Ramp Network: direct dealing, payout fees and self-custody

Asset support is defined by coin, chain, country and direction. Bitcoin and Solana appear for both buying and selling in the published US and European tables, while Cardano appears for buying only. XRP on its native Ripple network is another example where a supported purchase does not imply a supported sale. The European list excludes USDT, USDT0, DAI and AUSD for both buying and selling. A cross-chain symbol such as USDC must therefore be matched to its exact network and the intended transaction direction.[11]

These are the published direct-service rates, not a guaranteed all-in price for every country, asset and integration. The buying guide says the crypto quantity uses the rate when Ramp receives the money, which can differ from the rate at order creation. Separately, a partner may charge its own fee and the issuing bank may add currency-conversion or international-payment costs. The latter are outside Ramp’s own fee schedule.[4]

A seller also pays the blockchain cost of sending crypto from the wallet; that cost is outside the payout-fee table. A partner charge can be added in an integrated checkout. Ramp’s sell guide fixes the payout using the exchange rate when the payment is processed by its system, rather than when the customer first opens the sale. The indicative amount should therefore be preserved separately from the final receipt.[5]

The pricing policy describes third-party mid-market references, refreshed quotes and transaction-specific costs. It explains that a €100 purchase budget includes the applicable fees rather than buying €100 of crypto and necessarily adding every Ramp fee on top. Buy, sell and swap displays also use different units: fiat paid, net fiat received or an input crypto amount. Comparing the final amount delivered for the same budget, currency, network and time is more informative than comparing one percentage in isolation.[3]

Use a payment account in the verified customer’s own name. With manual transfer, starting the Ramp order does not instruct the bank: the customer must send the money using the supplied beneficiary details and reference. A name mismatch may cause checks or return of funds. Ramp specifically says not to send a second payment to repair a mismatch; contact support about the existing purchase.[6]

For an unpaid purchase, the cancellation guide gives expiry periods of 24 hours for card and Apple Pay orders and five days for bank transfers. Once payment is confirmed, Ramp says the transaction cannot be changed or cancelled, including its wallet address. If money was already sent but the bank transfer arrives after the order expires, the buy guide directs the customer to support for manual handling. An expired screen is not proof that an in-flight bank payment was cancelled.[9][8]

Ramp’s crypto-refund guide says most refunds are processed within 24 hours, with exceptional unmatched transfers, wrong-network transfers and weekend cases potentially taking up to ten business days. That guide describes a handling process, not a guarantee that every unsupported transfer can be recovered. A delayed case should include the transaction hash and the original order. A transfer to an incorrect external wallet address has a different outcome: the cancellation guide says Ramp cannot reverse it or refund it.[10][9]

Ramp identifies Turnkey as its wallet technology provider. Its wallet guide places the recovery phrase under Account and requires passkey verification to display it. The phrase can restore access through compatible third-party software and can also give another person control of the assets. Support says it will not ask customers to disclose that phrase. Device recovery, wallet export and the exchange’s identity checks are separate controls; none gives support authority to reverse a signed blockchain transfer.[1][14][13]

The US terms describe possible FDIC pass-through eligibility only for fiat temporarily held at regulated financial institutions during Top-Up settlement, subject to the applicable rules. That conditional statement does not insure crypto or a DeFi vault. Ramp’s public disclosures also place the self-custody wallet outside the Central Bank of Ireland’s authorisation and statutory compensation protections.[2][24]

Verification evidence must be readable and accepted in the requested format. The KYC guide accepts PDF, PNG or JPEG documentation and rejects screenshots. More generally, a larger displayed limit does not reserve liquidity or exempt a transfer from review. The API’s asset response has location-specific availability and minimum/maximum fields; those are relevant to the actual transaction and should not be replaced by the headline documentation thresholds.[16][27]

Transaction history lists creation date, buy/sell direction, asset quantity and fiat value, with individual details available from each row. This is useful accounting evidence, but the reviewed guides do not establish a consolidated CSV export, a jurisdiction-specific tax statement or post-closure self-service access. Download individual receipts while access remains available and keep independent records of wallet transfers and Earn activity; those can sit outside the fiat dealing history.[17][18][25]

