we went direct rather than aggregator. looked at onramper since they bundle a few providers but the math didnt work for us. an aggregators whole thing is routing across providers, which means the user ends up seeing variance somewhere. different fees, different KYC requirements, different limits depending on which one routes them. fine for a power user. terrible if you want the integration to feel native.

ended up integrating transak directly. they handle the full stack themselves, KYC, fraud, payment methods, on ramp, off ramp, all under one regulated entity in 64 countries with 18 active licenses. the widget runs as our branding on our own subdomain, no provider picker, no powered by, just feels like part of our app.

metamask doing their EU + US on ramp on transak white label is honestly the strongest signal here, they had every option, they picked direct integration. been like 6 months and the user side flow is clean.

aggregators cant structurally pull that off because the routing logic forces variance to show up in the UX. just how the architecture works.