§ Swap · 8 swap services · live
Already have crypto? Compare swap rates.
Convert 670 assets (ETH, USDT, PEPE, and more) to native Bitcoin — side-by-side quotes from 8 swap services that pay out to your own wallet. No middleman markup. No cherry-picking. The "Best Rate" badge goes to the highest live quote within ±10% of peer-median, when at least 4 providers quote — never an outlier, never a sponsored slot.
Not financial advice — compare and verify rates yourself before swapping. Verify is stronger than trust.
How it works
- 01 Choose a coin
- 02 Set amount
- 03 Compare 8 rates
- 04 Click through
- 05 Receive native BTC
Auto-refresh every 30s · updated just now
● – live · – no-key
Quotes · 8 providers · Ref · CoinGecko
Fetching live quotes from 8 providers…
| # | Provider name · sub-tag | Auth method | You receive BTC · vs 2nd · vs worst | Rate BTC · vs peers | Type fixed / float | Action |
|---|
✓ Sanity check
peer median — sats
·
Reference CoinGecko within — of median
Health · live /health endpoint
– live · – no-key · 0 down
You're seeing all 8 quotes because honesty beats cherry-picking. The "Best Rate" badge goes to the highest live quote within peer-median tolerance, when at least 4 providers quote — never an outlier, never a promoted partner. The comparison earns nothing, and no provider can pay for a better position.
Your Bitcoin goes directly to your wallet. We never touch your funds.
Provider terms — every swap completes under the chosen provider's own rules. For FixedFloat: The exchange service is provided by FixedFloat. Creating an order confirms your agreement with the FixedFloat rules.
How your request travels
Your browser never talks to a provider directly for quotes. It talks to our Cloudflare Worker, which fans your request out to all 8 in parallel — hashing your IP for rate-limiting only, never logging it. You see the quotes and pick one. From there you're handed off to that provider to finish the swap on their own site — you send them your crypto, they send the Bitcoin to your wallet. We never sit in the money path.
01 · Browser
BROWSER
you
- ✓ ETH selected
- Strict CSP · CF Insights only
- No cookies · no login
02 · Edge worker
ybb-swap-rates
Cloudflare Worker
- HMAC-SHA256 hash(IP)
- 60s KV TTL · rate-limit only
- ticker → canonical → native BTC
- 8 provider adapters
- Observability: DISABLED
- MiCA — not financial advice
- GDPR §13.1(e) — recipients listed
03 · Providers · 8 parallel
04 · Destination
your address
₿ native BTC
- non-custodial
- funds: provider → you
- we never touch it
user IP → CF edge — hashed at the worker, never logged
worker egress IP → providers — providers never see your IP
deep-link to provider — funds go provider → your address
GDPR §13.1(e) — RecipientsOur Cloudflare Worker (processor) + Cloudflare (sub-processor). At quote time, all 8 providers receive only the worker's egress IP plus your pair and amount — never your IP. At hand-off, the one provider you pick. No profiling, no sharing.
MiCA — Not financial adviceWe rank by rate & reliability. We never recommend. Verify every quote with the provider before sending funds.
✓ Zero-IP by design
Your IP is hashed (HMAC-SHA256) for rate-limit only, 60s TTL. We never log it.
↘ New here · no crypto yet?
Buying Bitcoin for the first time?
These services take your local currency — dollars, euros, and more — and get you your first sats. Pick the path that fits you.
Exchanges
Buy with your bank account or card on major platforms like Coinbase, Kraken, and Binance. KYC required.
Browse 37 exchanges → On-rampsDedicated buy-Bitcoin apps — Strike, River, Swan, Relai. Pay by bank or card; many are Bitcoin-only, a few need no KYC.
Browse 18 on-ramps → Cash & ATMsInsert cash at a machine, or buy locally and peer-to-peer. Coinhub, Hodl Hodl, Cash App. Many need no ID for small amounts.
Browse 14 cash & ATM options →Every service listed is reviewed by the founder. We never touch your funds. Read our mission → Compare on-ramps below ↓
§ Starting from fiat · a different game
On-ramp comparison · fiat to BTC
The aggregator above compares crypto → Bitcoin. Buying with a card or bank transfer is a different surface — KYC tiers, geography, and speed all matter, and the real price is fee + spread, not a single number. Ranked here by lowest all-in cost on a bank transfer.
⚠ Read the live quote Most on-ramps don't publish their spread, and it moves with the market. The figures below are researched estimates as of 9 June 2026 — not quotes. Always confirm the total at the provider before you send funds.
| # | Provider custody model | All-in cost bank · card · fee+spread | Pay methods | KYC tier | Geo reach · notable excl. | Settle | Action |
|---|---|---|---|---|---|---|---|
| 01 | Strikecustodial · full Lightning + on-chain withdrawal · Bitcoin-only | ~1% bank~3.5–4% card · ACH free · 3% deposit + tiered 0.99→0.39% trade | ACH · debit | full · SSN >$1k | 50 US states · 95+ countries | instant (LN) | open ↗ |
| 02 | Coinbase Onrampcustodial by default unless an external address is set | ~1–2.5% ACH~3–4.5% card · 0.5% ACH / 2.5% card + spread | ACH · card · Apple/Google Pay | account required | Coinbase countries (excl. Japan) | instant (bal) / ACH 1–5d | open ↗ |
| 03 | Ramp Networknon-custodial · BTC to your own wallet | ~1.4–2.4% bank~4–4.5% card · SEPA to 1.4%, card to 3.9% | card · SEPA · Easy Bank | ID on all buys | 150+ countries · US excl. 8 states | card ~5min / SEPA to 3d | open ↗ |
| 04 | Banxanon-custodial · BTC to your own wallet | ~2–4% bank~4–6% card · 1.99% card fee + 2–4% spread | card · SEPA · PayID +more | full always | 180+ countries · AU-strong · US: LA/MO/NY/TX excl. | card instant / bank 1–3d | open ↗ |
| 05 | Mercuryonon-custodial on-ramp (standalone app is custodial) | ~2–4% bank~5–7% card · 3.95% card fee + spread | card · SEPA | €700 lite tier | 150+ countries · US 48 states (excl. NY · VT) | card minutes / SEPA 1–2d | open ↗ |
| 06 | MoonPaynon-custodial · BTC to your own wallet | ~2–5% bank~5.5–8.5% card · up to 4.5% card, ~1% bank + spread | card · bank · many | incremental | 150+ countries · all 50 US states | card instant / SEPA 1–3d | open ↗ |
How cost is shown: all-in = the provider's disclosed fee + an estimated spread (the markup baked into the displayed price). Spreads vary by amount, region, and market and are mostly undisclosed, so these are directional ranges — not live quotes. We hold no affiliate link to these on-ramps; the links are informational. Always verify the live total at the provider before sending funds. Snapshot 2026-06-09.
