Buying crypto with fiat in 1inch Wallet

Fiat-to-crypto functionality in 1inch Wallet simplifies onboarding and empowers users with instant, secure and flexible access to crypto assets.

For most users, their first step into the crypto world involves traditional currency. That’s why the path from fiat to crypto - often referred to as an "on-ramp" - needs to be straightforward, fast and reliable. Rather than requiring new users to navigate exchanges, complete lengthy verifications and transfer funds between services, 1inch Wallet offers a more direct approach. Just choose a token and fiat currency, and complete your purchase in a few taps.

Simple and fast access to crypto

Fiat-to-crypto purchasing has been part of 1inch Wallet for a long time. It allows users to exchange local currencies - such as USD, EUR or GBP -  for crypto right inside the app. This reduces complexity, saves time and supports self-custody from the very beginning.

Since on-ramp providers vary in how they operate - offering different rates, payment methods and regional availability - 1inch Wallet supports multiple top-tier services to ensure users around the world get the best possible experience. Of course, different territories allow different levels of availability. 

By enabling fiat purchases directly into a self-custodial wallet, 1inch Wallet gives users full ownership from the start. There’s no need to deposit funds into custodial platforms or leave assets exposed. You receive tokens straight into your wallet — and stay in full control at all times.

How it works

Buying crypto with fiat using 1inch Wallet is quick and intuitive. On Android, the flow is the following:

• Tap the Quick actions button at the bottom of the main screen
• Choose Buy

• First, select a token and its network. Use All networks mode to view tokens across chains or quickly find a token with the search field. Then, select the fiat currency you want to pay with.
• Enter the amount
• Select a payment provider — 1inch Wallet automatically suggests the best option for your needs
• You’ll be redirected to the provider’s interface to complete your payment.

Once done, your tokens are delivered straight to your wallet, ready to use, and the transaction is reflected in the Activity section.

On iOS, the flow is slightly different. Purchases are powered by Ramp, offering a direct buying experience:

• Select a wallet and a token to buy
• You’ll then be immediately redirected to the provider’s widget to complete the purchase.

Trusted fiat providers behind the scenes

1inch Wallet supports top-tier fiat providers to serve global users with varied preferences. You don’t need to pick from a long list — the app suggests the best option depending on your location and transaction details. Here’s a closer look at the providers that power this experience:

• Sardine: Offers ultra-fast payments with enhanced fraud detection, especially popular in the U.S. for ACH and debit transactions.
• Stripe: A global leader in payments, Stripe allows seamless card-based purchases in supported regions with a familiar and secure interface.
• Banxa: Supports over 135 countries with local payment methods and multiple fiat currencies, making it ideal for users who move internationally.
• MoonPay: Known for its user-friendly interface and broad crypto and fiat coverage, available in 160+ countries.
• Mercuryo: Offers competitive rates and flexible payment methods, especially strong in Europe and LATAM.
• Transak: Provides extensive token availability and multiple fiat options with wide regulatory compliance across 100+ countries.
• Ramp: Specializes in fast and easy fiat-to-crypto transactions, offering a simple, streamlined buying experience directly through its widget on iOS.

These providers are automatically surfaced based on your location, preferred currency and chosen token, ensuring the most seamless and cost-effective buying experience.

Buying crypto with fiat in the 1inch Wallet gives you the control, speed and simplicity you need to confidently explore the crypto space. It removes friction and opens the door to DeFi, NFTs and more — all in just a few taps.

Access fiat-to-crypto in your 1inch Wallet anytime, designed to keep things fast, flexible and in your control.