On-Ramp vs Crypto Bank: Understanding the Difference
Ramp Network is an excellent fiat-to-crypto gateway, built to make buying digital assets simple, secure, and fast. You choose a wallet, buy crypto with fiat, and Ramp sends the assets directly to your address.
Digitap, on the other hand, is a complete crypto banking application where you can buy, sell, store, and swap crypto alongside your fiat accounts. Instead of sending funds to separate apps, everything lives in one secure wallet with real-world spending power.
Ramp is for the first step, getting into crypto. Digitap is for the next, living with crypto through an integrated banking experience. Most users start with an on-ramp like Ramp, but eventually move to Digitap to manage their entire digital financial life.
Digitap vs Ramp: Platform Comparison
| Feature | Digitap | Ramp Network |
|---|---|---|
| Founded | 2025 | 2018 |
| Primary Function | All-in-one crypto bank for buying, swapping & spending | Fiat-to-crypto on-ramp for quick purchases |
| Cryptocurrencies Supported | 100+ (BTC, ETH & more) | 100+ (BTC, ETH & more) |
| Fiat Currencies | Multi-currency accounts (EUR, USD & more) | 40+ supported fiat currencies |
| Integrated Wallet | Yes, multi-chain wallet included | Requires an external wallet |
| Physical / Virtual Card | Digitap Visa Card for spending crypto and fiat | No card offered |
| Native Token | $TAP for cashback & staking rewards | No native token |
| Staking Rewards | Available through the $TAP ecosystem | Not available |
| Exchange / Swap | In-app crypto swap feature | Not offered |
| Users Served | 100K+ wallets connected | 8M+ customers served |
| Key Benefit | Unified crypto bank with wallet, exchange & card | Fast fiat-to-crypto on-ramp for simple purchases |
| Target User | Everyday crypto users & businesses needing banking features | Users who already have a wallet and just need to buy crypto |
This table highlights the core difference between a crypto bank and a crypto on-ramp. Ramp Network excels at fast, transparent crypto purchases, while Digitap delivers a complete financial ecosystem with a digital wallet, best crypto exchange, physical and virtual crypto card, and crypto rewards for users who want to go beyond buying into full digital-asset banking.
What is Digitap?
Digitap is an all-in-one crypto banking platform to manage every part of your digital financial life. You can buy crypto, store it securely, swap between currencies, and spend using your Digitap Visa Card, all inside one app.
The integrated multi-chain wallet supports 100+ cryptocurrencies and multiple fiat currencies. Seamless fiat integration lets you move between traditional money and crypto instantly, without off-ramp delays or external wallets.
Powered by the $TAP token, Digitap rewards users with cashback, staking returns, and lower fees across all transactions. Available in 100+ countries with 24/7/365 support, the platform has processed 5M+ transactions and connected 100K+ wallets.
What is Ramp Network?
Ramp Network is a trusted fiat-to-crypto on-ramp service that makes buying crypto simple, fast, and secure. Launched in 2018, Ramp has become one of the most popular gateways for new users entering crypto.
The platform supports 100+ cryptocurrencies and 40+ fiat currencies, letting users purchase assets with cards or bank transfers and receive them directly in their self-custodial wallets. Ramp is integrated into over 250 Web3 applications and trusted by 8M+ customers worldwide.
Known for its SOC 2 certification, Ramp offers transparent pricing with no hidden fees and lightning-fast delivery; crypto usually arrives within seconds after purchase. It specializes in one thing and does it exceptionally well: buying crypto with fiat.
Why Users Choose Digitap Over Ramp
While Ramp is great for quickly buying crypto, Digitap gives you a complete banking experience. It's the next step in your crypto journey where your digital assets move, grow, and work for you.
An Integrated Secure Wallet
With Ramp, you need to enter an external wallet address for each purchase. Digitap includes a secure, multi-chain wallet built right into the app. Your assets appear instantly after buying without juggling multiple apps or losing track of addresses.
Manage 100+ cryptocurrencies from one interface with full visibility.
