MoonPay

Fiat-to-crypto ramp operating in 180+ countries with integrations across 500+ crypto exchanges and wallets

On-ramp KYC required Founded 2018 United States Oct 17

Visit moonpay.com

3.7/ 5

Our score

Good

Typical fee Card payments up to 4.5%, with a minimum of $3.99, €3.99 or £3.99; bank transfers approximately 1%; card-based sales up to 3.5%.

Payment methods CardBank transferApple PayGoogle Pay+3

Countries 180

Minimum purchase $20

Sell to fiat (off-ramp) Yes

KYC required Yes

What is MoonPay?

MoonPay is a fiat-to-crypto on-ramp, off-ramp and swap provider for direct buyers, wallets, apps and financial institutions. It operates in more than 180 countries and supports integrations with over 500 crypto exchanges and wallets. MoonPay also provides hosted checkout, APIs and SDKs for partners building their own purchase and payout flows.

Company and backers

MoonPay launched in 2019. Co-founder and CEO Ivan Soto-Wright started his career in institutional finance and founded the AI fintech company Saveable in 2015. Co-founder and Chief Engineer Victor Faramond previously served as head of engineering at Hodl.vc. Co-founder Maximilian Crown is also part of the founding team. The company is headquartered in New York City.

In November 2021, MoonPay raised a $555 million Series A led by Tiger Global Management and Coatue Management, with participation from Blossom Capital, New Enterprise Associates, Thrive Capital and Paradigm Operations. In May 2026, it launched MoonPay Trade for institutional and enterprise access to digital assets across more than 200 blockchains and protocols through one API.

How the service works

Customers can buy crypto with cards, Apple Pay, Google Pay, bank transfers and local payment methods. MoonPay handles payment processing and compliance, then sends the purchased asset to a customer-provided wallet. Customers can also create a wallet for BTC and ETH through the checkout flow. The off-ramp sends crypto-sale proceeds to bank accounts and local payout methods.

For developers, hosted widgets handle the interface and onboarding. APIs and SDKs support headless, branded flows. MoonPay Gateway performs an intermediate purchase and swap before delivering selected DeFi tokens on Solana, Ethereum, Base or HyperCore.

Fees and limits

Card, Apple Pay and Google Pay purchases cost up to 4.5%, with a minimum of $3.99, €3.99 or £3.99. Bank transfers cost approximately 1%, with the same minimums. MoonPay Balance purchases have a 0% MoonPay fee when the balance is pre-funded by bank transfer. Card-based crypto sales cost up to 3.5%, while PIX payments in Brazil cost up to 2.95%. The minimum purchase is $20 or its fiat equivalent.

Coverage and risks

KYC is required on the first purchase over $150, and higher verification tiers unlock higher purchase limits. Payment methods and regional access vary. MoonPay Platform ramps are available in supported regions except the United Kingdom, while guest checkout is available in the United States excluding New York and Washington.

Card fees can make small purchases expensive. Bank transfers can take 1–3 business days, while card purchases typically arrive in 5–15 minutes. Payments can fail or be reversed, and KYC reviews can delay delivery. Customers also depend on MoonPay, its banking partners and the destination wallet, while regional rules can restrict assets or payment methods.

Founders

Ivan Soto-WrightCo-founder and CEO

Started his career in institutional finance and founded the AI fintech company Saveable in 2015.

Victor FaramondCo-founder and Chief Engineer

Previously served as head of engineering at Hodl.vc.

Maximilian CrownCo-founder

Best for:Wallet and dapp integrationsCard-based crypto purchasesMulti-region on-ramp accessDevelopers needing hosted checkout

Pros and cons

Pros

Operates in more than 180 countries
Integrates with over 500 exchanges and wallets
Supports cards, bank transfers, Apple Pay and Google Pay
Offers hosted widgets plus headless APIs and SDKs
Provides crypto sales to bank accounts and local payout methods

Cons

Card fees reach 4.5%, with a minimum of $3.99, €3.99 or £3.99
Bank transfers can take 1–3 business days
KYC is required on the first purchase over $150
Asset, payment-method and off-ramp access varies by region
Payment reversals and KYC reviews can delay delivery
MoonPay Platform ramps exclude the United Kingdom

Our review

3.7/5

Good

MoonPay has broad regional reach and payment coverage, but card fees and regional restrictions can make it costly for larger purchases.

Fees2.5

Coverage4.5

Payment methods4.5

Ease of use4.0

Support3.0

MoonPay is a large fiat on-ramp with off-ramp and swap tools. Its main strength is reach: the service operates in more than 180 countries and supports integrations with over 500 exchanges and wallets. Availability varies by country, asset, payment method and product. The Platform documentation excludes the United Kingdom from its listed ramp availability, while guest checkout is limited to the United States except New York and Washington.

Customers can use cards, Apple Pay, bank transfers and local methods such as PIX. Card payments cost up to 4.5%, with a minimum of $3.99, €3.99 or £3.99. Bank transfers cost approximately 1% with the same minimum, and card-based crypto sales can cost up to 3.5%. The $20 minimum purchase makes very small transactions less practical.

MoonPay handles KYC and payment processing for integrations. Its verification tiers raise purchase limits, and KYC is required on the first purchase over $150. Card purchases typically arrive in 5–15 minutes, while bank transfers take 1–3 business days. Failed payments and verification holds can delay checkout.

