Onramp has unveiled a unified finance platform that combines cash management, bitcoin services, and direct gold ownership within a single account. The Austin-based startup’s offering arrives as fintech companies increasingly seek to streamline long-term wealth strategies by merging conventional and digital asset services.
Integrated approach to wealth building
The new product, branded Onramp Finance, targets individuals and families interested in building wealth for the long term. The account allows users to earn up to 5% in rewards on cash balances, access bitcoin brokerage across all U.S. states, hold bitcoin within retirement accounts, invest directly in gold, and spend via a card offering up to 1.5% cash back.
Onramp structures these features around three primary pillars: earning, accumulating, and spending. Cash rewards credited to the account can be reinvested into bitcoin or gold, allowing users to shift between assets as they choose while managing everything in one location.
Chief Executive Officer Michael Tanguma described the company’s vision as rooted in classic financial principles. In the launch announcement, Tanguma connected the platform’s design to themes of prudent spending, value-oriented investing, and thoughtful asset transfer, presenting Onramp’s solution as a tool to help users manage and preserve wealth across generations.
Sound financial planning has always rested on a few simple ideas. Live on less than you make. Put the rest into things that hold their value. Pass them on intelligently.
The company’s custody model is notable for using multiple providers, such as BitGo, Coinbase, Coincover, and Tetra, with insurance support from Lloyd’s of London. This approach is aimed at increasing reliability and security for digital asset storage.
Bridging gaps in the financial sector
Onramp’s solution is positioned as a response to fragmentation in the financial industry, where clients often maintain separate relationships for banking, investment, custody, and retirement planning. By bringing these functions under one umbrella, the platform seeks to simplify portfolio management for its users.
The move also reflects evolving views within the sector, as more traditional wealth management firms begin integrating bitcoin and other digital assets alongside legacy alternatives like gold and cash. Onramp expects this diversification will appeal to those who see digital assets as a component of a balanced, long-term portfolio rather than just a short-term speculative play.
Founded in 2023, Onramp works with individual investors, financial advisors, and institutional partners. Its services beyond Onramp Finance also include tailored financial planning and guidance on inheritance strategies involving digital assets.
Genesis Program offers early access
Alongside the launch, Onramp introduced a limited Genesis Program, available to just 210 participants. The initiative grants unique incentives such as a one-year, fee-free custody vault with a minimum deposit commitment of 2 BTC, prioritized product access, and direct communication channels with leadership.
Applicants must complete a minimum $100 qualifying trade within 30 days, with slots allocated according to the sequence of completed trades. The program aims to attract early adopters interested in shaping the platform’s development.
As financial technology firms continue to seek new ways to centralize and simplify long-term asset management, Onramp’s latest move marks another step toward integrated services for clients seeking confidence and control over diversified holdings.
