Descubra os melhores neobancos cripto de 2026

Unlike traditional banks, crypto neobanks are typically built around payments rather than lending. Most platforms offer a mix of fiat accounts, crypto or stablecoin balances, and cards, allowing users to move value across different systems without relying exclusively on legacy bank transfers.

In practice, crypto neobanks may combine:

• Fiat balances held with regulated banking partners
• Stablecoin balances used for transfers or settlement
• Crypto cards for everyday spending through Visa or Mastercard
• On-ramps and off-ramps between fiat and digital assets
• International payments using either bank rails or blockchain networks

Stablecoins often form the connective layer between these components. By using stablecoins for settlement, crypto neobanks can reduce transfer times and improve predictability compared to volatile cryptocurrencies. The choice of stablecoin and blockchain network directly affects transaction costs, speed, and geographic availability.

While many crypto neobanks appear similar on the surface, real differences emerge when comparing operational details. Factors that meaningfully affect usability include:

• Geographic coverage: supported countries, residency rules, and regional restrictions
• Supported money types: fiat, stablecoins, and other digital assets
• Cost structure: account fees, conversion spreads, transfer fees, and withdrawal costs
• Payment capabilities: cards, local transfers, cross-border payments, and merchant support
• Reliability: limits, declined transactions, settlement speed, and operational constraints

Custody and compliance design also play a major role. Some crypto neobanks fully custody user funds, while others integrate external wallets or offer hybrid models. These design choices influence who controls funds, how recovery works, and what level of verification is required. For most users, the practical implications matter more than the label itself.

Neobankster is a data-driven directory designed to make these differences visible. Instead of ranking platforms by promotional claims, Neobankster organizes crypto neobanks using standardized attributes such as supported regions, stablecoins, fees, limits, custody models, and product coverage.

Neobankster does not issue accounts, hold funds, or process payments. Applications and onboarding are completed directly with each provider. As the directory expands, the same structured approach will be applied to stablecoins, payment rails, and crypto payment processors, creating a consistent view of the broader crypto payments ecosystem.