Compared
Rampy vs Grey
Grey gives freelancers in parts of Africa foreign-currency account details and pays out to local banks in naira and shillings. Rampy gives USD and EUR bank details to people in many more countries and pays into stablecoins in a wallet you control. The two overlap for exactly one person: a freelancer paid from abroad who wants to choose between local cash and dollars on-chain.
We make Rampy, so read this knowing that. Rampy's figures are read from the code that charges them. Grey's are what its public pages said on 2 November 2026; they change, so check them before deciding, and tell us at support@rampy.money if one is wrong.
In one line each
For keeping foreign income as stablecoins you control, and selling to a bank when you choose.
For receiving foreign currency and cashing it out to a local bank in the African countries Grey serves.
Side by side
What arrives
RampyStablecoins in your own wallet, converted on arrival.
GreyA USD, EUR or GBP balance held at Grey.
Receiving a bank transfer
Rampy1.99% of each payment, no flat fee, no monthly charge. Bank details in your own name in USD and EUR.
GreyUSD by ACH or FedNow: 0.8%, minimum $2, maximum $10. USD by Fedwire: a flat $20.
Getting cash to your bank
Rampy1.99% + 1.99 below 500, then 0.99% + 1.99 from 500, in the stablecoin you send. Pays out to USD, EUR and GBP bank accounts; BRL, MXN and COP coming soon. A US wire carries our partner's $10 on top.
GreyConversion to naira at a published fee of about 1%, capped around $6, plus a small flat charge to withdraw; USD payouts by ACH at 0.5% (minimum $2, maximum $10) or wire at $20.
Account charges
RampyNone.
GreyNone published: no monthly fee and no fee to hold balances.
Who can pay in
RampyAnyone, by bank transfer. Payments from a third party are capped per payment; see the pricing page.
GreyThird-party USD deposits from individuals under $4,000 each; from businesses without a published limit.
Stablecoins and networks
RampyUSDC, USDT, EURC, PYUSD across 9 networks, delivered to a wallet only you control.
GreyNot part of the receiving product.
Who holds the money
RampyNon-custodial. Money goes from the payer, through our regulated partner, to a wallet you hold the keys to. There is no Rampy balance.
GreyGrey, as a balance, until you withdraw.
Where you can sign up
RampyMany countries, decided by our regulated partner at verification; see Where we work.
GreyA set of African countries, led by Nigeria and Kenya.
Where Grey is the better choice
You want naira or shillings in your bank
Grey pays out to local banks in the countries it serves. Rampy pays out in USD, EUR and GBP, with Brazil, Mexico and Colombia coming soon, and has no African payout rails.
You receive large single payments by ACH
Grey caps its ACH receiving fee at $10. On a $5,000 payment that is cheaper than Rampy's percentage.
Where Rampy is the better choice
You want to hold dollars, not a balance
Rampy converts the payment into USDC in a wallet only you control. There is no balance to freeze and no company between you and your money.
You are outside the countries Grey serves
Rampy's verification is open to customers in many countries; the availability page lists what decides it.
You also receive euros
Rampy opens EUR bank details paid by SEPA, converting to EURC, at the same 1.99%.
Some freelancers keep Grey for the local cash-out and send part of each month's income to Rampy to hold as stablecoins. A payment from Grey's USD details to your Rampy USD details is an ordinary bank transfer.
Common questions
Is Rampy custodial?
No. Stablecoins are sent to a wallet address you control, and money is paid out to the bank account you choose — yours, or somebody you are paying. Rampy is designed so that customer assets are not held by Rampy.
What fees does Rampy charge?
A buy or a sell is 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500 of the amount you send — pounds on a buy, the stablecoin on a sell. A swap is 0.5% of the amount, with no flat fee. A deposit account or an auto-convert address is 1.99% with no flat fee, which is cheaper than an order below about 500 and dearer above it. The pricing page shows the figures by amount.
Which countries are supported?
Availability varies by country, by product and by payment method, and is decided by our payments partner during verification rather than by us. The rails we run and the countries each one banks in are listed on the availability page. If a rail is not available to you, the app will not offer it.
Is Rampy available in Nigeria?
Verification and which rails open are decided by our regulated partner country by country. The availability page says what decides it, and signing up tells you your answer in a few minutes without committing to anything.
Try it with a small payment
Verification takes a few minutes and opens your bank details. Pay yourself a small amount from your own bank and watch it arrive as stablecoins. Nothing to subscribe to.
Grey's figures: Grey fees and charges, Grey help: USD deposit fees, read 2 November 2026.