Jakarta, Pintu News – Crypto neobanks are one of the latest innovations in the world of digital finance that combine modern banking services with blockchain technology. In an ever-evolving ecosystem, a number of crypto-based neobank projects are starting to attract attention for offering fast, decentralized, and efficient services.

By 2026, several crypto neobanks are predicted to have great potential to shine thanks to increased adoption, strong liquidity, as well as integration into the global financial sector. This article looks at seven crypto neobanks that have the potential to register significant growth in that year!

1. Mantle (MNT)

Mantle (MNT) is a Layer-2 Ethereum network designed to increase transaction speed and reduce gas fees through modular rollup technology. Mantle is used by various DeFi applications and on-chain neobanks due to its high throughput. Based on CoinMarketCap data, MNT is trading at $0.9320 with a market capitalization of $3.03 billion and an outstanding supply of 3.25 billion MNT.

In the last 24 hours, MNT recorded a correction of -15.51%, but still showed strong liquidity with a trading volume of $144.1 million. With more and more financial applications moving to Layer-2, Mantle has the potential to become an important foundation for crypto neobanks in 2026.

2. ether.fi (ETHFI)

ether.fi (ETHFI) is a liquid restaking platform that allows users to earn returns on Ethereum (ETH) staking without locking up assets. The project is gaining popularity among crypto neobanks as it provides staking-based liquid assets that can be traded or used as collateral. ETHFI currently has a price of $0.7281, a market capitalization of $443.3 million, and an outstanding supply of 608.77 million tokens.

In the last 7 days, ETHFI corrected -20.92%, but its 24-hour volume remained high at $95.9 million, signaling consistent trader activity. The growth of the restaking sector increases rapidly throughout 2024-2025, making ETHFI one of the strong candidates for yield-based neobanks in the future.

3. Plasma (XPL)

Plasma (XPL) is a lightweight crypto payment network designed for fast transactions and low fees, suitable for retail use and neobank applications. With a price of $0.2137, a market capitalization of $384.76 million, and a circulating supply of 1.8 billion XPL, the asset shows fairly wide adoption in digital payment applications.

XPL’s trading volume reached $336.5 million, indicating high interest from the market despite the price dropping -12.56% in the last 24 hours. The Plasma Network is often chosen for crypto e-wallet integration due to its transaction speed of thousands of TPS and near-zero fees, making it an ideal candidate for global payments in 2026.

Read also: 10 Layer-1 Crypto that Potentially Reach ATH in 2026

4. THORWallet (TITN)

THORWallet (TITN) is a non-custodial Web3 financial application that allows users to store, transfer, and exchange assets across blockchains. TITN is trading at $0.0667 with a market capitalization of $2.83 million and an outstanding supply of 42.5 million tokens. Daily volume of $2.89 million showed an increase in activity compared to the previous week.

In the last 7 days, TITN is down -10.86%, but its parent THORChain ecosystem continues to expand. Through its cross-chain liquidity feature, THORWallet has the potential to become a multichain transaction center for crypto neobanks in the future.

5. E Money (EMYC)

E Money (EMYC) is an algorithmic stablecoin and payment system running on top of the Cosmos network, intended for international transactions with low fees. EMYC token currently has a price of $0.01062, a market capitalization of $1.60 million, and a trading volume of $463,718. Its circulating supply stands at 150.88 million EMYC.

Despite being down -11.30% in the last 24 hours, EMYC is stable in the long term as it is positioned as payment infrastructure for digital banks. The ever-evolving Cosmos ecosystem makes EMYC one of the payment tokens worth reckoning with in 2026.

Also read: 10 Crypto Cross-Chains that Have the Potential to Rise in 2026

6. Avici (AVICI)

Avici (AVICI) is a Web3 payment platform that combines features of e-wallet, merchant payments, and NFT integration. AVICI is currently one of the best performing tokens on this list, trading at $4.50, a market capitalization of $58.12 million, and a trading volume of $9.04 million.

In the last 7 days, AVICI has actually experienced a gain of +31.72%, making it the only asset on the list to record a positive trend. With its crypto-based super-app concept, Avici has the potential to become a prominent Web3 neobank by 2026.

7. VPay (VPAY)

VPay (VPAY) is a crypto payment network that provides digital debit cards and global merchant integration. VPAY was trading at $0.006258, a market capitalization of $6.18 million, and a trading volume of $1.07 million. Its circulating supply stands at 1 billion VPAY.

Despite a -27.26% correction in 24 hours and -43.63% in the week, VPAY remains attractive due to its focus on global payment solutions. With expansion into the Southeast Asian and Latin American markets, VPAY could gain new momentum ahead of 2026.

Conclusion

These seven crypto assets show great potential as the foundation of Web3’s growing neobank. Despite the current bearish market conditions, data shows that trading volumes and ecosystem development remain active. With strong utilities such as global payments, restaking, and multichain transactions, these assets deserve attention ahead of 2026.

FAQ

What is a crypto neobank?

Neobank crypto is a digital finance platform that uses blockchain technology to provide global payment, asset storage, and transaction services quickly and cheaply.

Why are some coins on this list still going down despite their great potential?

Short-term price drops are often influenced by market conditions, while potential is assessed through technology, volume, and ecosystem development.

Where did the price and market capitalization data in this article come from?

Data is taken directly from CoinMarketCap as of November 21, 2025, including the price, volume, and circulating supply of each asset.

What are the main risks in investing in crypto neobanks?

Risks include price volatility, regulatory changes, as well as project sustainability as it is still in the development stage.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Coinmarketcap
• Featured Image: Generated by AI