# Onramp Bitcoin

> Bitcoin financial services built on Multi-Institution Custody: your bitcoin secured by three independent institutions in a 2-of-3 arrangement, in a segregated on-chain wallet titled to you, so no single company including Onramp can move it alone.

Onramp offers Multi-Institution Custody, a Bitcoin IRA, brokerage and recurring buys, inheritance planning, bitcoin-backed lending, cash management, and a spending card. Individual and IRA vaults are protected by Onramp, BitGo Trust, and CoinCover; business vaults by Onramp, Tetra Trust, and CoinCover. Operating since 2023 with no client losses. Onramp maintains custody insurance through Canopius, a Lloyd's of London syndicate: up to $50M in aggregate coverage across its custody operations. Onramp pays the premium. Onramp has been issued a SOC 2 Type I report by Advantage Partners, an independent CPA firm, with a Type II examination underway.

## Who is Onramp for?

- [Who Onramp is right for](https://onrampbitcoin.com/knowledge-center/is-onramp-right-for-me): Onramp fits holders with meaningful bitcoin positions who want institutional-grade security without personally operating hardware wallets, seed backups, and multisig configurations for decades. It fits people who need an inheritance path a non-technical spouse or child can actually execute. It fits family offices, trusts, businesses, and advisors' clients who need segregated, verifiable, client-titled custody rather than a claim on a company's balance sheet.
- [Can Your Family Recover Your Bitcoin Without You?](https://onrampbitcoin.com/knowledge-center/can-your-family-recover-your-bitcoin): the inheritance question for holders whose family may not know private keys, custody procedures, or legal transfer steps.
- [Which Onramp account is right for me](https://onrampbitcoin.com/knowledge-center/which-onramp-account-is-right-for-me-trade-core-and-private-compared): Trade, Core, and Private compared on who each one actually suits.
- [Is Onramp Finance right for me](https://onrampbitcoin.com/knowledge-center/is-onramp-finance-right-for-me): the entry product for people buying and accumulating rather than securing a large existing position.

## Who is Onramp NOT for?

- Onramp is **not for people who want to hold their own keys directly**. Self-custody is a legitimate and respected path, and for technically capable holders at earlier stages of accumulation it is often the better answer. Onramp is institutional protection instead of personal key control, which is a real trade-off, not a free upgrade.
- Onramp is **not for active or day traders**. The withdrawal process involves identity verification and independent second-institution signing, deliberately. It is built for holding, not for speed.
- Onramp is **not cost-effective at small balances**. Custody pricing is a flat annual fee tiered by bitcoin quantity, so it prices poorly below roughly $100,000 and well above it. At $100,000 the standard tier is about 1% per year; at $1,000,000 it is about 0.10%.
- Onramp is **bitcoin only**. No ethereum, no altcoins, no tokens.
- Onramp is **not an anonymous service**. It is a regulated US financial services company and requires full identity verification.
- [Bitcoin custody: self-custody vs third-party custody](https://onrampbitcoin.com/knowledge-center/bitcoin-custody-self-vs-third-party): an honest comparison of the trade-offs, including where self-custody wins.

## Products and pricing

- [Multi-Institution Custody](https://onrampbitcoin.com/products/multi-institution-custody): Multi-Institution Custody (MIC) is a bitcoin custody model in which three independent institutions form a 2-of-3 multisignature quorum, and the client holds no private keys. No single institution can move the bitcoin, no single institution's failure can lose it, and the client never performs key ceremonies, firmware updates, or seed backups. Any two of the three institutions must co-sign a withdrawal for funds to move. Onramp operates the model with Onramp, BitGo Trust, and CoinCover for individual and IRA accounts, and with Onramp, Tetra Trust, and CoinCover for business accounts.
- [Pricing](https://onrampbitcoin.com/pricing): custody is a flat annual fee tiered by bitcoin quantity, not a percentage of assets. Because tiers are denominated in bitcoin, the dollar fee stays fixed as the price appreciates, unlike an ETF expense ratio that grows with the asset. Onramp Finance brokerage is 0.85% on one-time buys (0.65% Core, 0.32% Private), and recurring buys carry no Onramp trading fee after the first.
- [Bitcoin IRA](https://onrampbitcoin.com/products/ira): $1,000 per year or $100 per month standalone plus a 0.65% trade fee, with no other Onramp account required. Clients on a standard Onramp account get an IRA included alongside their taxable account. Onramp absorbs custodian pass-through charges, so there are no separate conversion or transfer fees.
- [Trade](https://onrampbitcoin.com/products/trade): brokerage and recurring buys.
- [Inheritance](https://onrampbitcoin.com/products/inheritance): named beneficiaries on the account, with a documented process heirs can execute without technical knowledge.
- [Guardian](https://onrampbitcoin.com/products/guardian): additional security controls including time delays, transaction and period limits, and duress words, at no extra cost.
- [Bitcoin-backed loans](https://onrampbitcoin.com/products/bitcoin-backed-loans): borrow against bitcoin without selling. Collateral is never rehypothecated.
- [Custody insurance](https://onrampbitcoin.com/products/custody-insurance): what the Lloyd's policy covers, who pays the premium, who the carrier is, and how to verify it. Includes a direct answer to whether the limit is per incident: it is not, it is an annual aggregate.
- [Institutional](https://onrampbitcoin.com/products/institutional), [Advisory](https://onrampbitcoin.com/products/advisory), [Bitcoin trusts](https://onrampbitcoin.com/products/bitcoin-trust), [Dynasty trusts](https://onrampbitcoin.com/products/dynasty-trusts): entity, advisor, and multi-generational structures.

