Fireblocks Buyer’s Guide for Fintechs

Adding Digital Assets to a Fintech Product Without Becoming a Crypto Company

Fintechs are adding digital asset features because customers ask for them and the economics hold up. The harder question is what to build, what to buy, and where private keys sit once customer money is involved.

Fireblocks orchestrates the world’s financial systems, bridging traditional finance and digital assets so businesses can hold, move, manage and issue value on one platform. More than 2,500 enterprises run their digital asset operations on Fireblocks across 200+ blockchains, and the platform has secured over $16T in digital asset transactions. This guide is written for fintech teams evaluating that infrastructure for the first time, and for teams replacing a setup that no longer fits.

For fintechs, the decisions that carry the most weight cluster around three areas:

• Custody model: Whether you take direct custody of customer assets, offer self-custody, or support both without maintaining two stacks
• End user experience: What a customer actually sees when they hold, send or convert digital assets, and how much complexity they face when interacting with crypto
• Compliance perimeter: Which obligations you take on, and which your infrastructure partner absorbs at the transaction layer

Selecting a provider is harder than the demos suggest. Most vendors describe themselves as secure, compliant and scalable, and the differences only surface later. This could be when you need a new chain live in a week, when a customer loses a device, and when the invoice arrives after volume has tripled. This guide gives fintech teams a structured way to compare before those moments arrive.

How This Guide Fits With the Fintechs, Trading Firms and Exchanges Guide

This is the fintech-specific view of a broader guide covering fintechs, trading firms and exchanges together. The combined guide sets out the criteria all three share, because all three buy custody, compliance tooling and chain coverage from the same stack. This one goes deeper on what only applies when digital assets sit inside a fintech product, including embedded wallets, payout automation and the questions that follow customer funds through a regulated entity.

Most fintech readers can stay here. If your organization also runs a trading desk or operates a venue, start with the combined guide and follow it across to the exchanges guide and the institutional trading firms guide.

Where Fireblocks Excels in Digital Asset Infrastructure for Fintechs

Offer Digital Assets Without Rebuilding Your Stack

Most fintechs do not want to become digital asset companies. They want to add blockchain rails, stablecoin balances, or global payouts to a product that already works, and they want it to go live before the market or their customers move on. Building that in-house means key management, chain integrations, node infrastructure, compliance tooling, and a team to maintain all of it. That cost does not stop after launch. It grows with every new asset, chain and jurisdiction.

The right infrastructure partner absorbs that work and leaves you the product. Fireblocks gives fintechs custodial wallet infrastructure, non-custodial embedded wallets, digital asset compliance tooling and treasury automation through a single API, and much more so a team of two engineers can ship what used to take a department.

Fireblocks for Fintechs

• Custodial wallet infrastructure through Wallets-as-a-Service, creating and securing MPC wallets at scale when you hold assets on a customer’s behalf
• Fireblocks Embedded Wallets, powered by Dynamic, let customers custody their own assets through social login, with no seed phrases to manage, secured by TSS-MPC
• Fireblocks Flow adds stablecoin acceptance to a payment flow you already run, so customers can pay in any digital asset and you settle in the stablecoin you choose
• Automation rules replace manual treasury work, with a no-code builder for sweeping wallets, converting tokens, topping up balances and distributing payouts
• Compliance built at the transaction layer through integrated screening, Travel Rule and wallet verification, rather than bolted on afterwards
• Tokenization APIs for issuing stablecoins, loyalty tokens or tokenized products inside your own platform
• Earn generates yield on idle stablecoin balances through onchain lending, turning a cost center into a revenue line and providing end users with yield

Digital Asset Use Cases for Fintechs

• Crypto buying, selling and holding inside an existing app, with custodial or self-custodial wallets depending on the segment
• Stablecoin balances and cross-border payments that settle outside banking hours
• Global payouts to contractors, sellers or partners without prefunding accounts in every corridor
• Stablecoin payment acceptance for merchants or business customers
• Tokenized loyalty, rewards and savings products managed across the full asset lifecycle
• Staking and yield features offered to retail users, with validator operations handled by the platform

Decision-Making Framework: Evaluating Digital Asset Infrastructure for Fintechs

Before entering a vendor conversation, work through these categories and decide which ones your business genuinely turns on. A fintech launching stablecoin payouts and a fintech adding retail crypto trading will weigh this table very differently.

Category	What to Evaluate	Why It Matters for Fintechs
Custody model flexibility	Support for custodial and non-custodial wallets on one platform, and whether switching between them requires a rebuild	Segments want different things. Retail users want simplicity, business customers often want control. Committing to one model early forces a replatform later
Security architecture	MPC key management, breach isolation, independent recovery options, and policy enforcement at the transaction layer	The right key management model depends on your regulatory requirements, the assets and chains you need to support, and how much of the signing path your engineers want to own
End user wallet experience	Onboarding through familiar login methods, cross-chain support, on-ramp integrations, and how much of the interface you can control	Seed phrases and gas fees are where retail funnels break. The wallet experience is your product, not your vendor’s
Compliance and governance	AML and KYC integration, Travel Rule support, sanctions screening, audit-ready reporting, and coverage across the jurisdictions you operate in	Compliance that requires separate integrations creates operational seams that regulators notice and your team has to manage
Time to production	API completeness, documentation quality, sandbox access, and how quickly a new chain or token can go live	Speed to market is usually the reason a fintech buys rather than builds. Test it before signing, not after
Chain and asset coverage	Number of blockchains and tokens supported, and whether you can add assets yourself	Customer demand moves faster than vendor roadmaps. Waiting on a provider to support an asset costs you the flow
Operational automation	Configurable workflows for sweeping, converting, rebalancing and payouts	Manual operations do not scale with users. Automation is what keeps headcount flat while volume grows
Commercial model	How pricing behaves as transaction volume, wallet count and asset coverage increase	Per-wallet or basis-point pricing that looks cheap at launch can become the largest line item at scale
Support and services	Onboarding support, professional services, SLAs, and access to engineers	A fintech running consumer flows cannot wait on a ticket queue when withdrawals are failing