The Power to Spend Instantly
Ramp gets crypto into your wallet but stops there. Digitap connects your holdings directly to a Visa crypto debit card, letting you buy groceries, pay bills, or withdraw cash anywhere Visa is accepted. Conversion from crypto to fiat happens automatically at checkout with competitive rates, no off-ramp required.
Grow Your Assets with the $TAP Ecosystem
Ramp is transactional; once you buy, the relationship ends. Digitap keeps rewarding you. Earn cashback on every card payment, stake $TAP tokens for passive income, and enjoy lower transaction fees. The more you use Digitap, the more value you gain through its ecosystem. That’s something a pure on-ramp can’t offer.
Digitap vs Ramp: Feature Breakdown
| Feature | Digitap | Ramp Network |
|---|---|---|
| Buy Crypto with Fiat | ✅Integrated in-app purchases | ✅Instant fiat-to-crypto purchases |
| Integrated Wallet | ✅Built-in multi-chain wallet | ❌Requires an external wallet |
| Crypto Spending Card | ✅Visa card for crypto + fiat payments | ❌Not available |
| Crypto Swapping | ✅Swap crypto directly within the app | ❌Not offered |
| Fiat Bank Integration | ✅Full crypto-fiat bank accounts | ❌No bank integration |
| Cashback Rewards | ✅Available through the $TAP ecosystem | ❌No rewards |
| Staking Rewards | ✅Earn with $TAP staking | ❌Not available |
| Fee Reduction Program | ✅Lower fees for active $TAP users | 💰Transparent flat fees |
| Number of Cryptos | 100+ | 100+ |
| Payment Methods | Cards, bank transfers, crypto swaps | Cards and bank transfers |
| Mobile App | ✅Full crypto banking app | 🌐Web and widget based |
| 24/7 Support | ✅Live support 365 days a year | 📧Email and chat support only |
Transaction Fees vs Long-Term Value
Ramp Fees
Ramp Network focuses on transparent pricing for one-time purchases. You can buy crypto online using a card or bank transfer, and fees are shown before checkout.
Costs vary by region and payment method but remain competitive for quick fiat-to-crypto on-ramp transactions.
Ramp is ideal for users who only need to purchase assets occasionally and send them to a self-custodial wallet.
Digitap Fees
Digitap offers competitive rates for buying, swapping, and sending crypto. With the $TAP token, users earn crypto rewards and reduce fees across every transaction.
On-ramp and off-ramp crypto services are built-in, so you can instantly off-ramp crypto to fiat without paying multiple conversion fees.
Staking $TAP and cashback on your crypto debit card purchases create long-term savings for both individuals and businesses managing crypto accounts.
Which Platform is Best For You?
Choose Digitap if you …
Want an all-in-one crypto wallet and bank to buy, swap, and spend your assets.
Need a crypto virtual card or crypto debit card to pay or withdraw globally.
Manage crypto payments for business or hold crypto wallets for business with integrated fiat support.
Want to off-ramp crypto to fiat instantly and use funds through a Visa card.
Prefer earning cashback, staking income, and fee discounts via the $TAP token.
Want a single app for on-ramp and off-ramp crypto, transfers, and account management
Choose Ramp if you …
Already have an external wallet and only need to buy crypto online quickly.
Prefer to send purchased crypto directly to a self-custodial wallet.
Run a business that uses fiat-only payments and doesn't require crypto integration.
Are comfortable handling off-ramping manually via multiple platforms.
Value a minimal process focused purely on quick purchases.
Need a lightweight on-ramp embedded in Web3 apps or dApps.
Frequently Asked Questions
Ready to Do More Than Just Buy Crypto?
Join millions of users and businesses who use Digitap to buy crypto online, swap crypto, and off-ramp crypto to fiat in one secure platform. With over 5 million transactions processed and support across 100+ countries, Digitap is the future of crypto banking and digital asset management.
Open a personal or crypto account for business, make payments globally, and control everything from a single crypto wallet and Visa debit card.
