Digital asset neobanking is transferring from primary crypto entry to on a regular basis monetary utility. The strongest gamers are not simply letting customers purchase Bitcoin. They’re including stablecoins, rewards, decrease charges, on-chain transfers, and card-linked monetary experiences inside apps that already serve mass-market customers.
Nubank is likely one of the clearest examples of that shift. The agency is nominated for Greatest Digital Property Neobank on the BeInCrypto Institutional 100 Awards 2026.
| Firm | Nu Holdings, NYSE: NU |
| Base | São Paulo, Brazil |
| Prospects | 135M+ globally |
| Brazil clients | 115M+ |
| Nubank Crypto customers | 7M+ |
| Crypto belongings supported | 29 digital belongings |
| Crypto merchandise | Purchase/promote, USDC swaps, USDC rewards, Earn Crypto, on-chain transfers |
| 2026 crypto updates | Earn Crypto launch, payment reductions, Bitcoin Pizza Day zero-fee marketing campaign |
Nubank’s nomination displays the size and depth of Nubank Crypto inside one of many world’s largest digital banking platforms. Nu Holdings reported greater than 135 million clients globally by March 2026, together with greater than 115 million in Brazil. Its exercise charge remained at 83%, exhibiting that the platform isn’t just giant however closely used.
That issues on this class as a result of crypto adoption inside a neobank will depend on distribution. Nubank already has the shopper base, app engagement, fee relationship, and monetary belief layer wanted to convey digital belongings into mainstream banking.
From Crypto Entry to Crypto Utility
Nubank Crypto now serves greater than 7 million shoppers, permitting customers to purchase, promote, and retailer crypto straight contained in the Nubank app.
In March 2026, Nubank added a serious new layer with Earn Crypto, a staking-based function contained in the Nu app. The product launched with Solana rewards at a promotional 6% charge for a restricted time, with entry increasing regularly to eligible shoppers and plans to assist extra belongings later.
This moved Nubank Crypto past easy buy-and-sell entry. Customers can now put idle digital belongings to work straight contained in the app, with out leaving the Nubank ecosystem.
“Your first crypto buy really has zero payment and you can begin with as little as one Brazilian actual. Lots of people are involved that they need to have tens of hundreds, a whole lot of hundreds of reais or {dollars} to even get into crypto. So we make it very apparent and straightforward,” stated Michael Rihani, Senior Director of Digital Property at Nubank.
Decrease Charges and Broader Entry
Nubank additionally decreased crypto buying and selling charges in April 2026. The brand new progressive low cost mannequin can scale back charges by as much as 100%, with decrease prices primarily based on buying and selling quantity over the earlier 45 days. Ultravioleta shoppers and first-time crypto patrons obtain zero-fee transactions underneath the mannequin.
That payment change is vital as a result of neobank crypto merchandise compete on simplicity and value. For mass-market customers, small charges can block common use. Nubank’s mannequin makes crypto buying and selling cheaper for lively customers whereas decreasing the barrier for first-time patrons.
In Could 2026, Nubank additionally ran a Bitcoin Pizza Day marketing campaign, waiving Bitcoin buy charges for twenty-four hours. The identical marketing campaign prolonged zero-fee buying and selling to the opposite digital belongings obtainable on the platform, with Nubank saying shoppers might commerce 29 cryptocurrencies in the course of the marketing campaign.
The marketing campaign itself was short-term, nevertheless it confirmed the broader product floor. Nubank Crypto now contains scheduled purchases, value alerts, USDC swaps, USDC rewards, Earn Crypto, and on-chain deposits and withdrawals for belongings together with BTC, ETH, SOL, and USDC.
Stablecoins as a Neobank Layer
Stablecoins are additionally central to Nubank’s digital asset story. Nubank’s partnership with Circle has made USDC obtainable to a mass Brazilian consumer base.
Circle’s case research says greater than 100 million Brazilians now have USDC entry by way of Nubank, with 25% of newbie crypto patrons selecting USDC as their first buy on the platform. USDC buying and selling quantity on Nubank rose 30% within the first half of 2025.
“Most individuals don’t actually get up desirous to get a coin that’s steady. They need entry to the digital greenback,” Michael Rihani stated. “We’re targeted on the precious digital belongings which have real-world utility and can assist remedy on a regular basis ache factors that our clients have.”
That offers Nubank a stronger case than a neobank that solely affords speculative crypto entry. USDC provides a dollar-linked product contained in the app, supporting customers who need digital greenback publicity, lower-friction swaps, and a extra steady entry level into crypto.
Why the Nomination Stands
Nubank’s nomination for Greatest Digital Property Neobank rests on scale, product depth, and execution.
The corporate has one of many largest neobank buyer bases on this planet. Its crypto product already reaches greater than 7 million customers. In 2026, it expanded from entry into rewards, payment discount, campaign-driven engagement, and broader stablecoin utility.
The BeInCrypto Institutional 100 Awards acknowledge companies constructing the techniques that would outline the subsequent section of digital finance.
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