ChainATM vs MoonPay
How does ChainATM compare to traditional crypto onramps? Here's an honest side-by-side.
Feature Comparison
| ChainATM | MoonPay | |
|---|---|---|
| Approach | AI-powered text and voice commands | Widget-based checkout flow embedded in partner apps |
| Fees | 1 credit per transaction (from €0.099/credit). 0% on USDC and EURC. | Up to 4.5% per transaction |
| AI Assistant | Yes — Google Gemini 2.5. Natural language understanding. | No |
| Voice Commands | Yes — iOS app with voice control | No |
| Custody | Self-custody. Your keys, always. Biometric security. | Non-custodial (delivers to your wallet) |
| Swap & Send | Yes — buy, swap, and send in one chat interface | No — buy only |
| Cross-Chain | Yes — automatic routing via LI.FI across 9 chains | No |
| Fiat Onramp | Yes — credit card, Apple Pay, bank transfer (via Coinbase) | Yes (the whole product) |
| Account Required | Email or social login — 30 seconds | Varies |
What MoonPay Does Well
MoonPay Strengths
- Wide payment method support
- Integrated in many wallets and apps
- 35M+ users
- Available in 160+ countries
MoonPay Limitations
- High fees (up to 4.5%)
- No AI or voice commands
- Widget-only — no standalone app experience
- No swap or send functionality
- No cross-chain
Why Choose ChainATM Over MoonPay?
AI instead of widgets
MoonPay uses widget-based checkout flow embedded in partner apps. ChainATM lets you type or speak what you want — "Buy $100 of USDC on Solana" — done.
Buy, swap, and send in one app
MoonPay only handles fiat-to-crypto. ChainATM also swaps tokens (cross-chain via LI.FI) and sends to any wallet — all conversational.
0% on USDC and EURC
MoonPay charges up to 4.5% on transactions. ChainATM is 0% on USDC and EURC purchases — provider fees and transaction fees both removed.
Voice on iOS
MoonPay has no voice interface. ChainATM is the only crypto buying tool with voice commands on iOS.