Ramp Network has quietly become one of the most important fiat-to-crypto gateways in Europe. With a developer-first approach, regulatory-first attitude, and a growing list of embedded finance and Web3 clients, Ramp enables seamless value exchange between traditional finance and decentralized systems.
We sat down with Artur Granicki, a lawyer-turned-fintech executive and the newly appointed CEO, to discuss Ramp’s mission, how they differ from competitors, and what comes next for crypto-native infrastructure in a regulated world.
Who is Artur Granicki?
Artur Granicki is a former head of Poland’s Financial Supervision Authority (KNF) fintech department, lawyer by training, and now CEO of Ramp Network. His unique blend of regulatory insight and startup savvy makes him a pivotal figure at the intersection of compliance and innovation in the crypto space.
Interview
What is Ramp Network in simple terms?
Ramp is a fintech infrastructure company that connects traditional banking rails with digital assets. We make it easy for users to buy crypto or digital assets inside apps they already use — in a compliant and seamless way.
What’s the core pain point Ramp solves?
Acquiring digital assets is still complicated. We remove the need for users to leave your app, go to an exchange, KYC again, and then transfer back. Ramp lets users onboard from fiat into crypto instantly, inside your product.
What are your main products?
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Fiat-to-crypto onramp
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Crypto-to-fiat offramp
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Embedded KYC/compliance tools
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Wallet infrastructure (coming soon)
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API-based transaction orchestration
Who are your typical clients?
Ramp is used by Web3 platforms, wallets, NFT marketplaces, games, and increasingly fintechs experimenting with tokenized assets.
Which regions do you operate in?
We’re live in 150+ countries, with banking integrations in the EU, UK, and US. We’re expanding in LATAM and Southeast Asia in 2025.
What licenses does Ramp hold?
We’re registered as a virtual asset service provider (VASP) in Poland and other EU jurisdictions, with full compliance across the EEA, UK, and US.
Is Ramp a wallet or exchange?
Neither. We’re a fiat-to-crypto gateway. We don’t custody user funds or act as a trading venue.
How does Ramp ensure AML/KYC compliance?
We provide embedded KYC flows, sanctions screening, and automated transaction monitoring — all API-driven and customizable.
What makes Ramp different from competitors like Moonpay or Transak?
Ramp is developer-first and regulatory-forward. We offer better APIs, faster integration, more transparency, and a better user experience. We’re not just a plug-in — we’re infrastructure.
How fast can developers integrate Ramp?
Integration takes 3–5 days. We offer SDKs, pre-built flows, and full sandbox environments.
What are Ramp’s strongest markets today?
UK, Germany, France, and the US. We’re growing rapidly in Brazil, Turkey, and the Philippines.
How is Ramp dealing with evolving regulations in Europe (MiCA)?
We’re ahead of the curve. We support travel rule compliance, offer risk scoring, and we’re preparing full MiCA alignment by Q1 2026.
Do you support SEPA and Open Banking?
Yes, we support SEPA, SEPA Instant, Faster Payments, and Open Banking PIS in Europe. This reduces card fees and increases conversion.
Do you charge the end user or the platform?
Both models are possible — depending on how the partner wants to embed Ramp. Our pricing is flexible.
What are your average conversion rates?
Above 50% in the EU, thanks to instant KYC and local payment rails. Much higher than off-app flows.
Is crypto the only application for Ramp’s tech?
No. We’re increasingly used by fintechs and apps for tokenized loyalty, gaming credits, stablecoins, and even digital collectibles.
What’s coming in 2025?
We’re launching wallet-as-a-service, full fiat offramping, and deeper B2B compliance tools. Also expanding our reach in Latin America and Asia.
What KPIs matter most to Ramp?
Conversion rate, fraud rate, transaction volume per partner, and time to integration.
What’s your long-term vision for Ramp?
To become the Stripe for digital assets — embedded, compliant, and invisible.
Is Ramp hiring?
Yes! We’re hiring across engineering, legal, and partnerships — especially in London and Warsaw.
Related Searches
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Best fiat-to-crypto gateway
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VASP in Poland
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Ramp Network vs Moonpay
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MiCA compliance for crypto platforms
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Buy crypto in-app API
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Stripe for Web3 infrastructure
FAQ
Is Ramp regulated?
Yes. Ramp is registered as a VASP in Poland and other EEA countries, and complies with AMLD5 and MiCA principles.
How fast can a user buy crypto with Ramp?
Under 1 minute in most countries, including instant verification and SEPA transfer support.
Which payment methods does Ramp support?
SEPA, Faster Payments, Open Banking, cards, Apple Pay, Google Pay, and more.
Can Ramp be used in the US?
Yes, Ramp is live in over 30 US states with regulatory coverage and partners in place.
Does Ramp offer crypto custody?
No. Users bring their own wallet or the app provides a wallet — we never hold user funds.
Company Services
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Fiat-to-crypto onramp
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Crypto-to-fiat offramp
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Compliance & KYC APIs
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Wallet infrastructure
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Payment orchestration
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Tokenized asset enablement
Competitors
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Moonpay – Strong branding, but slower KYC
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Transak – Good global reach, weaker dev experience
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Mercuryo – Custodial model, less flexible
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Stripe – Good for fiat, but doesn’t support digital assets
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Kraken/Bitstamp – Exchanges, not embedded solutions
Product Positioning
Ramp positions itself as:
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The infrastructure layer for apps using digital assets
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Fast, compliant, and transparent onboarding and offboarding
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Non-custodial and developer-friendly
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A regulated partner for Web3-native and fintech products
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A long-term player in the embedded finance economy