Why Fireblocks: Core Value, Positioning & Differentiators for Fintechs

Fireblocks is the all-in-one digital asset infrastructure platform for fintechs. Custody, embedded wallets, payments, treasury automation and compliance sit in one place, which means a fintech can start with a single use case and add the next without changing providers.

Core Capabilities

• Multi-Party Computation security that distributes key shares across parties and devices, so no single compromise exposes customer funds
• Hot, warm and cold MPC wallets in one system, with sweeping between storage environments based on your risk policy
• Embedded wallets powered by Dynamic for non-custodial TSS-MPC wallets inside your application
• Wallets-as-a-Service for taking direct custody of customer assets out of the box
• Policy Engine and automation for transaction governance and no-code operational workflows
• A unified API and orchestration layer, with full developer documentation and webhooks
• The Fireblocks Network for connectivity to 35+ exchanges, hundreds of liquidity providers, on and off-ramps and compliance partners through one integration.
• Regulatory compliance tooling covering Travel Rule, transaction monitoring, AML and KYC, and audit-ready reporting

Value Proposition

Fireblocks supports both traditional financial services companies and crypto-native platforms. For a fintech, that means one platform to:

• Hold digital assets securely on behalf of customers
• Offer self-custody through embedded wallets
• Move funds between partners, exchanges and payment rails
• Manage operations end to end while meeting compliance standards across jurisdictions
• Scale from thousands to millions of users without replatforming

How Fireblocks Measures Up for Fintechs

The table below compares Fireblocks against the three alternatives fintechs most commonly shortlist: a legacy custodian, an embedded wallet SDK, and building in-house.

Capability	Fireblocks	Legacy Custodians	Embedded Wallet SDK	In-House Build
MPC-CMP institutional custody	Full MPC-CMP	Yes, custody scope only	Software keys or TSS, varies	Large engineering burden
Custodial and non-custodial on one platform	Both, one integration	Custodial only	Non-custodial only	Two separate lengthy builds
Embedded wallets with social login	Yes, powered by Dynamic	Not offered	Yes, core product	Must build from scratch
Stablecoin acceptance	Yes, via Fireblocks Flow	Not offered	Not offered	Custom build required
Travel Rule and compliance toolkit	Native plus partner integrations	Partial, often manual	Rarely offered	Custom build required
Blockchain coverage	200+ networks	Limited asset set	Chain coverage varies by provider	Limited by dev capacity
Treasury and payout automation	Native, API-driven	Partial	Not available	Custom build required
Settlement and liquidity network	35+ exchanges, hundreds of liquidity providers	Not available	Not available	Not available
Yield on idle stablecoin balances	Yes, via Earn	Varies	Not offered	Not available
Security certifications	SOC 2 Type II, ISO 27001, ISO 27017, ISO 27018, CCSS	Varies by provider	Rarely held	Self-certified

Each alternative solves one part of the problem. A legacy custodian secures assets and stops there. A wallet SDK handles the user experience and leaves compliance and treasury to you. Building covers everything and costs a team indefinitely, in both time and resources. A fintech needs storage, movement, the customer-facing wallet and the compliance record, and stitching those across three vendors is where integration cost and audit complexity accumulate. For a closer read on one part of that stack, see the embedded wallet infrastructure comparison.

Leading Fintechs Trust Fireblocks

More than 2,500 enterprises run their digital asset operations on Fireblocks, including fintechs at every stage of digital asset adoption:

• Revolut moved off a closed-loop custody model and automated manual treasury operations to scale its finance platform
• Bitso serves more than 8 million users
• Bit2Me scaled from 20 to over 250 supported tokens
• Firi accelerated token support while holding its regulatory position
• Oobit built a tap-and-pay experience that hides digital asset mechanics from the user entirely

Those are different products with the same underlying requirement. They add digital assets fast, keep them secure, and stay compliant while the business grows. Wenia is a useful example of what that looks like in a single market, scaling Colombia’s digital asset economy on Fireblocks infrastructure.

Tools, Resources & Onboarding for Fintechs

Fireblocks offers enablement resources to help fintechs go live and scale safely, with professional services and Global Platinum Support available through onboarding and beyond.

Sandbox Environment and Developer Tools

Simulate digital asset operations in the Fireblocks sandbox, complete with API users, transaction policies and prefunded wallets. Test both custodial and embedded wallet integrations before committing engineering time.

Join the Sandbox

See a Live Demo

Connect with the team to see the Fireblocks platform and Fireblocks Embedded Wallets in action against your own use case.

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