Deactivation is different from deleting all data. Ramp’s account guide says transaction and KYC records can be retained for up to six years, while its one-account policy prevents opening another active account merely to bypass a restriction. The reviewed pricing material does not establish a general inactivity charge or a universal dormant-account deadline. That absence should not be read as a promise that every service or credential remains accessible indefinitely.[19][3]

The Irish terms identify the Financial Services and Pensions Ombudsman as an escalation route after an unresolved complaint and refer other EEA clients to their national ADR body through FIN-NET. The complaint help page has a different postal address from the terms’ registered-office address. Its online form avoids choosing between those two published addresses; a customer wishing to post should confirm the current destination with support.[2][20]

The transaction confirmation identifies which entity supplied the service. That matters more than a shared brand or a generic website footer when determining the applicable contract. In particular, the verified Irish register entry does not support describing the entire app as a licensed crypto trading platform, custodian or investment adviser. The service evidenced by that entry is exchange against funds.[2][22]

Ramp’s company page says its core on/off-ramp work began in 2017 and describes offices in the UK, US, Ireland and Poland. It displays more than 40 fiat currencies, more than 110 cryptoassets, more than 150 countries and territories, and $134 million raised. These are company statements about breadth and financing; they are not an independently measured count of active traders or a comparable daily exchange-volume ranking. The exclusion and asset tables remain the operational sources for an individual customer.[23]

A separate MiCA transaction-data page says it publishes the last completed month’s activity and refreshes the figures monthly. Its embedded data did not load in a usable form during this check, so no numerical volume estimate is substituted from the page heading. The business can be substantial as an embedded buying and payout route without being directly comparable to an order-book exchange on headline turnover.[24][1]

Operator

Ramp Swaps Limited; Ramp Swaps LLC; Ramp Swaps (Ireland) Limited

Exchange model

Centralised

Service scope

Direct quoted buying and selling with separate self-custody wallet functions.

Client types

Retail clients

Pricing publication

Public and quoted pricing

Pricing scope

Published direct buy/sell fees plus transaction quote, network and possible partner charges.

Funding scope

Supported bank, card, mobile payment and local rails; payout availability is regional.

Custody and asset handling

Self-custody wallet; on-chain tools are distinct from fiat dealing and optional Earn.

Client eligibility

Verified eligible customers in supported physical locations and US states.

Support

Help-centre and app support, downloadable transaction receipts and regional complaints.

Authorisation and registration scope

Irish CASP authorisation verified in ESMA for exchange against funds. UK/US statuses are identified from company legal disclosures.

Exchange metadata checked 21 Oct 2026Source 1Source 3Source 21Source 22Source 12Source 15

The Earn guide describes USDC supplied to Morpho on Base, with Steakhouse acting as vault curator. It restricts availability to eligible US-jurisdiction app users in licensed states. Deposits and redemptions require the wallet passkey; the documented spending permission is limited to the deposited amount. The guide advertises immediate, fee-free redemption, but the terms allow protocol fees and warn about delayed or restricted withdrawals. Treat the displayed APY as variable and distinguish a redemption request from an unconditional liquidity guarantee.[25][2]

Rewards has two different outcomes. A completed mission can create USDC that must be claimed into the Ramp wallet, or it can unlock cashback on future eligible transactions. An unclaimed USDC award expires after 90 days, and some claims remain locked until another mission is completed. Cashback unlocks do not themselves deliver a claimable cash balance. Amounts, rates, countries and qualifying transactions are set in the app, so a reward headline is not a universal cash-withdrawal entitlement.[26]

Ramp’s API keys identify and enable a partner integration, including its available features. The REST API exposes supported assets, prices and transaction-specific limits, with separate on-ramp and off-ramp responses and location filtering. These documents support a checkout-integration workflow; they do not establish that an ordinary customer receives an unrestricted exchange key able to trade or withdraw all wallet assets. A partner key and the customer’s wallet signing credentials have different authority.[28][27]