Neobanks had a spend volume of over $1.11b last month. The top 3 cards @RedotPay, @ether_fi, @KASTxyz account for 55% market share. This is less concentrated than, for instance, Lending, where the top 3 account for 66%, leaving room for new providers to try to compete.

Neobanks have their best fits in emerging markets. Why? Easy - in those markets, the native currency is often wildly unstable. People want to keep their savings in dollars, but you can't use USD to buy bread. With stablecoin-denominated neobanks, you can.

More neobanks crypto cards projects need to adopt and run these spend-and-unlock rewards to lure users over. Personally think this is a super solid user acquisition strategy ​$500 bonus for depositing $25k + spending $10k within 90 days (effectively 5% cashback) I cleared it in a month

Crypto neobanks are the best Now I can increase my USDC reserves from my onchain shitcoin profits, sent it to the crypto debit card and buy stuff IRL Using magic internet money to buy physical items = means the items are free right? #BoyMath#

more neobanks should be focused on the b2b market, not consumers. the consumer market is increasingly crowded and the bar to compete is getting much lower. all a consumer needs is: > a visa card > some yield > a virtual account to move fiat in and out but businesses have much more complex financial needs: > expense management > employee cards > different permissions > multi-entity management > payroll > accounting integrations + a lot more that makes the product significantly harder to build, but that complexity IS the moat. I could probably list about 50 large consumer neobanks. but only a handful are doing global business banking really well. and the economics are much better. one good business customer can generate the volume of hundreds or even thousands of consumers. there are 7M businesses in the US and 350M globally (with more entities created this past year than ever before) b2b > b2c.

16 neobank & crypto payments events you won’t want to miss over the next 6 months ↓ (Bookmark to not lose it) September • Stablecoin Week: Sept 7-11 | Washington, DC • Stablecon USA: Sept 9-10 | Washington, DC area • FinovateFall: Sept 9-11 | New York • Money20/20 Middle East: Sept 14-16 | Riyadh October • Fintech Meetup Europe: Oct 6-8 | Lisbon • TOKEN2049: Oct 7-8 | Singapore • Stablecoin Summit: Oct 8 | Singapore • The Treasury Table: Oct 8 | Singapore • Money Layer: Oct 8 | Singapore • Money20/20 USA: Oct 18-21 | Las Vegas November • Hong Kong FinTech Week: Nov 2-6 | Hong Kong • FTT Fintech Festival: Nov 9-10 | London • Solana Breakpoint: Nov 15-17 | London • Singapore FinTech Festival: Nov 18-20 | Singapore December • FinTech Connect: Dec 1-2 | London February 2027 • Fintech Meetup USA: Feb 22-4 | Las Vegas Am I missing anything?

Any neobank can now offer private payments on Umbra. @stealf_finance, the privacy-first neobank on Solana, gives users two wallets in one app: - A fully compliant Cash wallet (KYC, debit card, fiat rails) - A self-custodial Private wallet with balances encrypted on-chain without breaking compliance @swishdotcash works like Stripe for private payments. Every send is automatically routed across the best available protocols, choosing what’s cheapest, fastest, and reachable for the recipient. Powered by Umbra