Ramp Network 2025 Year in Review

A year of fewer assumptions, clearer paths, and things that actually shipped

2025 was not a year of noise. It was a year of decisions. Some were deliberate. Some were unglamorous. Most were about removing friction rather than adding features. Almost all of them pointed in the same direction: making crypto feel less like an experiment and more like something you can actually use.

Ramp Network strengthened its foundations, doubled down on people, and took ownership of the full experience, from infrastructure to end user, while continuing to build for partners along the way. This is not a victory lap. It is a clear look at what changed, why it mattered, and what it quietly unlocked.

We stopped building just the rails

From infrastructure company to an app people actually use

For most of Ramp Network’s life, we did one thing extremely well. We powered on- and off-ramps for wallets, exchanges, and dApps. Reliable infrastructure, quiet by design.

In 2025, we kept the infrastructure, but we stopped assuming someone else would always own the end user experience. So we started building one.

Fixing the front door

Before you build an app, you fix the thing most people touch first. We rewrote our checkout from scratch. Faster, cleaner, and designed to remove the “is this working?” moments that break trust.

The result:

• Transactions start in about half the time
  
  
• Returning customers get one tap purchases
  
  
• Open Banking support launched in the UK and EU
  
  
• Shorter flows with significantly fewer drop offs
  
  
• Faster crypto delivery and live status updates
  
  
• Coverage across 135+ assets, 40+ fiat currencies, and 130+ countries
  

For partners, this was not cosmetic. It reduced friction, led to fewer failed or confusing transactions, and improved completion rates. Not dramatic, just better.

Putting Ramp Network in people’s pockets

Next came the iOS and Android apps*. The first versions focused on what Ramp Network already does best: buying and selling crypto reliably, using familiar flows, now available directly on mobile. Because the most common place people buy crypto is not a desktop. It is often moments before they need to use it.

*Not available for customers based in the EU

Giving people a reason to stay

Infrastructure helps you transact. A product helps you keep going. So Ramp Network launched cross-chain swaps* in app, designed to remove detours and uncertainty.

• 195+ pairs from day one, including native BTC to ETH
  
  
• Wallet-to-wallet flows that keep customers in self-custody
  
  
• Fixed transparent pricing, with refunds if something fails
  
  
• Cross-chain swaps in minutes, without bridges or exchange hop throughs
  

The idea was simple: DEX freedom with CEX reliability. Less friction, less panic.

*Not available for customers based in the EU

The everyday crypto account

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Finally, Ramp Network launched the feature that ties everything together: a stablecoin account* inside the Ramp Network App.

The concept is intentionally simple. Top up with familiar payment methods. Hold stablecoins in a self custodial wallet. Swap when you need crypto. Send money globally. Cash out when it is time.

The MVP was launched with USDC on Base, fast, low cost, and instant enough to feel invisible. It created a clear loop:

• Use USDC as an everyday crypto balance
  
  
• Buy crypto from that balance, swaps handled behind the scenes
  
  
• Sell crypto back into stablecoins when you want to reduce risk
  
  
• Send USDC globally by username or address
  
  
• Off-ramp to fiat using the same payout infrastructure Ramp Network has built for years
  

Same reliability, now with something people actually keep open on their phone.

*Not available for customers based in the EU

The foundations that make everything else work

Regulation, licences, and doing it properly

Crypto moves fast, regulation does not. Ramp Network chose to build for the second one anyway.

In 2025, we strengthened the foundations that quietly make everything else work, expanding regulatory coverage in the United States and securing one of the most important approvals in Europe. Not flashy. Absolutely essential.

A wider footprint in the United States

Ramp Network expanded US regulatory coverage with six new Money Transmitter Licences in Alabama, Alaska, Maryland, New Mexico, North Dakota, and Ohio.

This allows customers in those states to buy, sell, and swap crypto directly with Ramp Network, without relying on third party intermediaries. Smoother flows, higher success rates, and clearer compliance at both state and federal levels. It is not a dramatic announcement. It just removes friction.

Europe, unified

Ramp Swaps (Ireland) Limited, trading as Ramp Network, received its Crypto Asset Service Provider under the European Markets in Crypto Regulation from the Central Bank of Ireland.

This places us among the first companies operating under the European Union’s unified regulatory framework for crypto asset services. For years, crypto in Europe meant navigating a patchwork of national rules. MiCAR introduces one framework, one licence, and clear standards across all 27 EU member states.

For Ramp Network, this authorisation covers the core activities that enable compliant fiat to crypto  transfers under EU level supervision. It strengthens a foundation built over many years and prepares the company for full EU access as MiCAR comes fully into force. As a company founded in Europe, this was not about entering a new market. It was about leveling up in one we have always called home.

