MoonPay vs Crossmint: comparison of fees, features, and pros

Key takeaways

• MoonPay is a consumer onramp/offramp product that lets users buy and sell BTC, ETH, USDC, and other crypto through a hosted widget or API.
• Crossmint provides an all-in-one stablecoin & crypto payments infrastructure with onramps, offramps, embedded wallets,  orchestration and compliance in a single unified API.
• For nearly every crypto and stablecoin use case, Crossmint is the more complete platform. MoonPay's main advantage is brand recognition from its years as a consumer crypto app.

The bottom line about MoonPay vs. Crossmint

MoonPay built its reputation as a consumer crypto app, and that name recognition is real. But a familiar brand does not fill the gaps in what MoonPay actually offers as infrastructure. It has no wallet layer, no stablecoin orchestration, and its payout coverage is a fraction of what you need to run a global payment product.

Crossmint is built for companies that want to build end-to-end stablecoin & crypto flows without having to piece together multiple vendors. Embedded wallets, onramps, offramps to 100+ countries, and orchestration across 50+ blockchains are all available through a single API. Whether you are building a consumer crypto app or enterprise stablecoin payment infrastructure, Crossmint covers the full surface area that MoonPay does not.

MoonPay vs Crossmint at a glance

How to evaluate MoonPay vs Crossmint

Onramp capabilities

MoonPay's core product is its onramp. It lets users buy crypto inside a third-party app using cards, bank transfers, Apple Pay, Google Pay, and localized payment methods across 160+ countries. KYC, fraud detection, chargebacks, and licensing are all handled by MoonPay in the background.

Crossmint's onramp product covers up to 180 countries depending on the use case. It supports cards, Apple Pay, and Google Pay across 40+ chains, with three integration modes: a headless API for full UI control, an embedded widget, or a hosted button. Progressive KYC means lighter verification applies to smaller transactions, reducing drop-off. Settlement is instant after payment is confirmed. Fomo, one of the top crypto protocols by revenue in 2026, runs its onramp on Crossmint.

Offramp and global payout coverage

MoonPay's offramp lets users sell crypto and receive fiat through bank transfers or card payouts across 40+ payout regions. It's designed as a counterpart to its onramp, completing the buy/sell cycle for consumer crypto users.

Crossmint's offramp product serves three distinct use cases: embedded user cash-outs inside your app, direct global payouts from a stablecoin treasury to companies or vendors, and company treasury withdrawals to a bank account. Coverage reaches 100+ countries with bank accounts, local payment rails, mobile money, and 100,000+ cash pickup agent locations globally. For enterprise payout use cases, including remittance and cross-border payroll, this depth of coverage matters. MoneyGram and Western Union both run cross-border stablecoin flows on Crossmint.

Wallet infrastructure

MoonPay does not offer wallet infrastructure. It is a ramp layer, meaning your users need their own wallets, and MoonPay facilitates moving fiat in and out of them. If you need to provision wallets for your users or embed wallet functionality inside your product, MoonPay cannot support that use case.

Crossmint's wallet infrastructure is built on smart contracts across EVM chains, Solana, and Stellar. This architecture delivers a set of properties that hosted key management cannot: wallet addresses never change even as you upgrade or rotate signing infrastructure, assets never need to be migrated, and all wallet operations are verifiable onchain at any time.

Practically, that means no vendor lock-in. You can swap out the signing layer without touching wallet addresses or user balances. If your security requirements change, your compliance posture evolves, or you simply want to upgrade infrastructure, wallets absorb that change invisibly to your users. Custodial and non-custodial configurations are both available and can be set per user, which is useful for products that serve different markets with different custody requirements.

Compliance and regulatory coverage

Both platforms handle compliance as a service, so you do not need to build KYC, AML, or fraud systems yourself. The key differences are in geographic licensing and the depth of stablecoin-specific coverage.

Pricing and fees

Crossmint publishes its pricing structure directly. There are no setup fees and no monthly minimums. Wallet fees start at $0.05 per monthly active wallet after the first 1,000, with volume discounts available. Onramp, offramp, and stablecoin orchestration fees are per-transaction and tiered by volume. For high-volume enterprise use cases, custom pricing is available. Crossmint also states that stablecoin orchestration delivers 50 to 70% lower cost than traditional wire transfers.

