Onramp Launches Finance Platform Combining Cash, Bitcoin and Gold in One Account

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Onramp has launched a new platform that brings cash management, bitcoin access and gold ownership into a single account, as financial firms compete to simplify long-term wealth strategies. The Austin-based company announced today the debut of Onramp Finance, a unified platform designed for individuals and families focused on multi-decade wealth building. The product combines cash accounts offering up to 5% in rewards, bitcoin brokerage across all 50 states, bitcoin IRAs, direct gold ownership and a spending card with cash back, according to statements seen by Bitcoin Magazine. CEO Michael Tanguma framed the launch around traditional wealth-building principles rather than short-term market strategies. “Sound financial planning has always rested on a few simple ideas,” Tanguma said in the announcement. “Live on less than you make. Put the rest into things that hold their value. Pass them on intelligently.” The platform groups its services into three core functions: earning, accumulating and spending. Users can hold cash and receive rewards funded by Onramp, move funds into bitcoin or gold, and use a card that returns up to 1.5% cash back. Those rewards remain in the same account and can be redeployed into other assets. Onramp’s solution for fragmented financial services Onramp said the platform is designed to address what it describes as fragmentation in financial services, where investors often rely on separate providers for banking, brokerage, custody and retirement accounts. The launch also reflects broader shifts in how firms position bitcoin within traditional financial planning. By pairing bitcoin access with gold and cash management, Onramp is targeting users who view digital assets as part of a diversified, long-term portfolio rather than a speculative trade. The company has operated in bitcoin custody and advisory services since 2023, working with individuals, financial advisors and institutions. Its custody model spans multiple providers, including BitGo, Coinbase, Coincover and Tetra, with insurance coverage through Lloyd’s of London. Onramp Finance also serves as an entry point into the firm’s broader offerings, which include financial planning and inheritance structuring tied to digital assets. Onramp’s Genesis Program launch Alongside the launch, the company introduced a limited “Genesis Program,” capped at 210 participants. The program includes incentives such as a no-fee custody vault for one year with a minimum deposit requirement of 2 bitcoin, early product access and direct communication with company leadership. Participants must complete a qualifying trade of at least $100 within 30 days of signing up. Slots are assigned in the order trades are executed. The rollout comes as fintech firms expand integrated platforms that combine banking, investing and alternative assets, aiming to capture users seeking fewer providers and more control over long-term holdings.

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