Best Crypto Banking Platforms in 2026

WeFi is a crypto banking platform positioned as a Deobanking platform (decentralized on-chain banking), built by a professional team with experience in major fintech and crypto projects.

Since its launch, WeFi has gained the trust of over 150,000 users in more than 80 countries, and its native token WFI is ranked among the top 250 cryptocurrencies by market capitalization.

As a deobanking platform, WeFi combines the functionality of traditional banking with blockchain capabilities. One key feature is stablecoin-backed fiat: users can deposit fiat and instantly access the equivalent amount in stablecoins without needing exchanges or paying conversion fees.

WeFi offers three types of cards — virtual, plastic, and metal — enabling users to manage both fiat and crypto assets in one interface and make payments directly. Currently, the platform supports 15 crypto assets, with plans to introduce hybrid storage, allowing a mix of custodial and non-custodial accounts with one-click withdrawals.

The $WFI token provides holders with ecosystem benefits such as higher APR on stablecoins, reduced card transaction fees, and farm reward tokens (Energy).

Wirex is a crypto banking app designed to manage various types of assets, payments, and financial services for users. Founded in 2014, Wirex now serves over 8 million clients in more than 150 countries and has processed over $20 billion in transaction volume.

The app is available on both iOS and Android and combines the worlds of crypto and traditional finance in one platform. Its features include a debit card that can be used at over 80 million merchants, offering up to 8% crypto cashback.

Users can trade and exchange more than 150 assets (fiat and cryptocurrencies), access collateralized crypto loans, and participate in flexible and fixed investment strategies.

Nexo is one of the leading digital wealth platforms offering crypto-banking services, founded in 2018. Today, Nexo is trusted by over 7 million users, available in more than 150 countries, and manages over $11 billion in assets.

Nexo provides a simple and accessible way for users to interact with a familiar, bank-like model of asset management while benefiting from the advantages of cryptocurrencies. The platform supports over 100 crypto and fiat assets and offers competitive interest rates on more than 20 of them.

In addition, Nexo offers asset exchange, crypto-backed loans, and a futures trading platform — making it a powerful all-in-one hub for managing digital wealth. Users can also access the Nexo Card, which enables payments across more than 100 million merchants worldwide.

One of Nexo’s standout features is its loyalty program, where NEXO token holders gain various benefits: boosted interest rates on savings (up to 16%), crypto cashback for card spending, free crypto withdrawals across 15+ networks, and more.

Crypto.com is a global crypto trading platform founded in 2016 that also provides a range of crypto banking services. Today, Crypto.com is one of the most regulated and certified platforms, trusted by more than 150 million users worldwide. The company offers products for trading, non-custodial crypto storage, DeFi interaction, and crypto-banking — all separated across three different applications.

In the main Crypto.com App, users can buy and sell over 400 cryptocurrencies and access more than 20 supported fiat currencies. The platform also offers various crypto debit cards (accepted by over 300 million merchants globally), available through subscription plans or by locking a certain amount of the native CRO token. These cards allow users to pay for purchases while managing both crypto and fiat in a single interface.

Crypto.com’s standout feature is its Level Up program — a tiered subscription model with four membership levels, each providing enhanced platform benefits. Depending on the chosen tier, users can unlock higher card cashback rates, boosted yields with competitive APYs and no lock-up requirements, along with reduced or zero trading fees for select levels.