The amount of crypto you receive is based on the exchange rate at the time your payment reaches our account (the moment we actually receive the funds you sent), not when you place the order.

The faster your payment method is, the less likely the exchange rate will change significantly between the time you initiated the transaction and when we receive your funds.

📈 Floating Exchange Rates

At Ramp, we use a floating exchange rate model to price cryptoassets. A floating exchange rate means the value of a currency changes based on market supply and demand.

In the context of cryptocurrencies, floating exchange rates mean that the value of a cryptoasset can change between the time you initiate a transaction and when the transaction is completed.

📊 Why Crypto Rates Fluctuate

Crypto exchange rates fluctuate due to various factors

Market Demand and Supply: High demand or low supply can increase rates.
Economic Factors: News, regulations, and economic indicators can impact rates.
Technological Developments: Innovations and improvements in blockchain technology can influence prices.
Market Sentiment: Investor confidence and market trends can cause rapid price changes.
Liquidity: High liquidity leads to more stable prices, while low liquidity can cause significant fluctuations.

💸 Payment Methods and Transaction Speed

The speed of your payment method influences how quickly your transaction is completed, which can affect the exchange rate you receive. Different payment methods have varying settlement times, so choose wisely to get the best rate.

Please note that not all payment methods are available in every region. Below is a table showing the time it takes for each payment method to settle and its availability. For more information, check out What payment methods does Ramp support for buying crypto?.

Payout method	Settlement time (indicative)	Available in
💸 Easy Bank transfer	Approx. 2 min (GBP) 10-20 min (EUR)	🇬🇧 United Kingdom; 🇨🇭Switzerland; 🇲🇨Monaco; 🇪🇺 EEA (European Economic Area)
🏦 Bank transfer (manual)	Typically 10-20 min (may vary; see below)	🇬🇧 United Kingdom; 🇨🇭Switzerland; 🇲🇨 Monaco; 🇪🇺 EEA (European Economic Area)
💳 Credit cards (Visa or Mastercard only)	Up to 5 min	🌐 Global (all on-ramp supported countries)
💳 Debit cards (Visa or Mastercard only)	Up to 5 min	🌐 Global (all on-ramp supported countries)
🍎 Apple Pay*	Up to 5 min	🌐 Global (all on-ramp supported countries)
📱 Pix	Approx. 2 min (BRL)	🇧🇷 Brazil
[temporarily unavailable] 🇬 Google Pay**	Up to 5 min	🇦🇺 Australia; 🇧🇷 Brazil; 🇨🇦 Canada; 🇬🇮 Gibraltar; 🇭🇰 Hong Kong; 🇲🇾 Malaysia; 🇲🇽 Mexico; 🇳🇿 New Zealand; 🇸🇬 Singapore; 🇨🇭 Switzerland; 🇹🇭 Thailand; 🇦🇪 United Arab Emirates; 🇬🇧 United Kingdom; 🇪🇺 EEA*** (European Economic Area)

💡 Tips for Faster Transactions

To get the best exchange rates, choose the fastest payment methods available when purchasing and send your crypto as soon as possible when selling. Here are some tips to help you complete your transactions quickly and secure the best exchange rates:

Use Easy Bank Transfer, Credit/Debit Card, Apple Pay, or Google Pay for quicker transactions.
Avoid manual bank transfers if you're concerned about rate fluctuations.

🏷️ Price discovery

Price discovery involves the process of determining the price of an asset in the market through the interaction of buyers and sellers. At Ramp, we utilize data from a trusted partner that aggregates price information from more than 300 crypto exchanges, covering over 30,000 trading pairs across diverse markets. Additionally, we collaborate with another prominent crypto price aggregator to enhance data accuracy and reliability, ensuring robust price discovery mechanisms.