Earn with Onramp
Your dollars earn Onramp-funded rewards of up to 5%. No hidden fees. No lock-ups. Withdraw anytime. Rewards are discretionary marketing incentives — not interest or yield. Requires at least one bitcoin transaction per month.
Onramp Finance — Now Live
Plenty of places to spend your money. Plenty of places to gamble it. Almost nowhere designed to help you grow it.
Earn up to 5%.* Buy bitcoin at the lowest cost. Spend with a card that earns cash back. Convert to bitcoin in one click. All in one account. No account fees.
No account fees. No minimum balance. Available in all 50 states.
*Onramp-funded rewards, up to 5%. Requires at least one bitcoin transaction per month. Discretionary — not interest or yield. Subject to change.
The Problem
The world has plenty of places to spend your money. Plenty of places to gamble it. Almost no places designed to help you preserve and grow it.
Sound financial planning has always rested on a few simple ideas. Live on less than you make. Put the rest into things that hold their value. Pass them on intelligently.
But look at what the market has actually built. Prediction markets. Meme stocks. Sports betting dressed up as investing. An entire generation of fintech apps designed to turn your money into entertainment. And on the other side, legacy institutions where your cash sits idle, losing purchasing power year after year.
There is almost nothing in between. No serious platform for people who want their dollars working harder today and access to sound long-term assets when they are ready. Not day traders. Not gamblers. People who take their financial lives seriously and want a single place that does too.
That is what Onramp Finance is.
The Value Stack
One account. Three ways your money works for you.
Spend with the Onramp Card
Every purchase earns 1.5% cash back. Cash back hits your account in dollars. Convert to bitcoin in one tap when you're ready. Over years, your everyday spending builds your bitcoin position.
Accumulate Bitcoin
Buy bitcoin directly inside the platform at competitive pricing. Recurring buys. Limit orders. ACH funding. Your bitcoin settles directly into institutional-grade custody. No exchange withdrawal. No transfer risk.
The Onramp Terminal
Thousands of interactive charts. On-chain metrics, macro overlays, miner economics, ETF flows, derivatives positioning. Pre-built dashboards. Real-time data. Direct research team access. Included with every Onramp Finance account.
The Convert
Your dollars are working capital. Bitcoin is long-term savings. Move between them in one click.
Most platforms force you to choose: park your cash in a bank earning nothing, or go all-in on bitcoin and accept the volatility. Onramp Finance eliminates that tradeoff.
Earn up to 5%. When you're ready, convert your dollars into bitcoin in one tap. Your bitcoin settles directly into institutional-grade cold storage.
Onramp Finance is built for the person who wants to preserve what they have and grow it deliberately over decades.
The Foundation
Everyone else built financial services first. We built the custody first.
Onramp exists because of multi-institution custody. Three independent institutions, 2-of-3 architecture, no single point of failure. That foundation has secured over $1B for over 1,000 clients.
Onramp Finance is built by the same team, on the same platform, with the same principles. Start with a free account. Earn with Onramp. Accumulate bitcoin. And when your holdings reach the point where institutional-grade custody matters, the upgrade path to multi-institution custody is already there. Same platform. No migration. No starting over.
Most platforms make you outgrow them. Onramp Finance is designed so you have your trusted partner for the long term.
$1B+Bitcoin secured
1,000+Clients nationwide
Lloyd'sOf London insured
50States supported
3Independent custodians
The Full Platform
Onramp Finance is your starting point. The full platform grows with you.
Onramp Finance is a free account with no minimums. As your holdings and financial complexity grow, the full Onramp platform is already there:
Multi-Institution Custody
Three custodians, segregated vaults, on-chain proof of ownership, insured by Lloyd's of London.
Bitcoin IRA
Traditional and Roth structures backed by multi-institution custody. The only Bitcoin IRA built on this foundation.
Inheritance planning
Built-in beneficiary designation. Your heirs present a death certificate. Onramp guides the transfer. No seed phrases.
Bitcoin-backed loans
Access liquidity without selling your position. No rehypothecation. Your bitcoin stays in cold storage.
From Our Clients
Trusted by the platform bitcoin investors come home to
1,000+ clients trust Onramp with over $1 billion in bitcoin. Our clients include long-term investors tired of a fragmented experience and new investors who want something more serious to start investing in bitcoin.
What's Included
Everything in one account.
Earn up to 5%*1.5% cash backBitcoin brokerageOnramp TerminalNo account fees
The money platform for people who take this seriously.
Onramp Finance is free to open. No minimums. No recurring fees.
Whether you end up using Onramp or not, your dollars should be working harder than they are right now.