Onramp, the bitcoin financial services platform built on Multi-Institution Custody, has launched Onramp Business, a dedicated account product enabling companies to hold bitcoin on their balance sheets with institutional-grade governance controls. The free accounts include named users, role-based permissions, withdrawal approval policies, and a complete audit trail, with most businesses verified within a business day. Two premium tiers — Onramp Treasury and Onramp Enterprise — launch alongside the core offering for companies with larger holdings. Existing clients including Pacific Office Designs, Bitcoin News, and Build Collateral Agent, LLC are already using Onramp for corporate bitcoin holdings.

Key Points

  • Onramp (FNEWS) — bitcoin financial services platform headquartered in Austin, United States
  • Onramp Business launched on 10 November 2026, offering free corporate bitcoin accounts with a 0.85% trade fee and qualified custodian storage
  • Onramp Treasury tier starts at $375 per month, lowers the trade fee to 0.65%, and supports up to five users and two vaults; companies activating Treasury by 31 December 2026 receive white-glove onboarding and no onboarding fee
  • Investors and corporate treasurers should watch adoption rates across the three tiers and whether Onramp Enterprise attracts funds and miners at scale

Onramp Business Offers Free Accounts With 0.85% Trade Fee and Qualified Custodian Storage

Onramp Business accounts are free to open and carry a 0.85% trade fee, with bitcoin held by a qualified custodian. Each account supports up to three named users assigned as owner, admin, or view-only roles, ensuring a bookkeeper or board member can monitor holdings without the ability to initiate transfers. Withdrawal approval policies require a second person to authorise any movement of funds, mirroring standard bank wire controls. Verification, user setup, funding, and purchases all occur within the platform, with bitcoin settling directly into custody. The company states most businesses are verified within a single business day.

Multi-Institution Custody Model Protects Corporate Bitcoin Across Three Independent Institutions

Onramp's Multi-Institution Custody structure underpins the Treasury and Enterprise tiers, with each vault protected by three independent institutions drawn from a network of four: Onramp, BitGo, CoinCover, and Tetra Trust. Under this model, no single institution can lose, move, or use a client's bitcoin, and nothing moves without the company's explicit permission. Onramp Treasury, priced from $375 per month, holds bitcoin in a vault registered in the company's own name, lowers the trade fee to 0.65%, and includes migration support for existing holdings alongside continuity planning to maintain security through leadership transitions.

Physical Attack Data and Rising Operating Costs Underpin the Case for Governed Corporate Bitcoin

The announcement references 52 reported physical attacks on bitcoin and crypto holders in the first half of 2026, described as a 33% increase from a year earlier, highlighting the security exposure businesses face when holding a bearer asset. Onramp positions its governance framework as a direct response to boards that have previously stalled bitcoin treasury adoption because they could not answer how holdings would be secured and managed. The announcement also cites rising business costs — including a 12.9% increase in health insurance for New York service firms — as broader context for the financial pressures businesses face, though these figures are cited as market backdrop rather than Onramp-specific data.

Onramp Enterprise Available by Consultation as Build Collateral Agent Endorses the Platform

Onramp Enterprise, the top tier, targets funds, miners, and large corporate treasuries with custom vault configurations and bespoke approval structures, and is available immediately by consultation. Build Collateral Agent, LLC President John Ruth stated in the announcement that the company selects partners based on risk mitigation considerations including eliminating single points of failure, and that Onramp's multi-institutional model aligns with that philosophy. Ruth added that service levels have exceeded expectations. Onramp Enterprise pricing was not disclosed in the announcement. Companies can apply for all tiers at onrampbitcoin.com/business.