MoonPay does not publicly list its pricing. Rates for ramp transactions are available through direct contact.

Should I choose MoonPay or Crossmint?

Consumer apps and crypto wallets

Crossmint powers the onramp for products like Fomo, one of the top crypto protocols by revenue in 2026. If you also need to provision wallets for your users, Crossmint handles that in the same platform. MoonPay is a recognizable name in consumer crypto, but recognition is not infrastructure. An integration that requires a separate wallet provider, separate compliance stack, and separate orchestration layer adds cost and complexity that Crossmint avoids by design.

Fintechs and enterprises building crypto or stablecoin payment products

Crossmint is the fit here. Replacing multiple vendors with one platform for wallets, onramps, offramps, and stablecoin orchestration reduces integration complexity and ongoing maintenance. Crossmint's architecture is designed for companies building crypto-native financial products, not general-purpose payment processors.

Remittance and cross-border payroll platforms

Crossmint's offramp coverage of 100+ countries with bank, mobile money, and cash agent rails is built for this use case. MoonPay's 40+ payout regions are oriented toward consumer cash-out, not high-volume B2B payouts.

Developers and startups

Crossmint's free tier includes 1,000 monthly active wallets and transparent per-transaction pricing with no setup costs or monthly minimums. You get wallets, compliance, onramps, offramps, and stablecoin orchestration from day one, without stitching vendors together.

Strategies for using both

Some teams that were already using MoonPay for consumer ramp flows continue to run it alongside Crossmint for wallet provisioning, stablecoin orchestration, and global payouts. The two products do not conflict at a technical level since they operate at different layers. That said, Crossmint's onramp covers the same consumer ramp use case, so most teams building from scratch will find they do not need both.

Talk to the Crossmint team about your payment stack

FAQ

Does MoonPay support embedded wallets?

No. MoonPay is a ramp product, meaning it moves fiat in and out of wallets that already exist. It does not provision or manage wallets for your users. If you need to create and embed wallets inside your product, you would need a separate wallet infrastructure provider. Crossmint's wallet infrastructure product covers this natively alongside its onramp and offramp capabilities, so the two functions can be built from a single integration rather than stitched together from multiple vendors.

Which platform is better for stablecoin payments across borders?

Crossmint is purpose-built for this. Its stablecoin orchestration platform coordinates payment flows across 50+ blockchains through a single API, handles compliance and wallet provisioning automatically, and offramps to 100+ countries including via mobile money and cash agent networks. MoonPay's stablecoin features are limited to buying and selling USDC through its ramp product and the Virtual Accounts product for select fiat-to-stablecoin flows. For end-to-end stablecoin payment infrastructure, Crossmint is the more complete platform.

How does Crossmint handle EU regulatory compliance?

Crossmint holds CASP (Crypto Asset Service Provider) licenses across all 27 EU member states under MiCA, the EU's comprehensive crypto asset regulation. This means businesses using Crossmint can serve EU customers under Crossmint's licensing without needing to obtain their own EU licenses. MoonPay describes itself as MiCA approved but does not specify the same per-member-state CASP licensing coverage.

Can I use both MoonPay and Crossmint in the same product?

Yes, they can coexist. Teams that already have MoonPay integrated sometimes keep it running for specific consumer ramp flows while using Crossmint for wallets, stablecoin orchestration, and global payouts. That said, Crossmint's onramp handles the same consumer ramp use case, so if you are evaluating both from scratch, a single Crossmint integration covers everything without the overhead of maintaining two vendor relationships.

Is Crossmint more expensive than MoonPay?

Crossmint publishes its pricing with no setup fees and no monthly minimums. The first 1,000 monthly active wallets are free. Onramp, offramp, and stablecoin orchestration fees are per-transaction and tiered by volume. For high-volume customers, enterprise pricing is available. MoonPay does not publish its pricing publicly, so a direct comparison requires contacting both teams.