Onramp
Onramp provides bitcoin custody, trading, lending, IRA, and inheritance services built on a proprietary 2-of-3 multi-institution custody architecture, serving individual investors, family offices, and institutions.
- Company typePrivate
- Founded2022
- HeadquartersAustin, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Onramp does
Onramp is a bitcoin-focused financial services platform founded in April 2023 and headquartered in Austin, Texas. The company built a proprietary Multi-Institution Custody (MIC) architecture in which bitcoin is protected by a 2-of-3 multisig scheme distributing key control across three independent, regulated institutions — Onramp, a Signing Key Partner (BitGo Trust, with Tetra Trust as an alternative), and a Recovery Key Partner (Coincover). The architecture is designed to eliminate single points of failure inherent in single-custodian models, is paired with Lloyd's of London insurance, and is supported by real-time on-chain proof of reserves with no commingling or rehypothecation.
The platform operates on a tiered subscription model spanning a free Finance tier, a $250/month Core tier with MIC vault access, a 0.04%/month Private tier with white-glove service and a Virtual Family Office, a $375/month Business tier (+$500 setup) for corporate treasury, and a $100/month IRA+ tier. Around the custody layer, Onramp offers bitcoin trading via BitGo Prime (0.85% all-in), non-rehypothecated bitcoin-backed lending through Arch Lending, USDB stablecoin rewards via Bridge, integrated Transfer-on-Death inheritance planning, an industry-first Multi-Institution Bitcoin IRA administered with Heritage IRA Inc, and an Onramp Institutional division for banks, family offices, and regulated custodians. The MIC rails are also exposed as an enterprise-gated API and white-label license.
Go-to-market is hybrid: a self-serve, product-led consumer funnel at app.onrampbitcoin.com, complemented by direct enterprise sales for corporate treasury, institutional clients, and MIC technology licensing. Customers span individual investors, high-net-worth individuals and family offices, IRA/retirement account holders, corporate treasuries, financial advisors/RIAs, and — most recently — institutions and regulated custodians in the US and UK. The company is venture-backed, having raised a $12.5M Series A at a $135M post-money valuation in May 2026 led by Early Riders, and custodies over $1B in assets with zero security incidents since launch.
Onramp firmographics
Firmographics- Name
- Onramp
- Legal name
- Onramp Bitcoin, LLC
- Website
- https://www.onrampbitcoin.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Onramp provides bitcoin custody, trading, lending, IRA, and inheritance services built on a proprietary 2-of-3 multi-institution custody architecture, serving individual investors, family offices, and institutions.
- Ownership category
- akta.pro rank
Onramp industry classification
Industry- Product category
- Bitcoin Custody / Digital Asset Custody
- NAICS
- Trust, Fiduciary, and Custody Activities (523991)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Custody Technology Platforms (Custody-as-a-Service) (FSADACAB)
- akta.pro secondary industry
- On-Chain Payments & Stablecoin Infrastructure (Issuance, Rails, Treasury) (FSAGAMAD)
Keywords
Where Onramp is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Onramp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Subscription Fees: Monthly and annual subscription fees across tiered pricing plans: Finance (free), Core ($250/month), Private (0.04%/month), and Business ($375/month). Fees are billed monthly or annually with the annual option saving 20%.
- Trading Fees: 85 basis points (0.85%) all-in fee for Bitcoin trades, with 65 basis points charged by Onramp and a 20 basis point spread charged by BitGo. This is applied per transaction on buy/sell bitcoin services.
- IRA Services: $100/month for IRA+ tier providing access to IRA Multi-Institution Custody vault with inheritance planning features.
- Lending Revenue Share: Revenue generated through bitcoin-backed lending services provided in partnership with Arch Lending.
