Austin, United States, November 10th, 2026, FinanceWire
A company holding bitcoin has usually depended on one custodian, one login, or one keyholder. Onramp Business gives companies named users, team approvals on withdrawals, and an account that opens in a business day, with higher tiers adding Multi-Institution Custody for larger holdings.
Onramp, the bitcoin financial services platform built on Multi-Institution Custody, today launched Onramp Business, an account for companies that hold bitcoin on the balance sheet. Onramp Business accounts are free, with a 0.85% trade fee and bitcoin held by a qualified custodian, and most companies are verified within a business day. Each account includes up to three named users, role-based permissions, approval policies that put a second person on withdrawals, and a complete audit trail. Two tiers for larger holdings launch alongside it: Onramp Treasury, built on Multi-Institution Custody, and Onramp Enterprise. Companies already using Onramp for their bitcoin include Pacific Office Designs, Bitcoin News, and Build Collateral Agent, LLC.
Buying bitcoin as a business has been easy for years. Governing it has been nearly impossible. A company that relies on one person to hold its keys turns that person into the single point of failure, with a key ceremony every time someone leaves and physical risk concentrated on whoever holds the hardware. A company that buys through an exchange gets one set of credentials, no roles, no approval policies, and no plan for when the person with the login moves on. Institutional custodians solve pieces of the problem at prices built for exchanges and funds. Faced with those options, many boards that believed in the asset still said no, because nobody could tell them how it would be held and governed.
The physical risk is growing. 52 physical attacks on Bitcoin and crypto holders were reported in the first half of 2026, up 33% from a year earlier, and a business holding a bearer asset carries that exposure on behalf of its employees and owners. At the same time, operating costs keep climbing faster than businesses can pass them on. New York City lost 2,000 restaurants in the past year, its worst year-over-year drop in eating and drinking places in 36 years, as health insurance for New York service firms rose 12.9%, business insurance 7.0%, and utilities 8.5%.
“We spent years watching businesses decide they wanted bitcoin on the balance sheet, then stall the moment their board asked who holds the keys,” said Michael Tanguma, Founder and CEO of Onramp. “Nobody had a good answer. Onramp Business gives a company the same controls its bank account already has: named users, approvals on withdrawals, and a record of everything. As the position grows, Onramp Treasury holds it in a vault protected by three independent institutions, so no single party, Onramp included, can lose or move it.”
“As collateral agent for credit funds using bitcoin as collateral, Build Collateral Agent, LLC selects partners based on a number of risk mitigation considerations, including our attempt to eliminate single points of failure,” said John Ruth, President of Build Collateral Agent, LLC. “Onramp Business uses a differentiated approach with their multi-institutional security model that is aligned with our risk mitigation philosophy. Onramp’s service model has exceeded our expectations. Team members and leadership are available to us when we need them – providing valuable human connections to a tech savvy product suite.”
Onramp Business is built around the controls those boards were asking for. Each user gets their own login as an owner, admin, or view-only user, so a bookkeeper or board member can see the account without being able to move anything. With approval policies on, a withdrawal waits for a second person to sign off, the same way a wire does, so no one person, the founder included, can move company bitcoin alone. Verification, user setup, funding, and purchases all happen inside the platform, with bitcoin settling directly into custody.
For companies with larger positions, Onramp Treasury, starting at $375 per month, moves the company’s bitcoin into a vault held in its own name under Multi-Institution Custody, where no single institution can lose it, move it, or use it, and nothing moves without the company’s permission. Treasury supports up to five users and two vaults, lowers the trade fee to 0.65%, and includes migration support for existing holdings and continuity planning so the position stays secure through leadership changes.
To mark the launch, businesses that activate Onramp Treasury by December 31, 2026 will receive white-glove onboarding from Onramp’s team and no onboarding fee. Inquire about a reduction in custody fees based on Bitcoin trade volume.
Onramp Enterprise, the top tier, serves funds, miners, and large corporate treasuries with custom vault configurations, custom approval structures, and a dedicated team, and is available today by consultation.
Onramp Business is available today. Companies can apply at onrampbitcoin.com/business, and most are verified within a business day. Businesses with larger holdings can book a consultation for Onramp Treasury or Onramp Enterprise at the same link.
About Onramp
Onramp is a bitcoin financial services platform for individuals and businesses who think about wealth in decades. Onramp is the leader in Multi-Institution Custody (MIC), where no single institution can lose, move, or use a client’s bitcoin. Each vault is protected by three independent institutions drawn from a network of four: Onramp, BitGo, CoinCover, and Tetra Trust. Onramp Business gives companies a free account with named users, approval policies that put a second person on withdrawals, and a complete audit trail, while Onramp Treasury and Onramp Enterprise serve larger holdings. For individuals, Onramp Finance combines cash accounts, a spending card, low-cost bitcoin brokerage in all 50 states, bitcoin IRAs, and direct gold access in a single account. Learn more at onrampbitcoin.com.
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