SardineX / Sardine On-Ramp

SardineX / Sardine On-Ramp is a crypto payment gateway that accepts instant ACH, RTP, FedNow, cards and SEPA and delivers crypto, with, according to the company, a 100% guarantee against fraud and chargebacks based on Sardine's anti-fraud engine. It was founded in 2020 and works from San Francisco.

Products The list includes instant ACH-to-crypto with zero hold time, a Visa and Mastercard on-ramp, an NFT checkout and built-in fraud indemnification. The notable feature is that US users can withdraw crypto bought through ACH immediately, without the seven-day hold usually applied to such purchases.

Customers and markets Target clients are wallets, exchanges, Web3 games and DeFi projects. Listed geography is the United States, the EU, the United Kingdom and 60+ countries.

Fees A fee per transaction. Platforms integrating the gateway should ask who bears losses and under what conditions the indemnification applies, which assets are supported in each country, and what limits apply to card and bank payments.