Stripe crypto onramp alternative that works beyond the US and EU
Stripe's onramp serves buyers in the US and EU paying USD or EUR. Unigox is a Stripe crypto onramp alternative for apps whose users buy USDT or USDC in other local currencies. US and EU card buyers stay with Stripe.
When to stay with Stripe's onramp
Your buyers are in the US or EU and pay by card
Stripe's onramp takes credit and debit cards, Apple Pay, Google Pay and, in the US, ACH. Unigox does not currently offer its services in the United States, and widget buyers pay a P2P merchant or payment business in local currency.
You want Stripe to carry fraud and disputes
Stripe is merchant of record for every onramp purchase, takes full liability for fraud and disputes, and runs KYC and sanctions screening. Returning buyers skip steps because their payment methods, KYC data and wallets stay saved with Stripe.
Your users buy BTC, ETH or SOL
Stripe's hosted onramp sells BTC, ETH, SOL, POL, AVAX and XLM next to USDC. The Unigox widget trades USDT and USDC only.
Stripe's onramp compared with the Unigox Crypto widget
| Topic | Stripe crypto onramp | Unigox |
|---|---|---|
| Who can buy | Individuals in the US and EU countries, paying in USD or EUR. The embedded onramp leaves out Hawaii, Embedded Components leaves out New York, and Stripe refuses a buyer whose IP address it cannot serve. | Users outside the United States paying in a local currency that Unigox serves for buying. |
| How buyers pay | Credit or debit card, Apple Pay or Google Pay; ACH bank transfer in the US only; American Express only in the EU. By default the transaction fee and network fee are added on top of the amount. | In local currency, to the P2P merchant or payment business that fills the trade, by the methods its current offers list. The Unigox fee is inside the rate. |
| What arrives, and where | On the hosted onramp, BTC, ETH, SOL and other coins, or USDC on Ethereum, Solana, Base or Polygon (in the EU, of these four only USDC on Ethereum). Embedded Components sells stablecoins only, USDT on Ethereum among them. Delivered to a wallet address the buyer or your app gives. | USDT or USDC in the buyer's Unigox Wallet. USDT can go from there to an outside wallet on an EVM network, Solana, TON or Tron. |
| Identity checks | Every buyer passes KYC before buying. In Embedded Components it runs through a Link account in tiers: name and address, then date of birth and a US Social Security number, then a photo ID and a selfie. EU buyers also give the identifiers MiCA asks for and must pass the photo ID tier. | Unigox checks the buyer's identity inside the widget before the first trade, whatever the amount. |
| How you add it | A branded or embedded flow needs a Stripe account and an onramp application, most reviewed within 48 hours. Then you add the embedded web onramp or Embedded Components for web, iOS, Android and React Native. A plain redirect link to the Stripe-hosted page can be generated in the front end without a Stripe account. All of it is in public preview. | One embed code and the widget key Unigox issues after a call. No backend work. |
| What you earn | Not published: the onramp docs name no platform fee and no revenue share. | A 20% share of the Unigox fee on completed buys and sells through your widget, and on sells a markup that you choose. |
| Regulation | In the US, Stripe Payments Company passes the buyer's payment to a separate exchange company that sells and delivers the crypto. Both are registered with FinCEN as money services businesses. | 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. |
UnigoxAdd local-currency buying beside Stripe in three steps
Name the markets Stripe turns away
Book a call and list the countries where your users fail Stripe's region check or pay in neither USD nor EUR.
Get your widget key
Unigox opens your partner account and issues the key. You choose whether the widget opens on Buy, Sell or both.
Show it where Stripe declines
When Stripe refuses a buyer in a region it cannot serve, open the Unigox widget instead. The buyer verifies with Unigox and buys USDT or USDC into a Unigox Wallet.
Stripe crypto onramp: common questions
What is the Stripe crypto onramp?
It lets a platform's users buy crypto from its app or site, either on a Stripe-hosted page or embedded, with Stripe as merchant of record handling KYC, fraud and disputes. It is in public preview and serves buyers in the US and EU. For buyers paying in other local currencies, Unigox offers its Crypto widget.
See the Crypto widgetWhich countries does the Stripe onramp cover?
The US and the EU countries, with USD and EUR as the currencies a buyer pays in. The embedded onramp leaves out Hawaii and Embedded Components leaves out New York. Stripe checks the buyer's IP address and refuses regions it cannot serve.
Compare crypto on-rampsWhat fees does the Stripe crypto onramp charge buyers?
By default Stripe adds a transaction fee and a network fee on top of the amount, and its US terms say the price also carries a spread between the exchange's market price and the price shown. Unigox puts its fee inside the rate the buyer sees before confirming.
Does the Stripe onramp API need a backend?
Yes, except for the plain hosted link: your server creates an onramp session with your Stripe secret key for each visit, and Embedded Components also needs it to check KYC and confirm checkout. The Unigox widget needs no backend, only the embed code and your widget key.
Add an onramp in local currency next to Stripe
Book a call for a widget key and offer the Unigox Crypto widget to the buyers Stripe's onramp cannot serve.
Stripe crypto onramp 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.