Banks and EMIs are under quiet pressure. Customers expect simple digital payments, instant settlements, and support for crypto without confusion or risk. At the same time, building payment systems from scratch takes time, money, and constant compliance work. This is why white-label crypto payments are getting serious attention. They let banks and EMIs offer crypto-enabled payments under their own brand, without owning all the tech behind it.
The numbers show what’s happening. The global white-label payment gateway market, which includes crypto wallet integration, stood at about $2.02 billion and is projected to grow to $5.53 billion in the coming years. Alongside this, crypto payment gateways are expanding at a strong 18.9% growth rate, driven by real usage. More institutions are turning to ready-built payment systems to keep pace with customer habits, reduce operational load, and expand payment options without slowing down decision-making.
| Key Takeaways 1. The global neobanking market is projected to reach USD 3,02,025.3 million by 2032, showing how fast digital-first financial platforms are becoming mainstream. 2. Neobanking adoption is expanding at a strong compound annual growth rate of over 45%, driven by mobile-first users and low-cost digital services. 3. Retail and SME users account for the largest share of neobank customers, highlighting growing demand for simple payments, faster onboarding, and flexible financial products. |
What the White Label Platform Delivers?
A white-label platform is a ready-made solution that lets you launch your product quickly without building it from scratch. Whether you’re diving into crypto wallet development or looking to hire blockchain developers, it gives you the tech backbone you need while keeping your brand front and centre.
1. Brand Control & Customization
With a white label solution, everything looks like it’s yours. Add your logo, choose your colours, and design your app the way you want. You can even launch your platform under your own website and app store accounts. There’s no “powered by” or third-party branding; your customers see only your name.
2. Faster Launch & Cost Efficiency
White label platforms let you go live in weeks, saving time, money, and headaches. You don’t need a big tech team, costly servers, or endless maintenance. Most platforms also offer predictable pricing, so there are no surprises.
3. Core Functionalities & Crypto Wallet Development
These platforms come loaded with essential tools. For a crypto wallet, this could mean secure transactions, real-time updates, and user-friendly dashboards. For other businesses, it could be analytics, marketplace management, or AI-powered automation.
4. Scalability & Data Ownership
As your business grows, the platform grows with you. Handle more users, traffic, and locations without breaking anything. Plus, you own all your customer data, giving you full control for marketing, personalization, and long-term growth. Integration with CRMs, POS systems, or e-commerce stores is usually simple.
Key Reasons Banks and EMIs Are Turning to White-Label Crypto Payments
Banks and EMIs are noticing clear changes in how people want to pay and move money. Customers now expect digital services to cover more than cards and bank transfers. They want crypto payments inside the apps they already trust, without switching platforms. White-label crypto payments make this possible without heavy investment or long build cycles, helping institutions stay relevant while keeping control of their brand and customer experience.
- Rising customer expectations: Users want crypto payment options within familiar banking apps
- Faster launch with lower cost: Ready-built systems can go live in weeks instead of long development timelines
- Built-in compliance and security: Core safety, KYC & Compliance Integration, and transaction checks are already handled in the background
- New income opportunities: Crypto payments create additional revenue through fees and value-added services
- Better payment efficiency: Cross-border transfers settle quicker and often cost less than traditional methods
- Lower exposure to market swings: Many solutions manage conversion automatically, reducing balance sheet risk
Many institutions are also exploring value-added features like an AI personal finance assistant to help users track spending, understand balances, and make better payment decisions within the same app.
How to Integrate a White Label Crypto Payment Gateway?
White-label crypto payments follow a simple, step-by-step flow that helps banks and EMIs add crypto services without disrupting their existing operations. A trusted technology partner handles the heavy lifting in the background, while the institution stays front-facing to customers with its own branding and controls.
Step 1: Choose a white-label payment partner
The bank or EMI works with a regulated provider that already has the payment systems, approvals, and crypto support in place. The service runs under the institution’s name, so customers interact only with the bank or EMI.
Step 2: Compliance, Integration, and Branding
The provider connects the platform with existing banking systems and aligns it with required checks and controls. The look and feel are adjusted to match the institution’s app, keeping the experience consistent.
Step 3: Customer Onboarding and Wallet Setup
Customers sign up using familiar identity checks. Digital wallets are created automatically and managed securely, without the institution having to handle sensitive access details.
Step 4: Crypto Payment Processing and Conversion
Users can send and receive crypto or use it for payments. If needed, amounts are converted into local currency so settlements happen smoothly through existing payment channels.
Step 5: Monitoring, Reporting, and Scaling
Security and compliance settings are tracked to protect users and transactions. This often includes AI for KYC and AML, which helps detect unusual activity, reduce manual checks, and improve approval accuracy.
Key Challenges and Best Practices in Implementing White-Label Crypto Payments
Implementing white-label crypto payments comes with a few important challenges, but each can be handled with the right approach. Being aware of them upfront helps banks and EMIs offer crypto services safely, efficiently, and in a way customers trust.
| Challenge | Description | Best Practice |
| Regulatory Complexity | Crypto rules differ across countries and keep changing. Missing any can create legal issues. | Work with providers who handle KYC/AML compliance and consult legal experts to stay updated. |
| Security Risks | Crypto systems are attractive targets for hacks and fraud. | Use multi-layered security and strong authentication, and keep most funds in offline storage. |
| Market Volatility | Crypto prices can swing quickly, affecting settlement value. | Convert crypto to fiat or stablecoins instantly after payment to reduce risk. |
| Technical Integration | Connecting new crypto systems to existing banking or e-commerce platforms can be tricky. | Test thoroughly in sandbox environments and use clear API documentation. |
| User Experience | Customers may find crypto confusing or intimidating. | Keep interfaces simple, branded, and mobile-friendly, with clear instructions ideal for P2P payment apps. |
Real-World Examples of Crypto Payments for Banks and EMIs
Crypto payments are already being used in practical ways by banks, payment networks, and digital finance platforms. These examples show how institutions are using blockchain-based payments to move money faster, lower costs, and improve everyday financial services without changing how customers interact with them.
