BeInCrypto Institutional Research: 15 Fintechs Bridging Fiat and Digital Assets
Consumer fintechs and fee platforms have gotten one of many foremost distribution layers for crypto entry. Best Digital Assets Fintech is an award class inside The BeInCrypto Institutional 100, an annual research-driven program recognising institutional digital asset excellence throughout 26 classes and six pillars.
This class sits in Pillar 1: Retail to Crypto Bridge. The 15 companies under are its longlist. A shortlist will probably be named in May 2026, with the winner introduced at Proof of Talk in Paris on June 2–3, 2026.
- Long checklist: 15 fintechs throughout crypto-native fee infrastructure, stablecoin wallets, Lightning-based client rails, retail brokers, enterprise acquirers, and cross-border fintech platforms.
- Initial pool: More than 30 client and B2B fintechs screened; 15 superior to the lengthy checklist.
- Scoring: 30% quantitative information · 50% Expert Council · 20% disclosed firm information.
- Criteria assessed: Crypto product depth, distribution scale, regulatory standing, innovation, capital maturity, geographic attain, and popularity.
- Data sources: NYDFS, FinCEN, FCA, MiCA-CASP, OCC, MAS, CySEC, AUSTRAC, FINTRAC, audited filings, firm disclosures, PitchBook, Tracxn, and Crunchbase.
| # | Firm | Fintech Sub-Segment | HQ | Reach | Top Crypto Licensure / Product | Representative Work |
|---|---|---|---|---|---|---|
| 1 | Stripe | Crypto-native fee infrastructure | South San Francisco / Dublin | 100+ nation stablecoin accounts
100M+ companies on Stripe |
Bridge OCC constitution conditionally authorized | Acquired Bridge and Privy
Open Issuance powers Phantom CASH and MetaMask mUSD |
| 2 | PayPal / Venmo | Consumer pockets + stablecoin issuer | San Jose, USA | 436M lively accounts
PYUSD throughout 4 chains |
PYUSD issued by Paxos Trust | Expanded PYUSD into 70 markets
Launched PYUSDx framework with MoonPay and M0 |
| 3 | Block (Cash App) | BTC-native client fintech | San Francisco, USA | 57M Cash App month-to-month actives
$2.4B+ Bitcoin income This fall 2024 |
FinCEN MSB + state MTLs | Expanded Lightning integration globally
Spiral continued Bitcoin core funding |
| 4 | Robinhood | Retail dealer with crypto stack | Menlo Park, USA | 26M funded prospects
Bitstamp provides 5M+ customers |
MiCAR entry in EU
Bitstamp FCA + NYDFS licences |
Closed Bitstamp acquisition in 2025
Expanded into Canada via WonderFi |
| 5 | Circle | Stablecoin issuer + banking distribution | Boston / NYC | USDC $73B market cap
Embedded into core banking platforms |
OCC conditional constitution approval | NYSE IPO accomplished in 2025
Circle Payments Network expanded to 200+ banks |
| 6 | Revolut | Multi-product fintech with crypto | London, UK | 65M prospects globally
Revolut X throughout the UK and the EEA |
FCA crypto registration + MiCAR-CASP | Expanded Revolut X throughout Europe
Launched self-custody Revolut Wallet |
| 7 | SoFi Technologies | US fintech with crypto relaunch | San Francisco, USA | 10.9M members
Galileo powers 100M+ accounts |
FinCEN MSB + state MTLs | Relaunched crypto buying and selling in 2025
Stablecoin funds roadmap disclosed |
| 8 | KAST | Stablecoin-native cross-border fintech | Singapore | 1M+ customers
190+ nations |
Operates via licensed companions | Closed $80M Series A in 2026
Stablecoin spending built-in with Visa |
| 9 | Nubank | LatAm fintech crypto distribution | São Paulo, Brazil | 65M prospects globally
Revolut X throughout UK and the EEA |
Paxos institutional belief framework | Expanded token assist throughout 2025
Cross-border crypto custody rollout deliberate |
| 10 | eToro | Social buying and selling + crypto platform | Tel Aviv / Bnei Brak | 30M customers globally
100+ nations |
FCA crypto registration + AUSTRAC + FinCEN | Nasdaq IPO accomplished in May 2025
Unified crypto, shares, and ETF buying and selling |
| 11 | Strike | Bitcoin and Lightning fintech | Chicago, USA | 100+ nations
50-state US protection achieved |
NY BitLicense + FinCEN MSB | Approved for NY operations in 2026
Launched Bitcoin-backed lending merchandise |
| 12 | ChangeNOW | Non-custodial fintech ecosystem | Saint Vincent and the Grenadines | 8M+ customers
$1B+ month-to-month quantity |
SOC 2 Type II + ISO 27001 | Expanded NOW ecosystem throughout wallets, custody, APIs, and funds
Integrated throughout main pockets suppliers |
| 13 | Adyen | Enterprise fee processor | Amsterdam, Netherlands | MiCAR entry within the EU
Bitstamp FCA + NYDFS licences |
DNB + ECB supervised | Crypto acceptance expanded for Web3 retailers
Stablecoin payout rails underneath growth |
| 14 | Checkout.com | Enterprise service provider acquirer | London, UK | 2,000+ staff globally | FCA-authorized + DIFC regulated | Stablecoin settlement pilot introduced in 2025
Expanded infrastructure for exchanges and onramps |
| 15 | BitPay | Crypto funds processor | Atlanta, USA | Active since 2011
Supports BTC + 12 different property |
FinCEN MSB + multi-state MTLs | Expanded BitPay Card nationally
Maintained service provider partnerships throughout retail and funds |
About This List
The BeInCrypto Institutional 100 — Digital Assets Fintech (2026 Long List) identifies fintech companies connecting fiat fee techniques with digital property via client apps, enterprise infrastructure, stablecoins, Lightning rails, wallets, and embedded crypto companies.
The class contains crypto-native fee processors, retail fintech platforms, enterprise acquirers, stablecoin-driven fintechs, and non-custodial ecosystems. Firms whose major position is fiat onramp infrastructure are evaluated individually underneath the Onramp/Offramp class.
Methodology
This class is evaluated underneath Track B of the BeInCrypto Institutional 100 methodology: 30% quantitative metrics, 50% Expert Council scoring, and 20% disclosed information.
Assessment spans seven weighted standards: crypto product depth, distribution scale, regulatory standing, innovation, capital maturity, geographic attain, popularity, and contribution throughout fintech sub-segments.
Data was verified towards NYDFS, FinCEN, FCA, MiCA-CASP, OCC, MAS, CySEC, AUSTRAC, and FINTRAC registers, in addition to audited filings, firm disclosures, partnership bulletins, and private-market sources equivalent to PitchBook, Tracxn, and Crunchbase.
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