Why Small Businesses Are Rushing Into Crypto — And How to Choose the Right On/Off-Ramp in 2025

Let's imagine a small business owner. He wants to keep up with the times — accept cryptocurrency, attract new customers, and reduce payment costs.

However, he has certain doubts: how to solve technical issues, conversion to fiat currency, and commission fluctuations? Even experienced entrepreneurs may find this too complicated.

However, the figures paint a different picture. According to Coinbase analysts' State of Crypto Q2 2025 report, the share of small and medium-sized businesses (SMBs) using cryptocurrency has doubled in a year: 34% of companies already work with digital assets (compared to 17% in 2024).

The use of stablecoins has also grown from 8% to 18%, and the number of businesses accepting or making payments in crypto has grown from 16% to 32%.

The main factors behind this growth are obvious: lower fees, faster transactions, and the convenience of international payments.

So, the logical question is: how can businesses start accepting crypto without technical problems and financial losses?

Simplifying Crypto Adoption for Businesses: Fast, Secure, and Borderless

In today's financial world, cryptocurrencies are becoming a bridge between the traditional economy and digital assets, and On-Ramp and Off-Ramp serve as key tools for this transition. They allow businesses and private users to easily enter the world of cryptocurrencies and exit it just as easily.

On-Ramp is a way to convert fiat money, such as dollars or euros, into cryptocurrency. For companies, this means quick access to digital assets: buying Bitcoin, Ether, or stablecoins using a bank card, e-wallet, or exchange.

The process usually involves basic KYC/AML verification, after which the funds are immediately credited to an account or wallet. This approach is convenient not only for investments, but also for paying partners in crypto or participating in DeFi projects.

On the other hand, Off-Ramp allows crypto back into regular money. Businesses can withdraw profits in fiat money, protect themselves from volatility, or pay for services in the traditional economy. To do this, they use exchanges, P2P platforms, e-wallets, or direct bank transfers.

For small businesses, such tools open up new opportunities:

• fast payments without unnecessary intermediaries;

• lower fees than traditional payment services;

• expansion of the customer base — crypto payments have no borders;

• easy work with foreign partners without currency restrictions.

Comparing On-Ramp and Off-Ramp Solutions: Kraken, WhiteBIT, and Coinbase in Focus

On-Ramp and Off-Ramp services play a significant role in the financial industry, ensuring a smooth transition between fiat and digital assets.

Therefore, when choosing an exchange to provide services, important criteria include regulatory reliability, payment method coverage, liquidity, transaction costs, and technical integration. Let's analyze how this works on the Kraken, WhiteBIT, and Coinbase exchanges.

Kraken Ramp focuses on reliability and global accessibility:

• Reliable and compliant infrastructure – licensed and secure channels with leading fraud prevention systems.

• Global payment coverage – support for over 24 payment methods: cards, ACH, PIX, SEPA, Apple Pay, Google Pay, and more.

• Deep liquidity and competitive pricing – access to institutional-grade liquidity pools, ensuring reliable order execution and tight spreads.

• Extensive asset and network support – over 400 crypto assets on more than 100 blockchains.

• Seamless integration – a unified API and SDK for quick connection without additional development costs.

Kraken is suitable for those who value security, global accessibility, and professional trading tools, especially for enterprises and large investors.

WhiteBIT stands out for its flexibility and transaction speed:

• Various payment methods – cards, bank transfers, e-wallets.

• Instant conversion between cryptocurrency and fiat currency.

• Multi-format withdrawals – P2P transactions, exchangers, centralized exchanges.

• Institutional deposits and withdrawals – individual limits of up to €100,000 per transaction.

• IBAN transfers – the ability to send funds directly to a bank account.

For those who value fast conversion, a wide range of payment methods, and working with large amounts.

Coinbase focuses on simplicity and automation:

• Support for multiple fiat currencies for users from around the world.

• Over 250 crypto assets available.

• User-friendly interface and registration — new users can quickly get started without any complications.

• Automatic risk management and support — the platform independently processes payment verifications, fraud cases, and user requests.

Coinbase is suitable for retail investors and those who value simplicity, quick integration, and minimal technical support requirements.

Smart Steps for Selecting a Secure and Efficient On/Off-Ramp Solution

For small businesses looking to integrate crypto into their financial processes, choosing the right On/Off-Ramp service can be a key factor in efficiency and security. To make this process as convenient and secure as possible, it is worth following a few simple but important steps:

1. Commissions and exchange rates — compare several platforms, evaluating not only fixed commissions but also hidden costs when exchanging currencies.

2. Reliability and reputation — it is better to choose services with a long history and positive reviews from other investors.

3. Regional restrictions — make sure that the chosen platform supports your region and payment methods that are convenient for your customers and business processes.

4. Security — choose platforms with two-factor authentication (2FA), reliable SSL encryption, and a clear data protection policy. This will minimize the risk of losing funds or compromising information.

5. Ease of use — evaluate the interface, transaction speed, and support. Even the most reliable service becomes a problem if it is difficult to use or support responses are delayed.

6. Cryptocurrency support — make sure the service supports the cryptocurrencies you need for your transactions.