Compare crypto providers by what you actually receive.
Who moves your money, and what it costs.
Partners
Four partners, each named before you pay.
| Partner | Ways to pay | Delivers | ID | Swaps’ share | State |
|---|---|---|---|---|---|
| Bridge | ACH and wire in 112 countries, SEPA in 53, Faster Payments in 2, PIX in Brazil, SPEI in Mexico and Bre-B in Colombia | USDC on every rail; USDT on ACH, wire, PIX, SPEI and Bre-B | Required | Fee 1% (Bridge + Swaps), its own lineA USDT buy also carries Bridge’s 0.10% fee. Bridge wire fee $10 on wire buys, at cost. A buy in a currency other than the US dollar also carries Bridge's exchange spread. | Live |
| Transak | Card, Apple Pay and Google Pay in 24 countries | Coins Transak quotes | Required | Inside Transak’s priceNo separate Swaps fee line. | Live |
| Onmeta | UPI in India, QRIS in Indonesia and QR Ph in the Philippines | USDC, USDT, ETH or SOL in India and the Philippines; USDC or USDT in Indonesia | Required in India.Elsewhere, Onmeta may ask for ID above its own limit. | Inside Onmeta’s priceNo separate Swaps fee line. | Live |
| Stripe | Card in the United States, once your state is known | Coins Stripe quotes | Required | None | Live |
ACH is a US bank rail, so it requires a US bank account. SEPA is a European bank rail, so it needs a European IBAN.
Swapping is paused on Swaps while we rebuild it; buying and selling work. Selling goes through Bridge. The fee to sell is 1% (Bridge + Swaps), shown before you send. A payout in a currency other than the US dollar also carries Bridge's exchange spread, on its own line. A USDT sale also carries Bridge's 0.10% fee, on its own line. Residents of the EEA can sell USDC only.
Measured
What a route cost above the market.
Hourly quotes, not completed orders.
| Route | Way | Above market | Quotes |
|---|---|---|---|
| BTC · 500 USDUnited States | Card and Apple PayTransak | 6.87% | 278 each |
| BTC · 500 USDUnited States | Google PayTransak | 6.64% | 278 |
| USDC · 500 EURGermany | SEPABridge | 1.56% | 300 |
| USDT · 1,000 BRLBrazil | PIXBridge | 1.75% | 273 |
| USDT · 500 MXNMexico | SPEIBridge | 1.73% | 311 |
Quotes from 20 Oct to 2 Nov 2026
How the numbers are made
The Truth Board: what we measure
Each measurement is timestamped and traceable to a documented method.
Route cost snapshot methodology
Swaps can compare a warmed Buy route against a market reference price without printing fake live numbers into prerendered HTML. The effective route price is the source amount divided by the final receive amount. The route premium compares that effective route price with the market reference price.
Use the snapshot to understand provider fee/spread, payment method, KYC, country support, network cost, route availability, and checkout ownership. It is a snapshot, not executable quote; the live quote and provider checkout still own final execution.
How Swaps compares offers
Swaps compares live routes by amount, asset, country, payment method, and final receive amount. Use this page to understand which provider fits the route before checkout.
Provider comparison
- Stripe Onramp — USD card buy routes where Stripe Onramp is enabled.
- Bridge — Bridge-backed stablecoin, invoice, payment-link, wallet-adjacent, and payout rails.
- Onmeta — buy routes with UPI in India, QRIS in Indonesia, and QR Ph in the Philippines.
The live quote owns final receive amount, provider pricing, FX or spread, network cost, and route costs. Provider checkout owns KYC, fraud checks, payment acceptance, transfer execution, and provider result.
Bridge bank routes carry a 1% Swaps fee. On card and local-payment routes (Transak, Onmeta) the provider's price includes a share for Swaps; Stripe routes include none. The Bridge fee is shown on its own line before you pay and on Bridge's receipt, and the amount shown is always what you receive. The user-facing route still needs to show provider pricing, FX or spread, network cost, and any explicit Swaps-side service fee before handoff.
What to compare
Compare final receive amount, fees to review, payment methods, KYC and limits, country support, asset support, payout path, network cost, and live quote availability.
Common routes
- Buy crypto with card or bank transfer: compare final crypto received, provider fee or spread, card or bank rail, KYC, and limits.
- Buy USDC and stablecoins: compare asset, network, payment rail, network cost, and receive amount.
- Sell stablecoins to a bank account: USDC, USDT or USDB through Bridge to an account in your name — see the payout rail, the 1% fee (Bridge + Swaps) and the expected payout before you send.
FAQ
Questions.
Which provider costs less?
There is no fixed winner. The better route depends on amount, country, asset, payment method, provider pricing, FX or spread, network cost, KYC state, and checkout availability. Compare by final receive amount.
Why can buying crypto with a credit card cost more?
Card routes can include provider processing, card-issuer behavior, FX or spread, network cost, and provider risk checks. Some card issuers may treat crypto purchases differently, so the live quote and checkout review matter.
Why is the market price different from what I receive?
The market reference price is only the asset reference. The effective route price also reflects provider pricing, FX or spread, payment rail, network cost, country support, KYC or payment acceptance, and the provider checkout that owns final execution.