The other day, a friend sent me Bitcoin straight from his banking app — no third-party wallet, no fuss. That’s when it clicked: Crypto-as-a-Service (CaaS) isn’t a trend. It’s becoming essential to modern finance.
If you're running a bank, fintech, or payment platform in 2025, chances are your users already expect some kind of crypto functionality. The good news? You don’t need to build an exchange to deliver it.
CaaS lets you plug crypto into your product — think wallets, trading, fiat ramps, staking, or even debit cards — all powered by API and under your own brand.
🚀 From what I’ve seen, two CaaS providers stand out:
✅ WhiteBIT for Fintechs & Retail-Focused Teams
• 300+ assets across 80+ networks
• Visa-linked wallets, POS terminals, DEX access
• White Label solution , API-first setup
• 96% of assets in cold wallets
✅ Coinbase for Global Institutions
• Regulated in the US, EU, and Asia
• Sub-custody, advanced trading tools, USDC rails
• Used by BlackRock, major banks
💬 Exclusive comment from Cesare Pesci, Junior Associate at YOBE Ventures:
“CaaS isn’t just about enabling token trading, it's a liquidity engine and a user retention tool. For neobanks, embedding crypto features (staking, swapping, yield) keeps users in the ecosystem longer, gives them a reason to open the app daily, and increases cross-product engagement. For P2P platforms, crypto rails can reduce costs, especially cross-border, while also unlocking real-time value exchange. Think: tipping, creator payments, cross-border gig economy, all powered by programmable money.”
💡 Final thought:
Crypto is no longer niche. It’s just finance. And CaaS makes integration easier than ever.
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