Tracking Nubank’s DeFi Moves
DeFi Meets Digital Banking: Nubank's Timeline of Utility, Tokens, and Turnarounds
Nubank’s DeFi journey is an example in strategic iteration, evolving from basic crypto trading in 2022 to embedding a multichain financial infrastructure by 2025. What started with BTC and ETH via Paxos swiftly turned into a native token economy with Nucoin, launched on Polygon—not just as a loyalty layer, but as a testing ground for deeper user engagement through staking, cashback, and redemptions.
Each move reveals Nubank’s methodical layering of DeFi use cases: from enabling transfers and swaps to integrating USDC for remittances and digital commerce. Even the suspension of Nucoin marks a thoughtful recalibration. The latest expansion into Cardano, NEAR, Cosmos, and Algorand cements its intent to build a resilient, interoperable crypto-fintech stack—one that goes far beyond hype, and squarely toward utility and scale.
Curious about the strategy behind these moves?
The full report breaks down the rationale, timing, and product bets behind Nubank’s DeFi roadmap—plus what it means for digital banks and fintechs building onchain:
Nubank's Deep Dive Report 📔
Nubank’s building a case as the most dominant fintech on the planet. With 114M+ users, $2B+ in net income, and metrics that legacy and challenger banks would kill for, Nu is proof that fintechs can scale and stay profitable. In a region where high cost-to-serve and low credit access are the norm, Nubank built a lean, digital-first platform that’s low-cost, hyper-scalable, and sticky.
Whether it’s cracking payroll loans, embedding telecom into its superapp, or using Open Finance to find low-risk borrowers at scale—Nu’s model is what sustainable fintech looks like in emerging markets. WhiteSight’s latest deep dive distills the plays, pivots, and product bets that fuel Nubank’s rise across LATAM.
Whether it’s cracking payroll loans, embedding telecom into its superapp, or using Open Finance to find low-risk borrowers at scale—Nu’s model is what sustainable fintech looks like in emerging markets. WhiteSight’s latest deep dive distills the plays, pivots, and product bets that fuel Nubank’s rise across LATAM.
Report
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