Fun CEO: Standalone On/Off Ramps and Cross-Chain Bridges Will Disappear as Payments Go Invisible

Alex Fine, CEO of payment infrastructure company Fun, said in an interview that standalone crypto on/off ramps and cross-chain bridges will eventually disappear, and users will no longer need to take extra steps for fiat conversion or cross-chain transfers. “The era of on/off ramps will come to an end, and so will the era of external cross-chain websites,” he said. “No one uses a bridge for the sake of using a bridge. They want to use apps.” He argued that the next generation of crypto applications will embed payments directly into the user experience, abstracting away blockchain complexity—much like traditional Web2 payments, where users barely notice the underlying processing.

Fun provides API-based tools that help fintechs and crypto apps integrate deposits, withdrawals, settlements, and checkout functionality into their own products, rather than offering consumer-facing wallets or exchanges. According to the company, it handles all on/off ramps for Polymarket, processes deposits for Aave's largest treasury, moves more than $3 billion in monthly transaction volume, and has raised over $75 million in total funding. Fine also criticized the current ecosystem as overly fragmented, noting that developers must piece together card processing, banking partnerships, crypto assets, multiple chains, and cross-chain bridges just to complete a single flow of funds.