ChainATM vs MoonPay
How does ChainATM compare to traditional crypto onramps? Here's an honest side-by-side.
What MoonPay is
MoonPay is a crypto onramp that lets users buy cryptocurrency with credit cards, bank transfers, and other payment methods. Embedded inside many wallets and dApps.
MoonPay solves one step: getting fiat into crypto. Once the crypto arrives, you are on your own for swapping, sending, or moving between chains. ChainATM covers the same first step and then the rest of it in the same conversation.
Common questions
Is MoonPay or ChainATM better for buying and sending crypto?
It depends on which part you do most. Pick MoonPay if what your use case turns on is what it is strongest at: Wide payment method support; Integrated in many wallets and apps. ChainATM is the better choice if you want to buy, swap and send from one conversation instead of three separate flows, and it charges 0% ChainATM fees on USDC and EURC. ChainATM is non-custodial throughout: it never holds your funds, and purchases are executed by Coinbase straight into a wallet you control.
What does MoonPay cost compared to ChainATM?
MoonPay: Up to 4.5% per transaction. ChainATM: 1 credit per transaction, from EUR 0.099 per credit, and 0% ChainATM fees on purchases of USDC and EURC. Other tokens use standard Coinbase on-ramp pricing. Network gas fees apply on both sides and go to the blockchain, not to the provider.
Can I use MoonPay and ChainATM together?
Yes. ChainATM is self-custody and does not require you to move away from MoonPay. Many people keep MoonPay and use ChainATM for the parts that are awkward elsewhere: cross-chain swaps in a single command, or fee-free USDC and EURC purchases.
Does ChainATM hold my crypto like MoonPay does?
No. Neither product holds your crypto: MoonPay and ChainATM are both self-custody. The difference is the interface, not the custody model. ChainATM is driven by plain-language text or voice rather than by forms, and we never have access to your keys in usable form.
Is ChainATM available in my country?
Availability depends on our on-ramp partners' supported regions. ChainATM is built by Noctra Labs UG (haftungsbeschränkt) in Trier, Germany, registered at Amtsgericht Wittlich under HRB 48033. The fiat on-ramp runs through Coinbase, with EUR purchases by SEPA, card and Apple Pay.
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. 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
When MoonPay is the better choice
MoonPay is genuinely the better choice for some people, and it is worth being straight about where. If any of these are what your use case turns on, pick MoonPay. A comparison page that cannot name the other product's advantages is not worth reading.
- Wide payment method support
- Integrated in many wallets and apps
- 35M+ users
- Available in 160+ countries
When ChainATM is the better choice
ChainATM is the better fit if buying is the start of what you want to do rather than all of it, and if you would rather not pay a percentage on every stablecoin purchase.
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.