The world of digital assets is evolving rapidly, and businesses are increasingly looking for ways to integrate cryptocurrency purchasing directly into their platforms. Enter Stripe’s fiat-to-crypto onramp — a powerful, secure, and fully compliant solution that allows users to buy crypto seamlessly during checkout, all without leaving your application or decentralized platform (DApp).
With Stripe handling compliance, fraud protection, and user verification, developers can focus on delivering a smooth user experience while expanding their financial offerings. Whether you're building a Web3 marketplace, a gaming platform, or a crypto wallet, Stripe’s onramp simplifies the path to mainstream crypto adoption.
👉 Discover how easy it is to enable crypto purchases in your app today.
Why Use Stripe’s Fiat-to-Crypto Onramp?
Stripe acts as the merchant of record for every transaction, taking full responsibility for fraud, disputes, and regulatory compliance. This means your business isn’t exposed to the risks typically associated with crypto transactions.
Key advantages include:
- Full KYC (Know Your Customer) and sanctions screening managed by Stripe
- Users can save payment methods, wallet addresses, and identity data via Stripe’s Link infrastructure
- Faster repeat purchases with pre-verified sessions
- Built-in support for multiple blockchains and stablecoins
This level of backend support makes Stripe an ideal partner for startups and enterprises alike seeking to onboard users into crypto with minimal friction.
How to Get Started: Submit Your Application
Gaining access to the fiat-to-crypto onramp API is straightforward. Stripe reviews most applications within 48 hours, allowing rapid development cycles.
Follow these steps:
- Sign in or create a Stripe account and submit your onramp application.
- Complete your Stripe onboarding process to verify your business details.
- Begin development using test environments while your application is under review.
You’ll receive email notifications regarding approval status or if additional information is required. Track progress anytime through the onboarding dashboard.
Once approved, you can immediately begin integrating the onramp into your product.
Flexible Integration Options for Every Use Case
Stripe offers several integration paths tailored to different technical needs and customization preferences. Choose the one that best aligns with your development capabilities and user experience goals.
Embeddable Onramp (Recommended)
Ideal for teams wanting full control over the user interface and experience.
- Brand customization: Match colors, logos, and themes to your platform
- Supports dark mode and responsive design
- Full parameter control via the Onramp API, including pre-filling wallet addresses
- Direct embedding into your frontend
Perfect for platforms aiming to deliver a native, branded experience without redirecting users.
No-Code Redirect URL Generation
For non-developers or projects with tight timelines.
- Zero coding required
- Customize basic parameters like source/destination amounts, currency, and network
- Redirect users to a secure, Stripe-hosted checkout at crypto.link.com
- Optional Stripe account connection
Best suited for static configurations where flexibility isn’t critical.
Standard Redirect to Standalone Onramp
A lightweight option for simple frontend integrations.
- Moderate customization options
- Users are sent to Stripe’s hosted onramp page
- Minimal development effort needed
- Suitable for apps that prefer not to embed third-party widgets
Great for MVPs or side features where crypto purchase is secondary.
Minted Session with Redirect
Balances customization with ease of implementation.
- Full parameter control, including destination wallet address
- Branding options available
- Leverages the same secure standalone environment at crypto.link.com
- No need to host the widget yourself
Ideal for teams that want advanced functionality but lack the bandwidth for deep frontend integration.
Core Features at a Glance
Stripe’s onramp comes packed with tools designed to enhance usability, security, and scalability.
Customization & Developer Tools
- Pre-fill transaction details such as wallet addresses, currencies, and amounts
- Real-time pricing quotes with automatic updates
- Webhook support for every session status change (e.g., started, completed, failed)
- Multi-chain compatibility across leading networks
- Optional fee absorption — offer “free” platform integration by covering costs
Supported Payment Methods
Users can fund purchases using:
- Credit and debit cards
- Apple Pay
- ACH (Automated Clearing House) — available in the U.S. only
All methods enable instant crypto delivery post-KYC verification, ensuring near-real-time asset availability.
Available Cryptocurrencies and Networks
| Asset | Supported Networks |
|---|---|
| ETH | Ethereum, Base |
| SOL | Solana |
| POL | Polygon (formerly MATIC) |
| BTC | Bitcoin |
| AVAX | Avalanche |
| XLM | Stellar |
| USDC | Ethereum, Solana, Polygon, Avalanche, Base, Stellar |
Note: Some assets have regional restrictions. For example, XLM and certain USDC variants aren’t available in New York. ETH (Base), MATIC, AVAX, and select USDC versions are not supported in the EU.
Geographic Availability
Currently supports users in:
- The United States (excluding Hawaii)
- Countries across the European Union
Expansion plans are likely as regulatory frameworks evolve globally.
👉 See how fast you can launch a seamless crypto purchase flow.
Frequently Asked Questions (FAQ)
Can I customize the look of the onramp widget?
Yes. The embeddable version allows full brand customization, including logo, color scheme, and font styles. Even redirect-based flows support limited branding options when using minted sessions.
Who handles KYC and fraud protection?
Stripe manages all KYC verifications, sanctions screening, and fraud monitoring. As the merchant of record, Stripe assumes liability for chargebacks and disputes — reducing your operational burden significantly.
Do users need a Stripe account to use the onramp?
No. End users don’t need a Stripe account. However, platforms integrating the onramp must have a verified Stripe account to process transactions.
Is instant settlement possible?
Yes. After successful KYC verification, purchased crypto is delivered instantly via supported payment methods like card or Apple Pay.
Can I integrate this into a mobile app?
Absolutely. The embeddable widget is responsive and works across web and mobile browsers. For native apps, use deep linking strategies with redirect URLs to maintain a smooth flow.
Are there fees for using the onramp?
Stripe charges a transaction fee per purchase — exact rates depend on volume and region. You can choose to absorb these fees or pass them to users. There are no setup or monthly costs.
Final Thoughts: Powering the Future of Crypto Onboarding
Stripe’s fiat-to-crypto onramp represents a major leap forward in making digital assets accessible to everyday users. By abstracting away compliance complexity and offering flexible integration models, it empowers builders to focus on innovation rather than infrastructure.
Whether you're launching a new DApp or enhancing an existing platform, integrating a trusted onramp solution accelerates user adoption and boosts engagement.
👉 Start building your crypto-enabled platform now — integration takes minutes, not weeks.