Digital asset neobanks are evolving far beyond simply offering cryptocurrency services. The top players now integrate stablecoins, reward programs, lower transaction fees, on-chain transfers, and card-linked financial tools directly within apps designed for everyday consumers.
Nubank stands out as a prime example of this evolution. The company has been nominated for Best Digital Assets Neobank at the BeInCrypto Institutional 100 Awards 2026.
| Company | Nu Holdings, NYSE: NU |
| Base | São Paulo, Brazil |
| Customers | 135M+ globally |
| Brazil customers | 115M+ |
| Nubank Crypto users | 7M+ |
| Crypto assets supported | 29 digital assets |
| Crypto products | Buy/sell, USDC swaps, USDC rewards, Earn Crypto, on-chain transfers |
| 2026 crypto updates | Earn Crypto launch, fee reductions, Bitcoin Pizza Day zero-fee campaign |
This nomination highlights the scale and sophistication of Nubank Crypto within one of the world’s largest digital banking platforms. By March 2026, Nu Holdings reported over 135 million customers worldwide, with more than 115 million based in Brazil. The platform maintained an 83% activity rate, demonstrating not just size but deep user engagement.
This is crucial for the category because crypto adoption within a neobank relies heavily on distribution. Nubank already possesses the customer base, app engagement, payment relationships, and financial trust needed to bring digital assets into mainstream banking.
From Crypto Access to Crypto Utility
Nubank Crypto now serves over 7 million clients, enabling users to buy, sell, and store cryptocurrency directly within the Nubank app.
In March 2026, Nubank introduced a significant new feature called Earn Crypto, a staking-based product integrated into the Nu app. The offering launched with Solana rewards at a promotional 6% rate for a limited period, with plans to gradually expand access to eligible clients and support additional assets in the future.
This development moved Nubank Crypto beyond simple buy-and-sell functionality. Users can now put their idle digital assets to work directly within the app, without needing to leave the Nubank ecosystem.
“Your first crypto purchase actually has zero fee and you can start with as little as one Brazilian real. A lot of people are concerned that they have to have tens of thousands, hundreds of thousands of reais or dollars to even get into crypto. So we make it very obvious and easy,” said Michael Rihani, Senior Director of Digital Assets at Nubank.
Lower Fees and Broader Access
Nubank also reduced crypto trading fees in April 2026. The new progressive discount model can cut fees by up to 100%, with lower costs based on trading volume over the previous 45 days. Ultravioleta clients and first-time crypto buyers benefit from zero-fee transactions under this model.
This fee adjustment is significant because neobank crypto products compete on simplicity and affordability. For mass-market users, even small fees can discourage regular use. Nubank’s approach makes crypto trading more affordable for active users while removing barriers for newcomers.
In May 2026, Nubank also ran a Bitcoin Pizza Day promotion, waiving Bitcoin purchase fees for 24 hours. The same promotion extended zero-fee trading to all other digital assets available on the platform, with Nubank stating clients could trade 29 cryptocurrencies during the campaign.
While the promotion was temporary, it showcased the breadth of the product offering. Nubank Crypto now includes scheduled purchases, price alerts, USDC swaps, USDC rewards, Earn Crypto, and on-chain deposits and withdrawals for assets including BTC, ETH, SOL, and USDC.
Stablecoins as a Neobank Layer
Stablecoins play a central role in Nubank’s digital asset strategy. Through its partnership with Circle, Nubank has made USDC accessible to a massive Brazilian user base.
According to Circle’s case study, over 100 million Brazilians now have access to USDC through Nubank, with 25% of beginner crypto buyers choosing USDC as their first purchase on the platform. USDC trading volume on Nubank increased by 30% in the first half of 2025.
“Most people don’t really wake up wanting to get a coin that’s stable. They want access to the digital dollar,” Michael Rihani said. “We are focused on the valuable digital assets that have real-world utility and can help solve everyday pain points that our customers have.”
This gives Nubank a stronger position than a neobank that only offers speculative crypto access. USDC provides a dollar-linked product within the app, catering to users seeking digital dollar exposure, seamless swaps, and a more stable entry point into cryptocurrency.
Why the Nomination Stands
Nubank’s nomination for Best Digital Assets Neobank is built on scale, product depth, and execution.
The company boasts one of the largest neobank customer bases globally. Its crypto product already reaches over 7 million users. In 2026, it expanded from basic access to include rewards, fee reductions, campaign-driven engagement, and broader stablecoin utility.
The BeInCrypto Institutional 100 Awards recognize companies building the infrastructure that could define the next era of digital finance.
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