Onramp Business
The business account for bitcoin.
Buy, hold and govern your company's bitcoin with logins, approvals and permissions for your whole team. Free to open. When you're ready, move it into Onramp Treasury, built on Multi-Institution Custody.
Launch offer: To mark the launch, businesses that activate Onramp Treasury by December 31, 2026 will receive white-glove onboarding from Onramp's team and no onboarding fee.
- Onramp holds $1B+ in bitcoin under Multi-Institution Custody
- Zero security incidents
- SOC 2 Type II report
The third way
There's a third way to hold your company's bitcoin
Most companies holding bitcoin today keep it on an exchange or in self custody where one person controls everything. We built Onramp Business to fix that. Businesses shouldn't have to compromise on how their balance sheet assets are protected and managed. They need permissions for their team, continuity when people change, and assurance that no one person can put the company's bitcoin at risk. Taking out that single point of failure makes the case for holding bitcoin on the balance sheet a lot stronger.
The exchange account
Easy to open and fine for a founder buying alone. But it's one login at one company, with no roles, no approvals and no plan for when the person with access is no longer around.
Seed phrase
Devices, seed phrases, backups
Doing it yourself
Self custody can work well for a small, bitcoin-native team. It gets harder as holdings grow, threats evolve, and people come and go, on your team and among the partners you work with.
On Treasury, it takes two of three institutions to move your bitcoin.
The third way
A business account with treasury controls and permissions, plus Multi-Institution Custody when you're ready for it. Three institutions protect it, and your team controls it.
How the three compare
| The exchange account | Doing it yourself | | |
|---|---|---|---|
| Who can move the bitcoin | Anyone with the login | Whoever holds the devices | Your team, with approvals. On Treasury, it also takes two of three institutions. |
| Team roles and approvals | Varies by exchange | Up to you to set up | Built in |
| If someone with access is no longer around | Depends on the exchange's recovery process | Depends on your backups and plan | Control follows your company's ownership documents |
| Hardware to manage | None | Devices, seed phrases, backups | None |
Plans
Pick the plan that fits your treasury
Onramp Business
For companies buying and holding bitcoin with their team.
$0/month
0.85% per trade
- Buy and sell bitcoin
- Custody at a qualified custodian
- Up to 3 users
- Approvals on withdrawals
- Bitcoin-backed loans
- Onramp Client Services
Onramp Treasury, built on Multi-Institution Custody
For companies ready to move their bitcoin into a vault in the company's name.
From
$375/monthor $3,600/year
0.65% per trade
+ $500 onboarding fee when you activate Multi-Institution Custody.Waived for businesses that activate by December 31, 2026.
Everything in Business, plus:
- Multi-Institution Custody vaults in your company's name (up to 2)
- Up to 5 users
- Custom approval rules (coming soon)
- Real-time proof of reserves
- Continuity planning
Inquire about a reduction in custody fees based on bitcoin trade volume.
Onramp Enterprise
For larger treasuries, miners and funds that need custom vaults and a dedicated contact.
No Onramp trading fee on recurring buys after the first purchase in each schedule.
Compare all plansTeam controls
The same controls and permissions you have for your cash, now for bitcoin
Every Onramp Business account comes with logins, approvals and permissions for your team, so no one person controls the account.
One person starts it, another approves it.
Set up an approval policy, and withdrawals wait for a second person on your team to sign off, the same way a wire works.
Roles for everyone.
Owners, admins and view-only users, so your organization can operate efficiently and transparently.
Custom approval rules, coming soon.
Treasury will let you decide how many people in your organization need to approve a withdrawal.
Onramp Treasury, built on Multi-Institution Custody
Secured by three. Controlled by you.
Three institutions protect your bitcoin. No one of them can lose it, move it, or use it, and nothing moves without your permission.
Multi-institution custody works like a bank vault that needs two keyholders to open: it takes two of the three (Onramp, Tetra Trust, and CoinCover) to move your bitcoin. No hardware wallets, seed phrases, backups, or PINs to manage.
Your vault is in your company's name, and anyone you choose, including your accountant or auditor, can verify it on-chain at any time.
Onramp holds $1B+ in bitcoin under Multi-Institution Custody.
How multi-institution custody worksGetting started
Opening an account is straightforward
01
Sign up and verify your business.
Most businesses are verified within a business day, once every owner has verified their ID.
02
Add your team.
Invite users, choose their roles and set your approvals.
03
Fund the account.
Deposit cash to buy bitcoin, or transfer bitcoin you already hold.
04
Activate Treasury when you're ready.
