Combine IBAN and Crypto in a Single App
Digital Finance Is No Longer Either/Or
People are rethinking what money means and how they use it. Businesses and users want more than basic tools, they’re looking for one place to manage both traditional money and digital assets, simply and smoothly.
Until recently, offering both fiat (traditional currencies like EUR or GBP) and crypto functionality meant juggling multiple systems, interfaces, and partners. But the game is changing. With Crassula’s white-label mobile app, fintechs, neobanks, and SaaS platforms can now offer IBAN accounts and crypto accounts under one login, one interface, one user.
Why This Matters Now
Two powerful trends are shaping this moment:
- Mainstream adoption of crypto - Crypto has outgrown its niche. Institutional players are entering the space, and regulatory frameworks are maturing. Users want crypto next to fiat, not instead of it.
- Platform unification - Whether it’s banking, payments, or investments, users expect fewer apps and fewer steps. The race is on to consolidate services while maintaining trust and usability.
For fintech founders and product leads, this convergence isn’t just a nice-to-have, it’s becoming a strategic differentiator.
The Fragmentation Problem
Here’s the challenge: most fintechs that want to offer both IBANs and crypto have to integrate multiple providers. One for core banking, another for digital assets, a third for compliance, and yet another for user interface development.
That means:
- Higher costs (infrastructure, support, maintenance)
- Longer time-to-market
- Compliance complexity
- A fragmented user experience
Customers don’t care about the backend, but they do care when switching between apps breaks their flow, or when onboarding feels clumsy.
Crassula’s Approach: One Profile, Fully Integrated
Crassula solves this fragmentation with a powerful, modular solution: a branded mobile app that combines traditional banking services and crypto wallet functionality, all in a single profile architecture.
With Crassula, you can offer:
- IBANs personal and corporate for sending and receiving different payment rails (SEPA, SWIFT, FPS, etc.)
- Crypto wallets supporting popular coins like BTC, ETH, Stablecoin
- Exchange features to swap between fiat and crypto
- Unified onboarding and KYC across services
- A fully branded user experience — your logo, your tone, your brand
No patchwork integrations. No disjointed UX. Just one coherent ecosystem.
How Fintechs and Platforms Are Using It
Here are a few examples of how fintech innovators are leveraging Crassula’s dual-functionality app:
- Neobank for Freelancers: Targeting users who receive payments in Crypto but convert it to fiat, giving them flexibility to save or spend in their preferred currency.
- Corporate SaaS Platform: Enabling payouts in IBAN while allowing earnings to be stored or transferred in stablecoins, bypassing traditional FX fees and delays.
- Wealth Management App: Simplifying crypto-fiat portfolio management for retail users with a single dashboard, reducing friction and boosting retention.
The flexibility opens doors to new user segments, new revenue models, and expanded geographic reach.
Looking Ahead: The Borderless Account Is the Future
As the financial world continues to evolve, the winners will be the platforms that abstract complexity and deliver value fast. Giving your users access to both IBANs and crypto from one place isn’t just innovative, it’s expected.
Crassula’s mobile apps and infrastructure makes it possible, without months of development or a team of backend engineers. It’s fast, flexible, and designed for fintech builders who think ahead.
Talk to us to learn how you can launch your own branded app with IBAN + Crypto
