# ChainATM vs MoonPay

> 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.

## Side-by-side

| | ChainATM | MoonPay |
|---|---|---|
| Website | https://www.chain-atm.com | moonpay.com |
| Category | AI-powered crypto wallet (chat + voice) | onramp |
| Fees | 1 credit per tx (0% on USDC and EURC) | Up to 4.5% per transaction |
| Interface | AI chat (voice + text) | Widget-based checkout flow embedded in partner apps |
| Custody | Non-custodial (self-custody wallet) | Non-custodial (delivers to your wallet) |
| AI commands | Yes (Google Gemini 2.5) | No |
| Voice commands | Yes (iOS) | No |
| Fiat onramp | Yes (Coinbase) | Yes |

## MoonPay strengths

- Wide payment method support
- Integrated in many wallets and apps
- 35M+ users
- Available in 160+ countries

## MoonPay weaknesses

- 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 chat interface instead of widget-based checkout flow embedded in partner apps
- Buy + swap + send in one app (MoonPay only handles fiat-to-crypto)
- 0% fees on USDC and EURC — MoonPay charges up to 4.5%
- Voice commands on iOS

## Related

- [All comparisons](https://www.chain-atm.com/compare.md)
- [Buy crypto](https://www.chain-atm.com/buy.md)
- [Pricing](https://www.chain-atm.com/pricing.md)