Your vault is created in your company's name and ready for deposits as soon as you activate it. We'll walk you through moving your bitcoin in.
Activate Treasury by December 31, 2026 for white-glove onboarding from Onramp's team and no onboarding fee.
Continuity and reporting
Continuity and transparency, built in
When someone leaves.
People leave companies. Your bitcoin custody arrangement shouldn't leave or change with them. Control follows the ownership structure in your company's verification documents, not one person's device or password.
When you need to show what the company holds.
Your vault is in your company's name and can be verified on-chain at any time, so your accountant, partners or board can see exactly what the company holds. Our SOC 2 Type II report is available under NDA through the Trust Center.
Case study
Businesses already on Onramp
How Occams Advisory secured millions in BTC without learning crypto.
From board approval to live treasury in 30 days. Occams Advisory faced the same challenge as every forward-thinking company: how to add bitcoin to corporate treasury without adding operational complexity or requiring blockchain expertise.
Their systematic approach, from educating their board with familiar financial concepts to implementing multi-institutional custody with role-based controls, provides a replicable playbook for any business.
In this case study, you'll discover:
- How one internal champion drove bitcoin adoption without career risk
- The exact materials that won unanimous board approval
- Why they chose multi-institution custody over single custodians
- Their staged approach from 10 BTC to 13+ BTC holdings
- The operational framework that satisfied auditors and compliance
FAQ
Common questions
What is Onramp Business?
Onramp Business is a bitcoin account for companies and other entities. Every account can buy and sell bitcoin, add team members with set roles, and require a second person to approve withdrawals. Companies that want more protection can activate Onramp Treasury, built on Multi-Institution Custody, which moves their bitcoin into a vault in the company's name, protected by Onramp, Tetra Trust, and CoinCover.
Is the free Business account in Multi-Institution Custody?
No. Bitcoin in the free Business account is held in cold storage at a qualified custodian. Multi-Institution Custody comes with Onramp Treasury.
What does it cost?
- Business: free, with no monthly fee, and 0.85% per trade
- Onramp Treasury: starts at $375 a month or $3,600 a year, plus a one-time $500 onboarding fee when you activate Multi-Institution Custody (waived for businesses that activate by December 31, 2026), and 0.65% per trade
- Enterprise: pricing is custom
- Recurring buys: no Onramp trading fee after the first purchase in each schedule
Is there a launch offer?
Yes. To mark the launch, businesses that activate Onramp Treasury by December 31, 2026 will receive white-glove onboarding from Onramp's team and no onboarding fee. You can also inquire about a reduction in custody fees based on bitcoin trade volume.
What types of businesses can open an account?
Most companies and entities that hold bitcoin can open an account, including LLCs, corporations, partnerships and trusts. Businesses outside the US can open accounts too, though availability can vary by country. Each account is opened in the entity's name after business verification.
What documents do we need to open a business account?
For a company: certificate of formation, operating agreement, proof of EIN, proof of good standing, and proof of business address. For a trust: the trust agreement or declaration of trust, a certificate of trust, and a W-9 (or W-8BEN-E outside the US). Our team reviews every business by hand, and most are verified within a business day.
How do withdrawal approvals work?
Any business account can set up an approval policy. One person on your team starts a withdrawal, and another approves it before it goes through, the same way many companies handle a wire. Custom approval rules on Onramp Treasury, which set how many people must approve, are coming soon.
How many users can we add?
Up to 3 on Business and up to 5 on Treasury. Enterprise supports larger teams.
What happens to the company's bitcoin if someone with access leaves or is no longer around?
Control follows the ownership structure in your company's verification documents, not one person's device or password, so the company keeps control no matter who comes and goes.
We already hold bitcoin ourselves. Can we move it to Onramp?
Yes. Many of our clients come from holding their own keys. You can transfer bitcoin into your account, and when you activate Treasury, our team walks you through moving it into your company's vault.
Can our accountant or auditor verify the company's bitcoin?
Yes. Each Treasury vault is in the company's name and can be verified on-chain at any time. Our SOC 2 Type II report is available under NDA through the Trust Center.
Can the business borrow against its bitcoin?
Yes. Business accounts can access bitcoin-backed loans. Availability depends on where the business is located.
Is Onramp a custodian?
No. Onramp is a custody solution. In Onramp Treasury, Onramp is one of three independent institutions protecting your vault, alongside Tetra Trust and CoinCover.
Bitcoin on the balance sheet, without one person holding it all
Open a free business account today, and move into Onramp Treasury when you're ready.
Larger treasury? Schedule a consultation →