Key Takeaways

• Onramp never holds your Bitcoin or has unilateral control. Your Bitcoin is always secured on-chain with multi-institution custody.
• The custody model requires 2-of-3 signatures, with three institutions operating independently and verifying each client-initiated request.
• Even if Onramp ceased operations, your Bitcoin would remain accessible through the two other independent keyholding institutions.
• Onramp’s structure is designed to eliminate single points of failure and withstand organizational-level disruptions.
• You're delegating operations, not ownership—your Bitcoin remains legally and verifiably yours and always accessible, regardless of Onramp’s status.

Your Bitcoin Is Always Yours—No Matter What Happens to Onramp

A question we hear from prospective clients is: “What happens to my Bitcoin if something happens to Onramp?”

It’s a fair concern and an important one. Custodian and exchange collapses have plagued this industry, resulting in billions of dollars of permanently lost Bitcoin.

Why? Because Bitcoin is a bearer asset. That means whoever controls the keys controls the asset. Unlike traditional financial assets that can be reissued, paused, or reversed, Bitcoin cannot be recovered once it’s lost or stolen. If a custodian holds your keys and becomes compromised, there’s no undo button. The Bitcoin is gone often permanently.

Historically, this has created enormous risk. Custodians have, to date, had full, unilateral control over client assets. When those institutions failed, whether due to fraud, mismanagement, or external attacks, clients lost access to their funds. In many cases, they never got it back.

At Onramp, we designed a custody model that eliminates this risk by default. We don’t hold your keys. We don’t control your Bitcoin. And your access doesn’t depend on our continued existence.

Your Bitcoin lives on the Bitcoin network, secured using a multi-institution custody solution built with redundancy and resilience at its core. Your vault is governed by a quorum of independent institutions, so you won’t lose access even if something happens to Onramp or one of our partners.

Here’s what that means for you:

• Your Bitcoin is never held by Onramp alone.
• No single party—including us—can access, move, lose, or compromise your Bitcoin.
• Even if Onramp were to go away, your Bitcoin remains fully intact and accessible.

We’re here to provide secure operations, inheritance planning, and financial services—not to take ownership of your Bitcoin.

You maintain full ownership and control at all times.

How does Multi-Institution Custody Work?

How does this work behind the scenes? We have written a full blog post here, and a summary is provided below.

Onramp’s custody model distributes key control across independent institutions, following Bitcoin’s ethos of decentralization and resilience.

Two of three institutions are required to provide signatures for you to access your Bitcoin. Each institution operates independently, with no shared control or operational dependencies, further reducing systemic risk.

Moving Bitcoin requires cooperation among a quorum of trusted, independent keyholding institutions, not just one party, and only with your explicit authorization.

This design ensures that even if one institution becomes unavailable, temporarily or permanently, your access remains uninterrupted.

Onramp’s operational role enhances service, support, and inheritance planning, but clients retain control even if Onramp were no longer available.

What Happens if Onramp Goes Away?

If Onramp were to discontinue operations or become unresponsive:

• Your Bitcoin would remain safe in your wallet on the Bitcoin network.
• You would not lose access to your Bitcoin.
• Independent keyholding institutions would assist you in recovering your Bitcoin.
• Recovery can occur without Onramp’s participation, because that resilience is built into the structure from day one.

Onramp uses open-source wallet standards, meaning each institution has access to its own wallet instance and can continue operating independently. This ensures that even in the event of a disruption, any two institutions in the quorum can coordinate directly with the client to authorize transactions and recover access.

Onramp has a well-documented, stress-tested recovery process that enables clients to regain access to their Bitcoin in coordination with the two other independent institutions that hold keys to their vault. This recovery pathway is available to every Onramp client in the event of a critical disruption.

Because Onramp never holds full control of the quorum, the risk of asset loss due to organizational failure is mitigated. Even in the case of a bankruptcy, ours or a partner’s, the structure ensures that clients retain access to their Bitcoin.

Also, under our private client model, Onramp does not need to be one of the institutions in your quorum. You have the flexibility to exclude Onramp entirely from keyholding responsibilities if desired, adding another layer of resilience and client control.

The independent institutions holding keys are legally obligated to continue supporting recovery in these scenarios. That means the bar for disruption is extraordinarily high, requiring not just a firm failure, but a coordinated failure across multiple independent entities.

Simply put:You are not reliant on Onramp’s ongoing operation to retain control of your Bitcoin, nor do you rely solely on any of our institutional key partners.

Why This Design Matters for Serious Bitcoin Investors

True peace of mind means planning for every scenario, including company-level risks.

Bitcoin’s value proposition is rooted in decentralization, redundancy, and resilience, and your custody solution should reflect the same principles.

Multi-institution custody doesn’t just eliminate the technical challenges of self-custody. It’s also designed to mitigate the risks typically associated with third-party custody, ensuring that even in extreme scenarios, your assets remain accessible.

It protects against operational risks, organizational failures, natural disasters, physical threats, and unexpected disruptions, without requiring clients to sacrifice convenience or support.

Building for durability means thinking beyond the best-case scenarios.It means ensuring you have pathways to access, recover, and protect your Bitcoin across decades and generations.

At Onramp, we believe your custody should be as resilient as Bitcoin itself.

A Final Thought: You’re Delegating Operations, Not Ownership

Choosing Onramp doesn’t mean handing over your Bitcoin.

It means partnering with a professional team to manage the operational complexity of securing it, while you retain ultimate ownership and control.

We exist to help serious Bitcoin investors protect, grow, and pass on their wealth, without uncertainty and unwarranted risks.

Your Bitcoin is yours. And with the right custody model, it always will be.

Learn more about our multi-institution custody solutions. → https://www.onrampbitcoin.com/products/multi-institution-custody

Our team is here to support you in your decision-making process. We’ve guided thousands of clients and can help you make the right decision for your circumstances - book a consultation.