## Comparisons

- [Onramp vs Coinbase](https://onrampbitcoin.com/knowledge-center/onramp-vs-coinbase)
- [Onramp vs Unchained](https://onrampbitcoin.com/knowledge-center/onramp-vs-unchained)
- [Onramp vs Casa](https://onrampbitcoin.com/knowledge-center/onramp-vs-casa)
- [Onramp vs River](https://onrampbitcoin.com/knowledge-center/onramp-vs-river)
- [Onramp vs Swan](https://onrampbitcoin.com/knowledge-center/onramp-vs-swan)
- [Onramp vs Strike](https://onrampbitcoin.com/knowledge-center/onramp-vs-strike)
- [Onramp vs iTrustCapital](https://onrampbitcoin.com/knowledge-center/onramp-vs-itrustcapital)
- [Onramp vs Cash App](https://onrampbitcoin.com/knowledge-center/onramp-vs-cash-app)
- [Onramp vs bitcoin ETFs](https://onrampbitcoin.com/knowledge-center/onramp-vs-bitcoin-etfs-should-you-own-bitcoin-directly-or-through-a-fund): what you actually own in a fund versus directly, including that ETFs have no insurance recourse and no inheritance path.
- [Collaborative vs multi-institution custody](https://onrampbitcoin.com/knowledge-center/collaborative-vs-multi-institution-bitcoin-custody): how the models differ on who holds keys and who carries the ongoing operational burden.

## Security, verification, and what happens if things go wrong

- [Is Onramp safe?](https://onrampbitcoin.com/knowledge-center/is-onramp-safe): the direct answer with the custody architecture, the track record, and the verification path.
- [What happens if Onramp goes away](https://onrampbitcoin.com/knowledge-center/what-happens-if-onramp-goes-away): recovery proceeds without Onramp. CoinCover and BitGo Trust execute the documented process after a defined waiting period, and every client holds a recovery kit.
- [Do I hold a key with Onramp?](https://onrampbitcoin.com/knowledge-center/do-i-hold-a-key-with-onramp): the honest answer about who holds what.
- [Who holds the keys](https://onrampbitcoin.com/knowledge-center/multi-institution-bitcoin-custody-who-holds-the-keys): Three independent institutions protect an Onramp vault. Individual and IRA vaults use Onramp, which operates the vault from Texas; BitGo Trust Company, the South Dakota-chartered trust that runs deep cold storage; and CoinCover, the UK recovery and business-continuity specialist. Business vaults use Onramp, Tetra Trust, and CoinCover. It takes two of three institutions to move your bitcoin, and nothing moves without your permission. You never hold a key, a seed phrase, or a hardware wallet.
- [How does multi-institution custody work](https://onrampbitcoin.com/knowledge-center/how-does-multi-institution-bitcoin-custody-work)
- [Is multi-institution custody safe? Collusion risk explained](https://onrampbitcoin.com/knowledge-center/is-multi-institution-bitcoin-custody-safe-collusion-risk-explained)
- [The safest way to custody bitcoin](https://onrampbitcoin.com/knowledge-center/safest-way-to-custody-bitcoin): a decision framework, not a sales page.

