Plain English
MoonPay is a leading crypto on-ramp service founded in 2019. Embedded into MetaMask, Coinbase Wallet, Trust Wallet, and hundreds of other wallets/dApps to provide a “buy crypto with card” button. Available in 160+ countries with broad fiat support.
How it actually works
Users buy crypto via card or bank transfer; MoonPay handles KYC, payment processing, and crypto delivery to specified wallet addresses. Fees range 3-5% on card, lower on bank transfer. Integrated as the default on-ramp in many self-custody wallets — millions of users pass through MoonPay annually.
What it means for you
For HNW users, MoonPay is operationally simple but expensive — 3-5% on card purchases is significantly higher than CEX-based on-ramps. For small first-time purchases or convenience use cases, fine. For size, use a CEX (Coinbase, Kraken) with bank wire — much cheaper at scale.
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Educational content only. Not investment, tax, or legal advice.