According to BroadChain, at 00:16 on April 23, CryptoNews reported that Onramp officially launched the Onramp Finance platform on April 21, 2026, integrating cash management, Bitcoin brokerage services covering all 50 U.S. states, Bitcoin IRA retirement accounts, physical gold ownership, and a spending card into a single interface. The platform aims to address the fragmentation of financial services faced by long-term Bitcoin holders, rather than merely offering custody or price exposure.
The platform adopts a multi-institutional custody model, integrating services from BitGo, Coinbase, Coincover, and Tetra, and is insured by Lloyd's of London to eliminate single points of failure. Its services are built around three core functions: earning, accumulating, and spending. Cash accounts offer rewards of up to 5%, while the spending card provides cashback of up to 1.5%, which can be reinvested in Bitcoin or gold.
The platform simultaneously launched the "Genesis Program," limited to 210 participants. It requires a minimum deposit of 2 Bitcoin and at least $100 in transactions within 30 days. Participants can enjoy benefits such as one year of free custody fees, early access to products, and direct communication with the company's management. Its target audience is clearly defined as wealth builders and high-net-worth individuals who view Bitcoin as a long-term holding for decades, rather than short-term traders.