Consumer fintechs and payment platforms are becoming one of the most distributed sectors of crypto access. Best Digital Assets Fintech is an award category within The BeInCrypto Institutional 100an annual research-driven program that recognizes the effectiveness of the digital economy in 26 categories and six pillars.
This group is living in Pillar 1: Trading in Crypto Bridge. The 15 companies below are their long list. The shortlist will be named in May 2026, the winner announced Speech Evidence in Paris on June 2-3, 2026.
- Long list: 15 fintechs across crypto-native payment infrastructure, stablecoin wallets, lightning rails, brokers, business finders, and cross-border fintech platforms.
- First package: More than 30 consumer and B2B fintechs were featured; 15 advanced in a long list.
- Scoring: 30% data volume · 50% Expert Council · 20% disclosed company information.
- Test results: Crypto asset depth, number of shares, suspension, volatility, financial growth, geographical spread, and history.
- Data sources: NYDFS, FinCEN, FCA, MiCA-CASP, OCC, MAS, CySEC, AUSTRAC, FINTRAC, read documents, corporate disclosures, PitchBook, Tracxn, and Crunchbase.
| # | Strong | The Fintech sector | HQ | Reach out | Top Crypto License / Product | Representative work |
|---|---|---|---|---|---|---|
| 1 | Line | Crypto-native payment infrastructure | South San Francisco / Dublin | 100+ stablecoin accounts
100M+ businesses on Stripe |
Bridge OCC approved charters | Acquired Bridge and Privy
Open Issuance powers Phantom CASH and MetaMask mUSD |
| 2 | PayPal / Venmo | Consumer Wallet + stablecoin provider | San Jose, USA | 436M active accounts
PYUSD through 4 chains |
PYUSD provided by Paxos Trust | Expanding PYUSD in 70 markets
Launched PYUSDx framework with MoonPay and M0 |
| 3 | Block (Cash App) | BTC-native consumer fintech | San Francisco, USA | 57M Cash App works monthly
$2.4B+ Bitcoin revenue Q4 2024 |
FinCEN MSB + state MTLs | Lightning integration around the world
Spiral continued Bitcoin core currency |
| 4 | Robinhood | The broker is a crypto stack | Menlo Park, USA | 26M paid customers
Bitstamp adds 5M+ users |
Access to MiCAR in the EU
Bitstamp FCA + NYDFS licenses |
The acquisition of Bitstamp was closed in 2025
Growing in Canada through WonderFi |
| 5 | Around | Stablecoin provider + distribution bank | Boston / NYC | USDC $73B net worth
Integration into major banking platforms |
Standard OCC approval | The NYSE IPO was completed in 2025
Circle Payments Network has grown to 200+ banks |
| 6 | Rebellion | Multiproduct fintech with crypto | London, UK | 65M customers worldwide
Revolut X across the UK and EEA |
Registration of FCA crypto + MiCAR-CASP | Expanding Revolut X across Europe
He launched a self-sustaining Revolut Wallet |
| 7 | SoFi Technologies | US fintech with crypto relaunch | San Francisco, USA | 10.9M members
Galileo has 100M+ accounts |
FinCEN MSB + state MTLs | The resale of crypto in 2025
Stablecoin currency reports |
| 8 | CABINET | Stablecoin-native crossborder fintech | Singapore | 1M+ users
190+ countries |
It works through licensed agents | They closed an $80M Series A in 2026
Stablecoin currency integrated with Visa |
| 9 | Nubank | LatAm fintech crypto distribution | São Paulo, Brazil | 65M customers worldwide
Revolut X across the UK and EEA |
Paxos institutional trust framework | Additional token support in 2025
The implementation of crypto borders is planned |
| 10 | eToro | Social media + crypto platform | Tel Aviv / Bnei Brak | 30M users worldwide
100+ countries |
FCA crypto registration + AUSTRAC + FinCEN | The Nasdaq IPO was completed in May 2025
A combination of crypto, stocks, and ETF trading |
| 11 | Hit | Bitcoin and Lightning fintech | Chicago, USA | 100+ countries
Coverage of all 50 US states has been achieved |
NEW BitLicense + FinCEN MSB | It has been approved for use in NY in 2026
He launched a Bitcoin-backed lending business |
| 12 | ChangeNOW | Non-custodial fintech ecosystem | Saint Vincent and the Grenadines | 8M+ users
$1B+ volume per month |
SOC 2 Type II + ISO 27001 | Expanding the NOW ecosystem across wallets, storage, APIs, and payments
Included among the major wallet providers |
| 13 | Addyen | Business payment processor | Amsterdam, Netherlands | Access to MiCAR in the EU
Bitstamp FCA + NYDFS licenses |
DNB + ECB is supervised | Crypto acceptance has been extended to Web3 merchants
Stablecoin price history |
| 14 | Checkout.com | A commercial entrepreneur | London, UK | 2,000+ employees worldwide | FCA-approved + DIFC regulated | Stablecoin pilot announced in 2025
Additional infrastructure for interchanges and onramps |
| 15 | BitPay | Crypto Payment Processor | Atlanta, USA | It has been around since 2011
It supports BTC + 12 other things |
FinCEN MSB + multi-level MTLs | BitPay Card Extension nationwide
Maintaining a commercial agreement for products and payments |
About the List
BeInCrypto Institutional 100 – Digital Assets Fintech (2026 Long List) identifies fintech companies that connect fiat payment systems and digital assets through consumer applications, business infrastructure, stablecoins, lightning rails, wallets, and integrated crypto services.
This group includes crypto-native payment processors, commercial fintech platforms, business acquirers, stablecoin-driven fintechs, and sustainable ecosystems. Companies whose primary responsibility is fiat onramp infrastructure are analyzed separately under the Onramp/Offramp category.
The way
The group is evaluated under Track B of the BeInCrypto Institutional 100 methodology: 30% quantitative metrics, 50% Expert Council scoring, and 20% data dissemination.
The evaluation goes through seven weighted dimensions: depth of crypto trading, number of shares, standardization, technology, financial growth, geographical spread, reputation, and contributions in the fintech sub-sector.
Data was verified against NYDFS, FinCEN, FCA, MiCA-CASP, OCC, MAS, CySEC, AUSTRAC, and FINTRAC registries, as well as readable documents, company disclosures, business announcements, and marketplaces like PitchBook, Tracxn, and Crunchbase.
A note BeInCrypto Institutional Research: 15 Fintechs Bridging Fiat and Digital Assets appeared for the first time BeInCrypto.
