Digital-asset neobanking has moved past fundamental crypto entry. The class now covers corporations combining bank-account-style companies — checking, direct deposit, debit, financial savings, and banking partnerships or charters — with native crypto merchandise constructed into the first monetary app.
Greatest Digital Belongings Neobank is a class throughout the BeInCrypto Institutional 100, underneath Pillar 1: Retail to Crypto Bridge. The 8 corporations under are listed alphabetically and are usually not ranked. A shortlist might be named in Might 2026, with the winner introduced at Proof of Discuss in Paris on June 2–3, 2026.
Key Info
- Lengthy listing: 8 corporations throughout bank-chartered neobanks and BaaS, EMI, or VASP-licensed fintechs with crypto built-in into the first banking app
- Preliminary pool: 18 corporations screened; 8 superior to the lengthy listing, with 3 outreach candidates retained
- Order: Listed alphabetically, not ranked
- Scoring: 30% quantitative knowledge · 50% Professional Council · 20% disclosed firm knowledge
- Standards assessed: Consumer base, crypto consumer depend, product depth, regulatory licensure, funds and card integration, geographic attain, monetary efficiency, innovation
- Information sources: OCC, FCA, BaFin, DNB, ACPR, MAS, CSSF, NYDFS, BACEN, CNBV, GFSC, MiCA-CASP, SEC EDGAR, audited filings, reserve attestations, on-chain knowledge, PitchBook, Crunchbase, Tracxn
| Agency | HQ | Attain | Prime Licensure / Constitution | Consultant Work |
|---|---|---|---|---|
| Bunq | Amsterdam, Netherlands | 17M+ customers throughout 30+ EEA nations
2024 web revenue of €85.3M, up 65% 12 months over 12 months |
Full Dutch banking licence from De Nederlandsche Financial institution
EU passporting, MiCA-compliant; UK banking and US broker-dealer licences utilized for in 2025–26 |
Launched Bunq Crypto by way of Kraken partnership in Apr 2025
Provides 300+ cryptocurrencies inside a licensed-bank atmosphere; first-year crypto trades handed €100M |
| Money App | Oakland, USA
Block, NYSE: XYZ |
59M month-to-month energetic customers in This autumn 2025
9.3M major banking actives; $316B whole buyer inflows in 2025 |
Banking through Sutton Financial institution partnership
FDIC-insured checking, direct deposit, Money Card, financial savings; NYDFS-licensed Bitcoin enterprise |
Launched Proof of Reserves dashboard in Apr 2026 overlaying 8,883 BTC
Bitkey self-custody pockets expanded; 5% Bitcoin Again rolled out throughout Money App Card |
| KAST | Singapore / New York | 1M+ customers throughout 170–190 nations
About $5B annualized transaction quantity; 150M+ retailers accepted globally |
Holds MSB Canada, MSB US, VASP EU, TCSP Hong Kong
Makes use of regulated companions together with Bridge, Tazapay, Reap, Fireblocks, BitGo, and Privy |
Closed $80M Collection A in Mar 2026 at $600M valuation
KAST Enterprise beta launched in Might 2026; safety stack consists of Sardine, Elliptic, ChainPatrol, Vanta, and Scanner.dev |
| Mercado Pago | Buenos Aires, Argentina
Mercado Libre, NASDAQ: MELI |
100M+ customers throughout Brazil, Mexico, Argentina, Colombia, Chile, Uruguay, and Peru through MELI ecosystem | Jurisdiction-specific fintech and funds licences throughout Latin America
VASP authorisations for MELI Cripto in working markets |
MELI Cripto expanded to 17 tokens by Might 2026
Buying and selling payment lower to 0.2%; Meli Dólar stablecoin obtainable throughout Brazil, Mexico, and Chile |
| Nomad | São Paulo, Brazil | 1M+ customers
Brazilian USD-account neobank targeted on retail customers and world funding entry |
Brazilian fintech registration
Banking issued by way of Brazilian and US companion banks; CVM-regulated funding platform element |
Pioneered XRP Ledger settlement for Brazilian USD funds
Adapting to Brazil BCB Decision 561, which restricts crypto and stablecoin use in cross-border eFX settlement |
| Nubank | São Paulo, Brazil
Nu Holdings, NYSE: NU |
110M+ prospects
7M+ NuCripto customers; Berkshire Hathaway amongst vital shareholders |
Full Brazilian banking licence from BACEN
OCC US nationwide financial institution department conditional approval; Mexico and Colombia authorisations |
Earn Crypto staking launched in Mar 2026 with Solana promotional yield
NuCripto now helps 20+ belongings; USDC partnership with Circle deepened crypto entry |
| Revolut | London, UK | 70M+ prospects throughout 40+ nations as of Jan 2026
2025 income of $6B and revenue earlier than tax of $2.3B |
Lithuanian EU banking licence
UK banking licence, Mexican banking licence, MiCA-CASP authorisation, US constitution in progress |
Reached $75B valuation in Nov 2025 capital increase
Revolut X gives 230+ digital belongings, staking, low-fee buying and selling, and RWA token listings |
| SoFi | San Francisco, USA
NASDAQ: SOFI |
12.6M members
Q1 2026 income of $1.1B with $166.7M web earnings |
SoFi Financial institution N.A.
OCC-regulated nationwide financial institution and FDIC-insured depository establishment |
Launched retail crypto buying and selling in Nov 2025
Opened 239,509 crypto accounts in Q1 2026; SoFiUSD stablecoin launched in Dec 2025 |
About This Record
The BeInCrypto Institutional 100 — Greatest Digital Belongings Neobank (2026 Lengthy Record) identifies digital-first client and SMB banking platforms that mix bank-account-like companies with substantial depth in digital belongings.
Two structural fashions qualify: bank-chartered direct entities resembling Bunq, Nubank, Revolut, and SoFi; and BaaS-partnered, EMI-licensed, or VASP-licensed crypto fintechs that combine crypto into the first banking app, resembling Money App, KAST, Mercado Pago, and Nomad.
The class doesn’t embody crypto exchanges with cost playing cards added on, self-custody spending playing cards with out banking companies, stablecoin issuers, institutional digital asset banks, defunct crypto banking platforms, or chartered neobanks with out native crypto merchandise.
Methodology
This class is evaluated underneath Observe B of the BeInCrypto Institutional 100 methodology: 30% quantitative metrics, 50% Professional Council scoring, and 20% disclosed firm knowledge.
Evaluation spans seven standards: whole consumer base and crypto consumer depend; crypto and stablecoin product depth; regulatory licensure; funds and card integration; geographic footprint; monetary efficiency and sustainability; and innovation in the course of the award window.
Information was verified utilizing regulatory registers, firm filings, SEC EDGAR, audited monetary statements, reserve attestations, Proof of Reserves disclosures, related on-chain knowledge, private-market sources together with PitchBook, Crunchbase, and Tracxn, and mainstream monetary press.
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