For developers, hosted checkout and widgets support hosted integrations. Headless APIs support custom interfaces, while MoonPay Gateway can buy supported DeFi tokens through a fiat checkout on Solana, Ethereum, Base and HyperCore.

The company launched in 2019, with Ivan Soto-Wright as co-founder and CEO, and raised a $555 million Series A round in November 2021 from Tiger Global Management, Coatue Management and other investors. It reports 30M+ verified accounts as of September 2026.

Listings are researched and drafted with AI assistance from public sources, then checked for accuracy and readability. Spot an error? Tell us. Editorial policy.

Sources (8)

Specs

Service	On-ramp, Off-ramp, Widget / API · unverified
Payment methods	Card, Bank transfer, Apple Pay, Google Pay, SEPA, ACH, PIX · unverified
Typical fee	Card payments up to 4.5%, with a minimum of $3.99, €3.99 or £3.99; bank transfers approximately 1%; card-based sales up to 3.5%. · unverified
Countries	180 · unverified
Minimum purchase	$20 · unverified
Developer widget / API	Yes · unverified
KYC required	Yes · unverified
Sell to fiat (off-ramp)	Yes · unverified
Apple Pay	Yes · unverified
Delivery time	Cards typically 5–15 minutes; bank transfers 1–3 business days. · unverified

Not disclosed by the provider: Assets, Max purchase.

Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.

Key features

Card and mobile payments

Buy crypto with credit or debit cards, Apple Pay and Google Pay. Card-based purchases cost up to 4.5%.

Bank transfer funding

Supports ACH, SEPA, SEPA Instant and UK Faster Payments. Bank-transfer fees are approximately 1%.

Hosted checkout

Partners can embed a hosted on-ramp or off-ramp widget while MoonPay runs the payment, KYC and compliance flow.

Developer APIs and SDKs

Headless APIs and SDKs let apps build branded purchase, sale and swap journeys with MoonPay payment rails.

Crypto off-ramp

Customers can sell crypto for fiat and receive funds through bank accounts or local payout methods.

DeFi token Gateway

Gateway buys and swaps supported tokens before delivery, with coverage on Solana, Ethereum, Base and HyperCore.

Wallet connection options

A partner can provide a destination address, let customers enter one, or offer wallet creation for BTC and ETH.

Verification tiers

Cumulative KYC tiers unlock higher purchase limits, with requirements varying by region.

Inside MoonPay

On-ramp

Customers buy crypto with fiat through cards, Apple Pay, Google Pay, bank transfers and local payment methods. MoonPay handles payment processing and compliance.

Off-ramp

Customers sell crypto for fiat and receive funds through bank accounts and local payout methods. Availability depends on the region and supported asset.

MoonPay Gateway

Gateway lets customers buy supported DeFi tokens directly with fiat. MoonPay completes the intermediate purchase and swap before sending the selected token to the destination wallet; supported networks include Solana, Ethereum, Base and HyperCore.

MoonPay Platform

The Platform provides hosted checkout, widgets, SDKs and APIs for branded on-ramp, off-ramp and swap experiences. Developers can use hosted flows or build a headless interface with their own UI.

MoonPay Trade

MoonPay Trade gives institutions and enterprises access to digital assets across more than 200 blockchains and protocols through a single API.

MoonPay screenshots

MoonPay's homepage displays a crypto service hero section with navigation, a phone image, and a Buy Crypto button · Oct 18, 2026

FAQ: MoonPay Developers FAQ page with integration questions and dashboard permissions information · Oct 18, 2026

What users say about MoonPay

App Store 4.6/5 10,219 ratings Google Play 4.6/5 15,155 ratings

A summary of public reviews and discussions on third-party sites, checked Oct 17, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.

User reviews

No user reviews yet. Have you used MoonPay? Share your experience below.

Funding and investors

$555MTotal raised

2Rounds

7Investors

Series A Nov 2021 $555M

CM Coatue ManagementVenture capital Lead TG Tiger Global ManagementVenture capital Lead BC Blossom CapitalVenture capital NE New Enterprise AssociatesVenture capital ParadigmVenture capital TC Thrive CapitalVenture capital
Source
Funding round Amount undisclosed

ArchetypeVenture capital

FAQ

Who founded MoonPay?

MoonPay was founded by Ivan Soto-Wright, Victor Faramond and Maximilian Crown in 2019. Soto-Wright is the co-founder and CEO, Faramond is the co-founder and chief engineer, and Crown is a co-founder.

How much does MoonPay charge?

Card payments, including Apple Pay and Google Pay, cost up to 4.5%, with a minimum of $3.99, €3.99 or £3.99. Bank transfers cost approximately 1% with the same minimum, while card-based crypto sales cost up to 3.5%.

Where is MoonPay available?

MoonPay operates in more than 180 countries, with coverage depending on the asset, payment method and product. Platform ramps are listed as available in supported regions except the United Kingdom, while guest checkout is limited to the United States excluding New York and Washington.

Does MoonPay require KYC?

MoonPay uses regional verification tiers and requires KYC on the first purchase over $150. Higher verification tiers unlock higher purchase limits.

Which blockchains does MoonPay Gateway support?

MoonPay Gateway supports tokens on Solana, Ethereum, Base and HyperCore. The Gateway catalog changes, so integrations use the asset-list endpoint for current availability.

How long does a MoonPay purchase take?

Card and wallet payments are typically instant, with card purchases arriving in 5–15 minutes. Bank transfers take 1–3 business days.