JPMorgan and JPM Coin
JPMorgan uses its own digital coin to move large amounts of money between institutions. This system helps banks settle transactions in hours instead of waiting days. It is mainly used for wholesale payments, where speed and certainty matter the most. Over time, it has handled transactions worth more than a trillion dollars.
Ripple-powered cross-border payments
Many banks and payment providers use Ripple’s network to send money across countries. Transfers that once took several days now reach recipients within minutes. This makes international payments more predictable and easier to track. It is especially useful for remittances and global business payments.
Visa and stablecoin payments
Visa works with stablecoins like USDC to support faster business payments across borders. These payments move on blockchain rails while still fitting into existing payment systems. For banks and large companies, this reduces delays and processing friction. The experience stays familiar while the settlement happens more efficiently.
PayPal enabling crypto payments
PayPal allows users to hold crypto and use it for everyday purchases. Customers can pay with crypto at checkout, while merchants receive regular currency. The conversion happens quietly in the background. This makes crypto usable for real-world spending without extra effort from users.
Deel using stablecoins for global payouts
Deel uses stablecoins to pay contractors in different countries. This helps avoid slow and expensive international transfers. Payments reach people faster, with fewer fees and less dependency on local banking delays. It shows how crypto payments can simplify global payroll.
Key Criteria for Choosing the Right White-Label Crypto Payment Partner
Choosing a white-label crypto payment partner is a big decision because it directly impacts your users’ trust and your business growth. To make things simple, here are the top five things that matter the most, explained in an easy and human way.
1. Business Needs and Target Audience
Before anything else, the partner should match what your business actually wants to offer. Whether you need basic crypto payments, easy crypto-to-cash conversions, or support for multiple currencies, the solution should align with your goals and those of your users. A good fit means less confusion, faster launch, and happier customers.
2. Security Measures
Security is non-negotiable. Your users are trusting you with their money, and that trust should never be broken. Choose a partner that focuses on keeping funds and accounts safe with strong protection measures and regular security updates. When users feel safe, they are far more likely to stay and transact again.
3. Regulatory Compliance
Crypto rules are changing all the time. A reliable partner should already follow the required legal guidelines and user verification processes. This protects your business from future problems and reassures users that your platform is professional and trustworthy.
4. Integration and Compatibility
The right solution should be easy to set up and work smoothly with your existing website or app. Simple integration means faster go-live, fewer technical issues, and a better experience for both your team and your users.
5. Scalability and Performance
Your payment system should grow as your business grows. Make sure the partner can handle more users, more transactions, and higher demand without slowing down. A scalable platform ensures you won’t need to switch providers just when your business starts taking off.
From Development Challenges to Seamless Deployment with Ment
At Ment Tech, we understand that building a crypto payment platform from scratch, assembling blockchain teams, running nodes, integrating multiple chains, or managing KYT providers can take years. That’s why we offer a ready-made, branded crypto wallet and payment stack that lets banks, EMIs, and PSPs launch faster without compromising reliability.
Our solution is built on the same operational foundation that already:
- Serves hundreds of merchants worldwide
- Processes billions of transactions securely and efficiently
- Supports 350+ digital assets across multiple blockchains
This enables institutions to transition from long-term development roadmaps to accelerated launch cycles, utilising infrastructure that has already proven itself at scale and is designed to integrate agentic AI in banking, providing intelligent, automated responses to payment behaviour, risk signals, and operational needs.
Proven Results with Clients:
For example, Wenbit partnered with us to create a crypto payment platform that delivers consistent performance and seamless transaction handling. The same approach powers white-label crypto wallets and payment systems for banks and EMIs, making them dependable, adaptable, and ready for everyday financial use.
Final Thoughts
White-label Crypto payments offer banks and EMIs a clear path to expand digital payment services without adding complexity to existing operations. They help institutions respond to customer expectations, improve payment efficiency, and introduce crypto in a controlled and practical way. With the right setup, crypto payments can sit naturally alongside traditional payment methods, creating more choice and flexibility for users.
At Ment Tech, we support banks and EMIs through every stage of adopting white-label crypto payments. From secure integration and compliance-ready setups to scalable payment flows, our focus is on building solutions that work reliably in real-world environments. This foundation supports modern payment needs while aligning with the future of digital banking and intelligent automation.
FAQs
Customer demand for digital and borderless payments is growing. Crypto payments help banks and EMIs offer faster settlements, global reach, and more payment options without rebuilding their entire infrastructure.
Yes, when implemented correctly. These platforms include built-in security, user verification, transaction monitoring, and compliance checks that help protect both institutions and customers.
Costs vary based on features, transaction volume, and compliance requirements. However, white-label solutions are far more cost-effective than in-house development, as they reduce infrastructure, staffing, and maintenance expenses.
They can support crypto transfers, stablecoin payments, crypto-to-fiat payments, and cross-border transactions, depending on the chosen platform and regional regulations.
Ment Tech supports white-label crypto payment integration by providing secure, ready-to-use infrastructure and smooth system connectivity. This helps businesses launch and scale crypto payments quickly without technical complexity.
