Client fintechs and fee platforms have gotten one of many foremost distribution layers for crypto entry. Finest Digital Belongings Fintech is an award class inside The BeInCrypto Institutional 100, an annual research-driven program recognising institutional digital asset excellence throughout 26 classes and 6 pillars.
This class sits in Pillar 1: Retail to Crypto Bridge. The 15 companies beneath are its longlist. A shortlist might be named in Could 2026, with the winner introduced at Proof of Discuss in Paris on June 2–3, 2026.
- Lengthy listing: 15 fintechs throughout crypto-native fee infrastructure, stablecoin wallets, Lightning-based shopper rails, retail brokers, enterprise acquirers, and cross-border fintech platforms.
- Preliminary pool: Greater than 30 shopper and B2B fintechs screened; 15 superior to the lengthy listing.
- Scoring: 30% quantitative knowledge · 50% Skilled Council · 20% disclosed firm knowledge.
- Standards assessed: Crypto product depth, distribution scale, regulatory standing, innovation, capital maturity, geographic attain, and popularity.
- Knowledge sources: NYDFS, FinCEN, FCA, MiCA-CASP, OCC, MAS, CySEC, AUSTRAC, FINTRAC, audited filings, firm disclosures, PitchBook, Tracxn, and Crunchbase.
| # | Agency | Fintech Sub-Phase | HQ | Attain | High Crypto Licensure / Product | Consultant 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 | Client pockets + stablecoin issuer | San Jose, USA | 436M lively accounts
PYUSD throughout 4 chains |
PYUSD issued by Paxos Belief | Expanded PYUSD into 70 markets
Launched PYUSDx framework with MoonPay and M0 |
| 3 | Block (Money App) | BTC-native shopper fintech | San Francisco, USA | 57M Money App month-to-month actives
$2.4B+ Bitcoin income This autumn 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 clients
Bitstamp provides 5M+ customers |
MiCAR entry in EU
Bitstamp FCA + NYDFS licences |
Closed Bitstamp acquisition in 2025
Expanded into Canada by means of 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 Funds Community expanded to 200+ banks |
| 6 | Revolut | Multi-product fintech with crypto | London, UK | 65M clients globally
Revolut X throughout the UK and the EEA |
FCA crypto registration + MiCAR-CASP | Expanded Revolut X throughout Europe
Launched self-custody Revolut Pockets |
| 7 | SoFi Applied sciences | 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 by means of licensed companions | Closed $80M Sequence A in 2026
Stablecoin spending built-in with Visa |
| 9 | Nubank | LatAm fintech crypto distribution | São Paulo, Brazil | 65M clients globally
Revolut X throughout UK and the EEA |
Paxos institutional belief framework | Expanded token help 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 Could 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 | Accepted 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 Kind II + ISO 27001 | Expanded NOW ecosystem throughout wallets, custody, APIs, and funds
Built-in 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 below growth |
| 14 | Checkout.com | Enterprise service provider acquirer | London, UK | 2,000+ workers globally | FCA-authorized + DIFC regulated | Stablecoin settlement pilot introduced in 2025
Expanded infrastructure for exchanges and onramps |
| 15 | BitPay | Crypto funds processor | Atlanta, USA | Lively since 2011
Helps BTC + 12 different property |
FinCEN MSB + multi-state MTLs | Expanded BitPay Card nationally
Maintained service provider partnerships throughout retail and funds |
About This Checklist
The BeInCrypto Institutional 100 — Digital Belongings Fintech (2026 Lengthy Checklist) identifies fintech companies connecting fiat fee methods with digital property by means of shopper apps, enterprise infrastructure, stablecoins, Lightning rails, wallets, and embedded crypto companies.
The class consists of crypto-native fee processors, retail fintech platforms, enterprise acquirers, stablecoin-driven fintechs, and non-custodial ecosystems. Corporations whose major position is fiat onramp infrastructure are evaluated individually below the Onramp/Offramp class.
Methodology
This class is evaluated below Monitor B of the BeInCrypto Institutional 100 methodology: 30% quantitative metrics, 50% Skilled Council scoring, and 20% disclosed knowledge.
Evaluation spans seven weighted standards: crypto product depth, distribution scale, regulatory standing, innovation, capital maturity, geographic attain, popularity, and contribution throughout fintech sub-segments.
Knowledge 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 akin to PitchBook, Tracxn, and Crunchbase.
The publish BeInCrypto Institutional Analysis: 15 Fintechs Bridging Fiat and Digital Belongings appeared first on BeInCrypto.