- Rewards Program: Discretionary marketing rewards paid to clients holding USDB stablecoins through Onramp Earn. Rewards are marketing incentives funded by Onramp's corporate revenue, not interest or yield.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier for individuals seeking basic bitcoin management with secure custody |
| Subscription | Monthly | Institutional-grade custody for individuals seeking world-class security |
| Subscription | Monthly | Personalized white-glove service for individuals and families |
| Subscription | Monthly | Bitcoin treasury solution for businesses |
| Subscription | Monthly | IRA services with institutional-grade custody |
| Transaction based/ take rate | Pay-as-you-go | Bitcoin trading fees |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Onramp product offering
Product offeringCore offering
Onramp provides bitcoin custody and financial services built on a proprietary Multi-Institution Custody (MIC) architecture using a 2-of-3 multisig model that distributes key control across three independent regulated institutions (BitGo Trust, Coincover, and Tetra Trust). The platform combines bitcoin custody, trading, lending, IRA accounts, integrated inheritance/estate planning, and a developer API, delivered through tiered subscriptions plus an institutional division for direct enterprise and advisory engagements.
Product overview
Onramp is a bitcoin-centric financial services platform built on Multi-Institution Custody (MIC) infrastructure — a proprietary 2-of-3 multisig architecture that distributes key control across three independent, regulated institutions (BitGo Trust, Coincover, and Tetra Trust). The platform operates on a tiered subscription model (Finance free, Core $250/month, Private 0.04%/month, Business $375/month) providing bitcoin custody, trading, lending, and inheritance planning as a unified platform. Core products include: (1) Multi-Institution Custody as the foundational infrastructure layer; (2) Onramp Finance for basic wallet and trading; (3) Bitcoin Trading via BitGo Prime integration; (4) Bitcoin-Backed Lending via Arch Lending; (5) Inheritance & Estate Planning with Transfer on Death designation; (6) Bitcoin IRA and the industry-first Multi-Institution Bitcoin IRA (Heritage IRA Inc as custodian); (7) Onramp Earn (USDB stablecoin rewards via Bridge); (8) Onramp Institutional for institutional clients; and (9) the Onramp API for developer access to MIC rails. The platform is further differentiated by Lloyd's of London insurance coverage and 24/7 on-chain verification with zero commingling.
Differentiator
Problem solved
Functional benefit
Brands
- Onramp Finance: Neo banking platform for managing cash and bitcoin with rewards up to 5%
- Onramp Institutional
- Onramp Wealth
- Onramp Terminal
- Onramp Earn
- Onramp Client & Advocate Network
Products and services
- Multi-Institution Custody (MIC) Proprietary custody infrastructure where bitcoin is protected by three independent, regulated institutions using a 2-of-3 multisig requirement for any transaction, eliminating single points of failure inherent in single-custodian models. Includes real-time on-chain proof of reserves, Lloyd's of London insurance, Recovery Kit for client continuity, and integrated inheritance/transfer-on-death planning. Available as a Core tier feature for individuals and a Business tier offering for organizations.
- Onramp Finance Neo-banking platform offering an Onramp wallet with USDC/USD cash balance, industry-low bitcoin brokerage with market and limit orders, and non-rehypothecated bitcoin-backed lending options, accessible free with a Finance tier account.
- Multi-Institution Bitcoin IRA Self-directed IRA product for holding bitcoin within tax-advantaged retirement structures (Traditional, Roth, SEP, Simple IRAs), combining MIC infrastructure with IRA custody administered by Heritage IRA Inc. Includes IRA-specific vaults, compliance reporting, and integrated inheritance planning.
- Onramp Institutional Institutional service line offering multi-institution custody and bespoke advisory services for family offices, fiduciaries, and institutions requiring rigorous governance and institutional-grade bitcoin exposure. Led by Global Head Glenn Cameron.
- Onramp API API exposing Onramp's Multi-Institution Custody infrastructure — including regulated bitcoin custody, cash reward accounts, approvals, and reporting — for developers to integrate into treasury, wealth, and neobank products on the same MIC rails that power Onramp's own platform. Access requested via a gated web form requiring work email and company details.
- Onramp Earn Stablecoin rewards program allowing eligible clients to hold USDB stablecoins in Bridge-custodied wallets and receive discretionary marketing rewards based on qualifying activities such as bitcoin purchases or fee payments. Marketed with up to 5% in rewards; not an investment product or interest-bearing account.
