Onramp

About Onramp

Onramp is a Dallas-based bitcoin financial services firm built on Multi-Institution Custody, a model in which three independent institutions secure a client's bitcoin so that no single party can lose it, move it or use it, and nothing moves without the client's permission. Its tagline is bitcoin for generations. It serves individuals, families and businesses who think about wealth in decades and want institutional-grade custody without the burden of self-custody.

The platform combines custody, cash, earning, trading and loans in one relationship. Bitcoin is held in a 2-of-3 multisignature quorum, with Onramp, BitGo Trust and CoinCover for individual and IRA accounts and Onramp, Tetra Trust and CoinCover for business accounts, so no seed phrases or hardware are needed. Features include bitcoin brokerage with market and limit orders, stablecoin support alongside USD cash balances, bitcoin-backed loans, IRAs, rewards of up to 5% on purchases while accumulating bitcoin, integrated inheritance planning so that family receives the bitcoin rather than a treasure map, and custody insurance through a Lloyd's of London syndicate.

On security and compliance, the company reports that the design of the controls behind its custody platform has been examined by an independent CPA firm, which issued an unqualified SOC 2 Type I opinion, with a Type II examination under way. A trust centre publishes the details, and the site offers consultations, resources and announcements for prospective clients.

Onramp earns revenue from brokerage, custody and lending services on a unified wealth platform for long-term bitcoin holders, serving both retirement and business accounts, and competes in the bitcoin custody and digital asset wealth management market against exchanges, single-custodian trusts and self-custody products on its shared-control security model.