消费级金融科技公司与支付平台，正逐步成为加密资产接入的重要分发渠道之一。最佳数字资产金融科技奖隶属于 BeInCrypto 机构 100 强，这是每年举办的权威研究型评选项目，旨在表彰全球数字资产机构在 26 个奖项和六大核心领域的卓越表现。
该奖项归属于第一大核心领域：“零售到加密桥梁”。以下为本类别的 15 家初选机构名单。最终入围名单将于 2026 年 5 月公布，获奖机构将在 2026 年 6 月 2–3 日于巴黎举行的 Proof of Talk 峰会上正式揭晓。
- 初选名单：涵盖 15 家金融科技企业，覆盖原生加密支付基础设施、稳定币钱包、基于闪电网络的消费级支付通道、零售经纪服务商、企业收单商及跨境金融科技平台。
- 入围情况：共筛选超过 30 家面向消费者与 B2B 的金融科技企业，最终 15 家成功进入初选名单。
- 评分结构：定量数据占 30%，专家委员会评审占 50%，公司自披露信息占 20%。
- 评选标准：涵盖加密产品深度、分发规模、合规进展、创新能力、资本成熟度、地区覆盖广度及市场口碑等维度综合考量。
- 数据来源：NYDFS、FinCEN、FCA、MiCA-CASP、OCC、MAS、CySEC、AUSTRAC、FINTRAC、审计报告、公司公开披露、PitchBook、Tracxn 及 Crunchbase 等权威平台。
| # | 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 accounts 100M+ businesses on Stripe | Bridge OCC charter conditionally approved | Acquired Bridge and Privy Open Issuance powers Phantom CASH and MetaMask mUSD |
| 2 | PayPal / Venmo | Consumer wallet + stablecoin issuer | San Jose, USA | 436M active accounts PYUSD across 4 chains | PYUSD issued by Paxos Trust | Expanded PYUSD into 70 markets Launched 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 globally Spiral continued Bitcoin core funding |
| 4 | Robinhood | Retail broker with crypto stack | Menlo Park, USA | 26M funded customers Bitstamp adds 5M+ users | MiCAR access in EU Bitstamp FCA + NYDFS licences | Closed Bitstamp acquisition in 2025 Expanded into Canada through WonderFi |
| 5 | Circle | Stablecoin issuer + banking distribution | Boston / NYC | USDC $73B market cap Embedded into core banking platforms | OCC conditional charter approval | NYSE IPO completed in 2025 Circle Payments Network expanded to 200+ banks |
| 6 | Revolut | Multi-product fintech with crypto | London, UK | 65M customers globally Revolut X across the UK and the EEA | FCA crypto registration + MiCAR-CASP | Expanded Revolut X across Europe Launched self-custody Revolut Wallet |
| 7 | SoFi Technologies | US fintech with crypto relaunch | San Francisco, USA | 10.9M members Galileo powers 100M+ accounts | FinCEN MSB + state MTLs | Relaunched crypto trading in 2025 Stablecoin payments roadmap disclosed |
| 8 | KAST | Stablecoin-native cross-border fintech | Singapore | 1M+ users 190+ countries | Operates through licensed partners | Closed $80M Series A in 2026 Stablecoin spending integrated with Visa |
| 9 | Nubank | LatAm fintech crypto distribution | São Paulo, Brazil | 65M customers globally Revolut X across UK and the EEA | Paxos institutional trust framework | Expanded token support during 2025 Cross-border crypto custody rollout planned |
| 10 | eToro | Social trading + crypto platform | Tel Aviv / Bnei Brak | 30M users globally 100+ countries | FCA crypto registration + AUSTRAC + FinCEN | Nasdaq IPO completed in May 2025 Unified crypto, stocks, and ETF trading |
| 11 | Strike | Bitcoin and Lightning fintech | Chicago, USA | 100+ countries 50-state US coverage achieved | NY BitLicense + FinCEN MSB | Approved for NY operations in 2026 Launched 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 payments Integrated across major wallet providers |
| 13 | Adyen | Enterprise payment processor | Amsterdam, Netherlands | MiCAR access in the EU Bitstamp FCA + NYDFS licences | DNB + ECB supervised | Crypto acceptance expanded for Web3 merchants Stablecoin 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 2025 Expanded infrastructure for exchanges and onramps |
| 15 | BitPay | Crypto payments processor | Atlanta, USA | Active since 2011 Supports BTC + 12 other assets | FinCEN MSB + multi-state MTLs | Expanded BitPay Card nationally Maintained merchant partnerships across retail and payments |
关于本榜单
《BeInCrypto 机构百强：数字资产金融科技榜（2026 长名单）》旨在盘点那些通过消费级应用、企业级基础设施、稳定币、闪电网络通道、钱包以及嵌入式加密服务，推动法币支付系统与数字资产深度融合的金融科技企业。
本类别涵盖主打加密支付处理的原生企业、零售金融科技平台、企业级收单机构、以稳定币为核心的金融科技公司以及去托管生态系统。以法币入金基础设施为主要业务的公司将被单独评选，归入入金/出金（Onramp/Offramp）类别。
评选方法
本类别依据 BeInCrypto 机构百强评选体系 Track B 进行评估：定量指标占比 30%，专家委员会评分占比 50%，公开披露数据占比 20%。
评估从七大维度进行权重打分：加密产品深度、市场分发规模、合规资质、创新能力、资本成熟度、全球覆盖范围、品牌声誉，以及对细分金融科技领域的贡献。
所有数据均经 NYDFS、FinCEN、FCA、MiCA-CASP、OCC、MAS、CySEC、AUSTRAC 及 FINTRAC 等监管机构名录核实，并结合审计报告、公司披露、合作公告和 PitchBook、Tracxn、Crunchbase 等一级市场渠道进行交叉验证。
