How Digital Banks are Creating Value in Digital Assets & AI
Digital Banks Are Positioning Themselves as the Gateway to Everyday Crypto and AI
Digital banks are moving from experimenting to executing high-conviction plays in AI and digital assets. The moves in Q1 2025 were deeply strategic, signaling where customer value and monetization are heading next:
AI with a Payoff: Nubank is deploying AI at the frontline—chatbots, fraud systems, call center copilots—all geared to cut support costs and scale personalization without extra headcount. It’s a blueprint for efficiency-led growth.
🔹 Stablecoins as Everyday Yield Engines: With Nubank offering a 4% return on USD balances and Revolut unlocking stablecoin access via Ripple and ZeroHash, digital banks are transforming idle balances into sticky, income-generating products for their customers—without needing a trading UI.
🔹 Crypto Infrastructure Goes Plug-and-Play: BankPozitif offers custody with Taurus, Liv integrates trading with Zodia and Aquanow, and Revolut doubles down on its exchange—all signaling a shift from wallet features to embedded crypto infrastructure services targeting broader use cases and revenue layers.
The full Q1 2025 Digital Finance Roundup decodes how leading players are building these moats—what they launched, how they did it, and what it means for your roadmap.
Dive into detailed use-cases, partnerships, and positioning plays in the full report:
The State of Digital Finance (Q1 2025) 📔
From credit cards in developing markets to crypto custody for institutions, Q1 2025 saw digital banks get serious about product depth and global reach. Across the quarter, digital banks doubled down on lending to the underserved, scaled stock trading and tax filing into everyday banking, and tightened security amid rising scam threats. Meanwhile, regulators greenlit new players in emerging markets—signalling a regulatory shift that’s actively enabling digital challengers.
WhiteSight’s latest report unpacks the specific moves, market entries, and product plays defining digital finance in early 2025. Explore the most critical trends that are setting the pace for digital finance this year.
WhiteSight’s latest report unpacks the specific moves, market entries, and product plays defining digital finance in early 2025. Explore the most critical trends that are setting the pace for digital finance this year.
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