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.