Onramp

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.

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

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

• Bitcoin custody services
• Digital asset custody
• Multi-institution custody
• Bitcoin financial services
• Bitcoin treasury management

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. 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%.
2. 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.
3. IRA Services: $100/month for IRA+ tier providing access to IRA Multi-Institution Custody vault with inheritance planning features.
4. Lending Revenue Share: Revenue generated through bitcoin-backed lending services provided in partnership with Arch Lending.
5. 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

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers7 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability4 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and supporting.

• BitGocoreTechnology or Integration · 1 April 2023BitGo 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.
• CoincovercoreTechnology or IntegrationCoincover (Digital Asset Services Ltd) serves as Recovery Key Partner in Onramp's Multi-Institution Custody solution, providing key recovery and protection services.
• Tetra TrustcoreTechnology or IntegrationTetra 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 InccoreTechnology or IntegrationHeritage 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 LendingsupportingTechnology or IntegrationArch Lending provides bitcoin-backed lending services accessible through Onramp's platform, offering non-rehypothecated lending options with competitive terms.
• Bridge (Bridge Building Inc)supportingTechnology or IntegrationBridge provides USDB stablecoin issuance and custodial virtual account infrastructure for Onramp Earn, allowing clients to hold USDB stablecoins and receive discretionary marketing rewards.
• StripesupportingTechnology or IntegrationStripe processes payment data and handles payment instrument storage for Onramp transactions.
• PersonasupportingTechnology or IntegrationPersona provides identity verification services used during Onramp's KYC/AML onboarding process.
• David ThayersupportingOthersRetired Blackstone partner appointed as strategic advisor to Onramp, bringing institutional finance expertise and connections to traditional finance institutions.
• Glenn CameronsupportingOthersIndustry 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

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/OnrampBitcoin
• YouTubeyoutube.com/@OnrampMedia
• LinkedInlinkedin.com/company/onrampb

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Onramp