Topper

Topper is a fiat on-ramp widget built by Uphold and embedded directly into wallets and dApps. A partner drops the checkout flow into its own interface, and users buy crypto with debit or credit cards, Apple Pay, Google Pay, PayPal, Venmo or SEPA transfer, with assets delivered straight to a self-custodial wallet. The sell side converts holdings back to fiat and pays out to a debit card.

It covers more than 250 assets across 30 networks in over 150 countries, with off-ramping across 36 networks to Visa and Mastercard debit cards and daily limits of 2,500 dollars for cards and 30,000 dollars for SEPA. Identity checks and anti-money-laundering are handled by Uphold, and KYC sharing introduced in 2025 lets a verification result carry into later sessions, so partners need no compliance stack of their own. Fees vary by method, about 0.99 percent for SEPA transfers and 1.75 percent plus network cost when selling. Integrated partners include Phantom, Magic Eden, Trezor, Onramper, Changelly and the Ulys smart wallet, the last of which lets users fund with USDC and swap into more than a hundred tokens.