BeInCrypto 100 Institutional Awards Nomination: Nubank for Best Digital Assets Neobank

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Digital asset neobanking is moving from basic crypto access to everyday financial utility. The strongest players are no longer just letting users buy Bitcoin. They are adding stablecoins, rewards, lower fees, on-chain transfers, and card-linked financial experiences inside apps that already serve mass-market users. Nubank is one of the clearest examples of that shift. The firm is nominated for Best Digital Assets Neobank at the BeInCrypto Institutional 100 Awards 2026. Nubank’s nomination reflects the scale and depth of Nubank Crypto inside one of the world’s largest digital banking platforms. Nu Holdings reported more than 135 million customers globally by March 2026, including more than 115 million in Brazil. Its activity rate remained at 83%, showing that the platform is not just large but heavily used. That matters in this category because crypto adoption inside a neobank depends on distribution. Nubank already has the customer base, app engagement, payment relationship, and financial trust layer needed to bring digital assets into mainstream banking. From Crypto Access to Crypto Utility Nubank Crypto now serves more than 7 million clients, allowing users to buy, sell, and store crypto directly inside the Nubank app. In March 2026, Nubank added a major new layer with Earn Crypto, a staking-based feature inside the Nu app. The product launched with Solana rewards at a promotional 6% rate for a limited time, with access expanding gradually to eligible clients and plans to support more assets later. This moved Nubank Crypto beyond simple buy-and-sell access. Users can now put idle digital assets to work directly inside the app, without leaving 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 reduce fees by up to 100%, with lower costs based on trading volume over the previous 45 days. Ultravioleta clients and first-time crypto buyers receive zero-fee transactions under the model. That fee change is important because neobank crypto products compete on simplicity and cost. For mass-market users, small fees can block regular use. Nubank’s model makes crypto trading cheaper for active users while lowering the barrier for first-time buyers. In May 2026, Nubank also ran a Bitcoin Pizza Day campaign, waiving Bitcoin purchase fees for 24 hours. The same campaign extended zero-fee trading to the other digital assets available on the platform, with Nubank saying clients could trade 29 cryptocurrencies during the campaign. The campaign itself was temporary, but it showed the broader product surface. 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 are also central to Nubank’s digital asset story. Nubank’s partnership with Circle has made USDC available to a mass Brazilian user base. Circle’s case study says more than 100 million Brazilians now have USDC access through Nubank, with 25% of beginner crypto buyers choosing USDC as their first purchase on the platform. USDC trading volume on Nubank rose 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.” That gives Nubank a stronger case than a neobank that only offers speculative crypto access. USDC adds a dollar-linked product inside the app, supporting users who want digital dollar exposure, lower-friction swaps, and a more stable entry point into crypto. Why the Nomination Stands Nubank’s nomination for Best Digital Assets Neobank rests on scale, product depth, and execution. The company has one of the largest neobank customer bases in the world. Its crypto product already reaches more than 7 million users. In 2026, it expanded from access into rewards, fee reduction, campaign-driven engagement, and broader stablecoin utility. The BeInCrypto Institutional 100 Awards recognize firms building the systems that could define the next phase of digital finance.

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