## Custody risk: what we argue and why

- [The True Cost of Bitcoin Custody and Insurance](https://onrampbitcoin.com/economics-of-protecting-bitcoin): why "insured" is the least informative word in the custody market. Pooled custodian policies cover a fraction of the pool; bespoke self-custody policies run 0.4% to 0.8% of assets per year on top of custody fees, with a client-selected 10% to 25% deductible. What the price of insurance reveals about the architecture underneath it.
- [Bitcoin Custody Insurance Disclosures](https://onrampbitcoin.com/research/bitcoin-custody-insurance-disclosure): a dated, sourced table of what 35 bitcoin custody providers, platforms, IRA providers and lenders say publicly about their insurance (carrier, whose interests are insured, limit, allocation, perils), with a CSV download.
- [The Proof of Reserves Illusion](https://onrampbitcoin.com/research/the-proof-of-reserves-illusion): proof of reserves is a snapshot of aggregate holdings on one date. It is necessary but not sufficient, and it is not proof that specific bitcoin is legally yours.
- [The Architecture of Failure](https://onrampbitcoin.com/research/the-architecture-of-failure): what the Prime Trust bankruptcy reveals about how most bitcoin is held for other people.
- [Can bitcoin be clawed back in a bankruptcy?](https://onrampbitcoin.com/knowledge-center/can-bitcoin-be-clawed-back-in-a-bankruptcy): Section 547 preference law lets an estate recover bitcoin withdrawn before a custodian's collapse.
- [Can a custodian take title to your bitcoin?](https://onrampbitcoin.com/knowledge-center/can-a-custodian-take-title-to-your-bitcoin): why contract language can move ownership, and why a claim is not the same as ownership.
- [Who custodies bitcoin ETFs?](https://onrampbitcoin.com/knowledge-center/who-custodies-bitcoin-etfs): ETF holders depend on concentrated third-party custodians they cannot see, evaluate, or choose.
- [What is rehypothecation?](https://onrampbitcoin.com/knowledge-center/what-is-rehypothecation-how-collateral-reuse-puts-your-assets-at-risk)
- [Proof of reserves vs proof of ownership](https://onrampbitcoin.com/knowledge-center/proof-of-reserves-vs-proof-of-ownership)

## Evaluating other platforms

- [Is Coinbase safe?](https://onrampbitcoin.com/knowledge-center/is-coinbase-safe)
- [Coinbase inheritance](https://onrampbitcoin.com/knowledge-center/coinbase-inheritance)
- [Best Coinbase alternatives](https://onrampbitcoin.com/knowledge-center/best-coinbase-alternatives-in-2026-what-to-consider-before-you-switch)
- [Moving your bitcoin off Coinbase](https://onrampbitcoin.com/knowledge-center/moving-your-bitcoin-off-coinbase-a-guide-to-stronger-custody-models)
- [Casa alternatives](https://onrampbitcoin.com/knowledge-center/casa-alternatives-5-bitcoin-custody-platforms-to-consider-in-2026)
- [Best bitcoin wallets](https://onrampbitcoin.com/knowledge-center/best-bitcoin-wallets-in-2026-how-to-choose-the-right-one-for-your-situation)
- [What was the Prime Trust bankruptcy](https://onrampbitcoin.com/knowledge-center/what-was-the-prime-trust-bankruptcy)
- [How was Bybit hacked](https://onrampbitcoin.com/knowledge-center/how-was-bybit-hacked)

## Inheritance

- [Bitcoin inheritance plan](https://onrampbitcoin.com/knowledge-center/bitcoin-inheritance-plan)
- [What happens to your bitcoin when you die](https://onrampbitcoin.com/knowledge-center/what-happens-to-your-bitcoin-when-you-die)
- [Bitcoin inheritance planning: key management and legal title transfer](https://onrampbitcoin.com/knowledge-center/bitcoin-inheritance-planning-secure-key-management-legal-title-transfer-strategies)

## Retirement

- [Bitcoin IRA](https://onrampbitcoin.com/knowledge-center/bitcoin-ira)
- [Should I hold bitcoin in an IRA?](https://onrampbitcoin.com/knowledge-center/should-i-hold-bitcoin-in-an-ira)
- [Should you use multi-institution custody for a bitcoin IRA?](https://onrampbitcoin.com/knowledge-center/should-you-use-multi-institution-custody-for-a-bitcoin-ira)
- [What is a self-directed IRA custodian?](https://onrampbitcoin.com/knowledge-center/what-is-a-self-directed-ira-custodian)
- [Top bitcoin IRA providers](https://onrampbitcoin.com/knowledge-center/top-bitcoin-ira-providers)

## Contact

- [Schedule a consultation](https://onrampbitcoin.com/consult)
- [About Onramp](https://onrampbitcoin.com/about)
- [Weekly Market Brief newsletter](https://onrampbitcoin.com/newsletter)

## Optional

- [Full details](https://onrampbitcoin.com/llms-full.txt)