Why this matters

Licences do not ship features, but without them, features do not scale. These milestones give our teams the clarity to keep building responsibly and predictably. For partners and customers, it means fewer unknowns behind the scenes and more confidence using Ramp Network in everyday flows.

Eight years in, still building like it is day one

People, curiosity, and momentum you cannot fake

2025 marked Ramp Network’s eighth year. The real story is not the number. It is how we got here: still curious, still shipping, still full of people who turn rough ideas into reliable systems.

The people who hold it together

To mark the anniversary, we spoke with long tenured engineers about what building over years actually looks like. Their reflections were not a highlight reel. They were about small rooms, messy demos, sudden growth, and the work of making things stable while everything changes.

As one of them put it, working at a startup is like a long running series. Some seasons shine. Some teach patience. You keep watching because of the people.

Trust, in plain numbers

We also ran research to understand what makes people trust a crypto platform. The results were clear:

• 46.8 percent said security concerns are their top frustration
  
  
• 80 percent said visible fraud protection would make them comfortable with a first transaction
  

People do not want to onboard. They want reassurance. That insight shaped more than a blog post. It shaped the product. Trust has to be visible, not just technically true.

Learning as a default

Inside Ramp Network, curiosity is a system, not a perk. Throughout the year we invested in learning through external speakers and internal knowledge sharing, including sessions with industry leaders and deep dives into how regulation, risk, and product direction intersect. Not because it looks good online, but because staying sharp is part of staying useful.

A real community space

Ramp Network’s Warsaw office became more than a workplace in 2025. It became a place where meetups, technical sessions, and ecosystem conversations happen naturally. Company wide gatherings, WarsawJS events, and ETHWarsaw meetups all shared the same space, alongside fireside conversations with builders and thinkers like Psyho and Vitalik Buterin. It is not a brand exercise. It is participation.

Partnerships that did not just integrate, they expanded

More assets, deeper integrations, clearer paths

Building a consumer app did not mean turning inward. If anything, it made Ramp Network a better partner.

In 2025, we continued powering wallets, apps, and protocols with fiat infrastructure, while expanding what those partnerships enable for users. Not just more ways in, but more ways through and more ways out.

From listings to usable access

Ramp Network expanded asset and stablecoin support across a growing range of chains, focusing on credible, usable assets supported end to end. By year end:

• 135+ assets
  
  
• Across 38+ blockchains
  
  
• With expanding on- and off-ramp coverage
  

The number matters less than the principle. Users should not have to leave their wallet just because an asset becomes useful.

Closing the loop

Several long standing integrations moved beyond on-ramp only into full buy and sell support. That shift matters. It turns experimentation into everyday usage.

Showing up, deliberately

Partnerships do not form in isolation. In 2025, Ramp Network met partners face to face at events including London Blockchain Summit, Consensus Hong Kong, ETHDenver, Paris Blockchain Week, Token2049, and Zebu Live, where CEO Przemek Kowalczyk spoke on Web3 infrastructure and real world adoption. These were not appearances, they were working sessions.

What this year really changed

More responsibility. More momentum. A bigger shift than it looks.

2025 was not about one feature or one licence. It was about taking responsibility for the full journey. Ramp Network stopped assuming someone else would handle trust, usability, or outcomes. We built as if the experience was our job end to end, because it is.

In practice, that made this one of the most consequential years in Ramp Network’s history. We did not just refine what already existed. We explored an entirely new direction, moved from infrastructure alone to a product people use directly, and built a consumer app, wallet, swaps, and a new checkout in record time.

The result is not louder crypto. It is calmer crypto that holds, because it is designed, owned, and operated as a whole.

Looking ahead

Building, steadily

If 2025 was about ownership, 2026 is about reach and usefulness. We plan to expand the app across Europe, continue building new wallet features, enable earning on stablecoin balances, support spending with USDC cards, and deepen support for more assets, chains, partners, and licences. Not because bigger is better, but because usefulness scales.

A word from our CEO

“This year was about doing the hard work properly. Building strong foundations, listening closely to customers and partners, and taking responsibility for the full experience. I am incredibly proud of the team for how thoughtfully they approached that challenge. As we look ahead, our focus stays the same: making crypto work in real life, for real people, in a way that is safe, simple, and sustainable. Thank you to everyone who has been part of this journey with us.” – Przemek Kowalczyk, Co-Founder and CEO, Ramp Network

As the year comes to a close, thank you for the trust you place in us. Enjoy the holiday season, rest if you can, and know that Ramp Network will be here when you are back.

Happy holidays from all of us at Ramp Network!