramp in every currency it lists?
No. Its payment gateway fee page prices off-ramp in some currencies and marks it coming soon in others, several of which it takes for purchases. On Unigox, a sale is paid to a bank or mobile money account in any currency a P2P merchant or payment business serves.
How do partner earnings compare with Onramp Money?
Onramp Money lets you add a client fee, as a percentage or a flat amount, or absorb your users' fees. It invoices the totals at the end of each month. In the Unigox widget you earn 20% of the Unigox fee and can set a markup of up to 10% on sales, paid in crypto to your partner wallet when each sale completes.
Can users still move USDT to their own wallet after switching?
Yes. On Onramp Money the crypto goes straight to the address your app passes. In the Unigox widget the purchase lands in the user's Unigox Wallet, and the buy-with-sendout mode adds a one-click step that sends it to the address your site set. You can move USDT or USDC between Unigox and an outside wallet before or after a trade.
Who holds the stablecoins while a Unigox order is open?
During a trade the crypto sits in an on-chain escrow that Unigox can release only to the buyer or the seller. Payments API payouts are funded from your partner wallet, topped up before the order.
Add Unigox cash-outs next to Onramp Money
Keep Onramp Money for purchases into wallet addresses, and send sales for local money to the Crypto widget or the Payments API.
Onramp Money and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.