On-ramps and crypto aggregators aren't the same thing, and mixing them up stalls integrations A category confusion that slows down a lot of Web3 product builds: treating stablecoin on-ramps and crypto account aggregators as interchangeable. They solve different problems and integrating the wrong one can cost weeks. A crypto aggregator (the Plaid-for-crypto model) connects to wallets and exchange accounts the user already has. It reads balances, can move funds between accounts the user controls, and requires no KYC for new buyers. It also does no first-time fiat onboarding. If your user has never bought crypto, an aggregator cannot get them in. A stablecoin on-ramp turns fiat into stablecoins for new and existing users. It accepts payment methods (cards, bank transfers, local options like UPI or PIX), runs KYC, delivers stablecoins to a wallet address you specify, and carries the regulatory surface for the conversion.…