Onramp Introduces Business Bitcoin Accounts with Dual‑Approval Withdrawals Amid Rising Physical Attacks

Onramp announced on Tuesday the launch of Onramp Business, a free corporate Bitcoin account that incorporates named users, role‑based permissions and two‑person withdrawal approvals. The product is aimed at companies that want to hold Bitcoin on their balance sheets without relying on a single login or custodian, a concern that has grown as physical attacks on crypto holders increased sharply in the first half of 2026.

Product Features and Tiered Options

The free Business tier supports up to three users—owner, admin and view‑only—and provides an audit trail for all activity. It carries a 0.85% trade fee and stores Bitcoin in cold storage with a qualified custodian, with verification typically completed within one business day. Two higher‑priced tiers, Onramp Treasury and Onramp Enterprise, were introduced simultaneously. Treasury, priced at $375 per month, reduces the trade fee to 0.65% and moves assets into a vault protected by a 2‑of‑3 quorum involving Onramp, Tetra Trust and CoinCover, ensuring no single institution can move or lose the coins. Enterprise pricing is provided on a consultative basis for funds, miners and large corporate treasuries. A $500 onboarding fee is waived for companies that activate Treasury by Dec. 31.

Rising Physical Threats to Bitcoin Holders

A mid‑year security report cited by Bitcoin Magazine recorded 52 physical attacks on Bitcoin and crypto holders in the first half of 2026, a 33% increase over the same period in 2025. The report estimated that exposure tied to those incidents grew to about $124 million, up from $10.5 million a year earlier, highlighting the risk of coercion when a single individual controls a private key.

Early Adoption and Market Context

Onramp says it holds more than $1 billion in Bitcoin under its multi‑institution custody model and has not experienced any security incidents since its 2023 launch. Early corporate users include Pacific Office Designs and Build Collateral Agent, the latter noting that Onramp’s approach aligns with its risk‑mitigation philosophy. The broader market sees increasing corporate balance‑sheet exposure to Bitcoin, exemplified by firms such as MicroStrategy, which now holds over 850,000 BTC. Onramp’s new offering seeks to address the operational challenge of key management that has traditionally deterred boards from approving Bitcoin holdings.

What to Watch Next

Analysts will monitor adoption rates of Onramp Business and Treasury among mid‑size firms, as well as any further escalation in physical attacks that could drive demand for multi‑institution custody solutions. Additionally, regulatory developments concerning corporate crypto custody and the security standards for custodial providers may influence how quickly boards accept dual‑approval mechanisms.