In today’s fast-paced financial landscape, staying competitive means offering more than just traditional services. Today, the market shows us that more and more companies in the financial tech space are actively adopting solutions that once seemed futuristic.
Imagine launching not just a bank but a digital ecosystem where customers enjoy instant solutions, seamless platform integrations, and an exceptional user experience. From my experience working with neobanks and P2P platforms, 50% of all consultancy requests are now related to creating innovative products.
Neobanks, P2P platforms, and fintech companies must continuously innovate to attract and retain users.
One of the most powerful tools to achieve this is Crypto-as-a-Service (CaaS) — a seamless way to integrate cryptocurrency functionality into fiat-based platforms. Think of how Revolut revolutionized personal finance by embedding crypto features. Integration of CaaS is not rocket science and can be integrated into the business seamlessly and fast!
What Is Crypto-as-a-Service?
Crypto-as-a-Service enables financial institutions and fintech platforms to embed crypto functionalities directly into their products using a robust backend infrastructure.
As a person who monitored and advised a lot of partnerships with crypto exchanges and was a person of contact, I have tried and seen many variations of service and CaaS integration through crypto exchanges, the most outstanding in customer support and integration processes were Kraken, Coinbase, Binance and WhiteBIT. Through partnerships with established crypto exchanges, platforms can offer their customers a wide range of crypto services under their own brand — without having to build a crypto infrastructure from scratch.
How It Works: A Practical Example of WhiteBIT
I decided to move forward and select WhiteBIT for this case study because it stands out for its emphasis on customization, cost-effectiveness, and multi-industry adaptability, making it a great choice and example.
Let’s say you're a digital-first bank or a P2P exchange. By integrating with WhiteBIT via API, you unlock a full suite of crypto capabilities:
Crypto deposits and withdrawals to and from user accounts
Assessment: Critically important.
Deposits and withdrawals form the foundation of any crypto operation. The ease and speed of these processes directly impact user satisfaction. Supporting popular networks with low fees and fast transaction times is in my opinion essential for staying competitive
Buy/sell crypto directly inside the platform
Assessment: Very important.
Integrating buy/sell functionality within the platform significantly improves convenience for users and reduces reliance on external services. This is crucial for customer retention and increasing trading volumes.
Secure storage of digital assets backed by a major exchange
Assessment: Critically important.
Secure digital asset storage backed by a reputable exchange is key to building user trust. Solutions supported by established providers like WhiteBIT or Coinbase minimize risks of hacks or fund losses.
Seamless wallet management for over 300 cryptocurrencies across 80+ networks
Assessment: Very important.
Supporting a wide range of cryptocurrencies and networks makes the platform versatile for users with diverse needs. This is particularly important for attracting advanced traders and investors who handle multiple assets.
Cross-chain support for receiving crypto in one network and withdrawing in another
Assessment: Highly important.
Cross-chain support simplifies operations for users, especially given the growing popularity of technologies like blockchain bridges. It addresses network compatibility issues and reduces transaction costs, enhancing user experience.
All of this can be white labeled, meaning your users enjoy under your own brand, while the exchange infrastructure works behind the scenes.
Key Benefits for P2P Platforms
P2P platforms thrive on liquidity, speed, and trust. CaaS gives you a competitive advantage by:
Enabling instant crypto-fiat exchanges, improving trade flow. Critical for user convenience and boosting trading activity by minimizing delays.
Offering multi-currency support (USD, EUR, PLN, CZK, TRY, UAH, and more). Expands market reach and enhances usability for a global audience.
Allowing users to send, receive, store, and convert crypto within your ecosystem. Simplifies user operations, making the platform a comprehensive crypto hub.
Increasing platform stickiness by becoming a one-stop-shop for crypto and fiat. Maximizes user retention by meeting all their needs in one place.
For example, P2P users can directly withdraw crypto to bank cards or deposit fiat to purchase crypto in real-time, boosting both transaction volumes and user satisfaction.
How can Neobanks benefit?
Neobanks already challenge traditional banks by offering online-only services. CaaS elevates this by:
Letting users open crypto wallets as easily as they open checking accounts
Enabling crypto investment with a few taps
Supporting crypto-fiat conversions within the banking app interface
Offering cross-network capabilities, removing barriers of blockchain complexity
This positions your neobank not just as a modern alternative, but as a future-ready financial ecosystem, delivering services your competitors can’t match yet.
Who Should Consider This?
I defined a rating of who is highly recommended to consider integration of CaaS, based on my personal success metrics and case study analysis of most successful integrations. Crypto-as-a-Service is a solution ideal for:
Neobanks
P2P exchange platforms
Electronic Money Institutions (EMIs)
Fintech startups
EMI-licensed wallets and mobile banks
Whether you’re a fast-growing fintech or an established EMI, integrating crypto functionality can diversify your services, attract a broader user base, and drive new revenue streams, all while staying compliant and secure.
80% of my clients ask me this – Definition of White Label Ready feature on WhiteBIT
One of the biggest advantages of CaaS WhiteBIT compared to the other crypto exchanges? WhiteBIT offers Crypto-as-a-Service as a White Label business solution, enabling your company to deliver it under your own brand and provide a seamless experience for your end customers. Which allows your customers to see your logo, your interface, and your service with enterprise-grade crypto infrastructure doing the heavy lifting behind the curtain. It integrates within web platforms and mobile apps, banking systems and e-commerce or financial dashboards and custom APIs.
Crypto-as-a-Service isn’t just a trend — it’s the next frontier for digital finance.
This product has huge potential in the B2B market because more companies want to add crypto services without spending a lot on building their own systems. It’s perfect for businesses that want to grow faster, keep customers engaged, and stand out in their industry. Whether you're running a P2P exchange or building a neobank, integrating crypto capabilities now puts you ahead of the curve, delivering the tools your customers expect and your competitors haven’t yet deployed.