Quantifiable outcome
- $1 billion+ in assets under custody with zero security incidents since April 2023 launch
- +2 more outcomes
Companies that use Onramp
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
Onramp technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability4 records
Feature6 records
Onramp partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and supporting.
- BitGocoreBitGo Trust Company serves as Signing Key Partner in Onramp's 2-of-3 multisig architecture. BitGo Inc. provides wallet coordinator software and API access. BitGo Prime provides trading services for buy/sell bitcoin functionality. Partnership since inception.
- CoincovercoreCoincover (Digital Asset Services Ltd) serves as Recovery Key Partner in Onramp's Multi-Institution Custody solution, providing key recovery and protection services.
- Tetra TrustcoreTetra Trust Company serves as an alternative Signing Key Partner option in Onramp's Multi-Institution Custody architecture, providing custodial services from its position as a regulated Canadian trust company.
- Heritage IRA InccoreHeritage IRA Inc serves as the IRA Custodian for Onramp IRA accounts, handling IRA compliance, reporting, and bookkeeping functions. Onramp provides custody solution services for IRA assets.
- Arch LendingsupportingArch Lending provides bitcoin-backed lending services accessible through Onramp's platform, offering non-rehypothecated lending options with competitive terms.
- Bridge (Bridge Building Inc)supportingBridge provides USDB stablecoin issuance and custodial virtual account infrastructure for Onramp Earn, allowing clients to hold USDB stablecoins and receive discretionary marketing rewards.
- StripesupportingStripe processes payment data and handles payment instrument storage for Onramp transactions.
- PersonasupportingPersona provides identity verification services used during Onramp's KYC/AML onboarding process.
- David ThayersupportingRetired Blackstone partner appointed as strategic advisor to Onramp, bringing institutional finance expertise and connections to traditional finance institutions.
- Glenn CameronsupportingIndustry veteran appointed as Global Head of Onramp Institutional, leading the new division focused on institutional bitcoin adoption with secure, multi-institution custody and bespoke advisory services.
Scale indicators5 records
Recent moves7 records
Expansion highlights7 records
Onramp competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Onramp social profiles
Digital presenceOnramp compliance and trust
Trust signalCompliance5 records
Onramp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Onramp leadership team
Management profileNumber of profiles
Profiles6 records
Onramp subsidiaries and ownership
Company hierarchySubsidiaries2 records
Onramp funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Onramp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Onramp
What does Onramp do?
Onramp provides bitcoin custody and financial services built on a proprietary Multi-Institution Custody (MIC) architecture using a 2-of-3 multisig model that distributes key control across three independent regulated institutions (BitGo Trust, Coincover, and Tetra Trust). The platform combines bitcoin custody, trading, lending, IRA accounts, integrated inheritance/estate planning, and a developer API, delivered through tiered subscriptions plus an institutional division for direct enterprise and advisory engagements.
Is Onramp a public or private company?
Onramp is a private company. It is classified as venture growth investor backed and is currently operating.
When was Onramp founded?
Onramp was founded in 2022. It employs 11 to 50 people.
Where is Onramp based?
Onramp is headquartered in Austin, United States, in the North America region.
How does Onramp make money?
Five revenue lines are on record. Subscription Fees are the primary driver. The others are trading Fees, IRA Services, lending Revenue Share and rewards Program.
Does Onramp have an API?
Yes. Onramp exposes its Multi-Institution Custody infrastructure as an API, enabling developers to integrate regulated bitcoin custody, cash reward accounts, approvals, and reporting. The API supports building treasury, wealth, and neobank products on the same rails that power Onramp. Access is requested via a web form requiring first name, last name, work email, and company — indicating a gated/enterprise access model rather than public self-service. Developer documentation is at onrampbitcoin.com/api.
What industry is Onramp in?
Onramp's product category is Bitcoin Custody / Digital Asset Custody. Its primary akta.pro industry code is FSADACAB, Custody Technology Platforms (Custody-as-a-Service), with a secondary code of FSAGAMAD, On-Chain Payments & Stablecoin Infrastructure (Issuance, Rails, Treasury). Its NAICS code is 523991 and its SIC code is 6200.