Torque Business vs Ramp
Torque Business vs Ramp: checkout, treasury, payouts, & finance ops.
| Dimension | Torque | Ramp |
|---|---|---|
| Custody | Non-custodial business treasury | Corporate banking custody; not self-custodial cryptoSource: 2026-05 |
| Checkout & orders | Torque Business checkout SDK & orders | Corporate cards & expense captureSource: 2026-05 |
| Payouts & treasury | Cross-chain payouts & multi-asset treasury | Bill pay, vendor ACH, & card spendSource: 2026-05 |
| Reconciliation | Reconcile in Torque Business & sync to your stack | Accounting integrations & expense automationSource: 2026-05 |
| Settlement | On-chain settlement across supported assets & chains | Bank-linked corporate cards & ACHSource: 2026-05 |
| Multi-asset | 126+ assets for checkout, treasury, & payouts | USD spend management; not multi-asset tradingSource: 2026-05 |
| Cross-chain | Unified routing across major chains | VariesSource: 2026-05 |
| Trading & credit | Trade, lend, & borrow optional beside business ops | Not a trading or crypto credit stackSource: 2026-05 |
Ramp Strengths
- Corporate cards
- Expense automation
- Bill pay & accounting
Why Torque Business
- Torque Business — crypto checkout, orders, & treasury vs card-only spend tools
- Cross-chain payouts, settlement, & multi-asset balances in one business profile
- Reconcile in Torque Business & sync to your stack — not fiat-only expense workflows
Where Torque Is Still Catching Up
- Younger brand than household-name exchanges and neobanks
- P2P ramp is not card-first like major CEX checkout flows
- Marketing volume tiers are illustrative until tied to live billing
When Ramp May Be a Better Fit
- Ramp is the better fit when corporate cards is your top priority.
- Ramp is the better fit when expense automation is your top priority.
- Ramp is the better fit when bill pay & accounting is your top priority.
When Torque Business Is a Better Fit
- You run crypto checkout, vendor payouts, or cross-border treasury and want one business operational layer.
- You need multi-asset settlement and on-chain treasury beside traditional corporate spend tools.
- You are evaluating Ramp-style finance ops and want crypto-native orders, payouts, and reconciliation in Torque Business.
Try Torque in Three Steps
- Create your Torque account at app.torque.fi with email or Google.
- Fund via P2P ramp or deposit BTC, ETH, USD, or any supported asset into one unified balance.
- Run the next trade you would normally place on Ramp and compare fees, routing, and settlement.
FAQ
- Is Torque a Ramp alternative?
- Torque can replace parts of your Ramp workflow — especially on-chain trading, rebalancing, lend/borrow, and self-custody — but the products are not identical. Compare custody, unified portfolio, fees, fiat access, futures, and asset coverage before you switch.
- How do Torque fees compare to Ramp?
- Torque charges 30 bps on same-chain swaps in the app today, plus gas and routing spread. Futures use a separate fee schedule. Check each platform's live quote before you trade.
- Does Torque support lend, borrow, and a unified portfolio?
- Yes. Torque is built around one non-custodial balance where you trade, transfer, lend, and borrow across cash, stocks, and commodities — not a swap-only or exchange-custody model.
- Can individuals and businesses use Torque?
- Yes. The same smart-account wallet supports personal trading and treasury plus business checkout, orders, and payout flows — without splitting tools between a neobank, a CEX, and a DeFi wallet.
- Can I use Torque and Ramp together?
- Many users keep legacy balances on Ramp while trading actively in Torque. Move assets into your Torque account when you want unified routing across cash, stocks, and commodities.
- Is Torque non-custodial?
- Yes. Torque is non-custodial — you control your account while Torque provides routing, ledger intents, and settlement.
Not financial advice. Digital assets involve risk. Fees, gas, routing spread, and availability vary by asset, chain, and region. Verify live quotes in the app before trading.