§ How the comparison is run
We compare. We don't promote.
Merit, not placement
Every provider is shown on merit — live rate, not paid placement. All 8 side-by-side, because transparency beats sales.
References are open
USD reference: CoinGecko · CoinLore · Kraken (auto-fallback). Rate quotes come from provider APIs directly — no middleman markup.
Sanity-checked, not sugar-coated
Rates are checked against the peer median. Outliers (>10% off) are flagged and excluded from the "Best Rate" badge, and with fewer than 4 live quotes no badge is given. The math is auditable.
§ 02 · All 8 providers
Or skip the compare — visit a provider direct.
Every provider we list is non-custodial: your Bitcoin goes straight to your wallet, never through us.
Security disclosure — FixedFloat was hacked twice in 2024: about $26M stolen in February and about $2.8M reported in April; FixedFloat states user funds were not affected. Exolix: in May 2026 a security researcher disclosed that its partner API exposed ~356,000 swap records (addresses, transaction hashes, amounts); no theft of funds was reported. ChangeNOW: on 15 October 2026 it disclosed a since-fixed flaw in a website integration that may have exposed email addresses and transaction details; it says there is no evidence the flaw was used and funds were not at risk. An unconfirmed 2025 breach claim was denied. All other providers: no known incidents as of October 2026. Separately, 2026 user reports describe KYC/AML holds at ChangeHero, FixedFloat and n.exchange (not security incidents; none of the n.exchange reports mentions its DeFi mode, the only one we link to). Full disclosure ↗
₿ Native Bitcoin Only
Every provider we compare delivers real Bitcoin (BTC) on the Bitcoin blockchain. We run the comparison; the swap itself happens on the provider you pick. We don't list any provider that would send you wrapped Bitcoin tokens (WBTC, renBTC, tBTC, etc.) — synthetic representations of Bitcoin on other blockchains.
Wrapped BTC tokens carry additional risks including smart contract vulnerabilities, custodian risk, and bridge exploits. When you swap through our providers, you receive native BTC sent directly to your Bitcoin wallet address. Not your keys, not your coins.
One direction only on our aggregator: any asset → Bitcoin. That's deliberate. The swap providers themselves are full-featured underneath — any coin to any coin, their whole catalog opens once you click through. We point one way on purpose: the job here is getting you to native Bitcoin, not running a crypto terminal.
§ Why this way
Non-custodial, one direction, toward Bitcoin.
Non-custodial
We never touch your funds. Your crypto swaps directly to your Bitcoin wallet through the provider you choose.
No sign-up
None of the 8 asks you to open an account for a swap: enter your Bitcoin address, pick a provider, send. ID checks are each provider's own: any of them may ask for ID if a swap is flagged, ChangeNOW asks residents of the EU and 8 other places for ID first, and SimpleSwap's and ChangeHero's terms restrict use from the EU.
One direction
Every swap points one way: toward Bitcoin. That's the whole product. That's the whole mission.
Prefer decentralized?
Trade peer-to-peer or across chains. Explore 24 DEXs — from atomic swaps to Lightning P2P — each saying who holds the bitcoin.
Browse Decentralized Exchanges → New to Bitcoin?Before you swap, make sure you know the basics and have a safe wallet ready. Not your keys, not your coins.
How to get started →§ Keep exploring
Learn before you buy
21 core sections + 8 supplementary topics covering basics, security, self-custody, and advanced. Start from zero.
Open the curriculum → Find Bitcoin services298 Bitcoin services catalogued across 14 categories. Wallets, tax tools, developers, education — transparently researched.
Browse The Orange Pages →YouBuyBitcoin.com is an informational comparison tool, not a crypto-asset service provider under EU Regulation 2023/1114 (MiCA). We do not offer, sell, or exchange crypto-assets. All swaps are executed by the third-party providers listed above.
Marketing communications: YouBuyBitcoin.com does not issue, offer, or seek admission to trading of any crypto-asset. The rate comparisons shown here are informational, identify each provider clearly, present the material risks (no custody by us, KYC requirements set by each provider), and do not constitute marketing communications of, or promote, any specific crypto-asset under EU Regulation 2023/1114 (MiCA). The comparison carries no affiliate links and earns no commission; providers are ranked by rate and reliability only.
EU users: the European Commission's Online Dispute Resolution (ODR) platform was discontinued on 20 July 2025. Find a competent alternative dispute resolution (ADR) body via the Commission's directory at consumer-redress.ec.europa.eu; the European Consumer Centres Network (ECC-Net) assists with cross-border disputes. Before completing any swap, review the selected provider's terms of service and complaint process; YouBuyBitcoin.com is not a party to the transaction.