World

World experience

Who has already built a crypto bank, what works for them and what we take.

Numbers

The market in 2026

$300B

stablecoin market cap

741M

crypto holders worldwide

$18B

crypto card volume per year, ×15 since 2023

$390B

stablecoin payments in 2025, ×2

324

licensed CASPs in the EU

$33B

tokenized assets (RWA)

Who has built it

Crypto banks of the world

Licensed banks with crypto in 2026. What works for them and what we take.

Sygnum

Switzerland

$1B+ valuation, MiCA passport, 20 partner banks, Sygnum Protect > $1B

We take: B2B model for Belarusian banks

AMINA Bank

Switzerland

First MiCA CASP licence, CET1 31%, three pillars: interest, fees, trading

We take: Revenue structure

Xapo Bank

Gibraltar

USD 3.35% paid daily in BTC, BTC loans up to $1M, 0 FX card

We take: BTC loans, card

Anchorage Digital

USA, OCC

First federal crypto bank, $4.2B valuation, USA₮ with Tether

We take: Custody standard

Kraken Financial

USA, Wyoming

First Fed master account among crypto (03.2026), PoR > 100%, xStocks $38B

We take: Proof-of-reserves

Erebor Bank

USA

Charter 02.2026, $4.6B deposits in 6 months, “bank for the innovation economy”

We take: Launch speed

Revolut

EU / UK

14M crypto users, EURR stablecoin (08.2026), AIR AI assistant

We take: AI assistant, UX

Coinbase

USA

OCC trust charter (04.2026), card up to 4% BTC cashback, Agentic Wallets

We take: Cashback, agents

Nubank

Brazil

7M crypto users, USDC Rewards 4%, AI agents +37 NPS points

We take: Mass product

Regulatory milestones

2025–2026: the year of licences

18.07.2025
USA: GENIUS Act — stablecoin law
12.12.2025
OCC: charters for Circle, Ripple, BitGo, Fidelity, Paxos
16.01.2026
Belarus: Decree No. 19 on crypto banks
04.03.2026
Kraken — first Fed master account
10.04.2026
Hong Kong: first stablecoin licences HSBC, Anchorpoint
01.07.2026
EU: MiCA fully in force, 324 CASPs
18.07.2026
Belarus: Decree No. 19 in force
03.09.2026
Revolut: preliminary OCC approval for a US bank

Sources: finews, CoinDesk, Bloomberg, Kraken, Coinbase, Revolut, ESMA, BCG, Crypto.com. Full dated report is with the project team.

Features

Partners and investors

Open to partnership and collaboration

We invite banks, investors and fintech companies to work together. Next-generation financial technology is the basis for partnership.

Ways to participate Write to us

Banks
Correspondent relations, joint products, integration of crypto services into your channels.
Investors
Equity participation at the stage of forming the authorised capital and filing with the National Bank.
Fintech companies
KYC, blockchain analytics, liquidity, payment gateways, AI modules.

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