BeInCrypto Institutional Research: 15 Fintechs Bridging Fiat and Digital Assets
Consumer fintechs and payment platforms are becoming one of the main distribution layers for crypto access. Best Digital Assets Fintech is an award category within The BeInCrypto Institutional 100, an annual research-driven program recognising institutional digital asset excellence across 26 categories and six pillars.
This category sits in Pillar 1: Retail to Crypto Bridge. The 15 firms below are its longlist. A shortlist will be named in May 2026, with the winner announced at Proof of Talk in Paris on June 2–3, 2026.
- Long list: 15 fintechs across crypto-native payment infrastructure, stablecoin wallets, Lightning-based consumer rails, retail brokers, enterprise acquirers, and cross-border fintech platforms.
- Initial pool: More than 30 consumer and B2B fintechs screened; 15 advanced to the long list.
- Scoring: 30% quantitative data · 50% Expert Council · 20% disclosed company data.
- Criteria assessed: Crypto product depth, distribution scale, regulatory standing, innovation, capital maturity, geographic reach, and reputation.
- Data sources: NYDFS, FinCEN, FCA, MiCA-CASP, OCC, MAS, CySEC, AUSTRAC, FINTRAC, audited filings, company disclosures, PitchBook, Tracxn, and Crunchbase.
| # | Firm | Fintech Sub-Segment | HQ | Reach | Top Crypto Licensure / Product | Representative Work |
|---|---|---|---|---|---|---|
| 1 | Stripe | Crypto-native payment infrastructure | South San Francisco / Dublin | 100+ country stablecoin accounts100M+ businesses on Stripe | Bridge OCC charter conditionally approved | Acquired Bridge and PrivyOpen Issuance powers Phantom CASH and MetaMask mUSD |
| 2 | PayPal / Venmo | Consumer wallet + stablecoin issuer | San Jose, USA | 436M active accountsPYUSD across 4 chains | PYUSD issued by Paxos Trust | Expanded PYUSD into 70 marketsLaunched PYUSDx framework with MoonPay and M0 |
| 3 | Block (Cash App) | BTC-native consumer fintech | San Francisco, USA | 57M Cash App monthly actives$2.4B+ Bitcoin revenue Q4 2024 | FinCEN MSB + state MTLs | Expanded Lightning integration globallySpiral continued Bitcoin core funding |
| 4 | Robinhood | Retail broker with crypto stack | Menlo Park, USA | 26M funded customersBitstamp adds 5M+ users | MiCAR access in EUBitstamp FCA + NYDFS licences | Closed Bitstamp acquisition in 2025Expanded into Canada through WonderFi |
| 5 | Circle | Stablecoin issuer + banking distribution | Boston / NYC | USDC $73B market capEmbedded into core banking platforms | OCC conditional charter approval | NYSE IPO completed in 2025Circle Payments Network expanded to 200+ banks |
| 6 | Revolut | Multi-product fintech with crypto | London, UK | 65M customers globallyRevolut X across the UK and the EEA | FCA crypto registration + MiCAR-CASP | Expanded Revolut X across EuropeLaunched self-custody Revolut Wallet |
| 7 | SoFi Technologies | US fintech with crypto relaunch | San Francisco, USA | 10.9M membersGalileo powers 100M+ accounts | FinCEN MSB + state MTLs | Relaunched crypto trading in 2025Stablecoin payments roadmap disclosed |
| 8 | KAST | Stablecoin-native cross-border fintech | Singapore | 1M+ users190+ countries | Operates through licensed partners | Closed $80M Series A in 2026Stablecoin spending integrated with Visa |
| 9 | Nubank | LatAm fintech crypto distribution | São Paulo, Brazil | 65M customers globallyRevolut X across UK and the EEA | Paxos institutional trust framework | Expanded token support during 2025Cross-border crypto custody rollout planned |
| 10 | eToro | Social trading + crypto platform | Tel Aviv / Bnei Brak | 30M users globally100+ countries | FCA crypto registration + AUSTRAC + FinCEN | Nasdaq IPO completed in May 2025Unified crypto, stocks, and ETF trading |
| 11 | Strike | Bitcoin and Lightning fintech | Chicago, USA | 100+ countries50-state US coverage achieved | NY BitLicense + FinCEN MSB | Approved for NY operations in 2026Launched Bitcoin-backed lending products |
| 12 | ChangeNOW | Non-custodial fintech ecosystem | Saint Vincent and the Grenadines | 8M+ users$1B+ monthly volume | SOC 2 Type II + ISO 27001 | Expanded NOW ecosystem across wallets, custody, APIs, and paymentsIntegrated across major wallet providers |
| 13 | Adyen | Enterprise payment processor | Amsterdam, Netherlands | MiCAR access in the EUBitstamp FCA + NYDFS licences | DNB + ECB supervised | Crypto acceptance expanded for Web3 merchantsStablecoin payout rails under development |
| 14 | Checkout.com | Enterprise merchant acquirer | London, UK | 2,000+ employees globally | FCA-authorized + DIFC regulated | Stablecoin settlement pilot announced in 2025Expanded infrastructure for exchanges and onramps |
| 15 | BitPay | Crypto payments processor | Atlanta, USA | Active since 2011Supports BTC + 12 other assets | FinCEN MSB + multi-state MTLs | Expanded BitPay Card nationallyMaintained merchant partnerships across retail and payments |
About This List
The BeInCrypto Institutional 100 — Digital Assets Fintech (2026 Long List) identifies fintech firms connecting fiat payment systems with digital assets through consumer apps, enterprise infrastructure, stablecoins, Lightning rails, wallets, and embedded crypto services.
The category includes crypto-native payment processors, retail fintech platforms, enterprise acquirers, stablecoin-driven fintechs, and non-custodial ecosystems. Firms whose primary role is fiat onramp infrastructure are evaluated separately under the Onramp/Offramp category.
Methodology
This category is evaluated under Track B of the BeInCrypto Institutional 100 methodology: 30% quantitative metrics, 50% Expert Council scoring, and 20% disclosed data.
Assessment spans seven weighted criteria: crypto product depth, distribution scale, regulatory standing, innovation, capital maturity, geographic reach, reputation, and contribution across fintech sub-segments.
Data was verified against NYDFS, FinCEN, FCA, MiCA-CASP, OCC, MAS, CySEC, AUSTRAC, and FINTRAC registers, as well as audited filings, company disclosures, partnership announcements, and private-market sources such as PitchBook, Tracxn, and Crunchbase.
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